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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:
Credit Union Of Southern California offers a 15-year conventional fixed rate at 6.0% and a 30-year conventional fixed rate at 6.625%, down 13 bp from a week ago. The jumbo 30-year fixed rate matches the conventional 30-year at 6.625%, also down 13 bp over the past week. Adjustable rates include a 5-year ARM at 5.875% and a 7-year ARM at 6.125%, both steady from a month ago. San-Francisco-Federal-Credit-Union shows a 15-year Conventional Fixed rate today at 5.75%, up 25 bp from last week. Their 30-year Conventional Fixed rate is 6.615%, up 12 bp over seven days. The 30-year Jumbo Fixed rate is 6.365%, down 26 bp from last week. Adjustable rates include a 5-year ARM at 5.5%, down 25 bp, a 7-year ARM at 5.625%, down 25 bp, and a 10-year ARM at 6.0%, down 75 bp.
California Coast offers a 15-year conventional fixed rate at 6.125% and a 30-year conventional fixed rate at 6.75%, both unchanged from recent weeks. The jumbo 30-year fixed rate is also steady at 6.75%. Adjustable rates include a 5-year ARM at 5.5% and a 7-year ARM at 6.0%, with no recent changes. Nasa offers a 15-year conventional fixed rate at 5.875% today, up 13 bp from last week. The 30-year conventional fixed rate holds steady at 6.375%. FHA 30-year fixed loans are at 6.25%, also up 13 bp from last week. VA 30-year fixed loans are 6.0%, up 13 bp from last week. Jumbo 30-year fixed loans are at 6.5%, up 13 bp from last week and 13 bp higher than a month ago.
Lbs Financial offers a 15-year fixed rate today at 5.875% and a 30-year fixed rate at 6.375%. The 30-year fixed rate rose by 13 bp compared to 30 days ago. The 15-year fixed rate has stayed steady over the past month. Star One offers a 15-year conventional fixed rate at 6.0%, unchanged from last week but down 13 bp from a month ago. Their 30-year conventional fixed rate is steady at 5.75%. The 30-year jumbo fixed rate is 5.75% today, down 64 bp from last week and 68 bp from a month ago.
San Francisco Fire offers a 15-year Conventional Fixed rate at 5.75% and a 30-year Conventional Fixed at 6.375%. They also have a Jumbo 30-year Fixed at 6.25%. For Adjustable rates, the 5-year ARM is today 5.625%, the 7-year ARM is 5.75%, and the 10-year ARM is 6.0%. Sandia Laboratory offers a 15-year conventional fixed rate at 5.75% and a 30-year conventional fixed rate at 6.25%, both unchanged from a month ago. Their 5-year ARM is at 5.5%, down 25 bp from 30 days ago, while the 7-year ARM stands at 6.375%, also down 25 bp over the same period.
Schoolsfirst offers a 15-year Conventional Fixed rate today at 5.625% and a 30-year Conventional Fixed rate at 6.375%. The Jumbo 30-year Fixed rate is also 6.375%, down 13 bp from 30 days ago. FHA 30-year Fixed matches the 30-year Conventional Fixed at 6.375%. Altaone offers a 15-year fixed rate at 5.943% and a 30-year fixed rate at 6.494% as of August 28, 2026. The 15-year fixed rate is up 7 bp from 30 days ago, while the 30-year fixed rate increased by 17 bp over the same period. Rates have held steady compared to a week ago.
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.