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    ORANGE COUNTY'S mortgage rates

    ORANGE COUNTY'S'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 ORANGE COUNTY'S daily and refresh rates every morning.

    Rates as of Sep 11, 2026

    Today's rates from ORANGE COUNTY'S

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.75%6.956%0.75Sep 11, 2026Visit
    15 Year Fixed6.125%6.361%1Sep 11, 2026Visit
    5 Year ARM5.75%6.769%1Sep 11, 2026Visit
    7 Year ARM6.25%6.864%0.625Sep 11, 2026Visit
    10 Year ARM6.25%6.806%1Sep 11, 2026Visit
    10 Year ARM Refinance6.25%6.806%1Sep 11, 2026Visit
    15 Year Fixed Refinance6.125%6.361%1Sep 11, 2026Visit
    30 Year Fixed Refinance6.75%6.956%0.75Sep 11, 2026Visit
    5 Year ARM Refinance5.75%6.769%1Sep 11, 2026Visit
    7 Year ARM Refinance6.25%6.864%0.625Sep 11, 2026Visit
    Visit ORANGE COUNTY'S's rates page

    Rate history

    Lowest daily rate ORANGE COUNTY'S advertised for each product, past 90 days.

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

    Who can join ORANGE COUNTY'S

    Orange County’s Credit Union is open to anyone in the United States through a free membership in the Community Impact Fund or the American Consumer Council. It also serves those who live or work in Los Angeles, Orange, Riverside, and San Bernardino counties, as well as employees of select groups like the County of Orange and Cottage Health.

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
    Employer
    County of Orange, Cottage Health, Cottage Clinical Associates, Cottage Clinical Network, Cottage Medical Group, Goleta Valley Cottage Hospital, Pacific Diagnostics Laboratories, Santa Barbara Cottage Health Hospital, Santa Ynez Valley Cottage Hospital
    Association / SEG
    American Consumer Council, Community Impact Fund
    County
    Los Angeles County, CA, San Bernardino County, CA, Orange County, CA, Riverside County, CA
    City
    Long Beach, CA, Signal Hill, CA, Lakewood, CA, Cerritos, CA

    Where ORANGE COUNTY'S writes mortgages

    ORANGE COUNTY'S publishes mortgage lending in 1 state.

    California

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

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