Current California Mortgage Rates
Average market rates for January 23, 2026 in California are 6.19% for 30-year fixed purchase and 6.27% for 30-year fixed refinance
| Product | Rate | APR |
|---|
| 30-year Fixed Purchase | 6.19% | 6.22% |
| 30-year Fixed Refinance | 6.27% | 6.30% |
Rates based on market averages as of Jan 22, 2026.Mortgage Rate Trends in California
| Product | Rate | APR |
|---|
| 30-year Fixed Purchase | 6.19% | 6.22% |
| 30-year Fixed Refinance | 6.27% | 6.30% |
Rates based on market averages as of Jan 22, 2026.California Purchase Rates
| Product | Rate | APR |
|---|
| 15-year Fixed Purchase | 5.41% | 5.46% |
| 15-year Fixed Jumbo Purchase | 6.13% | 6.16% |
| 30-year Fixed Purchase | 6.19% | 6.22% |
| 30-year Fixed Jumbo Purchase | 6.69% | 6.71% |
Rates based on market averages as of Jan 22, 2026.California Refinance Rates
| Product | Rate | APR |
|---|
| 15-year Fixed Refinance | 5.39% | 5.43% |
| 15-year Fixed Jumbo Refinance | 6.10% | 6.13% |
| 30-year Fixed Refinance | 6.27% | 6.30% |
| 30-year Fixed Jumbo Refinance | 6.78% | 6.80% |
Rates based on market averages as of Jan 22, 2026.California ARM Rates
| Product | Rate | APR |
|---|
| 5/6 Arm (purchase) | 6.08% | 6.11% |
| 5/6 Arm (refinance) | 6.11% | 6.15% |
| 5/6 Jumbo Arm (purchase) | 5.38% | 5.39% |
| 5/6 Jumbo Arm (refinance) | 5.38% | 5.39% |
Rates based on market averages as of Jan 22, 2026.How we source rates and rate trends
×
Rate data in the charts and tables above comes from
RateUpdate.com.
The displayed rates come from multiple providers and represent market averages. Your mortgage rate will differ
based on individual factors like your credit score as well as differing loan types and terms offered by lenders.
Most Common Mortgage Types in California
- Conventional: 260,194 loans
- FHA: 39,519 loans
- VA: 19,296 loans
- USDA: 681 loans
Top Purchase Lenders in California by Volume
- Rocket Mortgage, LLC: 19,842 loans
- Wells Fargo Bank: 11,523 loans
- Loandepot.com, LLC: 10,005 loans
- First Republic Bank: 7,220 loans
- U.S. Bank: 6,895 loans
- Bank Of America: 6,690 loans
- Home Point Financial Corporation: 6,561 loans
- Crosscountry Mortgage, LLC: 6,183 loans
- American Pacific Mortgage Corporation: 5,926 loans
- JPMorgan Chase Bank: 5,473 loans
Top Refinance Lenders in California by Volume
- Rocket Mortgage, LLC: 7,100 loans
- Bank Of America: 5,127 loans
- Wells Fargo Bank: 4,509 loans
- Finance Of America Reverse LLC: 3,434 loans
- American Advisors Group: 3,220 loans
- U.S. Bank: 3,113 loans
- JPMorgan Chase Bank: 2,714 loans
- Loandepot.com, LLC: 2,383 loans
- Mufg Union Bank: 2,170 loans
- Home Point Financial Corporation: 2,045 loans
Top Cash-Out Refinance Lenders in California by Volume
- Rocket Mortgage, LLC: 23,933 loans
- Loandepot.com, LLC: 7,430 loans
- Logix Federal Credit Union: 5,713 loans
- Wells Fargo Bank: 5,495 loans
- Home Point Financial Corporation: 4,850 loans
- Nationstar Mortgage LLC: 4,657 loans
- JPMorgan Chase Bank: 4,011 loans
- Flagstar Bank, Fsb: 3,555 loans
- Pennymac Loan Services, LLC: 3,504 loans
- Freedom Mortgage Corporation: 3,281 loans
How we source lender data
Meet the Author
The Refi.com team is compiled of journalists, editors, and mortgage industry professionals to ensure you have the most accurate information on mortgage refinancing.
