Commerce, California Mortgage Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Commerce, California mortgage rates range from 4.50% to 9.62%, verified by MonitorBankRates as of October 12, 2026. Current 30-year fixed mortgage rates in Commerce, California include Certified Federal Credit UnionCertified Federal Credit Union4820 S Eastern Ave Ste L, Commerce, CA, 90040 2933A+5.0 ★Texas Ratio: 1.07% at 6.50%, Educational Employees Credit UnionEducational Employees Credit UnionA+5.0 ★Texas Ratio: 0.58% at 5.75%, Actors Federal Credit UnionActors Federal Credit UnionA-5.0 ★Texas Ratio: 15.48% at 5.79%, Safe 1 Credit UnionSafe 1 Credit UnionA+5.0 ★Texas Ratio: 1.69% at 6.00%, and Partners Federal Credit UnionPartners Federal Credit UnionA+5.0 ★Texas Ratio: 4.65% at 6.482%. Mortgage rates as of October 12, 2026 according to verified data from MonitorBankRates.
Commerce borrowers can compare 330 mortgage rates from 59 lenders serving the California area, including 2 local, with rates as low as 5.75% from Certified Federal Credit Union at 4820 S Eastern Ave Ste L, Commerce, CA, 90040 2933. Use the tabs below to compare all available loan types and terms. Rates are continually updated, so we recommend checking back frequently.
Mortgage Rates reflect actual verified offers from lenders actively lending to California borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: October 12, 2026
Compare Mortgage Rates Today in Commerce, California & the Surrounding Area
Commerce 30 Year Fixed Mortgage Rates
Loan amount not to exceed $499,999
- Oct 8, 20266.63%▲ from 6.38%
- Sep 17, 20266.38%▲ from 5.91%
- Sep 14, 20265.91%first recorded
No additional details available.
No additional details available.
No additional details available.
No additional details available.
My Rate FL Average - 30 Yr Fixed: 6.986% APR *
Published APR range: As low as 6.697%.
- Oct 8, 20266.70%▲ from 6.50%
- Sep 17, 20266.50%first recorded
Monthly payment of $3,202 per month per $500,000 borrowed is based on a conforming 30-year fixed term at a 6.625% interest rate (6.701% APR) and reflects principal and interest payments only. Payment example does not include taxes, insurance, or homeowners association dues, and the actual payment obligation may be greater.
(2)
- Oct 10, 20266.84%▲ from 6.59%
- Sep 27, 20266.59%▼ from 7.01%
- Sep 22, 20267.01%▲ from 6.82%
- Sep 14, 20266.82%first recorded
No additional details available.
No additional details available.
- Sep 25, 20266.88%▲ from 6.50%
- Sep 16, 20266.50%first recorded
No additional details available.
No additional details available.
Term: FHA 30 Year Fixed Rate; Government
Conforming
No additional details available.
Additional APR listed for this product: 7.193%.
No additional details available.
- Sep 25, 20267.11%▲ from 6.73%
- Sep 16, 20266.73%first recorded
Loan rates are based on term and applicant credit history. All loans are subject to credit approval, Loan-To-Value (LTV) requirements, and all other Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Loans are available in Arizona, California, Colorado, Idaho, Nevada, Oregon, Utah, and Washington. No prepayment penalty. APR = Annual Percentage Rate. ARM = Adjustable Rate Mortgage. Adjustable Rate Mortgages are variable and the Annual Percentage Rate (APR) may increase after the initial fixed rate period.
- Sep 25, 20267.11%▲ from 6.73%
- Sep 16, 20266.73%first recorded
No additional details available.
No additional details available.
- Oct 9, 20267.20%▲ from 6.95%
- Oct 2, 20266.95%▲ from 6.82%
- Sep 29, 20266.82%▲ from 6.70%
- Sep 18, 20266.70%▲ from 6.35%
On a typical loan of $500,000.00
- Oct 1, 20267.23%▲ from 7.10%
- Sep 27, 20267.10%▲ from 6.72%
- Sep 15, 20266.72%first recorded
No additional details available.
No additional details available.
- Oct 9, 20267.23%▼ from 7.24%
- Sep 29, 20267.24%first recorded
No additional details available.
- Oct 1, 20267.27%▲ from 6.90%
- Sep 18, 20266.90%first recorded
No additional details available.
- Oct 9, 20267.28%▲ from 7.15%
- Oct 2, 20267.15%▲ from 7.02%
- Sep 29, 20267.02%▲ from 6.77%
- Sep 18, 20266.77%▲ from 6.52%
All loans are contingent on approval, rates, terms, conditions, and are subject to change at any time and without notice. Your rate is not final until you have received a Locked Commitment (30, 45, or 60) day commitments available). APR* examples above are based on an owner-occupied, detached single family residence, Purchase or Limited Cash Out refinance, loan amount of $450,000 at a maximum 60% Loan to Value (LTV), minimum Credit Score of 720 and 30-day lock commitment. Disclosed APR* includes 15 days of estimated prepaid interest. Final rate will depend on factors including market conditions, specific characteristics of the loan transaction, and Private Mortgage Insurance for loans over 80% LTV. For 30-Year loans less than $275,000, 20-year less than $176,000, and 15-year less than $201,000, please contact your Loan Officer for the discounted interest rates and APRs. For purchases, the minimum down payment is 3.0% of purchase price; for refinances, maximum LTV is 97%. Limited Cash Out is receiving cash back in an amount that is not more than the lesser of 2% of the new refinance loan amount or $2,000.
- Oct 10, 20267.31%▲ from 6.94%
- Sep 18, 20266.94%first recorded
Government
Amount: $50,000 to $832,750
- Oct 10, 20267.34%▼ from 7.60%
- Oct 2, 20267.60%▲ from 7.09%
- Sep 14, 20267.09%first recorded
No additional details available.
- Oct 9, 20267.35%▲ from 7.23%
- Oct 2, 20267.23%▲ from 7.10%
- Sep 29, 20267.10%▲ from 6.85%
- Sep 18, 20266.85%▲ from 6.70%
No additional details available.
- Oct 9, 20267.36%▼ from 7.41%
- Oct 5, 20267.41%▲ from 7.39%
- Sep 29, 20267.39%▲ from 7.35%
- Sep 25, 20267.35%▲ from 7.03%
The rates below are for primary residences located in North or South Carolina. If you are looking for properties outside of these areas, please contact us directly at 800-765-4527 x 1525 . Our team will be happy to assist you with customized rates tailored to your specific location and requirements!; The Annual Percentage Rate, or APR, for the loan programs shown reflects the interest rate and approximate cost of prepaid finance charges. These charges include a 1% Origination Fee but do not include other closing costs or discount points.
- Oct 2, 20267.39%▲ from 6.58%
- Sep 18, 20266.58%first recorded
No additional details available.
