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Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-11
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 3.75%, unchanged from 7, 30, 60, and 90 days ago. When the Fed Funds rate is steady, it often means mortgage rates face less upward pressure since short-term borrowing costs for banks remain stable.
Credit Union Loan Rates - Trends & Analysis:
Affinity Plus shows a 30-year Conventional Fixed rate at 6.75% and a 15-year Conventional Fixed rate at 6.125%, both unchanged from recent weeks. VA 30-year Fixed loans are at 7.25%. Adjustable rates include 5-year ARMs at 5.25% and 7-year ARMs at 5.5%, steady as well. These rates reflect current market conditions as of September 10, 2026. Delta Community offers a 15-year FHA loan at 5.5% and a 30-year FHA loan at 6.25%, both unchanged from a week ago. These rates have held steady since early August. If you are considering FHA loans, these rates provide a clear snapshot of current costs.
Navy Federal Credit Union has a 15-year conventional fixed rate today at 5.625% and a 30-year conventional fixed rate at 6.25%. The 15-year conventional fixed rate is steady from a week ago but up 13 bp from a month ago. The 30-year conventional fixed rate also holds steady from last week but rose 13 bp over 30 days. The 15-year conventional refinance rate is 5.625%, unchanged from last week but up 25 bp from a month ago, while the 30-year conventional refinance rate is 6.25%, steady from last week but up 50 bp from 30 days ago. The 30-year VA fixed rate is 5.875%, up 13 bp from two weeks ago. The 30-year jumbo fixed rate is 6.5%, unchanged from last week but up 13 bp from a month ago. The 3-year ARM is at 5.375%, steady from last week but up 13 bp from 30 days ago, and the 5-year ARM is at 5.625%, also steady from last week but up 13 bp from a month ago.
America First shows a 15-year Conventional Fixed rate today at 6.125%, up 25 bp from last week and 38 bp from a month ago. The 30-year Conventional Fixed is 6.75%, also up 25 bp over the past week and month. FHA 30-year Fixed is 6.375%, rising 13 bp in the last week and 38 bp since a month ago. The VA 30-year Fixed rate is 6.5%, up 13 bp this week and 25 bp over 30 days. Dupaco Community offers a 15-year conventional fixed rate at 6.125% today, unchanged from a week ago but up 13 bp from 30 days prior. Their 30-year conventional fixed rate is 6.375%, down 13 bp from last week and steady over the past month. The 15-year and 30-year conventional refinance rates are 6.125% and 6.5%, respectively, with the 30-year refinance up 13 bp from 30 days ago.
Digital shows a 15-year conventional fixed rate today at 6.375%, up 25 bp from last week and 63 bp from 30 days ago. The 30-year conventional fixed rate is 7.0%, rising 13 bp in the past week and 50 bp over the last month. The 15-year conventional fixed refinance rate holds steady at 6.25%, while the 30-year conventional fixed refinance rate is 7.0%, down 13 bp from last week but up 50 bp from 30 days ago. Pentagon shows a 30-year Conventional Fixed rate today at 6.5%, up 25 bp from a week ago. Their 30-year Conventional Refinance rate is 6.625%, rising 25 bp in seven days and 38 bp over 30 days. FHA 30-year Fixed is 6.0%, up 25 bp in a week and 38 bp in 30 days. VA 30-year Fixed stands at 6.125%, increasing 38 bp in seven days and 50 bp in 30 days. Jumbo 30-year Fixed is 6.375%, up 13 bp in the past week.
Market Indicators - Data & Insights:
Today, Zillow's 30-year mortgage rate is 6.641%, higher than Freddie Mac's 6.710%. Zillow's 15-year rate is 6.393%, up from 7 days ago. These rates reflect current borrowing costs, which influence how many people decide to buy or refinance homes.