Mortgage Loans in Valencia, CA

Looking for a residential mortgage in Valencia, CA? Comparing loan offers can help you find the best rates and terms to fit your budget and lifestyle. Whether you’re buying your first home or refinancing, exploring your options puts you in control.

Today’s Mortgage Rates & Analysis - Updated on 2025-OCT-11

Federal Funds Rate - Trends & Analysis:

Today’s Fed Funds Effective Rate is 4.25%. This is lower than 30 days ago when it was 4.50%. Changes in the Fed Funds rate influence mortgage rates because they affect the cost for banks to borrow money, which can impact loan interest rates for consumers.

Credit Union Loan Rates - Trends & Analysis:

Affinity offers a 15-year conventional fixed rate at 5.125% and a 30-year conventional fixed rate at 5.75%, both unchanged from a week ago but up 13 bp from 30 days prior. Their adjustable rates for 3-, 5-, and 7-year terms remain steady at 4.375%, 4.5%, and 4.75%, respectively. The 30-year fixed rate today is 5.75%, and the 15-year fixed is 5.125%. Nuvision offers a 15-year Conventional Fixed at 5.0% and a 30-year Conventional Fixed at 5.875%. Their 30-year FHA Fixed is today 5.5%, unchanged from a week ago. The 30-year VA Fixed is also 5.5%. Jumbo 30-year Fixed is 5.875%, up 13 bp from last week. Adjustable-rate 5-year and 7-year terms are at 4.75% and 4.875%, respectively.

Baxter offers a 15-year Conventional Fixed at 5.125% and a 30-year Conventional Fixed at 6.0%, with the 30-year rate up 13 bp from last week. They also have a 30-year Jumbo Fixed at 5.875%, which rose 25 bp over the past month. Additionally, the 5-year Adjustable sits at 4.75%, down 13 bp from a month ago. Navy Federal Credit Union offers a 15-year conventional fixed rate at 4.875% and a 30-year conventional fixed rate at 5.625%, both unchanged from a week ago. The 15-year conventional and 30-year conventional refinance rates match these fixed rates. The 30-year VA purchase rate is steady at 5.375%, while the 30-year jumbo purchase rate is 5.875%, down 13 bp from last week. FHA 3-year and 5-year ARMs are at 5.0% and 5.25%, respectively, with a slight 30-day drop of 13 bp.

Affinity Plus offers a 30-year Conventional fixed rate at 6.0% today, down 13 bp from 30 days ago. The 15-year Conventional fixed rate is steady at 5.5%. VA and Jumbo 30-year fixed loans are also at 6.0%, with the Jumbo rate down 13 bp from a month ago. Adjustable 5-year ARMs hold at 4.875%, and 7-year ARMs are at 5.125%. Digital shows a 15-year Conventional Fixed rate today at 5.375%, up 13 bp from a week ago and 25 bp higher than 30 days ago. The 30-year Conventional Fixed rate is steady at 6.0%. The 30-year Conventional ARM rate is 6.0%, down 13 bp from 15 days ago. The Jumbo 30-year Fixed rate remains at 6.0%.

California Coast offers a 15-year conventional fixed rate today at 5.5%, unchanged from a week ago but up 13 bp from 30 days prior. The 30-year conventional fixed rate is 6.125%, steady from a week ago. Jumbo 30-year fixed loans are also at 6.125%, with a 25 bp drop from 15 days ago. Adjustable 5-year fixed loans hold at 5.5%, down 100 bp from 30 days ago, and adjustable 7-year fixed loans are 6.0%, down 88 bp over the same period. Delta Community offers a 15-year conventional fixed rate at 5.0%, down 25 bp from a month ago, and a 30-year conventional fixed rate at 5.5%, down 13 bp over the same period. Their 30-year jumbo fixed rate is steady today at 5.625%, down 25 bp from 30 days ago. The 15-year conventional fixed rate has held steady over the past week.

Altura offers a 15-year Conventional Fixed at 5.125%, down 13 bp from last week, and a 30-year Conventional Fixed at 5.875%. The 30-year FHA Fixed stays steady at 6.625%. Jumbo 30-year Fixed is 5.875%, down 13 bp from last week. Adjustable 5-year and 7-year terms hold at 5.875% and 5.875%, with the 7-year up 13 bp from a month ago. Certified shows a 15-year fixed Conventional rate today at 5.125%, down 38 bp from 30 days ago. The 30-year fixed Conventional and Jumbo rates are both 5.875%, also down 38 bp over the past month. These rates have held steady compared to last week.

Market Indicators - Data & Insights:

Today, Zillow's 30-year mortgage rate is 6.332%, while Freddie Mac's 30-year rate is 6.300%, with Zillow slightly higher. Zillow's 30-year rate is a bit lower than it was 7 days ago. These rates reflect current borrowing costs, which can influence how many people decide to buy homes or refinance their mortgages.