- Oct 9, 20267.40%▲ from 7.27%
- Oct 2, 20267.27%▼ from 7.40%
- Sep 29, 20267.40%first recorded
No additional details available.
- Oct 1, 20267.40%▲ from 7.27%
- Sep 27, 20267.27%▲ from 7.02%
- Sep 18, 20267.02%first recorded
No additional details available.
- Oct 10, 20267.40%▲ from 7.02%
- Sep 18, 20267.02%first recorded
No additional details available.
- Oct 10, 20267.40%▼ from 7.55%
- Oct 2, 20267.55%▲ from 7.42%
- Oct 1, 20267.42%▲ from 7.30%
- Sep 27, 20267.30%▲ from 7.17%
Conventional Fixed
No additional details available.
- Oct 9, 20267.42%▼ from 7.68%
- Oct 2, 20267.68%▲ from 7.55%
- Oct 1, 20267.55%▲ from 7.17%
- Sep 18, 20267.17%▲ from 7.04%
No additional details available.
- Oct 10, 20267.42%▼ from 7.55%
- Oct 2, 20267.55%▲ from 7.42%
- Oct 1, 20267.42%▲ from 7.30%
- Sep 27, 20267.30%▲ from 7.17%
No additional details available.
- Oct 1, 20267.43%▲ from 7.05%
- Sep 18, 20267.05%first recorded
No additional details available.
Conventional Fixed
- Oct 9, 20267.44%▼ from 8.05%
- Oct 5, 20268.05%▲ from 7.44%
- Sep 29, 20267.44%first recorded
No additional details available.
No additional details available.
- Oct 1, 20267.46%▲ from 6.95%
- Sep 14, 20266.95%first recorded
No additional details available.
- Oct 9, 20267.47%▲ from 7.35%
- Oct 5, 20267.35%▼ from 7.47%
- Oct 2, 20267.47%▲ from 7.35%
- Sep 29, 20267.35%▲ from 7.22%
As low as
- Oct 2, 20267.48%▲ from 7.35%
- Oct 1, 20267.35%▲ from 7.10%
- Sep 18, 20267.10%▲ from 6.97%
- Sep 14, 20266.97%first recorded
$6.91 Payment/$1,000
- Oct 2, 20267.48%▼ from 7.53%
- Sep 27, 20267.53%▲ from 7.38%
- Sep 18, 20267.38%▲ from 7.25%
- Sep 14, 20267.25%first recorded
No additional details available.
Additional APR listed for this product: 7.55%. Estimated Payment Per $1,000 Borrowed: $6.99
- Oct 9, 20267.52%▲ from 7.04%
- Sep 18, 20267.04%first recorded
No additional details available.
- Oct 9, 20267.52%▼ from 7.55%
- Oct 2, 20267.55%▲ from 7.52%
- Sep 29, 20267.52%▲ from 7.05%
- Sep 17, 20267.05%▲ from 7.02%
Commerce 15 Year Fixed Mortgage Rates
Loan amount not to exceed $499,999
- Oct 8, 20265.95%▲ from 5.70%
- Sep 17, 20265.70%▲ from 5.32%
- Sep 14, 20265.32%first recorded
Loan amounts of $25,000 to $250,000
- Sep 17, 20267.23%▲ from 6.98%
- Sep 14, 20266.98%first recorded
No additional details available.
No additional details available.
No additional details available.
(3)
- Oct 10, 20266.20%▲ from 6.02%
- Sep 27, 20266.02%▼ from 6.36%
- Sep 22, 20266.36%▲ from 6.19%
- Sep 14, 20266.19%first recorded
No additional details available.
- Oct 12, 20266.25%▼ from 6.38%
- Oct 8, 20266.38%▲ from 6.25%
- Sep 25, 20266.25%▲ from 5.88%
- Sep 16, 20265.88%first recorded
No additional details available.
Additional APR listed for this product: 6.505%. Conventional Fixed
- Oct 5, 20266.35%▼ from 6.59%
- Sep 29, 20266.59%first recorded
No additional details available.
No additional details available.
Published APR range: As low as 6.571%.
- Oct 8, 20266.57%▲ from 6.25%
- Sep 17, 20266.25%first recorded
No additional details available.
- Oct 1, 20266.61%▲ from 6.36%
- Sep 18, 20266.36%first recorded
Loan rates are based on term and applicant credit history. All loans are subject to credit approval, Loan-To-Value (LTV) requirements, and all other Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Loans are available in Arizona, California, Colorado, Idaho, Nevada, Oregon, Utah, and Washington. No prepayment penalty. APR = Annual Percentage Rate. ARM = Adjustable Rate Mortgage. Adjustable Rate Mortgages are variable and the Annual Percentage Rate (APR) may increase after the initial fixed rate period.
- Oct 4, 20266.67%▲ from 6.16%
- Sep 16, 20266.16%first recorded
No additional details available.
- Sep 29, 20266.70%▲ from 6.44%
- Sep 18, 20266.44%▲ from 5.94%
- Sep 14, 20265.94%first recorded
No additional details available.
- Oct 1, 20266.70%▲ from 6.45%
- Sep 18, 20266.45%first recorded
No additional details available.
- Sep 29, 20266.74%▲ from 6.49%
- Sep 18, 20266.49%▲ from 5.99%
- Sep 14, 20265.99%first recorded
No additional details available.
- Oct 10, 20266.75%▲ from 6.52%
- Sep 14, 20266.52%first recorded
No additional details available.
- Oct 9, 20266.76%▼ from 6.86%
- Oct 5, 20266.86%▲ from 6.84%
- Oct 2, 20266.84%▼ from 6.86%
- Sep 29, 20266.86%▲ from 6.84%
No additional details available.
- Sep 29, 20266.79%▲ from 6.53%
- Sep 18, 20266.53%▲ from 6.03%
- Sep 14, 20266.03%first recorded
No additional details available.
- Oct 10, 20266.79%▼ from 6.95%
- Oct 2, 20266.95%▲ from 6.83%
- Sep 27, 20266.83%▲ from 6.58%
- Sep 18, 20266.58%▲ from 6.45%
No additional details available.
- Oct 1, 20266.83%▲ from 6.00%
- Sep 22, 20266.00%▼ from 6.32%
- Sep 14, 20266.32%first recorded
No additional details available.
- Oct 10, 20266.83%▼ from 6.95%
- Oct 2, 20266.95%▲ from 6.83%
- Sep 27, 20266.83%▲ from 6.58%
- Sep 18, 20266.58%▲ from 6.45%
No additional details available.
- Oct 10, 20266.83%▲ from 6.58%
- Sep 22, 20266.58%first recorded
No additional details available.
$11.42 Payment/$1,000
- Sep 27, 20266.85%▲ from 6.75%
- Sep 18, 20266.75%▲ from 6.60%
- Sep 14, 20266.60%first recorded
No additional details available.
