Filters
Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-04
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 3.75%, unchanged from 1, 7, 30, 60, 90, and 180 days ago. It is lower than one year ago and two years ago. When the Fed Funds rate is higher, it can increase mortgage rates as borrowing costs rise for lenders.
Credit Union Loan Rates - Trends & Analysis:
Coast Central offers a 30-year conventional fixed mortgage at 4.5% today, unchanged from last week and last month. Certified offers a 15-year Conventional Fixed rate at 5.125% and a 30-year Conventional Fixed rate at 5.875%, both unchanged from recent weeks. The Jumbo 30-year Fixed rate matches the 30-year Conventional Fixed at 5.875%. Rates have held steady over the past month. Safe 1 offers a 15-year fixed rate at 5.5% and a 30-year fixed rate at 6.0% as of September 1, 2026. Rates have held steady over the past week and month. These stable rates provide clear options for fixed-term mortgages.
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. Affinity offers a 15-year conventional fixed rate today at 5.375%, down 13 bp from last week but up 13 bp from a month ago. Their 30-year conventional fixed rate is 6.0%, also down 13 bp from last week and up 13 bp from a month ago. FHA fixed rates are 5.625% for 3-year, 5.75% for 5-year, and 6.0% for 7-year terms, each down 13 bp from last week and up 13 bp from a month ago.
Los Angeles shows a 15-year Conventional Fixed rate today at 6.125%, unchanged from last week but up 13 bp from a month ago. The 30-year Conventional Fixed rate is 6.5%, also steady over the past week but up 13 bp over 30 days. The 30-year Jumbo Fixed rate is 7.0%, down 25 bp from a month ago. FHA 3-year ARM is 5.5%, down 50 bp from last week. The 5-, 7-, and 10-year ARMs range from 6.0% to 6.375%, with the 5- and 7-year up 13 bp from a month ago. Consumers offers a 15-year Conventional Fixed at 5.5% and a 30-year Conventional Fixed at 6.75%, with the 30-year rate up 13 bp from two weeks ago. AmeriCU has a 5-year ARM at 6.125%, up 13 bp from last week, and a Jumbo 30-year Fixed at 7.0%, up 13 bp from last week and 38 bp from two weeks ago.
Northrop Grumman offers adjustable-rate mortgages with 3-year today at 5.5%, 5-year at 5.625%, and 7-year at 6.125%. These rates have held steady over the past week and month. Navy Federal Credit Union offers a 15-year Conventional Fixed loan today at 5.625% and a 30-year Conventional Fixed at 6.25%. The 15-year Conventional Refinance rate is also 5.625%, while the 30-year Conventional Refinance is 6.25%, up 38 bp from 30 days ago. The 30-year VA Fixed rate is 5.875%, up 13 bp from a week ago. The 3-year ARM Conventional rate is 5.375%, and the 5-year ARM Conventional is 5.625%, both unchanged from 30 days ago.
Nuvision offers a 15-year conventional fixed rate today at 5.625%, up 25 bp from a week ago. Their 30-year conventional fixed rate is 6.375%, also up 13 bp over the same period. FHA 30-year fixed loans are priced at 6.0%, up 13 bp, while VA 30-year fixed loans stand at 6.125%, up 25 bp from last week. The 30-year jumbo fixed rate is 6.25%, up 13 bp. The 5-year adjustable rate is 5.375%, up 13 bp.
Market Indicators - Data & Insights:
Today, the Zillow 30-Year mortgage rate is 6.601%, and the Freddie Mac 30-Year rate is 6.660%, with Zillow slightly lower than Freddie Mac. The Zillow 15-Year rate is 6.156%, down from 7 days ago. These rates reflect current borrowing costs, which influence how many people can afford to buy homes or refinance existing loans.