Mortgage rates Thursday, Sept. 3, 2026 | Fortune

Mortgage Research Center data reviewed by Fortune shows U.S. rates edging higher on Sept. 3, 2026. The average rate for a 30-year fixed-rate conforming mortgage is 6.810%, slightly above 6.803% from the prior day. For a 15-year fixed-rate conforming loan, the average is 5.980%, down from 5.992% the previous report. Jumbo 30-year conforming loans average 6.830%, marginally higher than 6.809% the day before; FHA 30-year loans average 6.161%, slightly lower than 6.164%. VA 30-year rates hold around 6.252%, versus 6.253% previously, while USDA 30-year averages 6.276%, up from 6.206%. The article notes the Fed influences mortgage rates indirectly via the federal funds rate.