Mortgage Loans in San Francisco, CA

Looking for the best mortgage rates in San Francisco, CA? Compare offers from trusted lenders to find a loan that fits your budget and helps you unlock your dream home in this vibrant city.

With local expertise and personalized options, you’ll navigate San Francisco’s unique housing market with confidence. Start comparing today and take the first step toward owning your perfect Bay Area home.

PurchaseRefinanceData Analysis

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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

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🏘️ 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

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