Mortgage Loans in Phoenix, AZ

Looking for the ideal mortgage rate in Phoenix, AZ? Compare loan offers from trusted local lenders to find competitive rates and flexible terms that fit your budget. Whether you’re buying your first home or refinancing, the right mortgage is waiting for you in the Valley.

Get personalized support from experts who understand Arizona’s housing market. With low down payment options and quick approvals, your dream home in Phoenix is closer than ever. Start comparing today and take the first step toward homeownership with confidence.

PurchaseRefinanceData Analysis

Filters

Loan Type
Lender
Loan Type
Rate
APR
Term
Link
Info
cuwest
Conv
6.25 - 6.5 %
6.374 - 6.7 %
5 - 30 Yrs
∞
hughesfcu
Conv
6.375 - 6.875 %
6.375 - 6.875 %
15 - 30 Yrs
∞

Today’s Mortgage Rates & Analysis - Updated on 2026-AUG-28

Federal Funds Rate - Trends & Analysis:

Today’s Fed Funds Effective Rate is 3.75%. This rate has stayed the same compared to 1, 7, 30, 60, and 90 days ago. When the Fed Funds rate is steady, it can help keep mortgage rates stable since banks use this rate to set loan costs.

Credit Union Loan Rates - Trends & Analysis:

Credit Union West offers a 15-year Conventional Fixed rate today at 5.75% and a 30-year Conventional Fixed rate at 6.5%. The 30-year Conventional ARM rate is 6.5%, up 13 bp from two weeks ago. FHA 30-year Fixed is slightly lower at 5.99%, down 1 bp from last week. VA 30-year Fixed is 6.0%, up 1 bp from last week. Jumbo 30-year Fixed stands at 6.5%, with a 51 bp increase over two weeks. The 5-year Adjustable rate is steady at 6.25%, and the 7-year Adjustable is 6.375%. Hughes offers a 15-year Conventional Fixed at 6.375% and a 30-year Conventional Fixed at 6.875%, both unchanged from last week. Their 30-year FHA Fixed is 6.25%, down 13 bp from last week and last month. The 30-year VA Fixed is 6.875%, up 13 bp from last week.

Market Indicators - Data & Insights:

Today, Zillow’s 30-year mortgage rate is 6.411%, and Freddie Mac’s 30-year rate is 6.660%, with Zillow lower than Freddie Mac. Zillow’s 15-year rate is 6.109%, down from 7 days ago. These rates reflect the cost borrowers pay to finance homes, influencing how many people can afford to buy or refinance.

🏦 Local Lenders in Phoenix, AZ

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Why compare Mortgage Loans in Phoenix, AZ on LendMesh

If you’re searching for the ideal mortgage rate in Phoenix, AZ, it’s wise to keep exploring your options on LendMesh. Comparing multiple lenders helps you uncover better deals and more affordable rates tailored to your needs. Taking the time to review offers ensures you make informed choices that fit your financial goals without feeling rushed or pressured.

Consider subscribing to LendMesh’s alert service to stay informed effortlessly. Simply set your target rate—whether it’s 4% or 5%—and receive instant notifications when rates drop below your goal. Along with weekly or monthly updates, you’ll get expert insights, market trends, and curated loan deals sent directly to your inbox. Join thousands of Phoenix homebuyers who trust LendMesh to keep them ahead in the mortgage market.

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