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Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-06
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 3.75%, unchanged from 1, 7, 30, 60, and 90 days ago. The rate is lower than one year ago when it was 4.50%. When the Fed Funds rate is higher, it can increase mortgage rates by raising borrowing costs for lenders.
Credit Union Loan Rates - Trends & Analysis:
Eecu offers a 15-year fixed rate at 4.0% and a 30-year fixed rate at 4.5%, both unchanged from recent weeks. These steady rates provide clear options for fixed-term loans today. Houston shows a 15-year fixed rate today at 5.5%, up 38 bp from a week ago. The 30-year fixed rate is 6.125%, rising 25 bp over the same period. Both rates have increased since late August. Security Service offers a 15-year conventional fixed rate at 5.25% and a 30-year conventional fixed rate at 6.0%. The 30-year jumbo fixed rate is also 6.0%, while the FHA 30-year fixed rate stands at 7.5%. Additionally, the 30-year VA fixed rate is 7.125%, and the 10-year adjustable fixed rate is 5.875%.
East Texas Professional offers 15-year fixed loans at 6.375% and 30-year fixed loans at 6.75%, both unchanged from recent weeks. Their 5-year ARM is steady at 5.25%, while the 10-year ARM holds at 6.0%. Rates remain stable across all terms today. Affinity Plus offers a 15-year Conventional fixed rate at 6.125% and a 30-year Conventional fixed and refinance rate at 6.75%. The VA 30-year fixed rate is 7.25%. Adjustable rates include 5-year ARMs at 5.25% and 7-year ARMs at 5.5%, all unchanged from recent weeks.
Affinity offers a 15-year conventional fixed rate today at 5.375%, down 13 bp from last week but up 13 bp from a month ago. Their 30-year conventional fixed rate is 6.0%, also down 13 bp from last week and up 13 bp from a month ago. FHA fixed rates are 5.625% for 3-year, 5.75% for 5-year, and 6.0% for 7-year terms, each down 13 bp from last week and up 13 bp from a month ago. First Community offers a 15-year Conventional Fixed rate at 5.5% and a 30-year Conventional Fixed rate at 6.375%. The 30-year FHA Fixed and VA Fixed rates are both 5.99%. Jumbo 30-year Fixed loans are at 6.5%. All rates have remained steady over the past weeks.
Fivepoint offers a 15-year fixed mortgage at 5.5% and a 30-year fixed at 6.0%, both unchanged from recent weeks. These steady rates provide clear options for borrowers looking for fixed terms. Neches offers a 15-year fixed rate at 5.5% and a 30-year fixed rate at 6.25%, both unchanged from recent weeks. The same rates apply for conventional and refinance loans. If you want a steady payment, these rates are stable options today. Barksdale offers a 15-year fixed rate at 5.5% and a 30-year fixed rate at 6.5%, both unchanged from last week and last month.
Market Indicators - Data & Insights:
Today, Zillow shows the 30-year mortgage rate at 6.531% and the 15-year at 6.250%. Freddie Mac reports the 30-year rate at 6.710%, which is higher than Zillow’s 30-year rate today. These rates reflect the current cost of borrowing for homebuyers, influencing how much people may be willing to pay for homes.