Mortgage Rates: 30 Year Mortgage Rates in California at 5.04%

Mortgage rates have been around 5.00 percent since the beginning of 2010. The recent 30 year low was 4.95 percent just over two weeks ago and the high was 5.17 percent on January 11, 2010. On Monday the national average 30 year mortgage rate was averaging 5.07 percent.

30 year mortgage rates in California are just below the national average. Right now, 30 year rates in the state of California are averaging 5.04 percent.

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 06101, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
30 yr fixed Mortgage Loan from Northpointe Bank
Northpointe Bank
https://www.brimg.net/system/img/inst/10077_logo.gif
300000
Refinance
4.227
4.125
USD
Northpointe Bank Logo
NMLS # 447490
at 0.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $3,350
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.354
4.250
USD
Ally Bank Logo
NMLS # 181005
(877) 252 - 6146
at 0.100 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $3,395
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
4.049
4.000
USD
CF Bank Logo
NMLS # 409132
(877) 388 - 5173
at 0.100 pts
45 day lock rate
Est payment: $1,432.25
Fees in APR: $1,484
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.079
3.990
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # ML-66247
(877) 388 - 9170
at 0.100 pts
30 day lock rate
Est payment: $1,430.52
Fees in APR: $2,885
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.784
4.700
USD
CIT Bank Logo
NMLS # 541760
(877) 366 - 5354
at 0.100 pts
45 day lock rate
Est payment: $1,555.91
Fees in APR: $2,582
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.267
4.125
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 1.000 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $2,046
 
 
30 yr fixed Mortgage Loan from Citibank, N. A.
Citibank, N. A.
https://www.brimg.net/system/img/inst/8189_logo.gif
300000
Refinance
4.796
4.750
USD
Citibank, N. A. Logo
NMLS # 412915
(877) 385 - 1690
at 0.000 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $1,590
 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.512
4.500
USD
Ally Bank Logo
NMLS # 181005
(877) 252 - 6146
at 0.000 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $415
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
4.125
4.125
USD
CF Bank Logo
NMLS # 409132
(877) 388 - 5173
at 0.000 pts
45 day lock rate
Est payment: $1,453.95
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.242
4.240
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # ML-66247
(877) 388 - 9170
at 0.000 pts
30 day lock rate
Est payment: $1,474.06
Fees in APR: $56
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.375
4.375
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Northpointe Bank
Northpointe Bank
https://www.brimg.net/system/img/inst/10077_logo.gif
300000
Refinance
4.250
4.250
USD
Northpointe Bank Logo
NMLS # 447490
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: None
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Better Mortgage Inc
Better Mortgage Inc
https://www.brimg.net/system/img/inst/9722_logo.gif
300000
Refinance
4.069
4.000
USD
Better Mortgage Inc Logo
NMLS # 330511
State Lic # ML-330511
at 0.000 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $2,482
Thank you for your quote. 
 
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
3.903
3.750
USD
CF Bank Logo
NMLS # 409132
(877) 388 - 5173
at 1.100 pts
45 day lock rate
Est payment: $1,389.35
Fees in APR: $2,261
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.004
3.865
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # ML-66247
(877) 388 - 9170
at 1.100 pts
30 day lock rate
Est payment: $1,409.00
Fees in APR: $1,712
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
9.489
9.125
USD
CIT Bank Logo
NMLS # 541760
(877) 366 - 5354
at 1.100 pts
45 day lock rate
Est payment: $2,440.90
Fees in APR: $6,132
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed mtg refi Mortgage Loan from The Washington Trust Company
The Washington Trust Company
300000
Refinance
4.280
4.250
USD
The Washington Trust Company
4.280%
2/19/2019
4.250%
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,083
 
 
30 yr fixed mtg refi Mortgage Loan from United Bank
United Bank
300000
Refinance
4.401
4.375
USD
United Bank
4.401%
2/19/2019
4.375%
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $911
 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
300000
Refinance
4.405
4.375
USD
TD Bank, NA
4.405%
2/20/2019
4.375%
at 0.000 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: $1,043
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.373
4.250
USD
Bank of America
4.373%
2/18/2019
4.250%
at 0.998 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $1,351
 
 
30 yr fixed mtg refi Mortgage Loan from First National Bank of Omaha
First National Bank of Omaha
300000
Refinance
4.815
4.750
USD
First National Bank of Omaha
4.815%
2/21/2019
4.750%
at 0.500 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $752
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.406
4.375
USD
LincolnWay Community Bank
4.406%
2/19/2019
4.375%
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from Savings Bank of Danbury
Savings Bank of Danbury
300000
Refinance
4.523
4.500
USD
Savings Bank of Danbury
4.523%
2/22/2019
4.500%
at 0.000 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $790
 
 
30 yr fixed mtg refi Mortgage Loan from Union Savings Bank
Union Savings Bank
300000
Refinance
4.524
4.500
USD
Union Savings Bank
4.524%
2/22/2019
4.500%
at 0.000 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $852
 
 
30 yr fixed mtg refi Mortgage Loan from Liberty Bank
Liberty Bank
300000
Refinance
4.419
4.375
USD
Liberty Bank
4.419%
2/22/2019
4.375%
at 0.250 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $814
 
 
30 yr fixed mtg refi Mortgage Loan from The Guilford Savings Bank
The Guilford Savings Bank
300000
Refinance
4.542
4.500
USD
The Guilford Savings Bank
4.542%
2/22/2019
4.500%
at 0.250 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $719
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
4.550
4.500
USD
Citizens Bank, NA
4.550%
2/22/2019
4.500%
at 0.250 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $998
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
300000
Refinance
4.683
4.625
USD
Santander Bank, N.A.
4.683%
2/22/2019
4.625%
at 0.000 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $2,004
 
 
30 yr fixed mtg refi Mortgage Loan from UniBank for Savings
UniBank for Savings
300000
Refinance
4.786
4.750
USD
UniBank for Savings
4.786%
2/22/2019
4.750%
at 0.250 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $500
 
 

Mortage Data Provided by Bankrate.com Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.






