Mortgage Loans in San Francisco, CA

Looking for the best mortgage rates in San Francisco? Compare local lenders’ offers to find competitive rates tailored to the Bay Area market. Whether you’re buying your first home or refinancing, get clear options that fit your budget and goals.

San Francisco’s unique housing market calls for personalized support and fast approvals. Explore multiple loan options side-by-side and discover flexible terms designed to help you secure your dream home with confidence. Start your mortgage journey today with trusted local lenders.

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 San Francisco, CA

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

🏘️ All the Lenders Available in San Francisco County, CA

✅PASADENA FEDERAL CREDIT UNION
✅THE POLICE CREDIT UNION
✅SAN FRANCISCO LEE FEDERAL CREDIT UNION
✅NORTHEAST COMMUNITY 23780 CREDIT UNION
✅PROVIDENT 66343 CREDIT UNION
✅SELFHELP CREDIT UNION
✅PATELCO CREDIT UNION
✅DELANCEY STREET FEDERAL CREDIT UNION
✅SAN FRANCISCO FEDERAL CREDIT UNION
✅REDWOOD CREDIT UNION
✅SAN FRANCISCO FIRE CREDIT UNION
✅ILWU CREDIT UNION
✅PACIFIC POSTAL CREDIT UNION
✅POLAM 21502 CREDIT UNION
✅JONES METHODIST CHURCH CREDIT UNION
✅THE GOLDEN 1 CREDIT UNION

Compare other loan types in San Francisco, CA

Why compare Mortgage Loans in San Francisco, CA on LendMesh

If you’re exploring interest rates for home mortgage loans in San Francisco, CA, taking time to compare multiple lenders can reveal better deals and more affordable options tailored to your needs. LendMesh makes this process simple and transparent, helping you weigh competitive offers side by side so you can make confident decisions without pressure.

Stay informed effortlessly by subscribing to LendMesh’s personalized alerts. Just set your target rate—say 5% or 4%—and receive notifications as soon as mortgage offers dip below your goal. With weekly or monthly updates packed with expert insights and curated loan deals, San Francisco homebuyers can stay ahead and seize the best opportunities on their journey to homeownership.

Customers are also interested in:

Interest Rates For Home Mortgage Loans