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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:
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 also holds steady at 5.875%. Rates have been stable over the past month with no shifts in basis points. This consistency can help you plan your mortgage with confidence. Safe 1 offers a 15-year fixed rate at 5.5% and a 30-year fixed rate at 6.0%, both unchanged from recent weeks. These steady rates provide clear options for borrowers considering either shorter or longer loan terms.
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.
Nuvision offers a 15-year Conventional Fixed at 5.375%, down 13 bp from a month ago, and a 30-year Conventional Fixed at 6.25%. The 30-year FHA Fixed rate is steady at 5.875%. The 30-year VA Fixed rate dropped 13 bp in the past week to 5.875%. Jumbo 30-year Fixed loans are at 6.125%, up 13 bp over the last 30 days. Adjustable 5-year ARMs hold steady at 5.25%, and 7-year ARMs remain at 5.5%. 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.
Consumers offer a 15-year fixed conventional loan at 5.5% and a 30-year fixed conventional loan at 6.625%, down 13 bp from a week ago. Their 30-year fixed jumbo loan is 6.625%, down 25 bp from last week. A5 has a 5-year ARM at 6.0%, unchanged from last week but down 13 bp from a month 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 rate at 5.625% and a 30-year conventional fixed rate at 6.25%, both unchanged from a week ago. The 15-year conventional refinance is 5.625%, up 25 bp from two weeks ago, while the 30-year conventional refinance is 6.25%, up 50 bp over the same period. The 30-year VA fixed rate is 5.75%, steady from last week but down 13 bp from a month ago. The 30-year jumbo fixed rate is 6.5%, unchanged from last week. The 3-year ARM is 5.375%, and the 5-year ARM is 5.625%, both steady from last week.
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.