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    Home state: California
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    THE FIRST FINANCIAL mortgage rates

    THE FIRST FINANCIAL's lowest publicly advertised 30-year fixed rate today is 7.834% APR — the national average is 7.147%. We read THE FIRST FINANCIAL's rates every weekday, starting around 11 a.m. Central.

    We last read THE FIRST FINANCIAL's rates page on Nov 2, 2026. THE FIRST FINANCIAL dates its published rate sheet Oct 27, 2026.

    Today's rates from THE FIRST FINANCIAL

    ProductRateAPRPointsWe readSource
    30 Year Fixed7.75%7.834%0Nov 2, 2026
    Lender's sheet dated Oct 27, 2026
    		Visit
    5 Year ARM6%6.899%0Nov 2, 2026
    Lender's sheet dated Oct 27, 2026
    		Visit
    30 Year Fixed Jumbo8.5%8.789%2.125Nov 2, 2026
    Lender's sheet dated Oct 27, 2026
    		Visit
    30 Year Fixed Jumbo Refinance8.5%8.789%2.125Nov 2, 2026
    Lender's sheet dated Oct 27, 2026
    		Visit
    30 Year Fixed Refinance7.75%7.834%0Nov 2, 2026
    Lender's sheet dated Oct 27, 2026
    		Visit
    5 Year ARM Refinance6%6.899%0Nov 2, 2026
    Lender's sheet dated Oct 27, 2026
    		Visit
    Visit THE FIRST FINANCIAL'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 THE FIRST FINANCIAL

    Membership is primarily available to employees and retirees of the California Teachers Association (CTA) and several other educational associations throughout California. Employees of numerous southern California companies, including those in the medical, hospitality, and educational sectors, as well as family members of current members, are also eligible to join.

    Employer
    B&T Counters, Benefit Administrative Services (BAS Inc.), Benefit Technologies, California Casualty, California Heritage Financial, Child Care Resource Center, Central Medical Center, Community Christian Preschool, Community Hospice Care, Community Rehabilitation Training Center, Connections for Children Core, Inc., Crown Bolt…
    Association / SEG
    California Teachers Association (CTA), Congress of Faculty Associations (CFA), Association of California School Administrators (ACSA), California College Association (CCA), California Retired Teachers Association (CRTA), California School Employees Association (CSEA), United Teachers Los Angeles (UTLA), Don Bosco Technical Institute Alumni Association, Cerritos Chamber of Commerce, New Life Community Church

    Where THE FIRST FINANCIAL writes mortgages

    THE FIRST FINANCIAL 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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