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Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-04
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 3.75%, unchanged from 1, 7, 30, 60, and 90 days ago. The rate is lower than one year ago when it was 4.50%. When the Fed Funds rate is higher, it can increase mortgage rates by raising borrowing costs for lenders.
Credit Union Loan Rates - Trends & Analysis:
Hughes shows a 15-year conventional fixed rate today at 6.5%, up 13 bp from a week ago and 25 bp from 30 days prior. Their 30-year conventional fixed rate is 6.99%, rising 12 bp over the last week and month. The 30-year FHA fixed rate is 6.375%, 13 bp higher than a week ago and 13 bp above 30 days ago. The 30-year VA fixed rate holds steady at 6.875% from last week but is up 13 bp from 30 days ago. Financial Plus offers a 15-year conventional fixed at 6.5%, up from 6.375% a week ago. Their 30-year conventional fixed is 6.875%, also up by 13 bp in the last week. The 30-year FHA fixed rate is 6.375%, which rose 13 bp since last week.
Orion offers a 15-year conventional fixed rate at 6.641% and a 30-year conventional fixed rate at 6.586%. The 30-year VA fixed rate is 6.726%, and the 30-year FHA fixed rate is 7.414%. Rates have stayed steady over the past week and month. Educators offers a 30-year conventional fixed rate at 6.625% today, unchanged from a week ago but up 38 bp from 30 days prior. The last available 15-year fixed conventional rate was 5.875% on August 4. Directions offers a 30-year Conventional fixed mortgage at 7.0% today. The rate is unchanged from a week ago but up 13 bp from a month ago. There are no other fixed or adjustable options with current rates shown.
Northwest shows a 15-year Conventional Fixed rate today at 6.0%, up 13 bp from 30 days ago. The 30-year Conventional Fixed rate holds steady at 6.5%. Jumbo 30-year Fixed loans are 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%. Safe offers a 30-year conventional fixed mortgage at 6.63% today. This rate is up 13 bp from last week and 38 bp higher than a month ago. First Flight offers a 15-year conventional fixed mortgage at 6.64% today. This rate rose by 13 bp over the past week and 25 bp over the past 15 days.
Family Savings offers a 15-year conventional fixed mortgage at 6.85% today, up 10 bp from 30 days ago. Rates have held steady over the past week. Everwise offers a 30-year conventional fixed mortgage at 6.875% today. This rate is up 13 bp from a week ago but unchanged from 30 days ago.
Market Indicators - Data & Insights:
Today, Zillow shows the 30-year mortgage rate at 6.531% and the 15-year at 6.250%. Freddie Mac reports the 30-year rate at 6.710%, which is higher than Zillow’s 30-year rate today. These rates reflect the current cost of borrowing for homebuyers, influencing how much people may be willing to pay for homes.