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Looking for the lowest mortgage rates today in El Segundo, CA? Compare local loan offers that fit your budget and lifestyle. Whether you’re buying your first home or refinancing, finding the right rate can save you thousands.
El Segundo residents enjoy personalized service and quick approvals from trusted lenders. Explore flexible terms designed to meet your needs and make your home financing simple and stress-free right here in your community.
Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-23
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 4.00%, which is higher than 7 days ago at 3.75%. When the Fed Funds rate rises, it can put upward pressure on mortgage rates because lenders face higher borrowing costs.
Credit Union Loan Rates - Trends & Analysis:
Coast Central offers a 30-year conventional fixed mortgage at 4.5% today, unchanged from last week and last month. Safe 1 offers a 15-year fixed mortgage at 5.5% and a 30-year fixed mortgage at 6.0%, both unchanged from recent weeks. These steady rates provide clear options for borrowers looking for fixed terms. Affinity Plus offers a 15-year Conventional Fixed rate at 6.5% today, up 13 bp from a week ago and 38 bp over the past 30 days. The 30-year Conventional Fixed and Jumbo Fixed rates are both 7.0%, each up 13 bp from last week and 25 bp over 30 days. The VA 30-year Fixed rate is 7.625%, unchanged from a week ago but up 38 bp over 30 days. Adjustable-rate 5-year and 7-year ARMs hold steady at 5.25% and 5.5%.
Certified shows a 15-year Conventional Fixed rate today at 5.5%, up 38 bp from two weeks ago. Their 30-year Conventional Fixed rate is 6.25%, also up 38 bp over the same period. The Jumbo 30-year Fixed rate is 6.25%, up 38 bp from a week ago. Consumers offers a 15-year Conventional Fixed at 5.5% and a 30-year Conventional Fixed at 7.125%, with the 30-year rate up 38 bp from 30 days ago. American has a 5-year ARM at 6.375%, which rose 38 bp over the past month. Jumbo loans include a 30-year Fixed at 7.125%, up 25 bp in 30 days.
Sandia Laboratory offers a 15-year conventional fixed rate at 6.25%, up 25 bp from a week ago, and a 30-year conventional fixed at 6.75%, up 13 bp over the same period. The credit union also has a 5-year adjustable rate at 5.5% and a 7-year adjustable rate at 6.375%, both unchanged from last week. Northrop Grumman offers 3-year fixed at 5.5%, 5-year fixed at 5.625%, and 7-year fixed at 6.125%, all steady from recent weeks. The 5-year fixed is today 5.625%.
San Francisco Fire offers a 15-year conventional fixed rate today at 6.125%, up 25 bp from last week. Their 30-year conventional fixed rate is 6.75%, also up 25 bp over seven days and 38 bp higher than a month ago. The jumbo 30-year fixed rate stands at 6.5%, unchanged from last week but up 25 bp from 30 days prior. Adjustable rates remain steady with 5-year at 5.625%, 7-year at 5.75%, and 10-year at 6.0%. First City offers a 15-year conventional fixed rate at 6.125% and a 30-year conventional fixed rate at 6.75% today. Their 15-year conventional refinance rate is higher at 7.75%. Adjustable rates include a 5-year ARM at 5.25%, a 7-year ARM at 5.5%, and a 10-year ARM at 5.75%.
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.
Market Indicators - Data & Insights:
Today, Zillow's 30-year mortgage rate is 7.021%, and Freddie Mac's 30-year rate is 6.950%, with Zillow higher than Freddie Mac. Zillow's 15-year rate stands at 6.911%, higher than 7 days ago. These rates reflect the current cost of borrowing for homebuyers, influencing how much people can afford and the demand for housing.