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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%, higher than 7, 30, 60, and 90 days ago when it was 3.75%. When the Fed Funds rate rises, it can increase mortgage rates because lenders face higher borrowing costs.
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 a week ago. The 15-year fixed also has a 15-year refinance option at 4.0%, and the 30-year refinance is at 4.5%. These rates have been steady since early September. 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 rate today at 5.625%, up 38 bp from last week. The 30-year conventional fixed rate is 6.375%, also up 38 bp over the same period. Jumbo 30-year fixed loans are priced at 6.375%, with a 38 bp increase from last week. The 30-year adjustable fixed rate stands at 5.875%. FHA 30-year fixed loans remain steady at 7.5%, and VA 30-year fixed loans are 7.125%. Northrop Grumman offers adjustable-rate mortgages with a 3-year ARM at 5.5%, a 5-year ARM at 5.625%, and a 7-year ARM at 6.125% as of today. These rates have stayed steady over the past week and month. If you prefer an ARM, these are the current options to consider.
First Community offers a 15-year Conventional Fixed loan at 5.875% and a 30-year Conventional Fixed loan at 6.75%, both up 38 bp from a week ago. The 30-year FHA Fixed and VA Fixed loans are at 6.375%, also up 38 bp from last week. The 30-year Jumbo Fixed loan is 6.875%, rising 38 bp over the same period.
Market Indicators - Data & Insights:
Today, Zillow’s 30-year mortgage rate is 6.855%, and Freddie Mac’s 30-year rate is 6.950%, with Zillow slightly lower than Freddie Mac. Zillow’s 30-year rate is higher than it was 7 days ago. These rates reflect the cost borrowers face for long-term home loans, which can influence how many people decide to buy or refinance homes.