Mortgage Loans in Modesto, CA

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:

Affinity Plus offers a 15-year Conventional fixed rate at 6.125% and a 30-year Conventional fixed and refinance rate at 6.75%. The VA 30-year fixed rate is 7.25%. Adjustable rates include 5-year ARMs at 5.25% and 7-year ARMs at 5.5%, all unchanged from recent weeks. Navy Federal Credit Union offers a 15-year conventional fixed rate at 5.625% and a 30-year conventional fixed rate at 6.25%, both unchanged from a week ago. The 15-year conventional refinance is 5.625%, up 25 bp from two weeks ago, while the 30-year conventional refinance is 6.25%, up 50 bp over the same period. The 30-year VA fixed rate is 5.75%, steady from last week but down 13 bp from a month ago. The 30-year jumbo fixed rate is 6.5%, unchanged from last week. The 3-year ARM is 5.375%, and the 5-year ARM is 5.625%, both steady from last week.

America First shows a 15-year conventional fixed rate today at 5.875%, up 13 bp from last week. Their 30-year conventional fixed and 30-year conventional refinance rates are both 6.5%, unchanged from a week ago but up 13 bp from two weeks ago. FHA 30-year fixed is at 6.0%, down 13 bp from last week. VA 30-year fixed stands at 6.125%, also down 13 bp from last week. Schoolsfirst offers a 15-year Conventional Fixed rate today at 5.625% and a 30-year Conventional Fixed rate at 6.375%. The Jumbo 30-year Fixed rate is also 6.375%, down 13 bp from 30 days ago. FHA 30-year Fixed matches the 30-year Conventional Fixed at 6.375%.

Dupaco Community offers a 15-year conventional fixed rate at 6.0% and a 30-year conventional fixed rate at 6.375%, both unchanged from a week ago but up 13 bp from two weeks prior. The same rates apply for 15-year and 30-year conventional refinances. The Golden 1 offers a 15-year Conventional Fixed at 5.5% and a 30-year Conventional Fixed at 6.25%, both unchanged from last week. Their 30-year FHA Fixed is 6.125%, up 13 bp from seven days ago. Adjustable rates include a 5-year ARM at 5.75%, up 25 bp, a 7-year ARM at 5.875%, up 38 bp, and a 10-year ARM at 6.0%, up 25 bp.

Patelco offers a 15-year conventional fixed rate at 6.0% and a 30-year conventional fixed rate at 6.625%, both unchanged from last week but down 13 bp from a month ago. Their 15-year conventional refinance rate is 6.0%, up 13 bp from two weeks ago but down 13 bp over 30 days. The 30-year conventional refinance rate is 6.625%, with the same recent changes as the 15-year refinance. Jumbo 30-year fixed loans are at 6.875%, steady over the past month. Adjustable 5-year ARMs are at 5.5%, down 38 bp from 30 days ago.

Digital shows a 15-year conventional fixed rate today at 6.125%, unchanged from last week but up 25 bp from a month ago. The 30-year conventional fixed rate is 6.875%, down 13 bp from last week but up 38 bp from a month ago. The 30-year conventional refinance rate is also 6.875%, down 25 bp from last week and up 38 bp from a month ago.

First Entertainment offers a 15-year Conventional Fixed at 6.125% and a 30-year Conventional Fixed at 6.625%. The 15-year Conventional Fixed rose 13 bp from last week. The 30-year Conventional Fixed also increased by 13 bp over the same period. For 30-year Conventional Refinanced loans, the rate holds steady at 6.5%. The 15-year Conventional Refinanced rate matches the fixed at 6.125%, up 13 bp from last week. Adjustable rates include a 3-year ARM at 5.875%, down 13 bp from a month ago, and a 5-year ARM at 6.0%, also down 13 bp over 30 days. Logix offers a 15-year Conventional Fixed rate at 5.75% and a 30-year Conventional Fixed rate at 6.375% as of August 28, 2026.