Mortgage Loans

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 and two years ago. When the Fed Funds rate is higher, it can increase mortgage rates as borrowing costs rise for lenders.

Credit Union Loan Rates - Trends & Analysis:

Truity offers a 15-year fixed rate at 6.125% and a 30-year fixed rate at 6.875% as of August 27, 2026. Both rates have increased by 13 bp over the past 30 days. The 15-year fixed rate has held steady over the past week, as has the 30-year fixed rate. Ventura County offers a 15-year conventional fixed rate at 6.0% and a 30-year conventional fixed rate at 6.625%, both unchanged from recent weeks. The VA 30-year fixed rate is also 6.625%. An adjustable 5-year ARM is available at 5.75%, steady as well. The 7-year ARM is at 6.375%, unchanged over 30 days.

Westconsin offers a 15-year conventional fixed rate at 6.5%, up 25 bp from a week ago, and a 30-year conventional fixed at 7.0%, up 13 bp over the same period. Their 5-year adjustable rate is at 6.0%, unchanged from last week but up 13 bp over 30 days, while the 7-year adjustable sits at 6.25%, also steady this week and up 13 bp over 30 days. Whatcom Educational shows a 15-year Conventional Fixed rate today at 6.0%, up 13 bp from a week ago. The 30-year Conventional Fixed rate holds steady at 6.625%. The 30-year Conventional Fixed refinance rate is 6.75%, up 13 bp from both a week and a month ago. The 30-year VA Fixed rate is 6.375%, up 13 bp from a week ago. The 7-year Adjustable Fixed rate is 6.0%, also up 13 bp from last week.

Altaone offers a 15-year fixed rate today at 6.069%, up 13 bp from last week and 19 bp from a month ago. Their 30-year fixed rate is 6.62%, also up 13 bp from last week and 29 bp from a month ago. Credit Human offers a 15-year fixed rate today at 6.1%, up 5 bp from 30 days ago. Their 30-year fixed rate is 6.575%, unchanged from 30 days ago. Both rates increased by 13 bp over the past 15 days. Safe offers a 30-year conventional fixed mortgage at 6.55% today, up 13 bp from 30 days ago. Their 5-year ARM is priced at 6.382%, a 5 bp increase over the past month.

Vantage offers a 15-year conventional fixed rate at 5.375% and a 30-year conventional fixed rate at 6.125%, both unchanged from last week. The 30-year adjustable 7-year fixed rate is 6.125%, up 25 bp from a month ago. The 10-year adjustable fixed rate is 6.25%, also up 25 bp over 30 days. A+ shows a 15-year Conventional Fixed rate today at 6.125%, up 13 bp from a week ago. The 30-year Conventional Fixed and Jumbo Fixed rates are both 6.625%, also up 25 bp over the last seven days. The 5-year ARM is at 6.125%, rising 13 bp in the past week. The 10-year ARM stands at 6.375%, up 25 bp from seven days earlier.

Desert Financial offers a 15-year Conventional Fixed at 6.125%, up 25 bp from a week ago, and a 30-year Conventional Fixed at 6.625%, up 13 bp. The 30-year FHA Fixed is 6.125%, also up 13 bp. Their 5-year ARM is 6.125%, rising 38 bp from last week, and the 7-year ARM is 6.125%, up 25 bp. Jumbo 30-year Fixed is 6.625%, up 13 bp.