🏦 All Local Lenders in Valencia, CA

Lender NameBranch AddressOffice ServicesLender Snapshot
VALLEY AGRICULTURAL FEDERAL CREDIT UNION
27770 ENTERTAINMENT DR VALENCIA CA 91355
P2P
E-Statements
Assets: $5,188,256
Deposits: $326,719
Net Worth: $501,958
Employees: 2
Members: 603
LOGIX FEDERAL CREDIT UNION
24003 NEWHALL RANCH RD VALENCIA CA 91355
ATM
P2P
E-Statements
E-Signature
Assets: $9,904,163,133
Deposits: $724,760,729
Net Worth: $1,372,004,138
Employees: 816
Members: 251,529
LOGIX FEDERAL CREDIT UNION
27918 FRANKLIN PKWY VALENCIA CA 91355
P2P
E-Statements
E-Signature
Assets: $9,904,163,133
Deposits: $724,760,729
Net Worth: $1,372,004,138
Employees: 816
Members: 251,529
POPA FEDERAL CREDIT UNION
27220 TURNBERRY LN STE 100 VALENCIA CA 91355
P2P
E-Statements
Assets: $377,691,475
Deposits: $31,539,838
Net Worth: $41,171,530
Employees: 54
Members: 20,196
SCHOOLSFIRST FEDERAL CREDIT UNION
27067 MCBEAN PKWY VALENCIA CA 91355
ATM
P2P
E-Statements
E-Signature
Assets: $31,084,507,740
Deposits: $3,063,823,932
Net Worth: $3,111,512,312
Employees: 2880
Members: 1,435,595
SUNKIST EMPLOYEES FEDERAL CREDIT UNION
27770 ENTERTAINMENT DR VALENCIA CA 91355
Assets: $4,352,498
Deposits: $585,028
Net Worth: $1,155,570
Employees: 2
Members: 540
CALIFORNIA CREDIT UNION
24343 MAGIC MOUNTAIN PKWY SANTA CLARITA CA 91355
P2P
E-Statements
Assets: $5,134,469,225
Deposits: $648,852,129
Net Worth: $467,195,510
Employees: 527
Members: 196,473
WESCOM CENTRAL CREDIT UNION
24165 MAGIC MOUNTAIN PKWY SANTA CLARITA CA 91355
ATM
P2P
E-Statements
E-Signature
Assets: $6,419,799,024
Deposits: $196,562,765
Net Worth: $507,057,796
Employees: 1000
Members: 250,042
FIRST ENTERTAINMENT CREDIT UNION
25828 MCBEAN PKWY SANTA CLARITA CA 91355
ATM
P2P
E-Statements
E-Signature
Assets: $2,134,877,798
Deposits: $62,572,663
Net Worth: $203,121,745
Employees: 234
Members: 87,389

