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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. 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. 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.
Mountain America offers a 15-year conventional fixed rate today at 5.625% and a 30-year conventional fixed at 6.375%. The 15-year conventional ARM is at 5.625%, up 13 bp from last week, while the 30-year conventional ARM is 6.49%, up 12 bp. FHA 30-year fixed is 5.875%, up 13 bp from a month ago. The 30-year VA fixed rate holds steady at 5.99%, and the 30-year jumbo fixed is 6.375%, down 13 bp from two weeks ago. One Nevada offers a 15-year conventional fixed rate at 6.125%, up from 6.0% a week ago, and a 30-year conventional fixed rate at 5.625%, down from 5.75% last week. The 15-year conventional refinance rate is 6.0%, slightly lower than last week’s 6.125%. FHA 30-year fixed loans are at 6.0%, up from 5.875% seven days ago. VA 30-year fixed loans stand at 6.125%, also up from 6.0% a week 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. Pentagon offers a 30-year Conventional Fixed at 6.25% and a 30-year Conventional Refi at 6.125%, down 13 bp from a week ago but up 13 bp from 30 days ago. Their 30-year FHA and VA Fixed rates are both 5.75%, with FHA up 13 bp from a week ago. The Jumbo 30-year Fixed rate is steady at 6.25%.
Intouch offers a 5-year ARM at 6.5%, up 25 bp from 30 days ago. This is the only rate available today.
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.