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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.
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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:
Affinity shows a 15-year conventional fixed rate today at 5.875%, up 25 bp from last week and 38 bp from 30 days ago. Their 30-year conventional fixed is 6.5%, also up 25 bp from last week and 38 bp from 30 days ago. FHA fixed rates for 3-year, 5-year, and 7-year terms are 6.125%, 6.25%, and 6.5%, each rising 25 bp over the past week and 38 bp over the past month.
First Entertainment offers a 15-year conventional fixed rate at 6.625%, up 13 bp from last week, and a 30-year conventional fixed at 7.0%, also up 13 bp. The 15-year conventional refinance is 6.625%, rising 25 bp, while the 30-year conventional refinance holds steady at 6.875%. Jumbo 30-year fixed loans match the 30-year conventional fixed at 7.0%, up 13 bp. Adjustable rates include a 3-year ARM at 6.375%, up 13 bp, and a 5-year ARM at 6.5%, also up 13 bp. The 7-year ARM remains steady at 5.875%. Pacific Service offers a 15-year conventional fixed rate at 6.0%, up 13 bp from last week, and a 30-year conventional fixed at 6.75%, also up 13 bp. Their 30-year FHA fixed rate is 6.5%, rising 50 bp over the past week. The 30-year Jumbo fixed rate is 6.125%, down 25 bp from last week. The 15-year adjustable rate is steady at 5.75%.
Navy Federal Credit Union offers a 15-year Conventional fixed rate at 6.0% and a 30-year Conventional fixed rate at 6.625%, both unchanged from last week. Their 15-year Conventional refinance rate is 6.0%, up 38 bp from a week ago, while the 30-year Conventional refinance rate is 6.625%, also up 38 bp. The 30-year VA fixed rate is 6.25%, unchanged from a week ago but up 50 bp from a month ago. The 30-year Jumbo fixed rate is 6.875%, steady over the past week. The 3-year ARM Conventional rate is 5.625%, up 25 bp from last week, and the 5-year ARM Conventional rate is 5.875%, also up 25 bp.
Nuvision offers a 15-year Conventional Fixed at 6.0%, up 25 bp from a week ago and 63 bp from a month ago. Their 30-year Conventional Fixed is 6.625%, unchanged from last week but up 38 bp from 30 days ago. FHA 30-year Fixed is 6.375%, up 13 bp this week and 50 bp over the past month. Jumbo 30-year Fixed is also 6.375%, up 13 bp in the last week and 25 bp in 30 days. The 5-year ARM is 5.25%, up 13 bp from last week.
The Golden 1 offers a 15-year conventional fixed at 6.0% today, unchanged from a week ago but up 50 bp from a month prior. Their 30-year conventional fixed is 6.625%, down 13 bp from last week and up 38 bp over 30 days. The 30-year FHA fixed rate is 6.49%, steady this week but up 37 bp from a month ago. For adjustable rates, the 5-year ARM is 5.875%, up 13 bp from last week and month, while the 7-year ARM is also 5.875%, up 13 bp from last week. Patelco offers a 15-year conventional fixed rate at 6.5% and a 30-year conventional fixed rate at 7.0%. Their 15-year conventional refinance is 6.625%, up 25 bp from a week ago, while the 30-year conventional refinance is 7.0%, up 13 bp. The 30-year jumbo fixed rate is 7.0%, and adjustable rates include a 5-year ARM at 5.75% and a 10-year ARM at 6.125%, both up 13 bp over 30 days.
Alliant offers a 15-year fixed conventional loan at 6.125% and a 30-year fixed conventional loan at 7.0% today. They also have adjustable-rate options for 5, 7, and 10 years fixed at 6.0%, 6.125%, and 6.375%, respectively. Rates have stayed steady over the past weeks. Star One shows a 15-year Conventional Fixed rate today at 6.625%, up 13 bp from a week ago and 50 bp from a month ago. The 30-year Conventional Fixed rate is 7.0%, rising 13 bp over seven days and 125 bp over 30 days. The Jumbo 30-year Fixed rate is also 7.0%, up 13 bp in a week and 61 bp in a month. Adjustable rates include a 3-year ARM at 5.75% and a 5-year ARM at 5.875%, with the latter up 13 bp over 30 days.
Citizens Equity First offers a 15-year conventional fixed at 6.5%, up 25 bp from last week, and a 30-year conventional fixed at 7.125%, also up 25 bp. Their adjustable-rate 5-year fixed stands at 6.0%, unchanged from a week ago. The 7-year and 10-year adjustable fixed rates are slightly higher at 6.125% and 6.25%, respectively, each up 13 bp over the past 30 days. Jumbo loans match the 30-year conventional fixed at 7.125%, up 25 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.