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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:
Empower offers a 15-year fixed rate at 5.75%, down 13 bp from last week, and a 30-year fixed at 6.375%, also down 13 bp over the same period. The 10-year fixed rate is 5.75%, down 13 bp from a week ago. These rates have held steady compared to earlier in the month. Jovia Financial offers a 15-year conventional fixed rate today at 5.875%, up 13 bp from last week. Their 30-year conventional fixed and FHA fixed rates hold steady at 6.375%. The 30-year VA fixed is at 6.5%, and the 30-year jumbo fixed remains at 7.0%. Adjustable rates include a 7-year fixed at 5.875%, up 13 bp from a month ago, and a 10-year fixed at 6.375%, also up 13 bp over 30 days.
Mayo Employees offers a 15-year conventional fixed rate at 5.875% and a 30-year conventional fixed rate at 6.5%, both steady from prior weeks. Their 15-year conventional refinance rate is 6.127%. They also have adjustable rates at 5 years and 7 years, today 5.625% and 5.75%, respectively. People First offers a 15-year conventional fixed rate today at 5.875%, unchanged from last week but up 25 bp from two weeks ago. Their 30-year conventional fixed rate is 6.5%, also steady this week but up 50 bp from a month ago. The 30-year FHA fixed rate holds steady at 6.25%. For adjustable rates, the 5-year ARM is 5.5%, up 25 bp from two weeks ago, and the 10-year ARM is 5.99%, also up 25 bp from two weeks ago.
Sunmark offers a 15-year conventional fixed rate at 6.25%, up 13 bp from a week ago. Their 30-year conventional fixed rate is 6.375%, down 13 bp over the same period. The 30-year FHA fixed rate is 6.25%, rising 13 to 25 bp depending on the timeframe. The 30-year VA fixed rate is 6.5%, up 13 bp. The 5-year ARM is at 5.875%, down 12 bp from last week. Abound offers a 15-year conventional fixed rate today at 5.875%, up 13 bp from a week ago. The 30-year conventional fixed rate is 6.625%, also up 13 bp over the last week. Their 30-year VA fixed rate is 6.25%, which rose 13 bp in the past seven days. Additionally, 30-year jumbo and 5- and 7-year adjustable rates are all at 6.625%, each up 13 bp from last week.
Advia offers a 15-year conventional fixed rate at 5.875%, down 25 bp from 30 days ago, and a 30-year conventional fixed rate steady at 6.625%. Their 5-year adjustable rate is steady at 5.875%, and the 7-year adjustable rate remains at 6.0%. Alabama One offers a 15-year fixed rate today at 5.875%, unchanged from last week but up 25 bp from a month ago. Their 30-year fixed rate is 6.625%, steady over the past week and up 13 bp from 30 days back. Baxter offers a 15-year conventional fixed rate at 5.875%, up 13 bp from a week ago, and a 30-year conventional fixed at 6.625%, also up 13 bp. Their 30-year jumbo fixed rate holds steady at 6.25%. The 5-year ARM is at 5.375%, rising 13 bp from last week.
Clearview has a 15-year fixed rate today at 5.875%. The 30-year fixed rate is 6.625%, up 13 bp from a week ago and 25 bp from 30 days 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.