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    Home state: California
    Lends in 2 states

    EXCITE mortgage rates

    EXCITE's lowest publicly advertised 30-year fixed rate today is 7.055% APR — the national average is 7.147%. That's about $8,933 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 EXCITE's rates every weekday, starting around 11 a.m. Central.

    We last read EXCITE's rates page on Nov 2, 2026.

    Today's rates from EXCITE

    ProductRateAPRPointsWe readSource
    30 Year Fixed7%7.055%0Nov 2, 2026Visit
    20 Year Fixed7%7.072%0Nov 2, 2026Visit
    15 Year Fixed7%7.09%0Nov 2, 2026Visit
    3 Year ARM6.625%6.913%0Nov 2, 2026Visit
    5 Year ARM6.625%6.937%0Nov 2, 2026Visit
    7 Year ARM6.625%6.938%0Nov 2, 2026Visit
    30 Year Fixed Super Conforming7.125%7.172%0Nov 2, 2026Visit
    15 Year Fixed Super Conforming7.125%7.201%0Nov 2, 2026Visit
    5 Year ARM Jumbo6.625%7.002%0Nov 2, 2026Visit
    7 Year ARM Jumbo6.625%6.996%0Nov 2, 2026Visit
    20 Year Fixed Super Conforming7.125%7.187%0Nov 2, 2026Visit
    3 Year ARM Jumbo6.625%6.996%0Nov 2, 2026Visit
    3 Year ARM Super Conforming6.625%6.904%0Nov 2, 2026Visit
    5 Year ARM Super Conforming6.625%6.928%0Nov 2, 2026Visit
    7 Year ARM Super Conforming6.625%6.93%0Nov 2, 2026Visit
    Visit EXCITE's rates page

    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 EXCITE

    You can join Excite Credit Union if you live, work, worship, or attend school in several counties in California (Santa Clara, San Mateo, Alameda, Santa Cruz, Monterey, San Francisco) or North Carolina (Brunswick, New Hanover, Pender). Eligibility is also extended to employees of partner businesses and family or roommates of current members.

    County
    Santa Clara County, CA, San Mateo County, CA, Alameda County, CA, Santa Cruz County, CA, Monterey County, CA, San Francisco County, CA, Brunswick County, NC, New Hanover County, NC, Pender County, NC

    Where EXCITE writes mortgages

    EXCITE publishes mortgage lending in 2 states.

    CaliforniaNorth Carolina

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

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