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Today’s Mortgage Rates & Analysis - Updated on 2026-AUG-28
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 3.75%, unchanged from 7, 30, 60, and 90 days ago. When the Fed Funds rate is higher, it can put upward pressure on mortgage rates because lenders’ borrowing costs increase.
Credit Union Loan Rates - Trends & Analysis:
Affinity Plus offers a 15-year Conventional fixed rate at 6.125% and a 30-year Conventional fixed and refinance rate at 6.75%. The VA 30-year fixed rate is 7.25%. Adjustable rates include 5-year ARMs at 5.25% and 7-year ARMs at 5.5%, all unchanged from recent weeks. First Community offers a 15-year and 30-year conventional fixed mortgage at 5.5% and 6.375%, respectively. The FHA and VA 30-year fixed rates are steady at 5.99%. Jumbo 30-year fixed loans are at 6.5%. Rates have held steady over the past week and month.
Educators shows a 30-year conventional fixed rate today at 6.625%, up 38 bp from 30 days ago. The 15-year fixed rate is not quoted today but was 5.875% on July 28. The 5-year ARM fixed was 5.75% and the 10-year ARM fixed was 3.0% on July 28. Delta Community offers a 15-year conventional fixed rate at 5.5% and a 30-year conventional fixed rate at 6.25%, both unchanged from last week but up 13 bp from a month ago. 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.
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. America First offers 15-year and 30-year Conventional Fixed loans at 5.75% and 6.5%, respectively. Their 30-year FHA Fixed rate is 6.0%, down 13 bp from a week ago. The 30-year VA Fixed rate is 6.125%, also down 13 bp over the past week. Rates have been steady for Conventional loans this month.
Navy Federal Credit Union has a 15-year Conventional fixed rate today at 5.625%, up 13 bp from last week. The 30-year Conventional fixed rate is 6.25%, also up 13 bp over seven days. Their 15-year Conventional refinance rate is 5.625%, rising 13 bp in the past week. The 30-year Conventional refinance rate is 6.25%, up 13 bp from last week. The 30-year VA fixed rate holds steady at 5.75%. The 30-year Jumbo fixed rate is 6.5%, up 13 bp in seven days. A+ offers a 15-year Conventional Fixed at 5.99%, up 12 bp from last week. Their 30-year Conventional Fixed and Jumbo Fixed rates are both 6.375%, unchanged from last week but down 13 bp from a month ago. The 5-year ARM is at 6.0%, up 13 bp from last week. The 10-year ARM is 6.125%, down 13 bp from a month ago.
Digital offers a 15-year conventional fixed rate at 6.125% and a 30-year conventional fixed rate at 6.875% today. The 30-year conventional fixed rate rose by 13 bp over the past week and 50 bp over the past 30 days. The 15-year conventional fixed rate remains steady compared to last week but is up 25 bp from 30 days ago. The 30-year conventional fixed jumbo rate is 7.0% today, up 13 bp from last week and 50 bp from 30 days ago.
Market Indicators - Data & Insights:
Today, Zillow's 30-year mortgage rate is 6.465%, slightly higher than Freddie Mac's 30-year rate at 6.650%. Zillow's 30-year rate is also higher than it was 7 days ago. These rates reflect current borrowing costs, which influence how many people can afford to buy homes and affect overall housing demand.