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Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-21
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 4.00%. This is higher than the rate 7 days ago, which was 3.75%. When the Fed Funds rate rises, it can put upward pressure on mortgage rates, making borrowing costs higher for homebuyers.
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 last week. The 15-year and 30-year fixed refinance rates match the purchase rates at 4.0% and 4.5%, respectively. Rates have been steady over the past month. 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. 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 6.5% today, up 13 bp from a week ago and 38 bp over the past 30 days. The 30-year Conventional Fixed and Jumbo Fixed rates are both 7.0%, each up 13 bp from last week and 25 bp over 30 days. The VA 30-year Fixed rate is 7.625%, unchanged from a week ago but up 38 bp over 30 days. Adjustable-rate 5-year and 7-year ARMs hold steady at 5.25% and 5.5%. Neches offers a 15-year fixed rate at 5.5% and a 30-year fixed rate at 6.25%, both unchanged from last week and last month. The rates have been steady at these levels since mid-August.
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. Consumers offers a 15-year conventional fixed rate at 5.5% today. Their 30-year conventional fixed rate rose to 7.125%, up 25 bp from last week and 50 bp over the past month. Jumbo loans have a 30-year fixed rate at 7.125%, up 13 bp from last week and 50 bp from a month ago. The 5-year ARM is at 6.375%, increasing 25 bp from last week and 38 bp over 30 days.
Security Service offers a 15-year Conventional Fixed at 5.625% today, up 38 bp from a week ago. Their 30-year Conventional Fixed is 6.375%, also up 38 bp over the same period. Jumbo 30-year Fixed loans are priced at 6.375%, with the same 38 bp increase. The 30-year FHA Fixed stays steady at 7.5%, and the 30-year VA Fixed is 7.125%. The 10-year Adjustable Fixed is 5.875%. Northrop Grumman offers adjustable-rate mortgages with a 3-year ARM at 5.5% today, a 5-year ARM at 5.625%, and a 7-year ARM at 6.125%. These rates have stayed steady over the past week and month.
First Community offers a 15-year conventional fixed at 5.875% and a 30-year conventional fixed at 6.75% today. The 15-year conventional fixed rate rose by 38 bp from last week, and the 30-year conventional fixed also increased by 38 bp. FHA and VA 30-year fixed rates are both at 6.375%, up 38 bp from seven days ago. Jumbo 30-year fixed loans are at 6.875%, up 38 bp from last week.
Market Indicators - Data & Insights:
Today, Zillow's 30-year mortgage rate is 7.125%, and Freddie Mac's 30-year rate is 6.950%, with Zillow higher than Freddie Mac. Zillow's 30-year rate is also higher than 7 days ago. These rates reflect current borrowing costs, which influence how many people can afford to buy homes and affect overall housing demand.