Mortgage Loans in Torrance, CA 90503

Looking for the best home rates in Torrance, CA? Compare mortgage offers from trusted local lenders and find competitive rates that fit your budget. Whether you’re buying your first home or refinancing, we make it easy to explore your options and save big.

Experience personalized service tailored to the Torrance community. With options like low down payments and expert guidance, you’ll feel confident navigating your mortgage journey. Start comparing today and take the next step toward owning your dream home in this vibrant coastal city.

Purchase Refinance Data Analysis

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CONVENTIONAL

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Conv

6.25 %

6.434 %

30 Yrs

∞

Conv

6.63 %

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%, unchanged from 7, 30, 60, and 90 days ago. When the Fed Funds rate is higher, it can put upward pressure on mortgage rates because lenders’ borrowing costs increase.

Credit Union Loan Rates - Trends & Analysis:

Pentagon offers a 30-year Conventional Fixed at 6.25% and a 30-year Conventional Refi at 6.125%, down 13 bp from a week ago but up 13 bp from 30 days ago. Their 30-year FHA and VA Fixed rates are both 5.75%, with FHA up 13 bp from a week ago. The Jumbo 30-year Fixed rate is steady at 6.25%. Safe offers a 30-year conventional fixed mortgage at 6.63% today. This rate is up 13 bp from last week and 38 bp higher than a month ago.

Market Indicators - Data & Insights:

Today, Zillow's 30-year mortgage rate is 6.465%, slightly higher than Freddie Mac's 30-year rate at 6.650%. Zillow's 30-year rate is also higher than it was 7 days ago. These rates reflect current borrowing costs, which influence how many people can afford to buy homes and affect overall housing demand.

🏦 Local Lenders in Torrance, CA

UNIFY FINANCIAL FEDERAL CREDIT UNION — 20305 ANZA AVE TORRANCE CA 90503
CALCOM FEDERAL CREDIT UNION — 3400 TORRANCE BLVD TORRANCE CA 90503
SCHOOLSFIRST FEDERAL CREDIT UNION — 21241 HAWTHORNE BLVD TORRANCE CA 90503
CALIFORNIA CREDIT UNION — 20016 HAWTHORNE BLVD TORRANCE CA 90503
WESCOM CENTRAL CREDIT UNION — 19780 HAWTHORNE BLVD TORRANCE CA 90503

See the full lender directory — hours, services & financials →

🏘️ All the Lenders Available in Los Angeles County, CA

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