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    DESERT FINANCIAL mortgage rates

    DESERT FINANCIAL's lowest publicly advertised 30-year fixed rate today is 6.625% — the national average is 6.88%. That's about $24,411 saved over the life of a $400,000, 30-year loan. We track DESERT FINANCIAL daily and refresh rates every morning.

    Rates as of Sep 10, 2026

    Today's rates from DESERT FINANCIAL

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.625%6.837%1.125Sep 11, 2026Visit
    15 Year Fixed6.125%6.483%1.25Sep 11, 2026Visit
    5 Year ARM6.25%6.695%1.25Sep 11, 2026Visit
    7 Year ARM6.5%6.783%1.25Sep 11, 2026Visit
    FHA 30 Year Fixed6.375%7.273%0.75Sep 11, 2026Visit
    30 Year Fixed Jumbo6.625%6.827%1.125Sep 11, 2026Visit
    15 Year Fixed Jumbo6.125%6.467%1.25Sep 11, 2026Visit
    5 Year ARM Jumbo6.25%6.684%1.25Sep 11, 2026Visit
    7 Year ARM Jumbo6.5%6.772%1.25Sep 11, 2026Visit
    15 Year Fixed Jumbo Refinance6.25%6.486%1Sep 11, 2026Visit
    15 Year Fixed Refinance6.125%6.459%1.25Sep 11, 2026Visit
    30 Year Fixed Jumbo Refinance6.75%6.924%1.25Sep 11, 2026Visit
    30 Year Fixed Refinance6.625%6.821%1.125Sep 11, 2026Visit
    5 Year ARM Jumbo Refinance6.25%6.643%1.25Sep 11, 2026Visit
    5 Year ARM Refinance6.25%6.679%1.25Sep 11, 2026Visit
    7 Year ARM Jumbo Refinance6.5%6.73%1.25Sep 11, 2026Visit
    7 Year ARM Refinance6.5%6.767%1.25Sep 11, 2026Visit
    FHA 30 Year Fixed Refinance6.375%7.257%0.75Sep 11, 2026Visit
    Visit DESERT FINANCIAL's rates page

    Rate history

    Lowest daily rate DESERT FINANCIAL advertised for each product, past 90 days.

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

    Who can join DESERT FINANCIAL

    Membership is open to anyone who lives, works, or worships in any Arizona county except Pima County. Immediate family members of current Desert Financial members are also eligible to join.

    Where DESERT FINANCIAL writes mortgages

    Lending states not published; shown as serving its chartered area. Confirm directly with DESERT FINANCIAL.

    Arizona

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

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