Home state: California

    1ST UNITED mortgage rates

    1ST UNITED's lowest publicly advertised 30-year fixed rate today is 6.75% — the national average is 6.88%. That's about $12,477 saved over the life of a $400,000, 30-year loan. We track 1ST UNITED daily and refresh rates every morning.

    Rates as of Sep 8, 2026

    Today's rates from 1ST UNITED

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.75%6.799%Sep 8, 2026Visit
    15 Year Fixed6.25%6.326%Sep 8, 2026Visit
    7 Year ARM6.125%6.27%Sep 8, 2026Visit
    30 Year Fixed Jumbo6.875%6.914%Sep 8, 2026Visit
    15 Year Fixed Jumbo6.5%6.559%Sep 8, 2026Visit
    30 Year Fixed Super Conforming6.875%6.918%Sep 8, 2026Visit
    15 Year Fixed Super Conforming6.5%6.566%Sep 8, 2026Visit
    7 Year ARM Jumbo6.25%6.36%Sep 8, 2026Visit
    7 Year ARM Super Conforming6.25%6.375%Sep 8, 2026Visit

    Rate history

    Lowest daily rate 1ST UNITED advertised for each product, past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join 1ST UNITED

    Membership is available to anyone who lives, works, or attends school in the California counties of Alameda, Contra Costa, San Joaquin, Solano, Stanislaus, or Kings. Immediate family members of current primary members and employees of participating companies are also eligible to join.

    County
    Alameda County, CA, Contra Costa County, CA, San Joaquin County, CA, Solano County, CA, Stanislaus County, CA, Kings County, CA

    Where 1ST UNITED writes mortgages

    Lending states not published; shown as serving its chartered area. Confirm directly with 1ST UNITED.

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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