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20-Year Fixed Conforming Mortgage

California 20-Year Fixed Mortgage Rates 2025

Compare California 20-Year Fixed Conforming Mortgage rates with a loan amount of $320,000. Use the search box below to change the mortgage product or the loan amount. Click the lender name to view more information. Mortgage rates are updated daily.

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California 20-Year Fixed Conforming Mortgage

December 18, 2025
Average: 6.46% APR

Advertiser Disclosure

Lender	APR	Rate (%)	Monthly Payment^?
Veterans United Home Loans NMLS ID: 1907	You can buy with 0% down, no PMI and more Run your numbers and get a snapshot of your buying power VA loans have the lowest avg rate on the market (Data from Optimal Blue) 20 Yr Fixed		$0	Learn More
District Lending NMLS ID: 1835285	5.505% 20 Yr Fixed	5.375% Fees & Points $3,449 Total 0.922 Pts: $2,950 $499 Fees	$2,179	Learn More See Table View
Surety Home Loans NMLS ID: 1981224	5.553% 20 Yr Fixed	5.375% Fees & Points $4,720 Total 0.475 Pts: $1,520 $3,200 Fees	$2,179	Learn More See Table View
Approved Home Loans NMLS ID: 1935422 License#: 60DBO-109262	5.631% 20 Yr Fixed	5.375% Fees & Points $6,805 Total 0.475 Pts: $1,520 $5,285 Fees	$2,179	Learn More See Table View
Different Mortgage NMLS ID: 324599 License#: 324599	5.785% 20 Yr Fixed	5.625% Fees & Points $4,270 Total 1.000 Pts: $3,200 $1,070 Fees	$2,224	Learn More See Table View
Statewide Funding NMLS ID: 1105497 License#: 603L227	5.809% 20 Yr Fixed	5.625% Fees & Points $4,825 Total 1.000 Pts: $3,200 $1,625 Fees	$2,224	Learn More See Table View
Zoom Loans NMLS ID: 1312186	5.937% 20 Yr Fixed	5.875% Fees & Points $1,600 Total 0.500 Pts: $1,600 $0 Fees	$2,270	Learn More See Table View
Blue Sky Financial, LLC NMLS ID: 1954591 License#: 60DBO-113383	6.033% 20 Yr Fixed	5.875% Fees & Points $4,153 Total 0.952 Pts: $3,046 $1,107 Fees	$2,270	Learn More See Table View
New American Funding, LLC. NMLS ID: 6606	6.113% 20 Yr Fixed	6.000% Fees & Points $2,928 Total 0.915 Pts: $2,928 $0 Fees	$2,293	Learn More See Table View
Veterans United Home Loans NMLS ID: 1907	Get home in 2026 with a 0% down VA Loan Score your prequalification anytime with 24/7 online tools Save more with competitive VA rates and no PMI Backed by over 350,000 verified 5-star reviews 20 Yr Fixed			Learn More
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
U.s. Bank National Association Updated 05/07/2023	5.97%	5.75% 0.57 points $0.00 fees	$2,246.67	Learn MoreShow Less See Table View
El Dorado Savings Bank, F.s.b. Updated 12/12/2025	5.87%	6.12% 0.00 points $0.00 fees	$2,314.79	Learn MoreShow Less See Table View
Charles Schwab Bank, Ssb Updated 12/12/2025	5.94%	6.13% 2.00 points $3,210.00 fees	$2,317.20	Learn MoreShow Less See Table View
Star One Credit Union Updated 11/17/2023 Restrictions	7.03%	6.14% 0.00 points $0.00 fees	$2,318.31	Learn MoreShow Less See Table View
Citibank, National Association Updated 06/15/2022	6.38%	6.25% 0.13 points $2,739.00 fees	$2,338.97	Learn MoreShow Less See Table View
Patelco Credit Union Updated 09/22/2023 Restrictions	7.25%	6.49% 0.00 points $0.00 fees	$2,383.57	Learn MoreShow Less See Table View
Logix Credit Union Updated 11/01/2024 Restrictions	6.98%	6.75% 0.00 points $0.00 fees	$2,433.16	Learn MoreShow Less See Table View
Atlanta Postal Credit Union Updated 06/15/2022 Restrictions	7.16%	7.13% 0.00 points $3,394.00 fees	$2,505.02	Learn MoreShow Less See Table View
United Nations Credit Union Updated 06/15/2022 Restrictions	7.16%	7.13% 0.00 points $2,784.00 fees	$2,505.99	Learn MoreShow Less See Table View
State Employees Cu Of Maryland, Inc Credit Union Updated 06/15/2022 Restrictions	7.19%	7.13% 0.00 points $2,784.00 fees	$2,505.99	Learn MoreShow Less See Table View
Wescom Central Credit Union Updated 06/15/2022 Restrictions	7.19%	7.13% 1.00 points $0.00 fees	$2,505.99	Learn MoreShow Less See Table View
First Technology Credit Union Updated 02/06/2023 Restrictions	7.45%	7.25% 0.13 points $0.00 fees	$2,529.20	Learn MoreShow Less See Table View
Boeing Employees Credit Union Updated 06/15/2022 Restrictions	7.33%	7.25% 0.13 points $5,038.00 fees	$2,529.20	Learn MoreShow Less See Table View
San Diego County Credit Union Updated 06/15/2022 Restrictions	7.41%	7.38% 0.00 points $0.00 fees	$2,553.50	Learn MoreShow Less See Table View
Virginia Credit Union, Inc., Credit Union Updated 06/15/2022 Restrictions	7.41%	7.38% 0.38 points $2,784.00 fees	$2,554.47	Learn MoreShow Less See Table View
Chevron Credit Union Updated 06/15/2022 Restrictions	7.52%	7.50% 0.00 points $0.00 fees	$2,577.90	Learn MoreShow Less See Table View
Citizens Equity First Credit Union Updated 06/15/2022 Restrictions	7.52%	7.50% 0.00 points $2,936.00 fees	$2,577.90	Learn MoreShow Less See Table View
Cit Bank, National Association Updated 06/15/2022	7.65%	7.60% 0.00 points $0.00 fees	$2,597.50	Learn MoreShow Less See Table View
Axos Bank Updated 06/15/2022	8.41%	8.38% 0.00 points $3,658.00 fees	$2,752.78	Learn MoreShow Less See Table View
Data provided by BestCashCow

Advertiser Disclosure: The lenders whose rates and other terms appear on this chart are ICB's advertising partners. They provide their rate information to our data partner RateUpdate.com. Unless adjusted by the consumer, advertisers are sorted by APR from lowest to highest. For any advertising partners that do not provide their rate they are listed in advertisement display units at the bottom of the chart. Advertising partners may not pay to improve the frequency priority or prominence of their display. The interest rates, annual percentage rates and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and do not bind. Any lender Monthly payment amounts stated do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. Although our data partner RateUpdate.com collects the information from the financial institutions themselves, the accuracy of the data cannot be guaranteed. Rates may change without notice and can change intraday. Some of the information contained in the rate tables including but not limited to special marketing notes is provided directly by the lenders. Please verify the rates and offers before applying for a loan with the financial institution themselves. No rate is binding until locked by a lender.

¹ Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Rates from this table are based on loan amount of $320,000 and a variety of factors including credit score and loan to value ratios. Rates may change at any time and are not guaranteed to be correct. For specific requirements please check with the lender.

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California 20-Year Fixed Mortgage Rates 2025

California 20-Year Fixed Conforming Mortgage

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