🏘️ All the Lenders Available in Los Angeles County, CA

✅SELFHELP CREDIT UNION
✅LA HEALTHCARE CREDIT UNION
✅KINECTA FEDERAL CREDIT UNION
✅JUSTICE FEDERAL CREDIT UNION
✅CALIFORNIA CREDIT UNION
✅HANIN FEDERAL CREDIT UNION
✅FOX FEDERAL CREDIT UNION
✅UNIVERSITY 64171 CREDIT UNION
✅WESCOM CENTRAL CREDIT UNION
✅JACOM CREDIT UNION
✅SAGAFTRA CREDIT UNION
✅ACTORS FEDERAL CREDIT UNION
✅MARYKNOLL OF L A FEDERAL CREDIT UNION
✅LOS ANGELES FEDERAL CREDIT UNION
✅LOS ANGELES LEE FEDERAL CREDIT UNION
✅NORTHROP GRUMMAN FEDERAL CREDIT UNION
✅LOS ANGELES POLICE FEDERAL CREDIT UNION
✅SCHOOLS FEDERAL CREDIT UNION
✅SOUTHLAND 68415 CREDIT UNION
✅CREDIT UNION OF SOUTHERN CALIFORNIA CREDIT UNION
✅WATER AND POWER COMMUNITY CREDIT UNION
✅FIRST CITY CREDIT UNION
✅CERTIFIED FEDERAL CREDIT UNION
✅FIRST ENTERTAINMENT CREDIT UNION
✅TECHNICOLOR FEDERAL CREDIT UNION
✅EPISCOPAL COMMUNITY FEDERAL CREDIT UNION
✅L A ELECTRICAL WORKERS CREDIT UN CREDIT UNION
✅CAL STATE LA CREDIT UNION
✅AMERICAN BROADCAST EMPLOYEES FEDERAL CREDIT UNION
✅BAXTER CREDIT UNION
✅USC CREDIT UNION
✅RIZE FEDERAL CREDIT UNION
✅PRIORITY ONE CREDIT UNION
✅BEVERLY HILLS CITY EMPLOYEES FEDERAL CREDIT UNION
✅UNIFY FINANCIAL FEDERAL CREDIT UNION
✅AMERICAN AIRLINES FEDERAL CREDIT UNION
✅SCHOOLSFIRST FEDERAL CREDIT UNION
✅POLAM 19739 CREDIT UNION
✅PASADENA FEDERAL CREDIT UNION
✅MIDCITIES CREDIT UNION
✅VA DESERT PACIFIC FEDERAL CREDIT UNION
✅GLENDALE FEDERAL CREDIT UNION
✅ARROWHEAD FEDERAL CREDIT UNION
✅RANCHO FEDERAL CREDIT UNION
✅FINANCIAL PARTNERS 68457 CREDIT UNION
✅DOWNEY FEDERAL CREDIT UNION
✅CALCOM FEDERAL CREDIT UNION
✅SOUTH BAY CREDIT UNION
✅AEROSPACE FEDERAL CREDIT UNION
✅FEDEX EMPLOYEES CREDIT ASSOCIATION FEDERAL CREDIT UNION
✅CHEVRON FEDERAL CREDIT UNION
✅SKYONE FEDERAL CREDIT UNION
✅MATTEL FEDERAL CREDIT UNION
✅NAVY FEDERAL CREDIT UNION FEDERAL CREDIT UNION
✅NIKKEI CREDIT UNION
✅CALIFORNIA LITHUANIAN CREDIT UNION
✅TORRANCE COMMUNITY FEDERAL CREDIT UNION
✅PARISHIONERS FEDERAL CREDIT UNION
✅HONDA FEDERAL CREDIT UNION
✅FARMERS INSURANCE FEDERAL CREDIT UNION
✅F A CREDIT UNION
✅LBS FINANCIAL CREDIT UNION
✅LA FINANCIAL CREDIT UNION
✅THE FIRST FINANCIAL FEDERAL CREDIT UNION
✅NUVISION FEDERAL CREDIT UNION
✅CAMINO FEDERAL CREDIT UNION
✅ILWU CREDIT UNION
✅USB EMPLOYEES CREDIT UNION
✅BOPTI FEDERAL CREDIT UNION
✅POPA FEDERAL CREDIT UNION
✅LONG BEACH CITY EMPLOYEES FEDERAL CREDIT UNION
✅POSTCITY FINANCIAL CREDIT UNION
✅FOOTHILL FEDERAL CREDIT UNION
✅LONG BEACH FIREMEN S CREDIT UNION
✅ORANGE COUNTYS CREDIT UNION
✅OPERATING ENGINEERS LOCAL UNION 3 CREDIT UNION
✅CALTECH EMPLOYEES FEDERAL CREDIT UNION
✅FIREFIGHTERS FIRST FEDERAL CREDIT UNION
✅ECENTRAL CREDIT UNION
✅LOGIX FEDERAL CREDIT UNION
✅SKYLA FEDERAL CREDIT UNION
✅PARTNERS FEDERAL CREDIT UNION
✅GLENDALE AREA SCHOOLS CREDIT UNION
✅PREMIER AMERICA CREDIT UNION
✅MATADORS COMMUNITY CREDIT UNION
✅CALIFORNIA ADVENTIST FEDERAL CREDIT UNION
✅U S POSTAL SERVICE FEDERAL CREDIT UNION
✅L A MISSION CREDIT UNION
✅GAIN FEDERAL CREDIT UNION
✅COLUMBUS CLUB FEDERAL CREDIT UNION
✅OLIVE VIEW EMPLOYEES FEDERAL CREDIT UNION
✅VALLEY AGRICULTURAL FEDERAL CREDIT UNION
✅SUNKIST EMPLOYEES FEDERAL CREDIT UNION
✅TOGETHER CREDIT UNION
✅UNIVERSAL CITY STUDIOS CREDIT UNION
✅CLEARPATH FEDERAL CREDIT UNION
✅UME FEDERAL CREDIT UNION
✅MEDIA CITY CREDIT UNION
✅UNITED CATHOLICS FEDERAL CREDIT UNION
✅EAGLE COMMUNITY CREDIT UNION
✅EL MONTE COMMUNITY CREDIT UNION
✅AMERICAS CHRISTIAN CREDIT UNION
✅CHRISTIAN COMMUNITY CREDIT UNION
✅CHAFFEY FEDERAL CREDIT UNION
✅EDWARDS FEDERAL CREDIT UNION

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