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    Home state: California
    Open membership
    Lends in 51 states

    STANFORD mortgage rates

    STANFORD'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 STANFORD daily and refresh rates every morning.

    Today's rates from STANFORD

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.875%6.955%0.375Sep 11, 2026Visit
    15 Year Fixed6.25%6.319%0Sep 11, 2026Visit
    5 Year ARM6%6.494%0Sep 11, 2026Visit
    7 Year ARM6.125%6.409%0Sep 11, 2026Visit
    10 Year ARM6.375%6.501%0Sep 11, 2026Visit
    30 Year Fixed Jumbo6.875%6.91%0Sep 11, 2026Visit
    15 Year Fixed Jumbo6.5%6.557%0Sep 11, 2026Visit
    5 Year ARM Jumbo6%6.487%0Sep 11, 2026Visit
    7 Year ARM Jumbo6.125%6.401%0Sep 11, 2026Visit
    10 Year ARM Jumbo6.375%6.494%0Sep 11, 2026Visit
    10 Year ARM Jumbo Refinance6.375%6.48%0Sep 11, 2026Visit
    10 Year ARM Refinance6.375%6.486%0Sep 11, 2026Visit
    15 Year Fixed Jumbo Refinance6.5%6.534%0Sep 11, 2026Visit
    15 Year Fixed Refinance6.25%6.293%0Sep 11, 2026Visit
    30 Year Fixed Jumbo Refinance6.875%6.896%0Sep 11, 2026Visit
    30 Year Fixed Refinance6.875%6.977%0.75Sep 11, 2026Visit
    5 Year ARM Jumbo Refinance6%6.473%0Sep 11, 2026Visit
    5 Year ARM Refinance6%6.479%0Sep 11, 2026Visit
    7 Year ARM Jumbo Refinance6.125%6.388%0Sep 11, 2026Visit
    7 Year ARM Refinance6.125%6.394%0Sep 11, 2026Visit
    Visit STANFORD's rates page

    Rate history

    Lowest daily rate STANFORD advertised for each product, 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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