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15-Year Fixed Conforming Mortgage Refinance

Irvine, California 15-Year Fixed Mortgage Refinance Rates 2025

Compare California 15-Year Fixed Conforming Mortgage Refinance 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.

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Irvine, California 15-Year Fixed Conforming Mortgage Refinance

December 17, 2025
Average: 5.86% APR

Advertiser Disclosure

Lender	APR	Rate (%)	Monthly Payment^?
District Lending NMLS ID: 1835285	4.849% 15 Yr Fixed	4.625% Fees & Points $4,800 Total 1.000 Pts: $3,200 $1,600 Fees	$2,469	Learn More See Table View
Access Lending Solutions NMLS ID: 245688 License#: 01827612	5.007% 15 Yr Fixed	4.875% Fees & Points $2,800 Total 0.875 Pts: $2,800 $0 Fees	$2,510	Learn More See Table View
West Capital Lending NMLS ID: 1566096	5.045% 15 Yr Fixed	4.875% Fees & Points $3,609 Total 0.723 Pts: $2,314 $1,295 Fees	$2,510	Learn More See Table View
Approved Home Loans NMLS ID: 1935422 License#: 60DBO-109262	5.061% 15 Yr Fixed	4.750% Fees & Points $6,632 Total 0.421 Pts: $1,347 $5,285 Fees	$2,490	Learn More See Table View
Home Simply NMLS ID: 2473786	5.073% 15 Yr Fixed	4.875% Fees & Points $4,212 Total 0.974 Pts: $3,117 $1,095 Fees	$2,510	Learn More See Table View
Northpointe Bank NMLS ID: 447490	5.080% 15 Yr Fixed	4.875% Fees & Points $4,361 Total 0.927 Pts: $2,966 $1,395 Fees	$2,510	Learn More See Table View
River City Mortgage LLC NMLS ID: 142954 License#: 60DBO-44759	5.108% 15 Yr Fixed	4.875% Fees & Points $5,049 Total 0.956 Pts: $3,059 $1,990 Fees	$2,510	Learn More See Table View
Beeline Loans, Inc. NMLS ID: 1799947	5.118% 15 Yr Fixed	4.990% Fees & Points $2,707 Total 0.846 Pts: $2,707 $0 Fees	$2,529	Learn More See Table View
Allied Mortgage Group, Inc. NMLS ID: 1067	5.138% 15 Yr Fixed	5.000% Fees & Points $2,909 Total 0.909 Pts: $2,909 $0 Fees	$2,531	Learn More See Table View
LoanFlight Lending, LLC NMLS ID: 1522344 License#: 60DBO60154	5.226% 15 Yr Fixed	5.125% Fees & Points $2,115 Total 0.661 Pts: $2,115 $0 Fees	$2,552	Learn More See Table View
Zoom Loans NMLS ID: 1312186	5.258% 15 Yr Fixed	5.125% Fees & Points $2,800 Total 0.875 Pts: $2,800 $0 Fees	$2,552	Learn More See Table View
PenFed Credit Union NMLS ID: 401822	5.264% 15 Yr Fixed	5.000% Fees & Points $5,600 Total 0.750 Pts: $2,400 $3,200 Fees	$2,531	Learn More See Table View
Farmers Bank of Kansas City NMLS ID: 613839	5.342% 15 Yr Fixed	5.125% Fees & Points $4,563 Total 0.836 Pts: $2,675 $1,888 Fees	$2,552	Learn More See Table View
New American Funding, LLC. NMLS ID: 6606	5.386% 15 Yr Fixed	5.240% Fees & Points $3,056 Total 0.955 Pts: $3,056 $0 Fees	$2,571	Learn More See Table View
Mutual of Omaha Mortgage, Inc. NMLS ID: 1025894	5.528% 15 Yr Fixed	5.375% Fees & Points $3,193 Total 0.779 Pts: $2,493 $700 Fees	$2,594	Learn More See Table View
Refi.com NMLS ID: 1907 License#: California	5.606% 15 Yr Fixed	5.500% Fees & Points $2,202 Total 0.688 Pts: $2,202 $0 Fees	$2,615	Learn More See Table View
Veterans United Home Loans NMLS ID: 1907	Use your VA Loan benefits to get cash from your home equity Get a personalized quote fast with instant uploads and 24/7 access Over 300,000 verified 5-star reviews 15 Yr Fixed			Learn More
