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Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-14
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:
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. United offers a 30-year Jumbo fixed mortgage at 6.0% and a 3-year ARM at 5.5%, both unchanged from last week and last month.
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. Delta Community offers a 15-year FHA loan at 5.5% and a 30-year FHA loan at 6.25%, both unchanged from a week ago. These rates have held steady since early August. If you are considering FHA loans, these rates provide a clear snapshot of current costs.
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. 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.
Navy Federal Credit Union has a 15-year conventional fixed rate today at 5.625% and a 30-year conventional fixed rate at 6.25%. The 15-year conventional fixed rate is steady from a week ago but up 13 bp from a month ago. The 30-year conventional fixed rate also holds steady from last week but rose 13 bp over 30 days. The 15-year conventional refinance rate is 5.625%, unchanged from last week but up 25 bp from a month ago, while the 30-year conventional refinance rate is 6.25%, steady from last week but up 50 bp from 30 days ago. The 30-year VA fixed rate is 5.875%, up 13 bp from two weeks ago. The 30-year jumbo fixed rate is 6.5%, unchanged from last week but up 13 bp from a month ago. The 3-year ARM is at 5.375%, steady from last week but up 13 bp from 30 days ago, and the 5-year ARM is at 5.625%, also steady from last week but up 13 bp from a month ago.
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. A+ offers a 15-year conventional fixed rate today at 6.125%, up 13 bp from 15 days ago. The 30-year conventional fixed and jumbo fixed rates are both 6.625%, also up 13 bp over the same period. The 5-year adjustable rate is 6.125%, with a 13 bp increase. The 10-year adjustable rate stands at 6.375%, up 13 bp as well. Dupaco Community offers a 15-year conventional fixed rate at 6.125% today, unchanged from a week ago but up 13 bp from 30 days prior. Their 30-year conventional fixed rate is 6.375%, down 13 bp from last week and steady over the past month. The 15-year and 30-year conventional refinance rates are 6.125% and 6.5%, respectively, with the 30-year refinance up 13 bp from 30 days 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.