Mortgage Loans in Phoenix, AZ

Looking to refinance your loan in Phoenix, AZ? Compare offers from trusted local lenders who understand your community and can help you save big with rates tailored just for you. Refinancing doesn’t have to be complicated—get clear options and friendly support every step of the way.

Phoenix homeowners deserve easy access to the best mortgage deals. By comparing multiple loan offers, you can find flexible terms and faster approvals that fit your budget and goals. Start your refinancing journey today and see how much you could save with lenders who know Arizona inside and out.

PurchaseRefinanceData Analysis

Filters

Loan Type
Lender
Loan Type
Rate
APR
Term
Link
Info
cuwest
Conv
6.5 - 6.875 %
6.626 - 7.055 %
5 - 30 Yrs
∞
hughesfcu
Conv
6.5 - 6.99 %
6.5 - 6.99 %
15 - 30 Yrs
∞

Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-14

Federal Funds Rate - Trends & Analysis:

Today’s Fed Funds Effective Rate is 3.75%, the same as 7, 30, 60, and 90 days ago. The rate is lower than it was one year ago at 4.50%. When the Fed Funds rate is higher, mortgage rates often face upward pressure because lenders’ costs increase.

Credit Union Loan Rates - Trends & Analysis:

Credit Union West has a 15-year conventional fixed rate today at 6.125%, up 25 bp from last week. Their 30-year conventional fixed is 6.875%, also up 38 bp over the same period. The 30-year VA fixed rate is 6.25%, rising 26 bp since last week. Jumbo 30-year fixed loans are at 6.875%, up 38 bp, with a larger 88 bp increase over the past month. The 5-year adjustable rate is 6.5%, up 25 bp. Hughes shows a 15-year conventional fixed rate today at 6.5%, up 13 bp from a week ago and 25 bp from 30 days prior. Their 30-year conventional fixed rate is 6.99%, rising 12 bp over the last week and month. The 30-year FHA fixed rate is 6.375%, 13 bp higher than a week ago and 13 bp above 30 days ago. The 30-year VA fixed rate holds steady at 6.875% from last week but is up 13 bp from 30 days ago.

Market Indicators - Data & Insights:

Today, Zillow’s 30-year mortgage rate is 6.745%, higher than Freddie Mac’s 6.760%. Zillow’s 30-year rate is also higher than it was 7 days ago. The Zillow 15-year rate stands at 6.482%. These rates reflect current borrowing costs, which influence how many people can afford to buy homes or refinance existing loans.

🏦 Local Lenders in Phoenix, AZ

See the full lender directory — hours, services & financials →

🏘️ All the Lenders Available in Maricopa County, AZ

✅TRUWEST CREDIT UNION
✅CREDIT UNION WEST CREDIT UNION
✅DESERT FINANCIAL CREDIT UNION
✅ARIZONA FINANCIAL CREDIT UNION
✅MARISOL FEDERAL CREDIT UNION
✅ONEAZ CREDIT UNION
✅COPPER STATE CREDIT UNION
✅BANNER FEDERAL CREDIT UNION
✅INTERFAITH FEDERAL CREDIT UNION
✅FIRST 68444 CREDIT UNION
✅UHAUL CREDIT UNION
✅ARIZONA CENTRAL CREDIT UNION
✅GLOBAL FEDERAL CREDIT UNION
✅NAVY FEDERAL CREDIT UNION FEDERAL CREDIT UNION
✅SIERRA PACIFIC FEDERAL CREDIT UNION
✅NOTRE DAME FEDERAL CREDIT UNION
✅AERO FEDERAL CREDIT UNION
✅MOUNTAIN AMERICA FEDERAL CREDIT UNION
✅VANTAGE WEST CREDIT UNION
✅SOUTHWEST AIRLINES FEDERAL CREDIT UNION
✅AMERICAN AIRLINES FEDERAL CREDIT UNION
✅BLUE WATER FEDERAL CREDIT UNION
✅SAN DIEGO FIREFIGHTERS FEDERAL CREDIT UNION
✅CHICAGO AVENUE GARAGE FEDERAL CREDIT UNION
✅FLORIDA WEST COAST CREDIT UNION
✅ALHAMBRA CREDIT UNION
✅SUNWEST 2226 CREDIT UNION
✅AMERICA FIRST FEDERAL CREDIT UNION
✅EM FEDERAL CREDIT UNION
✅GREENWICH MUNICIPAL EMPLOYEES FEDERAL CREDIT UNION
✅LANDINGS CREDIT UNION
✅MAYO EMPLOYEES FEDERAL CREDIT UNION
✅FARMERS INSURANCE FEDERAL CREDIT UNION
✅UNIFY FINANCIAL FEDERAL CREDIT UNION
✅NUVISION FEDERAL CREDIT UNION
✅NORTHROP GRUMMAN FEDERAL CREDIT UNION
✅FIREFIGHTERS FIRST FEDERAL CREDIT UNION
✅TRUGROCER FEDERAL CREDIT UNION

Compare other loan types in Phoenix, AZ

Why compare Mortgage Loans in Phoenix, AZ on LendMesh

If you’re exploring refinancing loan options in Phoenix, AZ, keep comparing lenders on LendMesh to uncover better deals and potentially lower rates. Taking the time to review multiple offers helps you find terms that truly fit your financial goals. LendMesh makes it simple and transparent, so you can feel confident you’re making the right choice without pressure.

Consider subscribing to LendMesh for personalized loan alerts tailored to your ideal rate. Just share your target—whether it’s 5%, 4%, or another number—and we’ll notify you as soon as offers dip below that threshold. With weekly or monthly updates featuring expert insights, rate trends, and carefully selected deals, you’ll stay informed and ahead of the market with ease. Join thousands of Phoenix borrowers who trust LendMesh to catch the best refinancing opportunities.

Customers are also interested in:

Refinancing Loan