Filters
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:
Westerra offers a 30-year Conventional Fixed mortgage at 6.922% today, up 13 bp from a week ago and 13 bp from 30 days ago. They also have a 30-year Jumbo Fixed loan at 6.645%, which rose 13 bp in the last week and 25 bp over the past 15 days, with a 13 bp increase compared to 30 days ago. Tyndall offers a 30-year conventional fixed mortgage at 7.0% today, up 13 bp from both one and 30 days ago. Their 30-year FHA fixed rate is 6.5%, also up 13 bp over the same periods.
Founders offers a 15-year conventional fixed rate at 5.875%, up 13 bp from last week, and a 30-year conventional fixed rate at 6.375%, also up 13 bp over seven days but down 13 bp over 30 days. The 7-year fixed rate is 5.875%, rising 13 bp in the past week. Oregon Community offers a 15-year fixed rate at 7.561% and a 30-year fixed rate at 8.013%, both unchanged from last week and last month.
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.