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Today’s Mortgage Rates & Analysis - Updated on 2026-AUG-19
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 3.75%. This rate is the same as it was 7, 30, 60, and 90 days ago. When the Fed Funds rate is steady, it helps keep pressure on mortgage rates stable since lenders often use it as a benchmark for borrowing costs.
Credit Union Loan Rates - Trends & Analysis:
Eecu offers a 15-year fixed mortgage at 4.0% and a 30-year fixed mortgage at 4.5%, both unchanged from last week and last month. The 15-year fixed rate has held steady at 4.0% for several weeks. Houston offers a 15-year fixed rate at 5.125% and a 30-year fixed rate at 5.875%, both unchanged from last week and last month. These steady rates provide clear options for borrowers seeking fixed terms. 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%.
Affinity Plus shows a 30-year Conventional Fixed rate at 6.75% today, unchanged from a week ago but up 25 bp from a month earlier. The 15-year Conventional Fixed rate is 6.125%, steady over the past week and up 13 bp from 30 days ago. VA 30-year Fixed loans are at 7.25%, with a 13 bp increase from a month ago. Adjustable rates for 5- and 7-year terms hold steady at 5.25% and 5.5%, respectively. First Community offers a 15-year Conventional Fixed rate at 5.5% and a 30-year Conventional Fixed rate at 6.375%, both unchanged from a week ago but up 13 and 25 bp from a month ago, respectively. FHA and VA 30-year Fixed rates are at 5.99%, up 37 bp from a month ago. Jumbo 30-year Fixed is 6.5%, up 25 bp from a month ago.
Fivepoint offers a 15-year fixed rate at 5.5% and a 30-year fixed rate at 6.0%, both unchanged from recent weeks. These steady rates provide clear options for borrowers considering shorter or longer fixed mortgage terms. Affinity offers a 15-year conventional fixed rate at 5.5% and a 30-year conventional fixed rate at 6.125%, both unchanged from last week but up 25 bp from a month ago. Their FHA fixed rates are 5.75% for 3-year, 5.875% for 5-year, and 6.125% for 7-year terms, each up 25 bp over the past 30 days.
Navy Federal Credit Union offers a 15-year Conventional Fixed at 5.5% and a 30-year Conventional Fixed at 6.125%, with the 30-year Conventional Refinance rate up to 6.125%, which is 38 bp higher than last week. The 15-year Conventional Refinance rate is steady at 5.5%, while the 30-year VA Fixed is 5.75%, unchanged from a week ago. The 30-year Jumbo Fixed stands at 6.375%, down 13 bp from last week. Neches offers a 15-year and 30-year conventional fixed mortgage at 5.5% and 6.25%, respectively, with rates steady over the past month. The 15-year fixed is at 5.5%, and the 30-year fixed is at 6.25%. These rates have held firm for several weeks.
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's 30-year mortgage rate is 6.525%, slightly lower than Freddie Mac's 6.670%. Zillow's 15-year rate is 6.094%, down from 7 days ago. These rates reflect current borrowing costs, which influence how many people can afford to buy homes or refinance existing loans.