$11.48 Payment/$1,000
- Sep 27, 20266.89%▲ from 6.75%
- Sep 18, 20266.75%▲ from 6.60%
- Sep 14, 20266.60%first recorded
Additional APR listed for this product: 7.036%. $8.92 Payment/$1,000
- Sep 27, 20266.92%▲ from 6.75%
- Sep 18, 20266.75%▲ from 6.60%
- Sep 14, 20266.60%first recorded
No additional details available.
Estimated Payment Per $1,000 Borrowed: $8.92
- Oct 9, 20266.96%▲ from 6.57%
- Sep 18, 20266.57%first recorded
The rates below are for primary residences located in North or South Carolina. If you are looking for properties outside of these areas, please contact us directly at 800-765-4527 x 1525 . Our team will be happy to assist you with customized rates tailored to your specific location and requirements!; The Annual Percentage Rate, or APR, for the loan programs shown reflects the interest rate and approximate cost of prepaid finance charges. These charges include a 1% Origination Fee but do not include other closing costs or discount points.
- Oct 2, 20266.97%▲ from 6.20%
- Sep 18, 20266.20%first recorded
All loans are contingent on approval, rates, terms, conditions, and are subject to change at any time and without notice. Your rate is not final until you have received a Locked Commitment (30, 45, or 60) day commitments available). APR* examples above are based on an owner-occupied, detached single family residence, Purchase or Limited Cash Out refinance, loan amount of $450,000 at a maximum 60% Loan to Value (LTV), minimum Credit Score of 720 and 30-day lock commitment. Disclosed APR* includes 15 days of estimated prepaid interest. Final rate will depend on factors including market conditions, specific characteristics of the loan transaction, and Private Mortgage Insurance for loans over 80% LTV. For 30-Year loans less than $275,000, 20-year less than $176,000, and 15-year less than $201,000, please contact your Loan Officer for the discounted interest rates and APRs. For purchases, the minimum down payment is 3.0% of purchase price; for refinances, maximum LTV is 97%. Limited Cash Out is receiving cash back in an amount that is not more than the lesser of 2% of the new refinance loan amount or $2,000.
- Oct 10, 20266.97%▲ from 6.72%
- Sep 18, 20266.72%first recorded
No additional details available.
- Sep 27, 20266.99%▲ from 6.74%
- Sep 18, 20266.74%first recorded
No additional details available.
- Oct 10, 20266.99%▲ from 6.74%
- Sep 18, 20266.74%first recorded
Rates shown include 0.125% autopay and paperless discount.
- Oct 7, 20266.99%▲ from 6.49%
- Sep 15, 20266.49%first recorded
Additional APR listed for this product: 7.101%. $8.99 Payment/$1,000
- Sep 27, 20267.00%▲ from 6.75%
- Sep 18, 20266.75%▲ from 6.60%
- Sep 14, 20266.60%first recorded
Amount: $832,751 to $1,249,125
- Oct 2, 20267.01%▲ from 6.63%
- Sep 14, 20266.63%first recorded
Amount: $50,000 to $832,750
- Oct 2, 20267.02%▲ from 6.64%
- Sep 18, 20266.64%▲ from 6.51%
- Sep 14, 20266.51%first recorded
No additional details available.
- Oct 5, 20267.03%▼ from 7.16%
- Sep 29, 20267.16%▲ from 7.03%
- Sep 25, 20267.03%▲ from 6.65%
- Sep 17, 20266.65%▲ from 6.53%
Estimated Payment Per $1,000 Borrowed: $8.99
- Oct 9, 20267.03%▲ from 6.57%
- Sep 18, 20266.57%first recorded
On a typical loan of $500,000.00
- Oct 1, 20267.04%▲ from 6.91%
- Sep 27, 20266.91%▲ from 6.54%
- Sep 15, 20266.54%first recorded
No additional details available.
- Oct 1, 20267.04%▲ from 6.54%
- Sep 14, 20266.54%first recorded
No additional details available.
- Oct 10, 20267.04%▲ from 6.79%
- Sep 22, 20266.79%first recorded
No additional details available.
- Oct 9, 20267.05%▲ from 6.92%
- Oct 5, 20266.92%▼ from 7.05%
- Oct 2, 20267.05%▲ from 6.92%
- Sep 29, 20266.92%▲ from 6.79%
From $50K to $832,750
- Oct 9, 20267.07%▼ from 7.20%
- Oct 2, 20267.20%▲ from 7.07%
- Oct 1, 20267.07%▲ from 6.70%
- Sep 22, 20266.70%▲ from 6.58%
No additional details available.
- Sep 27, 20267.08%▲ from 6.83%
- Sep 18, 20266.83%first recorded
No additional details available.
- Oct 10, 20267.08%▲ from 6.83%
- Sep 18, 20266.83%first recorded
Rates updated 10/05/2026. Rates subject to change daily. Rates and payments listed above are based on a rate and term refinance on an Single Family Residence, with a $500,000 loan amount, a 720 FICO score, a 60% LTV ratio, and <40% DTI ratio. Files are underwritten on a case by case basis. All applications are subject to credit, income, asset, and property approval. Payments listed are for principal and interest only. Tax and insurance impounds are available and are required on some scenarios. Adjustable rate mortgages (ARM's) are variable interest rate loans. The rate and payment is subject to change during the term of the loan. Our 5/1 ARM, for example, has a total term of 30 years, with an introductory fixed rate period for 5 years, then converts to a variable rate mortgage for the remaining 25 years, adjusting once per year. Our 40 year 10/1 ARM has a total term of 40 years, with an introductory fixed rate period for 10 years, then converts to a variable rate mortgage for the remaining 30 years, adjusting once per year. Property insurance is required on all financed properties. Maximum loan limits apply. Additional programs and rates available, call for info. Payments listed are for principal and interest only. Adjustable rate mortgages (ARM's) are variable interest rate loans. The rate and payment is subject to change during the term of the loan. Our 5/1 ARM, for example, has a total term of 30 years, with an introductory fixed rate period for 5 years, then converts to a variable rate mortgage for the remaining 25 years, adjusting once per year. Our 40 year 10/1 ARM has a total term of 40 years, with an introductory fixed-rate period for 10 years, then converts to a variable rate mortgage for the remaining 30 years, adjusting once per year.
No additional details available.
Commerce 5/1 ARM Mortgage Rates
No additional details available.
Payment assumptions: 720 FICO score, primary residence, 80% LTV/CLTV, and a 1-unit single-family residence. $600,000 loan amount with estimated closing costs of $12,800.00. This payment does not include impounds for property taxes or insurance.
