SF Mortgage Rate Tracker

Loan baseline: $1,300,000 10/6 ARM jumbo @ 5.875% · ZIP 94107 · 790+ FICO · settings & manual entry
10/1 ARM
5.750%
Best: SF Fire Credit Union
10/1 ARM (Star One)
5.750%
Best: Star One Credit Union
10/1 ARM interest-only
6.250%
Best: San Francisco Federal CU
10/1 ARM jumbo (Star One)
5.750%
Best: Star One Credit Union
10/10 ARM
7.750%
Best: Provident Credit Union
10yr Treasury
4.410%
Best: 10yr Treasury (DGS10)
10yr fixed
5.250%
Best: SF Fire Credit Union
10yr fixed jumbo
5.500%
Best: Star One Credit Union
15yr fixed
5.500%
Best: SF Fire Credit Union
15yr fixed high-balance
5.875%
Best: Pacific Service Credit Union
15yr fixed jumbo
5.750%
Best: Star One Credit Union
20yr fixed
5.875%
Best: SF Fire Credit Union
20yr fixed jumbo
6.000%
Best: Star One Credit Union
3/1 ARM (Star One)
5.375%
Best: Star One Credit Union
3/1 ARM jumbo (Star One)
5.375%
Best: Star One Credit Union
3/3 ARM
5.500%
Best: Provident Credit Union
30yr fixed
5.625%
Best: Wells Fargo
threshold: 5.750%
30yr fixed FHA
5.875%
Best: Pacific Service Credit Union
30yr fixed FHA high-balance
6.000%
Best: Pacific Service Credit Union
30yr fixed jumbo
6.240%
Best: San Francisco Federal CU
30yr fixed super-conforming
6.490%
Best: San Francisco Federal CU
30yr fixed super-jumbo
8.250%
Best: Provident Credit Union
5/1 ARM
5.500%
Best: SF Fire Credit Union
5/1 ARM (Star One)
5.500%
Best: Star One Credit Union
5/1 ARM high-balance
5.750%
Best: Pacific Service Credit Union
5/1 ARM jumbo
5.750%
Best: Pacific Service Credit Union
5/1 ARM jumbo (Star One)
5.500%
Best: Star One Credit Union
5/5 ARM
5.500%
Best: Star One Credit Union
5/5 ARM jumbo
5.500%
Best: Star One Credit Union
5/6 ARM
5.625%
Best: Pacific Service Credit Union
7/1 ARM
5.625%
Best: SF Fire Credit Union
7/1 ARM (Star One)
5.625%
Best: Star One Credit Union
7/1 ARM jumbo (Star One)
5.625%
Best: Star One Credit Union
7/23 ARM
7.750%
Best: Provident Credit Union
7/6-Month ARM
6.000%
Best: Wells Fargo

10/1 ARM

LenderCategoryRateAPRCapturedSource
SF Fire Credit Union credit union 5.750% 5.995% 2026-05-09 06:28:24 js_render

10/1 ARM (Star One)

LenderCategoryRateAPRCapturedSource
Star One Credit Union credit union 5.750% 6.024% 2026-05-09 06:38:47 scrape

10/1 ARM interest-only

LenderCategoryRateAPRCapturedSource
San Francisco Federal CU credit union 6.250% 6.414% 2026-05-09 06:38:47 scrape

10/1 ARM jumbo (Star One)

LenderCategoryRateAPRCapturedSource
Star One Credit Union credit union 5.750% 6.061% 2026-05-09 06:38:47 scrape

10/10 ARM

LenderCategoryRateAPRCapturedSource
Provident Credit Union credit union 7.750% — 2026-05-09 06:28:49 js_render

10yr Treasury

LenderCategoryRateAPRCapturedSource
10yr Treasury (DGS10) index proxy 4.410% — 2026-05-09 06:38:47 api

10yr fixed

LenderCategoryRateAPRCapturedSource
SF Fire Credit Union credit union 5.250% 5.575% 2026-05-09 06:28:24 js_render
SF Fire Credit Union credit union 5.500% 5.826% 2026-05-09 06:28:24 js_render
Star One Credit Union credit union 5.500% 5.599% 2026-05-09 06:38:47 scrape
Provident Credit Union credit union 5.875% — 2026-05-09 06:28:49 js_render

10yr fixed jumbo

LenderCategoryRateAPRCapturedSource
Star One Credit Union credit union 5.500% 5.599% 2026-05-09 06:38:47 scrape

