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Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-03
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 3.75%, unchanged from 1, 7, 30, 60, 90, and 180 days ago. It is lower than one year ago when it was 4.50%. When the Fed Funds rate is higher, mortgage rates often face upward pressure because lenders’ borrowing costs increase.
Credit Union Loan Rates - Trends & Analysis:
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. Westmark offers a 15-year conventional fixed rate at 6.0% today, up 25 bp from a week ago. Their 30-year conventional fixed rate is 6.625%, also up 13 bp over the same period. For 15-year and 30-year conventional refinance loans, rates are 7.0% and 7.625%, each up 25 bp and 13 bp respectively from last week. America First shows a 15-year Conventional Fixed rate today at 5.875%, up 13 bp from a week ago. The 30-year Conventional Fixed and 30-year Conventional Refinance rates are both 6.625%, also up 13 bp from last week. The 30-year FHA Fixed rate is 6.25%, rising 25 bp in seven days. The 30-year VA Fixed rate is 6.375%, increasing 13 bp over the past week and 38 bp since 30 days ago.
Jsc offers a 15-year conventional fixed rate at 6.625%, up 13 bp from last week, and a 30-year conventional fixed at 6.5%, also up 13 bp. Their 30-year conventional refinance rate holds steady at 7.125%. FHA 30-year fixed is 6.125%, unchanged from last week. The VA 30-year fixed rate is 6.25%, steady over seven days but down 13 bp from a month ago.
Market Indicators - Data & Insights:
Today, Zillow's 30-year mortgage rate is 6.578%, slightly higher than Freddie Mac's 30-year rate at 6.660%. Zillow's 30-year rate is also higher than it was 7 days ago. The 15-year rate from Zillow is 6.275%. These rates impact how much homebuyers pay monthly and influence overall housing demand, as higher rates can reduce affordability.