Conforming
Loan Amount: $100,000 - $832,750; California owner-occupied property only
- Oct 10, 20265.75%▲ from 5.38%
- Sep 14, 20265.38%first recorded
As low as; 15/15 Adjustable Rate Mortgages
Rates updated 10/05/2026. Rates subject to change daily. Rates and payments listed above are based on a rate and term refinance on an Single Family Residence, with a $500,000 loan amount, a 720 FICO score, a 60% LTV ratio, and <40% DTI ratio. Files are underwritten on a case by case basis. All applications are subject to credit, income, asset, and property approval. Payments listed are for principal and interest only. Tax and insurance impounds are available and are required on some scenarios. Adjustable rate mortgages (ARM's) are variable interest rate loans. The rate and payment is subject to change during the term of the loan. Our 5/1 ARM, for example, has a total term of 30 years, with an introductory fixed rate period for 5 years, then converts to a variable rate mortgage for the remaining 25 years, adjusting once per year. Our 40 year 10/1 ARM has a total term of 40 years, with an introductory fixed rate period for 10 years, then converts to a variable rate mortgage for the remaining 30 years, adjusting once per year. Property insurance is required on all financed properties. Maximum loan limits apply. Additional programs and rates available, call for info. Payments listed are for principal and interest only. Adjustable rate mortgages (ARM's) are variable interest rate loans. The rate and payment is subject to change during the term of the loan. Our 5/1 ARM, for example, has a total term of 30 years, with an introductory fixed rate period for 5 years, then converts to a variable rate mortgage for the remaining 25 years, adjusting once per year. Our 40 year 10/1 ARM has a total term of 40 years, with an introductory fixed-rate period for 10 years, then converts to a variable rate mortgage for the remaining 30 years, adjusting once per year.
Published APR range: As low as 6.003%.
- Oct 8, 20266.00%▲ from 5.75%
- Sep 17, 20265.75%first recorded
Loan rates are based on term and applicant credit history. All loans are subject to credit approval, Loan-To-Value (LTV) requirements, and all other Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Loans are available in Arizona, California, Colorado, Idaho, Nevada, Oregon, Utah, and Washington. No prepayment penalty. APR = Annual Percentage Rate. ARM = Adjustable Rate Mortgage. Adjustable Rate Mortgages are variable and the Annual Percentage Rate (APR) may increase after the initial fixed rate period.
5.875% / 6.950% Rate; $5.92 / $6.54 Payment/$1,000
- Oct 10, 20266.11%▼ from 6.25%
- Oct 2, 20266.25%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.02%
- Sep 22, 20266.02%▼ from 6.13%
Margin: 2.500%; Caps: 2/2/6
- Oct 10, 20266.17%▲ from 6.05%
- Oct 1, 20266.05%▼ from 6.30%
- Sep 27, 20266.30%▲ from 6.17%
- Sep 18, 20266.17%▲ from 6.05%
Margin: 2.500%; Caps: 2/2/6
- Oct 10, 20266.17%▲ from 6.05%
- Oct 1, 20266.05%▼ from 6.30%
- Sep 27, 20266.30%first recorded
The index for Adjustable Rate Mortgages is the One-Year Constant Maturity Treasury Rate. The current Index Value is 3.91% as of 07/10/2026 and is subject to change with out notice. Monthly payments may increase corresponding to changes in the rates. The maximum rate and APR over the life of the loan is 4% from the start rate.
Interest rates shown are for informational purposes only and are based on a single-family detached, owner occupied property located in California, LTV of 60%, and a credit score of at least 740. Certain interest rate and/or discount point adjustments may apply depending on loan features, LTV and credit worthiness. Maximum loan-to-value (LTV) will vary by product. APR calculations assume a loan amount of $300,000 plus fees and funding at month-end.
Loan Amount: $100,000 - $832,750; Up to 80% financing; California owner-occupied property only
No additional details available.
- Oct 9, 20266.25%▼ from 7.03%
- Sep 22, 20267.03%first recorded
Margin: 2.375%; Caps: 2/2/5
- Oct 10, 20266.30%▲ from 6.17%
- Oct 1, 20266.17%▼ from 6.40%
- Sep 27, 20266.40%▲ from 6.30%
- Sep 18, 20266.30%▲ from 6.17%
Margin: 2.375%; Caps: 2/2/5
- Oct 10, 20266.30%▲ from 6.17%
- Oct 1, 20266.17%▼ from 6.40%
- Sep 27, 20266.40%first recorded
Rates effective as of October 9, 2026. Index Source = 30 Day SOFR. Margin = 2.500. Index Rate = 3.815%. Fully Indexed Rate = 3.815% + 2.500 = 6.315%. 5/6 Annual Cap = 2.000%. 7/1 and 10/1 Initial Rate Cap Maximum = 5.000%; then 2.000% thereafter. Life Cap = 5.000% over initial rate.
- Oct 10, 20266.32%▲ from 6.25%
- Oct 2, 20266.25%▲ from 6.25%
- Oct 1, 20266.25%▲ from 6.21%
- Sep 27, 20266.21%▲ from 6.15%
Published APR range: As low as 6.368%.
- Oct 8, 20266.37%▲ from 5.50%
- Sep 17, 20265.50%first recorded
As low as 3% down payment; Initial interest rate is fixed for the first five years of your mortgage. After that, your rate adjusts, based on market conditions, once every five years. Representative Payment Example at Current Market Rates: For a $400,000 loan at an initial discounted interest rate of 6.000% and APR of 6.379%, the monthly payment schedule would be 60 payments of $2,398.20 followed by 300 payments of $2,870.01 at an interest rate of 7.990% (based on current market rates). This example assumes no change in the rate after the second 5-year adjustment period; however, the interest rate may change every 5 years based on changes in the Index; your payment can change every 5 years based on changes in the interest rate. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes, homeowner's insurance, flood and private mortgage insurance if applicable. Eligible properties are primary residence single-family homes and Planned Unit Development (PUD) properties.
Rate (as low as): 6.250%; Est. Payments Per $1,000*: $6.16
Rate (as low as): 6.250%; Est. Payments Per $1,000*: $6.16
Rate (as low as): 6.375%; Est. Payments Per $1,000*: $6.24
Rate (as low as): 6.375%; Est. Payments Per $1,000*: $6.24
Rate (as low as): 6.375%; Est. Payments Per $1,000*: $6.24
Loan Amount: $832,751 - $1,249,125; Up to 80% financing; California owner-occupied property only
Rate may be increased after closing
5/5 ARM
- Oct 9, 20266.56%▲ from 6.37%
- Sep 25, 20266.37%▲ from 6.19%
- Sep 18, 20266.19%first recorded
No additional details available.
No additional details available.
- Oct 2, 20266.62%▼ from 6.69%
- Oct 1, 20266.69%▲ from 6.62%
- Sep 18, 20266.62%▲ from 6.47%
- Sep 14, 20266.47%first recorded
No additional details available.