15yr fixed

LenderCategoryRateAPRCapturedSource
SF Fire Credit Union credit union 5.500% 5.729% 2026-05-09 06:28:24 js_render
Pacific Service Credit Union credit union 5.500% 5.565% 2026-05-09 06:38:47 scrape
Wells Fargo major bank 5.500% 5.766% 2026-05-09 06:27:52 js_render
San Francisco Federal CU credit union 5.625% 5.776% 2026-05-09 06:38:47 scrape
Star One Credit Union credit union 5.750% 5.920% 2026-05-09 06:38:47 scrape
Bank of America major bank 5.750% 6.113% 2026-05-09 06:27:29 js_render
SF Fire Credit Union credit union 5.875% 6.107% 2026-05-09 06:28:24 js_render
Provident Credit Union credit union 5.875% — 2026-05-09 06:28:49 js_render

15yr fixed high-balance

LenderCategoryRateAPRCapturedSource
Pacific Service Credit Union credit union 5.875% 5.929% 2026-05-09 06:38:47 scrape

15yr fixed jumbo

LenderCategoryRateAPRCapturedSource
Star One Credit Union credit union 5.750% 5.837% 2026-05-09 06:38:47 scrape
Provident Credit Union credit union 5.875% — 2026-05-09 06:28:49 js_render

20yr fixed

LenderCategoryRateAPRCapturedSource
SF Fire Credit Union credit union 5.875% 6.059% 2026-05-09 06:28:24 js_render
Pacific Service Credit Union credit union 6.000% 6.052% 2026-05-09 06:38:47 scrape
Star One Credit Union credit union 6.000% 6.139% 2026-05-09 06:38:47 scrape
Provident Credit Union credit union 6.375% — 2026-05-09 06:28:49 js_render
Bank of America major bank 6.375% 6.658% 2026-05-09 06:27:29 js_render

20yr fixed jumbo

LenderCategoryRateAPRCapturedSource
Star One Credit Union credit union 6.000% 6.072% 2026-05-09 06:38:47 scrape

3/1 ARM (Star One)

LenderCategoryRateAPRCapturedSource
Star One Credit Union credit union 5.375% 6.129% 2026-05-09 06:38:47 scrape

3/1 ARM jumbo (Star One)

LenderCategoryRateAPRCapturedSource
Star One Credit Union credit union 5.375% 6.264% 2026-05-09 06:38:47 scrape

3/3 ARM

LenderCategoryRateAPRCapturedSource
Provident Credit Union credit union 5.500% — 2026-05-09 06:28:49 js_render

30yr fixed alert ≤ 5.750%

LenderCategoryRateAPRCapturedSource
Wells Fargo major bank 5.625% 5.840% 2026-05-09 06:27:52 js_render
SF Fire Credit Union credit union 5.875% 6.013% 2026-05-09 06:28:24 js_render
U.S. Bank (California) major bank 6.125% — 2026-05-09 06:27:55 js_render
SF Fire Credit Union credit union 6.125% 6.265% 2026-05-09 06:28:24 js_render
Star One Credit Union credit union 6.250% 6.358% 2026-05-09 06:38:47 scrape
FRED 30yr Fixed (MORTGAGE30US) index proxy 6.370% — 2026-05-09 06:38:47 api
Wells Fargo major bank 6.375% 6.529% 2026-05-09 06:27:52 js_render
Mortgage News Daily 30yr index proxy 6.420% — 2026-05-09 06:38:47 scrape
SF Fire Credit Union credit union 6.422% — 2026-05-09 06:28:24 js_render
San Francisco Federal CU credit union 6.500% 6.574% 2026-05-09 06:38:47 scrape
Bank of America major bank 6.625% 6.852% 2026-05-09 06:27:29 js_render
Provident Credit Union credit union 6.625% — 2026-05-09 06:28:49 js_render

30yr fixed FHA

LenderCategoryRateAPRCapturedSource
Pacific Service Credit Union credit union 5.875% 6.176% 2026-05-09 06:38:47 scrape

30yr fixed FHA high-balance

LenderCategoryRateAPRCapturedSource
Pacific Service Credit Union credit union 6.000% 6.199% 2026-05-09 06:38:47 scrape

30yr fixed jumbo

LenderCategoryRateAPRCapturedSource
San Francisco Federal CU credit union 6.240% 6.311% 2026-05-09 06:38:47 scrape
Star One Credit Union credit union 6.250% 6.307% 2026-05-09 06:38:47 scrape
Provident Credit Union credit union 6.625% — 2026-05-09 06:28:49 js_render

