Mortgage Loans in Los Angeles, CA

Looking for the best bank rates on a home loan in Los Angeles, CA? Compare offers from trusted local lenders to find a mortgage that fits your budget and lifestyle. We make it easy to see your options and lock in a great rate.

Buying a home in LA is exciting, and having the right loan can make all the difference. Explore competitive rates and personalized terms from lenders who understand the Los Angeles market, so you can move forward with confidence and peace of mind.

PurchaseRefinanceData Analysis

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Loan Type
Lender
Loan Type
Rate
APR
Term
Link
Info
togethercu
Conv
5.75 - 6.25 %
7.028 - 7.163 %
30 Yrs
nuvisionfederal
Conv
5.75 - 6.5 %
6.055 - 6.87 %
15 - 30 Yrs
skylacu
Conv
5.85 - 6.45 %
5.974 - 6.579 %
7 - 30 Yrs
firstent
Conv
5.875 - 6.625 %
6.294 - 6.683 %
3 - 30 Yrs
golden1
Conv
5.875 - 6.625 %
5.875 - 6.625 %
5 - 30 Yrs
cusocal
Conv
5.875 - 6.75 %
5.92 - 6.797 %
5 - 30 Yrs
patelco
Conv
5.875 - 6.75 %
6.179 - 6.831 %
10 - 30 Yrs
alturacu
Conv
5.99 - 6.75 %
6.184 - 6.944 %
15 - 30 Yrs
nasafcu
Conv
6 - 6.5 %
6.26 - 6.663 %
15 - 30 Yrs
bcu
Conv
6 - 6.625 %
6.281 - 6.826 %
5 - 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:

Together offers a 30-year Conventional Fixed at 6.25%, up 50 bp from a week ago. The 5-year ARM is 5.75%, up 25 bp over seven days. The Jumbo 30-year Fixed is 7.0%, up 13 bp in the past week and 25 bp over 30 days. Nuvision offers a 15-year conventional fixed rate at 5.75%, up 13 bp from last week, and a 30-year conventional fixed at 6.5%, also up 13 bp. Their 30-year FHA fixed is 6.125%, rising 13 bp, while the 30-year VA fixed is 6.25%, up 13 bp. For adjustable rates, the 5-year ARM is 5.5%, increasing 13 bp.

Skyla offers a 15-year conventional fixed rate at 5.99% today, up 24 bp from a week ago. Their 30-year conventional fixed rate is 6.45%, a 10 bp increase over the past week. The 7-year adjustable rate is 5.85%, also up 10 bp from last week. First Entertainment offers a 15-year Conventional Fixed rate at 6.25%, up 13 bp from a week ago and 25 bp higher than a month ago. Their 30-year Conventional Fixed and Jumbo Fixed rates hold steady at 6.625%, with a 30-day increase of 13 bp. FHA 3-year and 5-year ARMs are at 6.0% and 6.125%, respectively, with a 30-day rise of 13 bp. The 7-year ARM stays at 5.875%. The 10-year ARM is 6.5%, up 13 bp over 30 days.

The Golden 1 offers a 15-year Conventional fixed rate today at 5.875%, up 25 bp from last week, and a 30-year Conventional fixed at 6.625%, also up 25 bp. Their 30-year Conventional refinance rate is 7.0%, up 25 bp. FHA 30-year fixed is 6.49%, up 12 bp. Jumbo 30-year fixed is 6.375%, up 13 bp. Adjustable rates include 5-year and 7-year ARMs at 5.75%, each up 13 bp. The 10-year ARM is 6.0%, up 13 bp. Credit Union Of Southern California offers a 15-year conventional fixed rate today at 6.125%, up 13 bp from a week ago. The 30-year conventional fixed rate is 6.75%, also up 13 bp over the last week. Jumbo 30-year fixed loans match the conventional 30-year fixed at 6.75%, with the same 13 bp weekly increase. Adjustable 5-year and 7-year ARM rates hold steady at 5.875% and 6.125%, respectively.

Patelco offers a 15-year conventional fixed rate at 6.125% and a 30-year conventional fixed at 6.625%, both unchanged from a week ago. Their 15-year conventional refinance is 6.375%, up 13 bp from last week, while the 30-year conventional refinance is 6.875%, up 13 bp. Adjustable-rate 5- and 7-year ARMs are steady today at 5.625%. The 10-year ARM is 6.0%, up 13 bp from seven days ago. The jumbo 30-year fixed rate is steady at 6.875%. Altura offers a 15-year Conventional Fixed at 5.99%, up 24 bp from a week ago, and a 30-year Conventional Fixed at 6.75%, up 13 bp from last week and 25 bp from 30 days ago. The 30-year FHA Fixed is steady at 7.0%. Jumbo 30-year Fixed is 6.625%, up 13 bp from last week. Adjustable 5-year and 7-year terms are at 6.875% and 6.75%, rising 63 bp and 50 bp respectively from a week ago.

Nasa offers a 15-year conventional fixed rate at 6.0%, unchanged from last week but up 25 bp from a month ago. The 30-year conventional fixed rate is 6.5%, steady over the past week and 13 bp higher than 30 days ago. FHA 30-year fixed loans are at 6.375%, the same as last week but up 25 bp from a month ago. VA 30-year fixed loans stand at 6.125%, up 13 bp from a month ago. Jumbo 30-year fixed loans are at 6.625%, unchanged this week but 25 bp higher than 30 days ago. Baxter offers a 15-year Conventional Fixed at 6.0%, up 13 bp from last week and 25 bp from 30 days ago. Their 30-year Conventional Fixed is steady at 6.625%, unchanged from last week but up 13 bp from 30 days ago. The 15-year Adjustable Fixed is 5.375%, up 13 bp from 30 days ago. The Jumbo 30-year Fixed remains steady at 6.25%.

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.

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