- Oct 2, 20266.62%▼ from 6.69%
- Oct 1, 20266.69%first recorded
No additional details available.
On a typical loan of $500,000.00, then 300 monthly payments with a rate of 6.500% and payments of $3,164.85
- Oct 1, 20266.65%▲ from 6.60%
- Sep 27, 20266.60%first recorded
Rate (as low as): 6.750%; Est. Payments Per $1,000*: $6.49
Amount: $50,000 to $832,750
- Oct 10, 20266.68%▲ from 6.31%
- Sep 14, 20266.31%first recorded
Rate (as low as): 6.750%; Est. Payments Per $1,000*: $6.49
No Closing Cost, Rate may be increased after closing
Annual Percentage Rate (APR). Current rate 5.625% (6.705% APR) is subject to change. For example on a 30-year 5/5 ARM loan of $300,000, you would make 360 monthly payments. The monthly payment in the first five years would be $1,726.97 and would be adjusted after the fifth year.
- Oct 10, 20266.71%▲ from 6.58%
- Sep 27, 20266.58%▲ from 6.43%
- Sep 22, 20266.43%▼ from 6.53%
- Sep 18, 20266.53%▲ from 6.46%
Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.520%
- Oct 2, 20266.73%▲ from 6.53%
- Sep 21, 20266.53%first recorded
All loans are contingent on approval, rates, terms, conditions, and are subject to change at any time and without notice. Your rate is not final until you have received a Locked Commitment (30, 45, or 60) day commitments available). APR* examples above are based on an owner-occupied, detached single family residence, Purchase or Limited Cash Out refinance, loan amount of $450,000 at a maximum 60% Loan to Value (LTV), minimum Credit Score of 720 and 30-day lock commitment. Disclosed APR* includes 15 days of estimated prepaid interest. Final rate will depend on factors including market conditions, specific characteristics of the loan transaction, and Private Mortgage Insurance for loans over 80% LTV. For 30-Year loans less than $275,000, 20-year less than $176,000, and 15-year less than $201,000, please contact your Loan Officer for the discounted interest rates and APRs. For purchases, the minimum down payment is 3.0% of purchase price; for refinances, maximum LTV is 97%. Limited Cash Out is receiving cash back in an amount that is not more than the lesser of 2% of the new refinance loan amount or $2,000. **For AdjustableRate Mortgages (ARM) only: APR = Annual Percentage Rate. Rates are variable and subject to change without notice.
Amount: $50,000 to $832,750
- Oct 10, 20266.73%▲ from 6.31%
- Sep 14, 20266.31%first recorded
NY ONLY - APR*: 6.625%
No additional details available.
- Oct 7, 20266.76%▲ from 6.75%
- Oct 1, 20266.75%first recorded
Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.520%; Estimated Payment Per $1,000 Borrowed: $5.92 (1st 60 payments)
Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.520%; Estimated Payment Per $1,000 Borrowed: $6.00 (1st 60 payments)
- Oct 9, 20266.78%▼ from 6.81%
- Oct 5, 20266.81%▲ from 6.78%
- Oct 2, 20266.78%▲ from 6.74%
- Sep 29, 20266.74%▲ from 6.69%
Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.520%
- Oct 5, 20266.81%▲ from 6.78%
- Oct 2, 20266.78%▲ from 6.74%
- Sep 29, 20266.74%▲ from 6.69%
- Sep 25, 20266.69%▲ from 6.62%
No additional details available.
- Oct 9, 20266.82%▼ from 6.89%
- Oct 2, 20266.89%▲ from 6.82%
- Oct 1, 20266.82%▲ from 6.74%
- Sep 18, 20266.74%▲ from 6.67%
No additional details available.
- Oct 9, 20266.82%▼ from 6.89%
- Oct 2, 20266.89%▲ from 6.82%
- Oct 1, 20266.82%first recorded
No additional details available.
- Sep 27, 20266.82%▲ from 6.49%
- Sep 14, 20266.49%first recorded
No additional details available.
- Oct 9, 20266.84%▲ from 6.57%
- Sep 14, 20266.57%first recorded
Commerce 30-Year Jumbo Mortgage Rates
ARM rates, APRs and monthly payments are subject to increase after the initial fixed-rate period of five, seven, or 10 years and assume a 30-year term.
ARM rates, APRs and monthly payments are subject to increase after the initial fixed-rate period of five, seven, or 10 years and assume a 30-year term.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Jumbo loans are loans exceeding $832,750. Rates are subject to change without notice and are based upon borrower qualifications and credit review. Rate posted assumes the purpose of the loan is to purchase a primary residence, loan amount of $900,000, Loan to Value of 60% or less, Debt to Income ratio of less than 40%, credit score of 780 or above. APR is based on a $900,000 loan amount. Rates also available for Non-Owner Occupied.
No additional details available.
Jumbo loans are loans exceeding $832,750. Rates are subject to change without notice and are based upon borrower qualifications and credit review. Rate posted assumes the purpose of the loan is to purchase a primary residence, loan amount of $900,000, Loan to Value of 60% or less, Debt to Income ratio of less than 40%, credit score of 780 or above. APR is based on a $900,000 loan amount. Rates also available for Non-Owner Occupied.
No additional details available.
Margin: 2.500%; Caps: 2/2/6
- Oct 10, 20266.40%▲ from 6.27%
- Oct 1, 20266.27%▼ from 6.52%
- Sep 27, 20266.52%first recorded
Amount: $832,751 to $2,500,000
- Oct 10, 20266.49%▲ from 6.12%
- Sep 14, 20266.12%first recorded
Amount: $832,751 to $2,500,000
- Oct 10, 20266.56%▲ from 6.12%
- Sep 14, 20266.12%first recorded
No additional details available.
Published APR range: As low as 6.565%; Published rate range: As low as 6.375%. Rate 1 7 Years; Current Calculation of Rate Remaining Term: 7.375%
No additional details available.
No additional details available.
- Oct 2, 20266.65%▼ from 6.71%
- Oct 1, 20266.71%▲ from 6.65%
- Sep 18, 20266.65%first recorded
Amount: $832,751 to $2,500,000
- Oct 10, 20266.65%▲ from 6.28%
- Sep 14, 20266.28%first recorded
No additional details available.
No additional details available.
Amount: $832,751 to $2,500,000
- Oct 10, 20266.74%▲ from 6.28%
- Sep 14, 20266.28%first recorded
Published APR range: As low as 6.830%; Published rate range: As low as 6.625%. Rate 1 7 Years; Current Calculation of Rate Remaining Term: 7.375%
No additional details available.
Payment Example: 3/5 Jumbo ARM Payment Example
- Oct 6, 20266.87%▲ from 6.77%
- Sep 30, 20266.77%first recorded
No additional details available.
