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Mortgage Rates in California

22 real rates from borrowers and public HMDA records

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30-Yr Fixed Avg
6.175%
10 submissions
15-Yr Fixed Avg
5.750%
1 submission
Total Submissions
22
Jan 2025 – Dec 2025
Lenders Reporting
8

Top Lenders in California

LenderAvg RateSubmissions
Better MortgageBetter Mortgage6.525%5
Alliant Credit UnionAlliant Credit Union5.958%3
U.S. BankU.S. Bank6.292%3
PNC BankPNC Bank6.063%2
ChaseChase6.313%2
UWM (United Wholesale Mortgage)UWM (United Wholesale Mortgage)6.625%1
Guaranteed RateGuaranteed Rate6.250%1
Bank of AmericaBank of America4.125%1

Rate Trend by Month

MonthAvg RateSubmissions
Dec 20256.938%2
Nov 20256.438%2
Oct 20256.313%2
Sep 20255.781%4
Aug 20255.969%4
Apr 20254.750%1
Mar 20256.094%4
Feb 20256.875%1
Jan 20256.188%2

Frequently Asked Questions

What is the average mortgage rate in California?
Based on 10 real 30-year fixed submissions, the average rate locked in California is 6.175%. This reflects what borrowers actually locked, not lender-advertised teaser rates.
How many mortgage rate submissions does HomeLoans.fyi have for California?
22 real rates from California, sourced from anonymous borrower submissions and public HMDA loan records.
What is the average VA loan rate in California?
The average VA 30-year rate locked in California is 6.188%, based on 2 submissions.
Which lenders have the most submissions in California?
Better Mortgage, Alliant Credit Union, U.S. Bank have the most submitted rates in California on HomeLoans.fyi.
Browse all California submissions →