Looking for today's mortgage rates and refinance rates? Use our mortgage rate tables to find today's mortgage rates in your state. Today's Mortgage Rates and Refinance Rates.

The national average 15 year mortgage interest rate is currently averaging 4.39 percent. In California the average 15 year mortgage rate is currently higher than the national average. Today's 15 year mortgage interest rates are averaging 4.43 percent.

5 year adjustable mortgage rates are averaging 4.00 percent and 5 year jumbo adjustable mortgage rates are higher at 4.64 percent. The average 5 year adjustable rate mortgage is currently at 4.20 percent in California.

Following is a recent Mortgage Rate Survey report released by MonitorBankRates.com on Monday:

Mortgage Rates


The average conforming 30 year mortgage rate is unchanged this week at 5.07 percent. This is the second consecutive week 30 year rates are above 5.00 percent.

The average 15 year conforming home loan rate is 4.39 percent this week, down from last week’s average mortgage rate of 4.43 percent. 15 year conforming refinance rates were also lower this week and the average refinance rate is 4.39 percent.

Jumbo Mortgage Interest Rates


The average fixed 30 year mortgage interest rate is at 5.76% this week, down from the previous week’s average home loan rate of 5.82%. Jumbo refinance rates are also down this week with the average rate at 5.76 percent.

15 year jumbo interest mortgage rates are averaging 5.13% this week, up from the prior week’s average jumbo loan mortgage rate of 5.10%. 15 year jumbo mortgage refinance rates are also averaging 5.13% this week. 

Adjustable Rate Mortgages


The average conforming 1 year adjustable rate mortgage is at 4.67% this week, an increase from last week’s average 1 year home loan interest rate of 4.26%. One year refinance rates are also averaging 4.67% this week.

The average conforming 3 year adjustable mortgage interest rate is at 4.63% this week, an increase from the previous week when 3 year mortgage interest rates were averaging 4.61%.

5 year conforming ARMs are averaging 4.01% this week, down from last week’s average home loan rate of 4.05%.  The average 5 year mortgage refinance is also at 4.01% this week.

7 year conforming ARMs are averaging 4.50%, down from the prior week’s average mortgage loan rate of 4.59%. The average conforming 7 year mortgage refinance rate is also averaging at 4.59% this week.

10 year adjustable bank mortgage rates are averaging 4.80%, a decrease from last week’s average mortgage interest rate of 4.83%. 10 year home loan refinance rates are also at 4.83%.

Jumbo Adjustable Rate Mortgages


The average 1 year jumbo ARM is averaging 5.59% this week, unchanged from last week’s average home loan interest rate. 1 year home refinance rates are also averaging 5.59%.

Jumbo 3-year jumbo ARMs are at 5.36% this week, down slightly from the previous week’s average home loan rate of 5.37%. The average 3 year home refinance rate was also down to 5.36%.

The average 5 year jumbo ARM is at 4.70% this week, up from the previous week’s average mortgage rate of 4.69%. The average 5 year refinance loan is also at 4.70 percent this week.

7 year jumbo ARMs are averaging 5.75% this week, up from last week’s average loan mortgage rate of 5.61%. 7 year loan refinance rates are also averaging 5.75%, up from the prior week’s average refinance rate.

10 year jumbo mortgage rates are averaging 5.96% this week, an increase from last week’s average 10 year rate of 5.92 percent. 10 year jumbo refinance loan rates are also higher this week, the average rate is 5.96 percent.

Interest Only Conforming Loans


The average 3 year interest only mortgage rate is at 4.89% this week, up from the prior week’s average mortgage interest rate of 4.84%. 3 year conforming IO home loan refinance rates are also at 4.89%.

5 year interest only home loans are averaging 4.18% this week, a decrease from last week’s average five year home interest only mortgage rate of 4.20%. 5 year home mortgage refinance rates are averaging 4.15% this week.

7 year IO home loans are averaging 4.68% this week, down from last week’s average interest rate of 4.77%.  The average 7 year IO refinance home loan rate is also at 4.68% this week.

Jumbo IO Loans


3 year jumbo IO loans are averaging 5.71% this week, down from last week’s jumbo interest mortgage rate of 5.73%. 3 year jumbo refinance interest rates are averaging 5.70%.

The average 5 year jumbo IO loan rate is at 5.39%, up from the prior week’s average IO mortgage rate of 5.35%. 5 year jumbo IO refinance interest rates are averaging 5.39% this week.

7 year jumbo IO loans are averaging 6.21%, unchanged from the previous week’s average jumbo 7 year rate.

Home Equity Loan Rates


The average home equity loan rate was down this week over last. 10 year home equity loan rates are at 7.447% this week, down from last week’s average equity home loan rate of 7.475%. 15 year home equity rates decreased slightly to 7.707%, down from last week’s average home equity rate of 7.735%.

Home Equity Line of Credit Rates (HELOC)


Average home equity line of credit rate was unchanged this week over last. The average HELOC rate is at 4.899%.

Today's refinance rates and mortgage rates can be found in your state by searching our interest rate tables: Today's Refinance Rates and Mortgage Rates
 
 
Author: Lisa Graham
March 3rd, 2010
Posted in: Mortgage Rates