Mortgage Loans in San Mateo, CA

Looking to refinance your home in San Mateo, CA? Compare top mortgage rates from trusted local lenders to find the best deal that fits your needs. Whether you want lower monthly payments or shorter loan terms, we make it easy to explore your options.

Our friendly experts understand the San Mateo market and are here to guide you every step of the way. Start comparing offers today to save big and enjoy a smoother refinance process 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%. This rate has stayed the same compared to 1, 7, 30, 60, and 90 days ago. When the Fed Funds rate is steady, it can help keep mortgage rates stable since banks use this rate to set loan costs.

Credit Union Loan Rates - Trends & Analysis:

Pentagon offers 30-year Conventional Fixed and 30-year VA Fixed loans at 6.25% today. The 30-year FHA Fixed and VA Fixed loans are both at 5.75%. Rates have held steady over the past week and month. 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 6.411%, and Freddie Mac’s 30-year rate is 6.660%, with Zillow lower than Freddie Mac. Zillow’s 15-year rate is 6.109%, down from 7 days ago. These rates reflect the cost borrowers pay to finance homes, influencing how many people can afford to buy or refinance.

🏦 Local Lenders in San Mateo, CA

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

🏘️ All the Lenders Available in San Mateo County, CA

✅PROVIDENT 66343 CREDIT UNION
✅OPERATING ENGINEERS LOCAL UNION 3 CREDIT UNION
✅SAN FRANCISCO FEDERAL CREDIT UNION
✅UPWARD CREDIT UNION
✅EAST COUNTY SCHOOLS FEDERAL CREDIT UNION
✅SRI FEDERAL CREDIT UNION
✅MONTERRA CREDIT UNION
✅PATELCO CREDIT UNION
✅UNIFY FINANCIAL FEDERAL CREDIT UNION
✅THE POLICE CREDIT UNION
✅FINANCIAL PARTNERS 68457 CREDIT UNION
✅STANFORD FEDERAL CREDIT UNION
✅POLAM 21502 CREDIT UNION
✅PREMIER ONE CREDIT UNION
✅AMERICAN AIRLINES FEDERAL CREDIT UNION
✅SAN MATEO CITY EMPLOYEES FEDERAL CREDIT UNION

Compare other loan types in San Mateo, CA

Why compare Mortgage Loans in San Mateo, CA on LendMesh

If you’re exploring the top refinance rates in San Mateo, CA, keep using LendMesh to compare offers from a variety of lenders. Taking the time to review multiple options can help you uncover better deals and more affordable rates tailored to your needs. Our platform makes it easy to navigate the market without pressure, so you can make confident choices at your own pace.

Consider subscribing to LendMesh for personalized rate alerts that match your target—whether it’s 5%, 4%, or another goal. You’ll get timely notifications as soon as rates dip below your set threshold, plus weekly or monthly updates packed with expert insights, market trends, and specially curated loan offers. Join many smart borrowers in San Mateo who trust LendMesh to stay informed and seize the best refinance opportunities.

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