Beeline Loans, Inc. NMLS ID: 1799947	Apply in less than 10 minutes. Fast, stress-free closing in as little as 14 days More loan types so you’re more likely to qualify "The smoothest refi experience I’ve ever had" - TR, Houston 15 Yr Fixed			Learn More
Quicken Loans NMLS ID: 167283	Homeowners best kept secret for cash See if a HELOAN could lower payments Access cash without a changing your rate It costs $0 to see how much you could get with a lender 15 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	5.66%	5.38% 0.77 points $0.00 fees	$2,593.49	Learn MoreShow Less See Table View
Bank Of Hope Updated 02/28/2024	6.01%	5.88% 0.00 points $0.00 fees	$2,678.78	Learn MoreShow Less See Table View
Charles Schwab Bank, Ssb Updated 09/08/2023	7.17%	5.94% 2.00 points $3,210.00 fees	$2,689.46	Learn MoreShow Less See Table View
Bank Of America, National Association Updated 05/07/2023	6.29%	6.00% 0.78 points $0.00 fees	$2,700.34	Learn MoreShow Less See Table View
Star One Credit Union Updated 03/01/2024 Restrictions	6.56%	6.05% 0.00 points $0.00 fees	$2,708.47	Learn MoreShow Less See Table View
Oneunited Bank Updated 06/15/2022	6.61%	6.38% 0.00 points $4,876.00 fees	$2,765.60	Learn MoreShow Less See Table View
Citibank, National Association Updated 10/18/2024	6.06%	6.48% 1.00 points $2,739.00 fees	$2,783.67	Learn MoreShow Less See Table View
Logix Credit Union Updated 11/01/2024 Restrictions	6.63%	6.52% 0.00 points $0.00 fees	$2,791.06	Learn MoreShow Less See Table View
Navy Federal Credit Union Credit Union Updated 01/30/2023 Restrictions	6.84%	6.63% 0.50 points $0.00 fees	$2,809.58	Learn MoreShow Less See Table View
First Technology Credit Union Updated 02/06/2023 Restrictions	6.87%	6.63% 0.00 points $0.00 fees	$2,809.58	Learn MoreShow Less See Table View
Educational Employees Credit Union Updated 06/15/2022 Restrictions	6.71%	6.63% 0.00 points $0.00 fees	$2,809.58	Learn MoreShow Less See Table View
Schoolsfirst Credit Union Updated 06/15/2022 Restrictions	6.85%	6.75% 0.00 points $0.00 fees	$2,831.71	Learn MoreShow Less See Table View
Wescom Central Credit Union Updated 06/15/2022 Restrictions	6.83%	6.75% 0.00 points $0.00 fees	$2,831.71	Learn MoreShow Less See Table View
Chevron Credit Union Updated 06/15/2022 Restrictions	6.90%	6.88% 0.00 points $0.00 fees	$2,853.93	Learn MoreShow Less See Table View
Cit Bank, National Association Updated 06/15/2022	6.99%	6.90% 0.17 points $0.00 fees	$2,858.39	Learn MoreShow Less See Table View
Bank Of Stockton Updated 08/11/2023	7.18%	6.92% 0.00 points $0.00 fees	$2,862.67	Learn MoreShow Less See Table View
Wells Fargo Bank, National Association Updated 02/23/2024	7.54%	6.93% 0.00 points $0.00 fees	$2,864.10	Learn MoreShow Less See Table View
San Diego County Credit Union Updated 06/15/2022 Restrictions	7.04%	7.00% 0.00 points $0.00 fees	$2,876.25	Learn MoreShow Less See Table View
Citizens Equity First Credit Union Updated 06/15/2022 Restrictions	7.02%	7.00% 0.00 points $2,936.00 fees	$2,876.25	Learn MoreShow Less See Table View
Mission Credit Union Updated 06/15/2022 Restrictions	7.35%	7.13% 0.00 points $2,784.00 fees	$2,899.56	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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Irvine, California 15-Year Fixed Mortgage Refinance Rates 2025

Irvine, California 15-Year Fixed Conforming Mortgage Refinance

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