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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, 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:
Kinecta offers a 30-year conventional fixed mortgage at 6.5% today, up 13 bp from a week ago. Kinecta also has a 30-year jumbo fixed at 6.625%, unchanged from last week. The 5-year adjustable rate mortgage is at 5.625% today. 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, the Zillow 30-Year mortgage rate is 6.601%, and the Freddie Mac 30-Year rate is 6.660%, with Zillow slightly lower than Freddie Mac. The Zillow 15-Year rate is 6.156%, down from 7 days ago. These rates reflect current borrowing costs, which influence how many people can afford to buy homes or refinance existing loans.