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    SESLOC mortgage rates

    SESLOC's lowest publicly advertised 30-year fixed rate today is 6.875% — the national average is 6.88%. That's about $481 saved over the life of a $400,000, 30-year loan. We track SESLOC daily and refresh rates every morning.

    Today's rates from SESLOC

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.875%6.928%0.25Sep 11, 2026Visit
    20 Year Fixed6.875%6.929%0.125Sep 11, 2026Visit
    15 Year Fixed6.25%6.355%0.375Sep 11, 2026Visit
    10 Year Fixed6.25%6.37%0.25Sep 11, 2026Visit
    5 Year ARM6.375%6.415%0.125Sep 11, 2026Visit
    7 Year ARM6.5%6.48%0.125Sep 11, 2026Visit
    FHA 30 Year Fixed6.25%7.14%0.375Sep 11, 2026Visit
    VA 30 Year Fixed6.25%6.619%0.375Sep 11, 2026Visit
    VA 15 Year Fixed6.375%6.968%0.25Sep 11, 2026Visit
    30 Year Fixed Jumbo7.125%7.17%0.25Sep 11, 2026Visit
    15 Year Fixed Jumbo6.25%6.301%0.125Sep 11, 2026Visit
    30 Year Fixed Super Conforming7.5%7.549%0.25Sep 11, 2026Visit
    15 Year Fixed Super Conforming6.625%6.681%0.125Sep 11, 2026Visit
    10 Year Fixed Refinance6.125%6.261%0.375Sep 11, 2026Visit
    15 Year Fixed Jumbo Refinance6.25%6.294%0.125Sep 11, 2026Visit
    15 Year Fixed Refinance6.25%6.307%0.125Sep 11, 2026Visit
    15 Year Fixed Super Conforming Refinance6.625%6.674%0.125Sep 11, 2026Visit
    20 Year Fixed Refinance6.75%6.829%0.375Sep 11, 2026Visit
    30 Year Fixed Jumbo Refinance7.125%7.166%0.25Sep 11, 2026Visit
    30 Year Fixed Refinance6.875%6.911%0.125Sep 11, 2026Visit
    30 Year Fixed Super Conforming Refinance7.5%7.544%0.25Sep 11, 2026Visit
    5 Year ARM Refinance6.375%6.41%0.125Sep 11, 2026Visit
    7 Year ARM Refinance6.5%6.475%0.125Sep 11, 2026Visit
    Visit SESLOC's rates page

    Rate history

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

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

    Who can join SESLOC

    Membership is open to anyone who lives, works, worships, or attends school in San Luis Obispo, Santa Barbara, Ventura, Kern, Monterey, Santa Clara, San Benito, Santa Cruz, or Fresno Counties. Immediate family members of current SESLOC members are also eligible. Additionally, Cal Poly faculty and staff are eligible for specific home loan programs.

    Employer
    Cal Poly
    County
    San Luis Obispo County, CA, Santa Barbara County, CA, Ventura County, CA, Kern County, CA, Monterey County, CA, Santa Clara County, CA, San Benito County, CA, Santa Cruz County, CA, Fresno County, CA

    Where SESLOC writes mortgages

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

    California

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

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