Mortgage Loans in Monterey, CA

Looking to refinance your mortgage in Monterey, CA? Compare the best loan offers tailored to your needs and discover rates that could save you money. It’s easy to find flexible terms and trusted local lenders who understand the Monterey market.

Refinancing doesn’t have to be complicated. With personalized support and clear options, you can make confident decisions that fit your budget. Start comparing today and take the first step toward smarter mortgage savings in Monterey.

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 Monterey, CA

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

🏘️ All the Lenders Available in Monterey County, CA

✅THE GOLDEN 1 CREDIT UNION
✅WESCOM CENTRAL CREDIT UNION
✅NAVY FEDERAL CREDIT UNION FEDERAL CREDIT UNION
✅BAY FEDERAL CREDIT UNION
✅PENTAGON FEDERAL CREDIT UNION
✅MONTEREY CREDIT UNION
✅CORRECTIONS FEDERAL CREDIT UNION

Compare other loan types in Monterey, CA

Why compare Mortgage Loans in Monterey, CA on LendMesh

If you’re searching for the best loan refinance rates in Monterey, CA, it’s worth exploring multiple lenders to find the most competitive offers. LendMesh makes it easy to compare a variety of options side by side, helping you uncover deals that fit your financial goals without pressure. Take your time and use the platform to see what different lenders provide, so you can make a confident, informed choice.

Consider subscribing to LendMesh alerts to stay updated on the latest loan offers tailored to your target rates. Simply set your ideal rate—whether it’s 4% or 5%—and receive timely notifications when new deals fall below your threshold. Along with expert insights and rate trends, you’ll get weekly or monthly updates, helping Monterey borrowers like you stay ahead and never miss a great refinancing opportunity.

Customers are also interested in:

Best Loan Refinance Rates