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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:
Truity shows a 15-year fixed rate today at 6.25%, up 13 bp from a week ago. The 30-year fixed rate is 7.00%, also up 13 bp over the same period. Both rates have risen slightly since the end of August. Texas Dow Employees offers a 15-year Conventional Fixed at 6.38%, up 13 bp from last week, and a 30-year Conventional Fixed at 6.88%, also up 13 bp. FHA and VA 30-year Fixed rates are both 6.5%, increasing by 12 bp over seven days. Adjustable 7-year and 10-year rates are 6.88% and 7.0%, with the 7-year up 13 bp in two weeks.
Jsc shows a 15-year conventional fixed rate at 6.25%, down 38 bp from a week ago. The 30-year conventional fixed rate is steady at 6.5%. FHA 30-year fixed loans rose slightly to 6.25%, up 13 bp in the past week. VA 30-year fixed loans are at 6.375%, also up 13 bp over seven days. Digital shows a 15-year Conventional Fixed rate today at 6.375%, unchanged from last week but up 50 bp from a month ago. The 30-year Conventional Fixed rate is steady at 7.0%, with a 30 bp increase over the past month. For 15-year Conventional ARM, the rate is 6.5%, up 13 bp from last week and 63 bp from a month ago. The 30-year Conventional ARM rate rose to 7.375%, 38 bp higher than last week and 88 bp above the rate from a month ago.
First Technology offers a 15-year Conventional Fixed at 6.375%, unchanged from last week but up 13 bp from three weeks ago. Their 30-year Conventional Fixed is 7.125%, up 13 bp from both last week and three weeks ago. The 30-year Jumbo Fixed rate holds steady at 6.875%. Adjustable rates for 5- and 7-year terms are at 6.375%, rising 13 bp from last week and 50 bp from three weeks ago. The 10-year ARM is 6.75%. Chartway offers a 30-year conventional fixed mortgage today at 6.49%, up 12 bp from a week ago and 24 bp higher than 30 days ago. The rate has risen steadily over the past month. The 15-year conventional fixed rate is not currently listed.
Intouch offers a 5-year ARM at 6.5%, up 25 bp from 30 days ago. This is the only rate available today. 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.
Premier America offers a 15-year fixed rate today at 6.5%, up 38 bp from last week. Their 30-year fixed rate is 7.0%, also up 25 bp over the same period. Both rates have risen since early August. Educators offers a 30-year conventional fixed mortgage at 6.875% today. This rate is up 25 bp from both one week and one month ago.
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.