Home
Refinance Mortgage Products
30-Year Fixed Conforming Mortgage Refinance

California 30-Year Fixed Mortgage Refinance Rates 2025

Compare California 30-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.

Loan Amount:

State or Zip:

Advanced

Advanced Mortgage Search

Transaction:

Loan amount value:

House Value

LTV value:

State:

Period:

Loan Type:

Points:

Property Type:

FICO:

Occupancy:

Do you have a property that you're interested in?

Are you currently working with a real estate agent?

California 30-Year Fixed Conforming Mortgage Refinance

November 25, 2025
Average: 6.82% APR

Advertiser Disclosure

Lender	APR	Rate (%)	Monthly Payment^?
Pentagon Federal Credit Union NMLS ID: 401822	Fixed rate is locked-in for the life of the loan PenFed makes home ownership affordable. Federally insured by NCUA Military service is not required for membership. Equal Housing Lender 30 Yr Fixed		$0	Learn More
Saxton Mortgage NMLS ID: 1717191	5.733% 30 Yr Fixed	5.625% Fees & Points $3,903 Total 0.817 Pts: $2,614 $1,289 Fees	$1,843	Learn More See Table View
Approved Home Loans NMLS ID: 1935422 License#: 60DBO-109262	5.826% 30 Yr Fixed	5.625% Fees & Points $7,099 Total 0.567 Pts: $1,814 $5,285 Fees	$1,843	Learn More See Table View
Farmers Bank of Kansas City NMLS ID: 613839	5.863% 30 Yr Fixed	5.750% Fees & Points $3,939 Total 0.641 Pts: $2,051 $1,888 Fees	$1,868	Learn More See Table View
District Lending NMLS ID: 1835285	5.864% 30 Yr Fixed	5.750% Fees & Points $4,000 Total 0.750 Pts: $2,400 $1,600 Fees	$1,868	Learn More See Table View
Access Lending Solutions NMLS ID: 245688 License#: 01827612	5.944% 30 Yr Fixed	5.875% Fees & Points $2,400 Total 0.750 Pts: $2,400 $0 Fees	$1,893	Learn More See Table View
Future First Lending NMLS ID: 2126430	5.967% 30 Yr Fixed	5.875% Fees & Points $3,295 Total 0.625 Pts: $2,000 $1,295 Fees	$1,893	Learn More See Table View
Northpointe Bank NMLS ID: 447490	5.980% 30 Yr Fixed	5.875% Fees & Points $3,629 Total 0.698 Pts: $2,234 $1,395 Fees	$1,893	Learn More See Table View
Home Simply NMLS ID: 2473786	5.994% 30 Yr Fixed	5.875% Fees & Points $4,135 Total 0.950 Pts: $3,040 $1,095 Fees	$1,893	Learn More See Table View
West Capital Lending NMLS ID: 1566096	5.994% 30 Yr Fixed	5.875% Fees & Points $4,137 Total 0.888 Pts: $2,842 $1,295 Fees	$1,893	Learn More See Table View
LoanFlight Lending, LLC NMLS ID: 1522344 License#: 60DBO60154	6.048% 30 Yr Fixed	5.990% Fees & Points $2,003 Total 0.626 Pts: $2,003 $0 Fees	$1,917	Learn More See Table View
Beeline Loans, Inc. NMLS ID: 1799947	6.055% 30 Yr Fixed	5.990% Fees & Points $2,224 Total 0.695 Pts: $2,224 $0 Fees	$1,917	Learn More See Table View
Allied Mortgage Group, Inc. NMLS ID: 1067	6.059% 30 Yr Fixed	5.990% Fees & Points $2,378 Total 0.743 Pts: $2,378 $0 Fees	$1,917	Learn More See Table View
PenFed Credit Union NMLS ID: 401822	6.163% 30 Yr Fixed	6.000% Fees & Points $5,600 Total 0.750 Pts: $2,400 $3,200 Fees	$1,919	Learn More See Table View
Refi.com NMLS ID: 1907 License#: California	6.213% 30 Yr Fixed	6.125% Fees & Points $3,002 Total 0.938 Pts: $3,002 $0 Fees	$1,945	Learn More See Table View
