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    DESERT VALLEYS mortgage rates

    DESERT VALLEYS's lowest publicly advertised 30-year fixed rate today is 6.179% APR — the national average is 7.147%. That's about $92,300 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read DESERT VALLEYS's rates every weekday, starting around 11 a.m. Central.

    We last read DESERT VALLEYS's rates page on Nov 2, 2026. DESERT VALLEYS dates its published rate sheet Oct 26, 2026.

    Today's rates from DESERT VALLEYS

    ProductRateAPRPointsWe readSource
    30 Year Fixed5.999%6.179%—Nov 2, 2026
    Lender's sheet dated Oct 26, 2026
    Visit
    5 Year ARM5.375%5.52%—Nov 2, 2026
    Lender's sheet dated Oct 26, 2026
    Visit

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

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

    Who can join DESERT VALLEYS

    Membership is open to anyone who lives, works, worships, or attends school in the California communities of Ridgecrest, Bishop, Trona, or Barstow, and their surrounding areas.

    City
    Ridgecrest, CA, Bishop, CA, Trona, CA, Barstow, CA

    Where DESERT VALLEYS writes mortgages

    DESERT VALLEYS publishes mortgage lending in 1 state.

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

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