Filters
Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-14
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 steady, it often means less pressure for mortgage rates to rise or fall, as this rate influences short-term borrowing costs for banks.
Credit Union Loan Rates - Trends & Analysis:
Eecu offers a 15-year conventional fixed rate at 4.0%, down 2.34 percentage points from last week. The 30-year conventional fixed rate is 4.5%. Both 15-year and 30-year conventional fixed rates have stayed steady compared to a month ago. 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 15-year Conventional Fixed at 6.5%, up 38 bp from a week ago, and a 30-year Conventional Fixed at 7.0%, up 25 bp. The 30-year VA Fixed is 7.625%, up 38 bp, and the 30-year Jumbo Fixed is 7.0%, up 25 bp. Adjustable-rate 5-year and 7-year loans hold steady at 5.25% and 5.5%, respectively.
First Community offers a 15-year Conventional Fixed at 5.5% and a 30-year Conventional Fixed at 6.375%. Their 15-year Conventional Refi rate is 5.875%, up 38 bp from a week ago, and the 30-year Conventional Refi is 6.75%, also up 38 bp. The 30-year FHA and VA Fixed rates are both 5.99%, while the 30-year Jumbo Fixed is 6.5%. 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 at 5.5% today and a 30-year Conventional Fixed at 7.125%, up 38 bp from last week and 50 bp from 30 days ago. Their Jumbo 30-year Fixed is 7.0%, steady from last week but up 13 bp from 30 days ago. The FHA 5-year ARM is 6.25%, rising 13 bp over the past week and 13 bp over 30 days. Randolph Brooks offers a 15-year conventional fixed rate at 5.75% and a 30-year conventional fixed rate at 6.75%, both unchanged from last week. Their 15-year conventional refinance rate rose by 25 bp to 6.0%, and the 30-year conventional refinance rate also increased by 25 bp to 7.0%. The 30-year FHA and VA fixed rates remain steady at 6.375%, while the 5-year ARM is at 5.5%.
Market Indicators - Data & Insights:
Today, the Zillow 30-Year mortgage rate is 6.847%, and the Freddie Mac 30-Year rate is 6.760%, with Zillow higher than Freddie Mac. The Zillow 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.