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    Home state: California
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    Lends in 51 states

    STANFORD mortgage rates

    STANFORD's lowest publicly advertised 30-year fixed rate today is 7.081% APR — the national average is 7.147%. That's about $6,412 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 STANFORD's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from STANFORD

    ProductRateAPRPointsWe readSource
    30 Year Fixed7%7.081%0.375Nov 2, 2026Visit
    15 Year Fixed6.375%6.444%0Nov 2, 2026Visit
    5 Year ARM6.25%6.815%0Nov 2, 2026Visit
    7 Year ARM6.375%6.657%0Nov 2, 2026Visit
    10 Year ARM6.625%6.751%0Nov 2, 2026Visit
    30 Year Fixed Jumbo7.125%7.161%0Nov 2, 2026Visit
    15 Year Fixed Jumbo6.875%6.932%0Nov 2, 2026Visit
    5 Year ARM Jumbo6.25%6.808%0Nov 2, 2026Visit
    7 Year ARM Jumbo6.375%6.65%0Nov 2, 2026Visit
    10 Year ARM Jumbo6.625%6.743%0Nov 2, 2026Visit
    10 Year ARM Jumbo Refinance6.625%6.729%0Nov 2, 2026Visit
    10 Year ARM Refinance6.625%6.735%0Nov 2, 2026Visit
    15 Year Fixed Jumbo Refinance6.875%6.909%0Nov 2, 2026Visit
    15 Year Fixed Refinance6.375%6.419%0Nov 2, 2026Visit
    30 Year Fixed Jumbo Refinance7.125%7.146%0Nov 2, 2026Visit
    30 Year Fixed Refinance7%7.102%0.75Nov 2, 2026Visit
    5 Year ARM Jumbo Refinance6.25%6.794%0Nov 2, 2026Visit
    5 Year ARM Refinance6.25%6.8%0Nov 2, 2026Visit
    7 Year ARM Jumbo Refinance6.375%6.636%0Nov 2, 2026Visit
    7 Year ARM Refinance6.375%6.642%0Nov 2, 2026Visit
    Visit STANFORD'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 STANFORD

    Membership is open to the entire Stanford community, including faculty, staff, students, volunteers, and alumni of Stanford University, as well as employees of Stanford Health Care and SLAC National Accelerator Laboratory. Membership also extends to employees of specific companies such as Google, Facebook-Meta, Tesla, Genentech, SAP, NVIDIA, Amazon, Oracle, and Visa. Stanford Federal Credit Union also states that it is "open to anyone looking to join forces with a trusted financial partner."

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
    Employer
    Stanford University, Stanford Health Care, Stanford Children's Health, SLAC National Accelerator Laboratory, Companies located on Stanford-owned land, Google, Facebook-Meta, Tesla, Genentech, SAP, VMware, NVIDIA…
    Association / SEG
    Stanford University Alumni, Stanford University Students, Stanford University Volunteers, Friends of the Palo Alto Library (FOPAL), Museum of American Heritage (MOAH)
    Family of a member
    Immediate family of current Stanford FCU members

    Where STANFORD writes mortgages

    STANFORD publishes mortgage lending in 51 states.

    AlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutDistrict of ColumbiaDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming

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

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