- Oct 9, 20266.87%▲ from 6.80%
- Oct 5, 20266.80%▲ from 6.55%
- Sep 17, 20266.55%first recorded
Loan amounts up to $2.5 million; Purchase | No cash-out refinance | Single-family home | Primary residence
- Oct 10, 20266.88%▼ from 6.91%
- Sep 27, 20266.91%▼ from 6.92%
- Sep 14, 20266.92%first recorded
No additional details available.
Amount: $832,751 to $2,500,000
- Oct 10, 20266.94%▲ from 6.57%
- Sep 14, 20266.57%first recorded
No additional details available.
- Oct 10, 20267.02%▲ from 6.64%
- Sep 18, 20266.64%▲ from 6.52%
- Sep 14, 20266.52%first recorded
Amount: $832,751 to $2,500,000
- Oct 10, 20267.11%▲ from 6.57%
- Sep 14, 20266.57%first recorded
No additional details available.
- Oct 10, 20267.18%▲ from 6.80%
- Sep 18, 20266.80%▲ from 6.67%
- Sep 14, 20266.67%first recorded
Jumbo / High-Balance
All loans are contingent on approval, rates, terms, conditions, and are subject to change at any time and without notice. Your rate is not final until you have received a Locked Commitment (30, 45, or 60) day commitments available). APR* examples above are based on an owner-occupied, detached single family residence, Purchase or Limited Cash Out refinance, loan amount of $450,000 at a maximum 60% Loan to Value (LTV), minimum Credit Score of 720 and 30-day lock commitment. Disclosed APR* includes 15 days of estimated prepaid interest. Final rate will depend on factors including market conditions, specific characteristics of the loan transaction, and Private Mortgage Insurance for loans over 80% LTV. For 30-Year loans less than $275,000, 20-year less than $176,000, and 15-year less than $201,000, please contact your Loan Officer for the discounted interest rates and APRs. For purchases, the minimum down payment is 3.0% of purchase price; for refinances, maximum LTV is 97%. Limited Cash Out is receiving cash back in an amount that is not more than the lesser of 2% of the new refinance loan amount or $2,000.
- Oct 10, 20267.29%▲ from 6.92%
- Sep 18, 20266.92%first recorded
Additional APR listed for this product: 7.42%.
No additional details available.
- Oct 9, 20267.43%▲ from 7.30%
- Oct 5, 20267.30%▼ from 7.43%
- Oct 2, 20267.43%▲ from 7.30%
- Sep 29, 20267.30%▲ from 7.18%
No additional details available.
- Oct 9, 20267.47%▼ from 7.63%
- Oct 1, 20267.63%▲ from 7.22%
- Sep 22, 20267.22%first recorded
No additional details available.
- Oct 9, 20267.58%▲ from 7.21%
- Sep 14, 20267.21%first recorded
No additional details available.
- Sep 29, 20267.67%▲ from 7.29%
- Sep 18, 20267.29%▲ from 7.17%
- Sep 14, 20267.17%first recorded
Amount: $832,751 to $2,500,000
- Oct 2, 20267.71%▲ from 7.08%
- Sep 14, 20267.08%first recorded
No additional details available.
- Oct 1, 20267.75%▲ from 7.38%
- Sep 18, 20267.38%▲ from 7.25%
- Sep 14, 20267.25%first recorded
Term: 10/1 ARM - 30 Year Term
Term: 7/1 ARM - 30 Year Term
No additional details available.
up to $1,500,000; APR & payment based on $975,000 loan; Rates subject to change daily.; Home Loan Request More Information
No additional details available.
- Oct 9, 20269.63%▼ from 9.88%
- Oct 2, 20269.88%▲ from 9.76%
- Sep 29, 20269.76%▲ from 9.26%
- Sep 17, 20269.26%▲ from 9.15%
Commerce 15-Year Jumbo Mortgage Rates
No additional details available.
Jumbo loans are loans exceeding $832,750. Rates are subject to change without notice and are based upon borrower qualifications and credit review. Rate posted assumes the purpose of the loan is to purchase a primary residence, loan amount of $900,000, Loan to Value of 60% or less, Debt to Income ratio of less than 40%, credit score of 780 or above. APR is based on a $900,000 loan amount. Rates also available for Non-Owner Occupied.
No additional details available.
No additional details available.
- Oct 9, 20266.79%▼ from 6.92%
- Oct 2, 20266.92%▲ from 6.79%
- Sep 29, 20266.79%▲ from 6.53%
- Sep 18, 20266.53%▲ from 6.29%
No additional details available.
No additional details available.
Loan amounts up to $2.5 million; Purchase | No cash-out refinance | Single-family home | Primary residence
- Oct 10, 20267.00%▼ from 7.06%
- Sep 27, 20267.06%▲ from 6.32%
- Sep 14, 20266.32%first recorded
Amount: $832,751 to $2,500,000
- Oct 2, 20267.12%▲ from 6.62%
- Sep 14, 20266.62%first recorded
No additional details available.
- Oct 9, 20267.15%▲ from 7.13%
- Oct 1, 20267.13%▲ from 6.76%
- Sep 22, 20266.76%first recorded
No additional details available.
- Oct 5, 20267.34%▼ from 7.46%
- Sep 29, 20267.46%▲ from 7.34%
- Sep 25, 20267.34%▲ from 6.96%
- Sep 17, 20266.96%▲ from 6.83%
No additional details available.
Commerce 5/1 Jumbo ARM Mortgage Rates
ARM rates, APRs and monthly payments are subject to increase after the initial fixed-rate period of five, seven, or 10 years and assume a 30-year term.
Published APR range: As low as 5.641%; Published rate range: As low as 5.500%. Rate 1 5 Years: As low as 5.500%; Current Calculation of Rate Remaining Term: 6.625%
- Sep 25, 20265.64%▲ from 5.50%
- Sep 17, 20265.50%▼ from 5.64%
- Sep 14, 20265.64%first recorded
Payment assumptions: 720 FICO score, primary residence, 80% LTV/CLTV, and a 1-unit single-family residence. $900,000 loan amount with estimated closing costs of $18,800.00. This payment does not include impounds for property taxes or insurance.
Jumbo / High-Balance
As low as; Jumbo 15/15 Adjustable Rate Mortgages
Margin: 2.500%; Caps: 2/2/6
- Oct 10, 20266.15%▲ from 6.02%
- Oct 1, 20266.02%▼ from 6.27%
- Sep 27, 20266.27%first recorded
Published APR range: As low as 6.168%; Published rate range: As low as 6.000%. Rate 1 5 Years: As low as 6.000%; Current Calculation of Rate Remaining Term: 6.625%
- Sep 25, 20266.17%▲ from 6.00%
- Sep 17, 20266.00%▼ from 6.17%
- Sep 14, 20266.17%first recorded
Margin: 2.375%; Caps: 2/2/5
- Oct 10, 20266.27%▲ from 6.15%
- Oct 1, 20266.15%▼ from 6.40%
- Sep 27, 20266.40%first recorded
Rate (as low as): 6.250%; Est. Payments Per $1,000*: $6.16
Rate (as low as): 6.375%; Est. Payments Per $1,000*: $6.24
Rate (as low as): 6.750%; Est. Payments Per $1,000*: $6.49
Amount: $832,751 to $2,500,000
- Oct 10, 20266.57%▲ from 6.19%
- Sep 14, 20266.19%first recorded
No additional details available.
