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Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-12
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 3.75%, the same as 7, 30, 60, and 90 days ago. The rate is lower than it was one year ago at 4.50%. When the Fed Funds rate is higher, mortgage rates often face upward pressure because lenders’ costs increase.
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 fixed rate is down 2.22 percentage points from a month ago, reflecting a significant drop from 6.215%. These rates provide stable options for borrowers looking for fixed terms. 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 at 6.0%. Their 30-year jumbo fixed rate is also 6.0%. FHA 30-year fixed loans are at 7.5%, while VA 30-year fixed loans stand at 7.125%. The 10-year adjustable 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 30-year Conventional fixed rate at 6.875% today, up 13 bp from last week. The 15-year Conventional fixed rate is 6.375%, up 25 bp. Jumbo 30-year fixed loans are also 6.875%, up 13 bp. VA 30-year fixed loans stand at 7.625%, up 38 bp. Adjustable-rate 5- and 7-year loans remain 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%. The FHA and VA 30-year Fixed rates are both 5.99%. Jumbo 30-year Fixed loans are at 6.5%. Rates have stayed steady over the past month.
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. Consumers offer a 15-year conventional fixed rate at 5.5% and a 30-year conventional fixed rate at 6.875%, up 13 bp from 30 days ago on the 30-year. Their 15-year fixed remains steady at 5.5%. American has a 5-year ARM at 6.125%, up 13 bp from 7 days ago. The 30-year conventional fixed rate is steady at 6.875%, and the 15-year fixed is steady at 5.5%.
Randolph Brooks shows a 15-year Conventional Fixed rate today at 5.75%, up 13 bp from 30 days ago. The 30-year Conventional Fixed and 30-year Conventional Refinance rates are both 6.75%, rising 25 bp over the past month. FHA and VA 30-year Fixed loans are at 6.375%, also up 25 bp since late June. The 5-year ARM rate is 5.5%, increasing 13 bp in 30 days.
Market Indicators - Data & Insights:
Today, Zillow’s 30-year mortgage rate is 6.745%, higher than Freddie Mac’s 6.760%. Zillow’s 30-year rate is also higher than it was 7 days ago. The Zillow 15-year rate stands at 6.482%. These rates reflect current borrowing costs, which influence how many people can afford to buy homes or refinance existing loans.