Mortgage Loans in Irvine, CA

Looking for the best credit union home loan rates in Irvine, CA? Compare offers from trusted local lenders to find a mortgage that fits your budget and lifestyle, with flexible terms designed to make homeownership simple and affordable.

Our experts understand Irvine’s market and can help you navigate rates and approvals smoothly. Start comparing today to unlock competitive rates, lower fees, and personalized service tailored just for you.

PurchaseRefinanceData Analysis

Filters

Loan Type
Lender
Loan Type
Rate
APR
Term
Link
Info
penfed
Conv
6.25 %
6.434 %
30 Yrs
∞
safecu
Conv
6.63 %
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 Irvine, CA

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

🏘️ All the Lenders Available in Orange County, CA

✅RANCHO FEDERAL CREDIT UNION
✅WESCOM CENTRAL CREDIT UNION
✅AMERICAN FIRST CREDIT UNION
✅CALIFORNIA AGRIBUSINESS CREDIT UNION
✅SCHOOLSFIRST FEDERAL CREDIT UNION
✅SOUTHLAND 68415 CREDIT UNION
✅SEA AIR FEDERAL CREDIT UNION
✅CREDIT UNION OF SOUTHERN CALIFORNIA CREDIT UNION
✅NUVISION FEDERAL CREDIT UNION
✅FINANCIAL PARTNERS 68457 CREDIT UNION
✅EAGLE COMMUNITY CREDIT UNION
✅FIREFIGHTERS FIRST FEDERAL CREDIT UNION
✅ORANGE COUNTYS CREDIT UNION
✅UNIFY FINANCIAL FEDERAL CREDIT UNION
✅SAN DIEGO COUNTY CREDIT UNION
✅CERTIFIED FEDERAL CREDIT UNION
✅HUNTINGTON BEACH CREDIT UNION
✅CAPSTONE FEDERAL CREDIT UNION
✅KINECTA FEDERAL CREDIT UNION
✅COMUNIDAD LATINA FEDERAL CREDIT UNION
✅SANTA ANA FEDERAL CREDIT UNION
✅NAVY FEDERAL CREDIT UNION FEDERAL CREDIT UNION
✅BAXTER CREDIT UNION
✅CALIFORNIA CREDIT UNION
✅LBS FINANCIAL CREDIT UNION
✅FOUNTAIN VALLEY CREDIT UNION
✅PARTNERS FEDERAL CREDIT UNION
✅CREDIT UNION OF NEW JERSEY A CREDIT UNION
✅DIRECT FEDERAL CREDIT UNION
✅HANIN FEDERAL CREDIT UNION
✅TRUGROCER FEDERAL CREDIT UNION
✅ADELFI CREDIT UNION
✅POLAM 19739 CREDIT UNION
✅UNION YES FEDERAL CREDIT UNION
✅OPERATING ENGINEERS LOCAL UNION 3 CREDIT UNION

Compare other loan types in Irvine, CA

Why compare Mortgage Loans in Irvine, CA on LendMesh

If you’re exploring credit union home loan rates in Irvine, CA, remember it pays to shop around. LendMesh makes it easy to compare offers from multiple lenders, helping you uncover better deals and more affordable options tailored to your needs. Take your time reviewing rates and terms to find the loan that fits your financial goals best.

Stay informed by subscribing to LendMesh’s alerts—simply set your target rate, and we’ll notify you as soon as offers fall below that threshold. Whether you prefer weekly or monthly updates, you’ll receive expert insights, rate trends, and curated loan options right in your inbox. Join thousands of Irvine homebuyers who trust LendMesh to keep them ahead of the market.

Customers are also interested in:

Credit Union Home Loan Rates