- Oct 2, 20266.60%▼ from 6.67%
- Oct 1, 20266.67%▲ from 6.60%
- Sep 18, 20266.60%first recorded
Amount: $832,751 to $2,500,000
- Oct 10, 20266.62%▲ from 6.19%
- Sep 14, 20266.19%first recorded
No additional details available.
Amount: $832,751 to $2,500,000
- Oct 10, 20266.77%▲ from 6.32%
- Sep 14, 20266.32%first recorded
No additional details available.
- Oct 9, 20266.79%▼ from 6.87%
- Oct 2, 20266.87%▲ from 6.79%
- Oct 1, 20266.79%▲ from 6.72%
- Sep 18, 20266.72%first recorded
No additional details available.
- Oct 9, 20266.80%▲ from 6.75%
- Oct 5, 20266.75%▲ from 6.53%
- Sep 17, 20266.53%first recorded
Amount: $832,751 to $2,500,000
- Oct 10, 20266.82%▲ from 6.32%
- Sep 14, 20266.32%first recorded
Payment Example: 5/5 Jumbo ARM Payment Example
- Oct 6, 20266.83%▲ from 6.75%
- Sep 30, 20266.75%first recorded
Term: 5/1 ARM - 30 Year Term
Commerce FHA Loan Rates
No additional details available.
No additional details available.
Term: FHA 30 Year Fixed Rate; Government
Additional APR listed for this product: 7.193%.
Regular APR: 7.26% - 7.51%
- Oct 9, 20267.17%▲ from 6.92%
- Sep 21, 20266.92%▲ from 6.85%
- Sep 18, 20266.85%first recorded
Estimated Payment Per $1,000 Borrowed: $8.93
- Sep 29, 20267.19%▲ from 7.14%
- Sep 25, 20267.14%▲ from 7.01%
- Sep 17, 20267.01%▼ from 19.99%
- Sep 14, 202619.99%first recorded
Regular APR: 7.17% - 7.51%
- Oct 9, 20267.26%▲ from 7.19%
- Sep 29, 20267.19%▲ from 7.14%
- Sep 25, 20267.14%▲ from 7.01%
- Sep 17, 20267.01%▼ from 19.99%
Regular APR: 7.17% - 7.26%
- Oct 9, 20267.51%▲ from 7.26%
- Sep 21, 20267.26%▲ from 7.19%
- Sep 18, 20267.19%first recorded
No additional details available.
No additional details available.
- Oct 2, 20267.79%▲ from 7.42%
- Sep 14, 20267.42%first recorded
No additional details available.
No additional details available.
- Oct 9, 20267.86%▼ from 7.89%
- Oct 5, 20267.89%▲ from 7.86%
- Oct 2, 20267.86%▼ from 7.89%
- Sep 29, 20267.89%▲ from 7.87%
Regular APR: 8.16% - 8.41%
- Oct 9, 20268.01%▲ from 7.63%
- Sep 21, 20267.63%▲ from 7.58%
- Sep 18, 20267.58%first recorded
No additional details available.
No additional details available.
- Oct 9, 20268.10%▲ from 7.97%
- Oct 5, 20267.97%▼ from 8.10%
- Oct 2, 20268.10%▲ from 7.97%
- Sep 29, 20267.97%▲ from 7.84%
Estimated Payment Per $1,000 Borrowed: $7.29
- Oct 2, 20268.11%▲ from 8.03%
- Sep 29, 20268.03%▲ from 7.90%
- Sep 25, 20267.90%▲ from 7.78%
- Sep 17, 20267.78%▼ from 19.99%
Regular APR: 8.01% - 8.41%
- Oct 9, 20268.16%▲ from 8.11%
- Oct 2, 20268.11%▲ from 8.03%
- Sep 29, 20268.03%▲ from 7.90%
- Sep 25, 20267.90%▲ from 7.78%
No additional details available.
Regular APR: 8.01% - 8.16%
- Oct 9, 20268.41%▲ from 8.03%
- Sep 21, 20268.03%▲ from 7.98%
- Sep 18, 20267.98%first recorded
Commerce VA Loan Rates
No additional details available.
No additional details available.
- Oct 10, 20266.75%▲ from 6.52%
- Sep 14, 20266.52%first recorded
No additional details available.
- Oct 9, 20266.80%▲ from 6.75%
- Oct 5, 20266.75%▲ from 6.53%
- Sep 17, 20266.53%first recorded
No additional details available.
- Oct 9, 20266.84%▲ from 6.57%
- Sep 14, 20266.57%first recorded
No additional details available.
- Oct 9, 20266.87%▲ from 6.80%
- Oct 5, 20266.80%▲ from 6.55%
- Sep 17, 20266.55%first recorded
No additional details available.
- Oct 9, 20266.91%▲ from 6.59%
- Sep 14, 20266.59%first recorded
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%. All rates effective as of Tuesday, July 15, 2025 12:00 AM MST. Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice.
No additional details available.
- Oct 10, 20267.18%▲ from 6.67%
- Oct 2, 20266.67%▼ from 7.18%
- Sep 22, 20267.18%▲ from 6.80%
- Sep 18, 20266.80%first recorded
No additional details available.
- Oct 9, 20267.23%▼ from 7.24%
- Sep 29, 20267.24%first recorded
Government
No additional details available.
- Oct 9, 20267.40%▲ from 7.27%
- Oct 2, 20267.27%▼ from 7.40%
- Sep 29, 20267.40%first recorded
No additional details available.
- Oct 10, 20267.56%▲ from 7.05%
- Oct 2, 20267.05%▼ from 7.56%
- Sep 27, 20267.56%▲ from 7.05%
- Sep 22, 20267.05%▲ from 6.92%
No additional details available.
- Oct 9, 20267.73%▲ from 7.60%
- Oct 5, 20267.60%▼ from 7.73%
- Oct 2, 20267.73%▲ from 7.60%
- Sep 29, 20267.60%▲ from 7.47%
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Commerce, CA Mortgage Rate Trends
Compare local Commerce, CA mortgage rate quotes against the statewide average
Daily mortgage rate averages tracked across our database of verified mortgage rate quotes, updated every evening.
California 30-year fixed rates rose 0.012 points over the past 7 days to 7.346%.
California 15-year fixed rates rose 0.022 points over the past 7 days to 6.918%.
