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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%. This rate has stayed the same compared to 1, 7, 30, 60, and 90 days ago. When the Fed Funds rate is steady, it can help keep mortgage rates stable since banks use this rate to set loan costs.
Credit Union Loan Rates - Trends & Analysis:
Sierra Central offers a 30-year Conventional fixed rate at 6.0% today, down 50 bp from a week ago and 13 bp lower than 30 days prior. The 30-year VA fixed rate is 6.625%, up 13 bp from both a week and 30 days ago. Their 30-year Jumbo fixed rate is 6.875%, down 13 bp from a week ago and 13 bp lower than 15 days ago. The 15-year Conventional fixed rate is 6.0%, unchanged from a week ago. 1St United offers a 15-year fixed conventional loan at 6.125% and a 30-year fixed conventional loan at 6.625%, both unchanged from a week ago but up 13 bp from a month ago. Their 30-year jumbo fixed rate is 6.75%, also up 13 bp from 30 days prior. The 7-year adjustable rate fixed stands at 6.0% with no recent changes.
Citizens Equity First offers a 15-year conventional fixed rate at 6.125%, up 13 bp from a week ago, and a 30-year conventional fixed at 6.625%. Their 5-year adjustable rate is 5.875%, unchanged from last week but up 13 bp over 30 days. The 7-year and 10-year adjustable rates are 6.0% and 6.125%, respectively, with the 10-year also up 13 bp over 30 days. The jumbo 30-year fixed rate remains steady at 6.625%. Dupaco Community offers a 15-year conventional fixed rate at 6.0% and a 30-year conventional fixed rate at 6.375%, both unchanged from a week ago but up 13 bp from two weeks prior. The same rates apply for 15-year and 30-year conventional refinances.
Hanscom offers a 15-year fixed rate at 6.0% and a 30-year fixed rate at 6.625% today. The 30-year fixed rate is down 13 bp from a week ago and also 13 bp lower than 30 days ago. The 15-year fixed rate is steady from a week ago but 13 bp lower than 30 days prior. The 30-year VA fixed rate is 6.375% today, down 13 bp from a week ago and 30 days ago.
Patelco offers a 15-year conventional fixed rate at 6.0% and a 30-year conventional fixed rate at 6.625%, both unchanged from last week but down 13 bp from a month ago. Their 15-year conventional refinance rate is 6.0%, up 13 bp from two weeks ago but down 13 bp over 30 days. The 30-year conventional refinance rate is 6.625%, with the same recent changes as the 15-year refinance. Jumbo 30-year fixed loans are at 6.875%, steady over the past month. Adjustable 5-year ARMs are at 5.5%, down 38 bp from 30 days ago.
Digital shows a 15-year conventional fixed rate today at 6.125%, unchanged from last week but up 25 bp from a month ago. The 30-year conventional fixed rate is 6.875%, down 13 bp from last week but up 38 bp from a month ago. The 30-year conventional refinance rate is also 6.875%, down 25 bp from last week and up 38 bp from a month ago. First Technology offers a 15-year Conventional Fixed at 6.125% today, unchanged from last week but down 13 bp from a month ago. The 30-year Conventional Fixed is 6.875%, down 13 bp from both last week and a month ago. Jumbo 30-year Fixed is 6.75%, down 13 bp from last week but up 13 bp from a month ago. Adjustable 5- and 7-year terms are both at 6.0%, up 13 bp from last week and a month ago. The 10-year Adjustable Fixed is 6.75%, down 13 bp from a month ago.
Ventura County shows a 15-year conventional fixed rate steady at 6.0%. The 30-year conventional fixed rate is 6.625%, up 13 bp from 30 days ago. The 30-year VA fixed rate remains at 6.625%. Adjustable 5-year ARMs hold at 5.75%, and 7-year ARMs are at 6.375%. First Entertainment offers a 15-year Conventional Fixed at 6.125% and a 30-year Conventional Fixed at 6.625%. The 15-year Conventional Fixed rose 13 bp from last week. The 30-year Conventional Fixed also increased by 13 bp over the same period. For 30-year Conventional Refinanced loans, the rate holds steady at 6.5%. The 15-year Conventional Refinanced rate matches the fixed at 6.125%, up 13 bp from last week. Adjustable rates include a 3-year ARM at 5.875%, down 13 bp from a month ago, and a 5-year ARM at 6.0%, also down 13 bp over 30 days.
Market Indicators - Data & Insights:
Today, Zillow’s 30-year mortgage rate is 6.411%, and Freddie Mac’s 30-year rate is 6.660%, with Zillow lower than Freddie Mac. Zillow’s 15-year rate is 6.109%, down from 7 days ago. These rates reflect the cost borrowers pay to finance homes, influencing how many people can afford to buy or refinance.