Mortgage Loans in Santa Rosa, CA

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:

Sierra Central offers a 30-year Conventional fixed rate at 6.0% today, down 50 bp from a week ago and 13 bp lower than 30 days prior. The 30-year VA fixed rate is 6.625%, up 13 bp from both a week and 30 days ago. Their 30-year Jumbo fixed rate is 6.875%, down 13 bp from a week ago and 13 bp lower than 15 days ago. The 15-year Conventional fixed rate is 6.0%, unchanged from a week ago. 1St United offers a 15-year fixed conventional loan at 6.125% and a 30-year fixed conventional loan at 6.625%, both unchanged from a week ago but up 13 bp from a month ago. Their 30-year jumbo fixed rate is 6.75%, also up 13 bp from 30 days prior. The 7-year adjustable rate fixed stands at 6.0% with no recent changes.

Citizens Equity First offers a 15-year conventional fixed rate at 6.125%, up from 6.0% a week ago, and a 30-year conventional fixed rate steady at 6.625%. Their 5-year adjustable rate is 5.875%, unchanged from last week but up 13 bp over the past month. The 7-year ARM is 6.0%, steady weekly but up 13 bp monthly, and the 10-year ARM is 6.125%, also steady weekly with a 13 bp monthly increase. The jumbo 30-year fixed rate remains at 6.625%. Hanscom offers a 15-year conventional fixed rate at 6.125%, unchanged from a week ago but up 13 bp from two weeks prior. The 30-year conventional fixed rate is 6.75%, steady over the past week with a 13 bp increase from two weeks ago. The 30-year VA fixed rate stands at 6.5%, stable over seven days and up 13 bp from two weeks ago.

Patelco offers 15-year and 30-year Conventional Fixed loans at 6.0% and 6.625% today, both down 13 bp from a month ago. Their 15-year and 30-year Conventional Refi rates match those fixed rates. Jumbo 30-year Fixed loans remain steady at 6.875%. Adjustable 5-year ARM rates are at 5.5%, down 38 bp from a month ago, while 7-year and 10-year ARMs hold steady at 5.5% and 5.875%. Digital offers a 15-year conventional fixed rate at 6.125% and a 30-year conventional fixed rate at 6.875% today. The 30-year conventional fixed rate rose by 13 bp over the past week and 50 bp over the past 30 days. The 15-year conventional fixed rate remains steady compared to last week but is up 25 bp from 30 days ago. The 30-year conventional fixed jumbo rate is 7.0% today, up 13 bp from last week and 50 bp from 30 days ago.

Ventura County offers a 15-year conventional fixed rate at 6.0% and a 30-year conventional fixed rate at 6.625%, unchanged from a week ago but up 13 bp from a month ago. The VA 30-year fixed rate is steady at 6.625%. An adjustable 5-year ARM is available at 5.75%, holding steady. First Technology offers a 15-year Conventional Fixed at 6.125% and a 30-year Conventional Fixed at 7.0%, up 13 bp from a week ago. Their 30-year Jumbo Fixed is 6.875%, rising 13 bp in the last week and 38 bp over 30 days. Adjustable rates include 5.875% for 5- and 7-year ARMs, steady this week but up 13 bp over 30 days, and a 10-year ARM at 6.75%, down 13 bp from two weeks ago but up 13 bp over 30 days.

Logix offers a 30-year Conventional Fixed rate at 6.125% and a 15-year Conventional ARM at 5.75%. Their 30-year Conventional ARM is at 6.375%, and the 30-year Jumbo Fixed rate is also 6.125%. For ARMs, the 3-year is 4.625% and the 5-year is 4.75%, all as of August 27, 2026. First Entertainment shows a 15-year conventional fixed rate today at 6.125%, up 13 bp from last week. The 30-year conventional fixed rate is 6.625%, also up 13 bp over seven days. For 15-year conventional refinance, the rate is steady at 6.0%, while the 30-year conventional refinance rate holds at 6.5%. The 30-year jumbo fixed rate is 6.625%, up 13 bp from last week. The 3-year ARM is 5.875%, unchanged.