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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:
Credit Union Of Southern California offers a 15-year fixed rate at 6.0% today and a 30-year fixed rate at 6.625%, down 13 bp from 30 days ago. The Jumbo 30-year fixed rate is 6.625%, down 13 bp from a week ago. Adjustable 5-year and 7-year fixed rates are 5.875% and 6.125%, respectively. 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%, up 13 bp from a week ago. Their 30-year conventional fixed rate is 6.375%, down 13 bp over the past month. The 30-year FHA fixed rate is 6.25%, up 13 bp from last week. The 30-year VA fixed rate stands at 6.0%, up 13 bp from seven days ago. The 30-year jumbo fixed rate matches the conventional at 6.375%, down 13 bp over 30 days.
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 rate at 6.375%, up 13 bp from 30 days ago. Their 30-year jumbo fixed rate is steady at 6.25%. Adjustable rates include a 5-year ARM at 5.625%, a 7-year ARM at 5.75%, and a 10-year ARM at 6.0%, all unchanged. 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 three weeks ago. Their 5-year ARM is at 5.5%, down 25 bp from 30 days ago, and the 7-year ARM is 6.375%, also down 25 bp over the same period. Rates have held steady this week with some easing in ARMs over the past month.
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. Altaone offers a 15-year fixed rate at 5.943% and a 30-year fixed rate at 6.494% today. The 15-year fixed rate is up 7 bp from 30 days ago. The 30-year fixed rate has increased by 17 bp over the same period.
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.