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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. Schoolsfirst offers a 15-year Conventional Fixed loan today at 5.625% and a 30-year Conventional Fixed loan at 6.375%. The 30-year rate rose by 13 bp compared to 30 days ago. FHA and Jumbo 30-year Fixed loans match the 30-year Conventional Fixed rate at 6.375%. The 15-year Conventional Fixed rate is steady compared to a week ago.
First Entertainment shows a 15-year conventional fixed rate today at 6.125%, up 13 bp from last week. The 30-year conventional fixed rate is 6.625%, also up 13 bp over seven days. For 15-year conventional refinance, the rate is steady at 6.0%, while the 30-year conventional refinance rate holds at 6.5%. The 30-year jumbo fixed rate is 6.625%, up 13 bp from last week. The 3-year ARM is 5.875%, unchanged. The Golden 1 offers a 15-year Conventional Fixed at 5.5% and a 30-year Conventional Fixed at 6.25%, both unchanged from last week. Their 30-year FHA Fixed is 6.125%, up 13 bp from seven days ago. Adjustable rates include a 5-year ARM at 5.75%, up 25 bp, a 7-year ARM at 5.875%, up 38 bp, and a 10-year ARM at 6.0%, up 25 bp.
Patelco offers 15-year and 30-year Conventional Fixed loans at 6.0% and 6.625% today, both down 13 bp from a month ago. Their 15-year and 30-year Conventional Refi rates match those fixed rates. Jumbo 30-year Fixed loans remain steady at 6.875%. Adjustable 5-year ARM rates are at 5.5%, down 38 bp from a month ago, while 7-year and 10-year ARMs hold steady at 5.5% and 5.875%. 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%.
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.