Home state: California

    SAN FRANCISCO mortgage rates

    SAN FRANCISCO's lowest publicly advertised 30-year fixed rate today is 7% — the national average is 6.805%. We track SAN FRANCISCO daily and refresh rates every morning.

    Rates as of Jan 1, 2026

    Today's rates from SAN FRANCISCO

    ProductRateAPRPointsAs ofSource
    30 Year Fixed7%7.08%0Sep 8, 2026Visit
    15 Year Fixed6.125%6.285%0Sep 8, 2026Visit
    5 Year ARM5.875%6.471%0Sep 8, 2026Visit
    7 Year ARM6%6.429%0Sep 8, 2026Visit
    10 Year ARM6.125%6.406%0Sep 8, 2026Visit
    30 Year Fixed Jumbo6.74%6.817%0Sep 8, 2026Visit
    15 Year Fixed Jumbo6.5%6.667%0Sep 8, 2026Visit
    5 Year ARM Jumbo5.625%6.372%0Sep 8, 2026Visit
    7 Year ARM Jumbo5.75%6.3%0Sep 8, 2026Visit
    10 Year ARM Jumbo5.875%6.241%0Sep 8, 2026Visit

    Rate history

    Lowest daily rate SAN FRANCISCO advertised for each product, past 90 days.

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

    Who can join SAN FRANCISCO

    Membership is generally open to individuals who live, work, worship, or attend school in San Francisco, California, as well as their immediate family members.

    City
    San Francisco, CA

    Where SAN FRANCISCO writes mortgages

    Lending states not published; shown as serving its chartered area. Confirm directly with SAN FRANCISCO.

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

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