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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:
Schoolsfirst offers a 15-year conventional fixed rate at 5.875% and a 30-year conventional fixed at 6.625%, both unchanged from a week ago. Their 15-year conventional refinance rate rose by 13 bp to 6.0%, while the 30-year conventional refinance climbed 13 bp to 6.75%. FHA and jumbo 30-year fixed rates hold steady at 6.625%. Meriwest offers both 15-year and 30-year conventional fixed loans today at 6.25%. The 30-year fixed rate dropped by 13 bp since last week, now at 6.25%. The 15-year fixed rate has stayed steady at 6.25%.
America First offers a 15-year conventional fixed rate at 6.25% today, up 13 bp from a week ago and 63 bp from a month ago. Their 30-year conventional fixed and 30-year conventional refinance rates are both 6.875% today, with a 30 bp increase over the past 30 days. FHA 30-year fixed loans are priced at 6.5%, and VA 30-year fixed loans are at 6.625%, each up 38 bp from a month ago. Baxter offers a 15-year conventional fixed rate today at 6.25%, up 25 bp from last week and 63 bp from a month ago. Their 30-year conventional fixed rate is 6.875%, up 25 bp from last week and 50 bp from a month ago. The 30-year jumbo fixed rate is also 6.875%, up 63 bp from both last week and a month ago. For adjustable rates, the 5-year ARM is at 5.625%, up 25 bp from last week and 38 bp from a month ago.
Community First offers a 15-year fixed conventional loan at 6.625% today, up 50 bp from a week ago and 50 bp from 30 days ago. Their 30-year fixed conventional rate is 6.875%, rising 13 bp over both the past week and month. The 15-year fixed conventional rate increased by 63 bp compared to two weeks ago. Orange County'S shows a 15-year conventional fixed rate today at 6.25%, up 25 bp from last week and 38 bp from 30 days ago. The 30-year conventional fixed rate is 6.875%, also up 25 bp from last week and 38 bp from 30 days ago. Adjustable rates include a 5-year ARM at 5.875%, up 25 bp from last week, a 7-year ARM at 6.375%, up 25 bp, and a 10-year ARM at 6.5%, up 25 bp from last week and 25 bp from 30 days ago.
State Department shows a 15-year conventional fixed rate today at 6.125%, down 13 bp from a week ago, and a 30-year conventional fixed rate at 6.75%. The 15-year adjustable rate mortgage is at 6.125%, up 13 bp from last week, while the 7-year adjustable is 6.5%, unchanged from seven days ago. The 10-year adjustable rate stands at 6.5%. The jumbo 30-year fixed rate is 7.5%, down 25 bp from a week ago. Los Angeles shows a 15-year conventional fixed rate today at 6.625%, up 50 bp from last week. The 30-year conventional fixed rate is 7.0%, also up 50 bp over the same period. Jumbo 30-year fixed loans are at 7.5%, increasing by 50 bp in the past week. Adjustable rates include a 3-year ARM at 6.0%, up 50 bp, and a 5-year ARM at 6.375%, rising 38 bp. The 7-year and 10-year ARMs are at 6.625% and 6.75%, each up 38 bp.
Credit Union Of Southern California offers a 15-year conventional fixed rate today at 6.5%, up 50 bp from 30 days ago. The 30-year conventional fixed rate is 7.125%, up 38 bp from 30 days ago. The 30-year jumbo fixed rate is 7.0%, up 25 bp from 30 days ago. Adjustable 5-year and 7-year fixed rates are 6.25% and 6.5%, respectively, each up 13 bp from a week ago. Altaone offers a 15-year fixed rate at 6.32%, up 25 bp from a week ago, and a 30-year fixed at 6.997%, up 38 bp in the same period. Both rates have increased by 38 bp compared to 30 days ago. These are the current conventional fixed mortgage rates available today.
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.