30yr fixed super-conforming

LenderCategoryRateAPRCapturedSource
San Francisco Federal CU credit union 6.490% 6.564% 2026-05-09 06:38:47 scrape

30yr fixed super-jumbo

LenderCategoryRateAPRCapturedSource
Provident Credit Union credit union 8.250% — 2026-05-09 06:28:49 js_render

5/1 ARM

LenderCategoryRateAPRCapturedSource
SF Fire Credit Union credit union 5.500% 5.934% 2026-05-09 06:28:24 js_render
San Francisco Federal CU credit union 5.625% 6.222% 2026-05-09 06:38:47 scrape

5/1 ARM (Star One)

LenderCategoryRateAPRCapturedSource
Star One Credit Union credit union 5.500% 6.057% 2026-05-09 06:38:47 scrape

5/1 ARM high-balance

LenderCategoryRateAPRCapturedSource
Pacific Service Credit Union credit union 5.750% 6.226% 2026-05-09 06:38:47 scrape

5/1 ARM jumbo

LenderCategoryRateAPRCapturedSource
Pacific Service Credit Union credit union 5.750% 6.212% 2026-05-09 06:38:47 scrape

5/1 ARM jumbo (Star One)

LenderCategoryRateAPRCapturedSource
Star One Credit Union credit union 5.500% 6.159% 2026-05-09 06:38:47 scrape

5/5 ARM

LenderCategoryRateAPRCapturedSource
Star One Credit Union credit union 5.500% 6.057% 2026-05-09 06:38:47 scrape
Provident Credit Union credit union 5.625% — 2026-05-09 06:28:49 js_render

5/5 ARM jumbo

LenderCategoryRateAPRCapturedSource
Star One Credit Union credit union 5.500% 6.159% 2026-05-09 06:38:47 scrape

5/6 ARM

LenderCategoryRateAPRCapturedSource
Pacific Service Credit Union credit union 5.625% 5.985% 2026-05-09 06:38:47 scrape

7/1 ARM

LenderCategoryRateAPRCapturedSource
SF Fire Credit Union credit union 5.625% 5.951% 2026-05-09 06:28:24 js_render
San Francisco Federal CU credit union 5.750% 6.180% 2026-05-09 06:38:47 scrape

7/1 ARM (Star One)

LenderCategoryRateAPRCapturedSource
Star One Credit Union credit union 5.625% 6.033% 2026-05-09 06:38:47 scrape

7/1 ARM jumbo (Star One)

LenderCategoryRateAPRCapturedSource
Star One Credit Union credit union 5.625% 6.105% 2026-05-09 06:38:47 scrape

7/23 ARM

LenderCategoryRateAPRCapturedSource
Provident Credit Union credit union 7.750% — 2026-05-09 06:28:49 js_render

7/6-Month ARM

LenderCategoryRateAPRCapturedSource
Wells Fargo major bank 6.000% 6.344% 2026-05-09 06:27:52 js_render

No recent data (last 14 days)

LenderCategoryMethod
Chase major bank http — scraper may need a pattern update
Citi major bank http — scraper may need a pattern update
Bay Federal Credit Union credit union js_required — needs browser; click lender name to check rates
First Tech Federal CU credit union http — scraper may need a pattern update
Golden 1 Credit Union credit union js_required — needs browser; click lender name to check rates
Meriwest Credit Union credit union js_required — needs browser; click lender name to check rates
Patelco Credit Union credit union http — scraper may need a pattern update
Redwood Credit Union credit union — scraper may need a pattern update
San Mateo Credit Union credit union js_required — needs browser; click lender name to check rates
Self-Help Federal CU credit union js_required — needs browser; click lender name to check rates
Tech Credit Union credit union js_required — needs browser; click lender name to check rates
Travis Credit Union credit union js_required — needs browser; click lender name to check rates
University Credit Union credit union js_required — needs browser; click lender name to check rates
Merrill / BofA Preferred relationship manual — enter manually
Morgan Stanley Private Bank relationship manual — enter manually
Schwab Bank (Rocket) relationship manual — enter manually
UBS relationship manual — enter manually

Disclaimer: scraped lender pages can break or paywall jumbo ARM rates. Treat displayed rates as directional and confirm by phone before acting. Relationship-pricing lenders (Schwab/Rocket, Morgan Stanley, Merrill, UBS) require manual entry after a quote.