Mortgage Loans in Rancho Cucamonga, CA

Looking for the best home loan mortgage rates in Rancho Cucamonga, CA? Compare offers from trusted local lenders to find competitive rates and flexible terms that fit your budget. Whether you’re buying your first home or refinancing, we make it easy to explore your options.

Today’s Mortgage Rates & Analysis - Updated on 2025-OCT-10

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 a month ago. Their 3-year ARM is steady at 4.375%, the 5-year ARM at 4.5%, and the 7-year ARM at 4.75%, all unchanged recently. The 30-year fixed rate was 5.625% a month ago, so it has risen slightly to today’s 5.75%. Baxter offers a 15-year Conventional Fixed at 5.125%, down 13 bp from a week ago, and a 30-year Conventional Fixed at 6.0%. Their 15-year Adjustable Conventional is at 4.75%, unchanged from last week but down 13 bp over the past month. The Jumbo 30-year Fixed is steady at 5.875%, up 25 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.

Nuvision offers a 15-year Conventional Fixed at 5.0% and a 30-year Conventional Fixed at 5.875%, unchanged from a week ago but down 13 bp from a month ago. Their 30-year FHA Fixed and VA Fixed loans are both at 5.5%, also down 13 bp from 30 days prior. The 30-year Jumbo Fixed is slightly higher today at 5.875%, up 13 bp from last week. For Adjustable-Rate Conventional loans, the 5-year is at 4.875%, up 13 bp from a week ago, while the 7-year is steady at 4.875%, down 13 bp from 30 days ago. 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 5.5%. Jumbo 30-year fixed loans are also at 6.0%, down 13 bp over the past month. Adjustable 5-year ARMs hold steady at 4.875%.

Digital shows a 15-year Conventional Fixed rate today at 5.375%, up 13 bp from last week and 25 bp from a month ago. The 30-year Conventional Fixed and 30-year Conventional Refinance rates hold steady at 6.0%, with the refinance rate down 13 bp from two weeks ago. The 15-year Conventional Refinance rate matches the purchase rate at 5.375%, also up 13 bp from last week and 25 bp from a month ago. Delta Community offers a 15-year conventional fixed rate at 5.0%, unchanged from last week but down 25 bp from a month ago. Their 30-year conventional fixed rate is 5.5%, steady over the past week and 13 bp lower than 30 days ago. The 15-year and 30-year conventional refinance rates match the purchase rates at 5.0% and 5.5%, respectively. Jumbo 30-year fixed loans are priced at 5.625%, down 25 bp from a month ago.

Altura shows a 15-year Conventional Fixed rate today at 5.125%, down 13 bp from a week ago but up 13 bp from a month ago. The 30-year Conventional Fixed rate holds steady at 5.875%. The 30-year Jumbo Fixed rate is 5.875%, down 13 bp from a week ago. The 5-year ARM is at 5.875%, up 13 bp from a month ago, while the 7-year ARM is 5.875%, down 13 bp from a week ago and 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.

California Coast offers a 15-year conventional fixed rate today at 5.625%, up 13 bp from last week and 25 bp higher than a month ago. The 30-year conventional fixed rate is 6.375%, also up 25 bp over both the past week and month. Jumbo 30-year fixed loans match the conventional 30-year fixed rate at 6.375%, with the same 25 bp increases. The 5-year adjustable rate is 5.5%, down 100 bp from a month ago, and the 7-year adjustable rate is 6.0%, down 88 bp over the same period.

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 Rancho Cucamonga, CA

Lender NameBranch AddressOffice ServicesLender Snapshot
CHAFFEY FEDERAL CREDIT UNION
11563 FOOTHILL BLVD STE 101 RANCHO CUCAMONGA CA 91730
ATM
P2P
E-Statements
E-Signature
Assets: $230,949,231
Deposits: $9,408,541
Net Worth: $18,056,032
Employees: 44
Members: 12,008
SCHOOLSFIRST FEDERAL CREDIT UNION
10910 FOOTHILL BLVD RANCHO CUCAMONGA CA 91730
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
ARROWHEAD FEDERAL CREDIT UNION
8686 HAVEN AVE RANCHO CUCAMONGA CA 91730
ATM
P2P
E-Statements
E-Signature
Assets: $2,591,940,297
Deposits: $479,435,348
Net Worth: $294,490,140
Employees: 511.0
Members: 220,694
ARROWHEAD FEDERAL CREDIT UNION
8686 HAVEN AVE RANCHO CUCAMONGA CA 91730
ATM
P2P
E-Statements
E-Signature
Assets: $2,591,940,297
Deposits: $479,435,348
Net Worth: $294,490,140
Employees: 511.0
Members: 220,694
CAHP CREDIT UNION
9471 PITTSBURGH AVE RANCHO CUCAMONGA CA 91730
ATM
P2P
E-Statements
E-Signature
Assets: $343,155,450
Deposits: $18,952,798
Net Worth: $30,648,263
Employees: 34
Members: 21,952

🏘️ All the Lenders Available in San Bernardino County, CA

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