Mutual of Omaha Mortgage, Inc. NMLS ID: 1025894	6.229% 30 Yr Fixed	6.125% Fees & Points $3,564 Total 0.895 Pts: $2,864 $700 Fees	$1,945	Learn More See Table View
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 30 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 30 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 30 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	6.27%	6.13% 0.63 points $0.00 fees	$1,944.35	Learn MoreShow Less See Table View
Charles Schwab Bank, Ssb Updated 11/21/2025	6.17%	6.25% 1.88 points $3,210.00 fees	$1,969.25	Learn MoreShow Less See Table View
El Dorado Savings Bank, F.s.b. Updated 11/21/2025	6.09%	6.34% 0.00 points $0.00 fees	$1,989.06	Learn MoreShow Less See Table View
Star One Credit Union Updated 11/17/2023 Restrictions	7.25%	6.36% 0.00 points $0.00 fees	$1,992.83	Learn MoreShow Less See Table View
Pentagon Credit Union Updated 06/15/2022 Restrictions	6.52%	6.50% 0.00 points $2,784.00 fees	$2,022.62	Learn MoreShow Less See Table View
Jovia Financial Credit Union Updated 02/28/2023 Restrictions	6.60%	6.50% 0.00 points $0.00 fees	$2,022.62	Learn MoreShow Less See Table View
Santander Bank, N.a. Updated 12/20/2022	6.94%	6.63% 2.00 points $4,000.00 fees	$2,049.00	Learn MoreShow Less See Table View
Citibank, National Association Updated 10/18/2024	6.59%	6.72% 0.63 points $2,739.00 fees	$2,068.50	Learn MoreShow Less See Table View
Redwood Credit Union Updated 11/21/2025 Restrictions	0.10%	6.74% 0.00 points $0.00 fees	$2,072.75	Learn MoreShow Less See Table View
Jpmorgan Chase Bank, National Association Updated 02/21/2024	6.96%	6.88% 0.00 points $0.00 fees	$2,102.17	Learn MoreShow Less See Table View
Bank Of America, National Association Updated 05/07/2023	7.05%	6.88% 0.84 points $0.00 fees	$2,102.17	Learn MoreShow Less See Table View
Oneunited Bank Updated 06/15/2022	7.00%	6.88% 0.00 points $4,876.00 fees	$2,102.17	Learn MoreShow Less See Table View
Fremont Bank Updated 05/17/2024	6.77%	6.88% 0.88 points $0.00 fees	$2,103.24	Learn MoreShow Less See Table View
Patelco Credit Union Updated 09/22/2023 Restrictions	7.48%	6.96% 0.00 points $0.00 fees	$2,119.95	Learn MoreShow Less See Table View
First Northern Bank Of Dixon Updated 03/24/2023	7.03%	7.03% 0.00 points $0.00 fees	$2,134.56	Learn MoreShow Less See Table View
Logix Credit Union Updated 11/01/2024 Restrictions	7.21%	7.09% 0.00 points $0.00 fees	$2,148.34	Learn MoreShow Less See Table View
Mufg Union Bank, National Association Updated 10/11/2022	7.57%	7.13% 0.00 points $3,874.00 fees	$2,155.90	Learn MoreShow Less See Table View
Educational Employees Credit Union Updated 06/15/2022 Restrictions	7.17%	7.13% 0.00 points $0.00 fees	$2,155.90	Learn MoreShow Less See Table View
Safe Credit Union Updated 06/15/2022 Restrictions	7.26%	7.13% 0.50 points $0.00 fees	$2,155.90	Learn MoreShow Less See Table View
Virginia Credit Union, Inc., Credit Union Updated 06/15/2022 Restrictions	7.26%	7.13% 1.00 points $2,784.00 fees	$2,156.98	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.

Mortgage Resources

The Insider's Guide to Mortgages

Download

Mortgage Refinancing Resources

California 30-Year Fixed Mortgage Refinance Rates 2025

California 30-Year Fixed Conforming Mortgage Refinance

Products by State