Mortgage Loans in Modesto, CA

Searching for the best mortgage loan in Modesto, CA? Compare offers from trusted local lenders who understand your community and can help you find competitive rates tailored to your needs.

Whether you’re buying your first home or refinancing, exploring your options in Modesto ensures faster approvals and personalized support. Start comparing today to make your home financing simple and stress-free.

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 Modesto, CA

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

🏘️ All the Lenders Available in Stanislaus County, CA

✅VALLEY FIRST CREDIT UNION
✅SELFHELP CREDIT UNION
✅MOCSE FEDERAL CREDIT UNION
✅MODESTOS FIRST CREDIT UNION
✅CALIFORNIA COMMUNITY CREDIT UNION
✅ROLLING F CREDIT UNION
✅THE GOLDEN 1 CREDIT UNION
✅ORGANIZED LABOR CREDIT UNION

Compare other loan types in Modesto, CA

Why compare Mortgage Loans in Modesto, CA on LendMesh

If you’re searching for the best mortgage loan in Modesto, CA, exploring multiple lenders on LendMesh can help you uncover better deals and more affordable options tailored to your needs. Taking the time to compare offers ensures you find a mortgage that fits your financial goals without feeling rushed or pressured. Keep browsing to make confident, informed decisions on your home financing journey.

Consider subscribing to LendMesh for personalized alerts that match your target rate, whether it’s 5%, 4%, or another goal. You’ll receive timely notifications when rates dip below your set threshold, plus weekly or monthly updates packed with expert insights, market trends, and curated loan deals. Join thousands of Modesto borrowers who use LendMesh to stay informed and seize the best mortgage opportunities as they arise.

Customers are also interested in:

Best Mortgage Loan