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15-Year Fixed Conforming Mortgage Refinance

California 15-Year Fixed Mortgage Refinance Rates 2026

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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California 15-Year Fixed Conforming Mortgage Refinance

January 6, 2026
Average: 5.86% APR

Advertiser Disclosure

Lender	APR	Rate (%)	Monthly Payment^?
Nation Home Loans NMLS ID: 1513908	4.732% 15 Yr Fixed	4.375% Fees & Points $7,814 Total 1.000 Pts: $3,200 $4,614 Fees	$2,428	Learn More See Table View
iheartloan NMLS ID: 2562839	4.830% 15 Yr Fixed	4.625% Fees & Points $4,395 Total 1.000 Pts: $3,200 $1,195 Fees	$2,469	Learn More See Table View
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
Direct Home Lending NMLS ID: 274058	4.898% 15 Yr Fixed	4.750% Fees & Points $3,142 Total 0.796 Pts: $2,547 $595 Fees	$2,490	Learn More See Table View
Different Mortgage NMLS ID: 324599 License#: 324599	4.900% 15 Yr Fixed	4.750% Fees & Points $3,200 Total 1.000 Pts: $3,200 $0 Fees	$2,490	Learn More See Table View
Statewide Funding NMLS ID: 1105497 License#: 603L227	4.976% 15 Yr Fixed	4.750% Fees & Points $4,825 Total 1.000 Pts: $3,200 $1,625 Fees	$2,490	Learn More See Table View
Access Lending Solutions NMLS ID: 245688 License#: 01827612	4.988% 15 Yr Fixed	4.875% Fees & Points $2,400 Total 0.750 Pts: $2,400 $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
Home Simply NMLS ID: 2473786	5.066% 15 Yr Fixed	4.875% Fees & Points $4,065 Total 0.928 Pts: $2,970 $1,095 Fees	$2,510	Learn More See Table View
Northpointe Bank NMLS ID: 447490	5.068% 15 Yr Fixed	4.875% Fees & Points $4,096 Total 0.844 Pts: $2,701 $1,395 Fees	$2,510	Learn More See Table View
Beeline Loans, Inc. NMLS ID: 1799947	5.111% 15 Yr Fixed	4.990% Fees & Points $2,550 Total 0.797 Pts: $2,550 $0 Fees	$2,529	Learn More See Table View
LoanFlight Lending, LLC NMLS ID: 1522344 License#: 60DBO60154	5.129% 15 Yr Fixed	4.990% Fees & Points $2,947 Total 0.921 Pts: $2,947 $0 Fees	$2,529	Learn More See Table View
Zoom Loans NMLS ID: 1312186	5.239% 15 Yr Fixed	5.125% Fees & Points $2,400 Total 0.750 Pts: $2,400 $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
New American Funding, LLC. NMLS ID: 6606	5.385% 15 Yr Fixed	5.240% Fees & Points $3,037 Total 0.949 Pts: $3,037 $0 Fees	$2,571	Learn More See Table View
Mutual of Omaha Mortgage, Inc. NMLS ID: 1025894	5.433% 15 Yr Fixed	5.250% Fees & Points $3,833 Total 0.979 Pts: $3,133 $700 Fees	$2,573	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
Filo Mortgage, L.L.C. NMLS ID: 1928741	6.640% 15 Yr Fixed	6.500% Fees & Points $2,842 Total 0.888 Pts: $2,842 $0 Fees	$2,788	Learn More See Table View
Rocket Mortgage NMLS ID: 3030	Turn home equity you've earned into cash Single, convenient monthly payments Reduce interest with shorter loan terms Get personalized solutions for your goals 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
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
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
CrossCountry Mortgage NMLS ID: 3029	Top 3 Lender: Trusted and established. 19K+ 5-star reviews: Proven customer satisfaction. Wide mortgage selection: Tailored solutions. Unmatched expertise: Your path to homeownership. 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
El Dorado Savings Bank, F.s.b. Updated 01/02/2026	5.39%	5.77% 0.00 points $0.00 fees	$2,660.74	Learn MoreShow Less See Table View
Mufg Union Bank, National Association Updated 10/11/2022	6.64%	5.88% 0.00 points $3,261.00 fees	$2,678.78	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
First Northern Bank Of Dixon Updated 02/24/2023	5.89%	5.89% 0.00 points $0.00 fees	$2,681.19	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
Santander Bank, N.a. Updated 12/20/2022	6.52%	5.99% 2.13 points $4,250.00 fees	$2,698.61	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
Pentagon Credit Union Updated 06/15/2022 Restrictions	6.00%	6.00% 0.00 points $2,784.00 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
Jovia Financial Credit Union Updated 02/28/2023 Restrictions	6.42%	6.25% 0.00 points $0.00 fees	$2,743.75	Learn MoreShow Less See Table View
Redwood Credit Union Updated 01/02/2026 Restrictions	0.10%	6.33% 0.00 points $0.00 fees	$2,756.85	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
Patelco Credit Union Updated 09/22/2023 Restrictions	7.28%	6.39% 0.00 points $0.00 fees	$2,768.23	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
United Nations Credit Union Updated 06/15/2022 Restrictions	6.55%	6.50% 0.00 points $2,784.00 fees	$2,787.54	Learn MoreShow Less See Table View
Virginia Credit Union, Inc., Credit Union Updated 06/15/2022 Restrictions	6.67%	6.50% 0.38 points $2,784.00 fees	$2,787.54	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
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 15-Year Fixed Mortgage Refinance Rates 2026

California 15-Year Fixed Conforming Mortgage Refinance

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