California Mortgage Rate Forecast, Next 12 Months
Where are California mortgage rates headed through October 2027?
Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. Not financial advice.
What Forecast Rates Mean for Commerce, CA Home Buyers
Monthly principal & interest payment on Commerce, CA median home of $598,700 (20% down, 30-year fixed, city-level Census ACS median)
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (CA avg) | 7.346% | $3,299 | 51.4% | |
| 6-Month Forecast | 7.346% (7.00, 7.65%) | $3,299 | +$0/mo | 51.4% |
| 12-Month Forecast | 7.596% (7.25, 7.90%) | $3,381 | +$82/mo | 52.6% |
Income column = annual mortgage payment as % of Commerce, CA median household income ($77,064). Above 30% is generally considered cost-burdened.
MonitorBankRates Housing Affordability Index (MBR-HAI)
A daily-updated affordability score for Commerce, California , computed from local Census Bureau data combined with current California mortgage rates.
What This Score Means for Commerce, California Home Buyers
With a score of 79.2, Commerce, California is 17.8 points less affordable than the national average of 97.0. The area’s median home value of $598,700 against a median household income of $77,064 produces a price-to-income ratio of 7.8x , well above the national norm, meaning buyers here need to stretch further relative to their income. At the current California mortgage rate of 7.346%, a buyer purchasing the median-priced home with 20% down would carry a monthly payment of approximately $3,298 in principal and interest.
Beyond the mortgage payment, the median total monthly owner cost in this area is $1,568, covering mortgage, property taxes, insurance, and utilities. Property taxes alone average $365/month ($4,383/year). These ongoing costs factor directly into the MBR-HAI alongside the mortgage rate and income data.
Score computed from local U.S. Census Bureau ACS 5-Year Estimates (2024) and CPS/HVS Q4 2025 data, combined with the current California live mortgage rate. Score of 100 = national average at 6.5% reference rate. Full methodology
How Mortgage Rates Impact Home Affordability in Commerce, California
Commerce, California Housing Market Overview
According to the U.S. Census Bureau, the median owner-occupied home value in Commerce, California is approximately $598,700. The 2026 FHFA conforming loan limit for this area is $832,750, meaning most buyers financing at 80% LTV will qualify for conforming loan pricing, making rate comparison across local lenders especially valuable.
Commerce, California Homeownership Rate
With a homeownership rate of 55.3%, significantly below the national average of 65.7%, Commerce, California has a large pool of potential buyers actively competing for available properties. The homeowner vacancy rate of 1.3% signals a tight market with limited available inventory, making it critical to secure the best possible rate quickly when a suitable property becomes available.
Monthly Payment Estimates for Commerce, California Buyers
Even a small difference in your interest rate can add up to tens of thousands of dollars over the life of a loan. The table below shows monthly principal and interest payments on a $480,000 mortgage, based on a 20% down payment on the Commerce, California median home value.
| Interest Rate | Loan Term | Monthly Payment | Total Interest Paid |
|---|---|---|---|
| 6.846% | 30-year fixed | $3,144 | $651,827 |
| 7.346% Current Avg | 30-year fixed | $3,306 | $710,073 |
| 7.846% | 30-year fixed | $3,471 | $769,443 |
| 6.918% | 15-year fixed | $4,292 | $292,632 |
A 0.500% rate increase on a $480,000 loan adds roughly $165 per month and over $59,370 in total interest over a 30-year term. That’s why comparing verified, current rates from multiple lenders, using the rate table above, is one of the most impactful financial decisions a Commerce, California buyer can make.
Data sources: U.S. Census Bureau; Federal Housing Finance Agency (FHFA). Monthly payments shown are principal & interest only; taxes, insurance, and PMI not included.
Commerce, California Income & Housing Affordability
At a price-to-income ratio of 7.8x, Commerce, California is a high-cost housing market where the ratio of home prices to local incomes is well above the national norm. That ratio, median home value divided by median household income, is a standard benchmark used by housing economists to gauge how accessible homeownership is relative to local earnings. The national baseline is approximately 3.8x.
What This Means for Commerce, California Buyers
With a median household income of $77,064 per year in Commerce, California ($6,422/month) and a median home value of approximately $598,700, a buyer financing at 80% LTV at the current average rate would commit roughly 51.5% of gross monthly income to principal and interest alone. That exceeds the 43% debt-to-income ceiling most conventional lenders use as their maximum qualification threshold, meaning many buyers must bring a larger down payment, add a co-borrower, or target lower price points to qualify.
Compared to the California statewide price-to-income ratio of 7.4x, Commerce tracks closely with the broader California market on income-adjusted affordability. In either case, even a 0.25% improvement in your mortgage rate meaningfully reduces both the income needed to qualify and the total cost over the loan term.
Data sources: U.S. Census Bureau. Monthly payment estimate assumes 80% LTV at current average rate; principal and interest only.
Full Cost of Homeownership in Commerce, California
A mortgage payment is just the starting point. Property taxes, insurance, and utilities add hundreds of dollars per month to the true cost of owning a home in Commerce, California. Understanding the full picture before you buy is the difference between a home you can afford and one that stretches you thin.
Owner vs. Renter Costs
In Commerce, California, the median homeowner with a mortgage pays approximately $1,568/month in total housing costs, covering the mortgage payment, property taxes, insurance, and utilities. The median renter pays $1,549/month including utilities. The $19/month difference between owning and renting is relatively narrow, worth factoring carefully into a rent vs. buy analysis given that owners also build equity over time. Property taxes alone account for $365/month of the ownership cost, a figure that can vary dramatically by location and is often underestimated by first-time buyers.
Housing Cost Burden
The federal standard defines “cost burdened” as spending more than 30% of gross household income on housing. “Severely cost burdened” means spending 50% or more. Both thresholds leave little room for savings, emergencies, or other financial goals.
In Commerce, California, 42.5% of homeowners with mortgages are cost burdened and 51.9% of renters are cost burdened. Cost burden affects both groups at similar rates, reflecting a housing market where affordability pressures are broadly felt regardless of tenure. The 42.5% owner burden rate, well above the national average of 28.0%, underscores why securing the lowest possible mortgage rate is especially important here. Even a 0.25% rate reduction on a median-priced home can move a buyer from cost-burdened to within the manageable threshold.
Data sources: U.S. Census Bureau, American Community Survey 5-Year Estimates. Monthly owner costs include mortgage payment, taxes, insurance, and utilities. Property taxes reflect median annual taxes for mortgage holders. Rent reflects median gross rent including utilities. Cost burden figures reflect households spending 30%+ of gross income on housing.
Commerce, California Mortgage Payment Calculator
See your estimated monthly principal & interest payment at today’s Commerce, California rates. The home price is prefilled with the local median home value. Adjust anything, or click a current rate on the right to apply that loan type’s rate and term instantly.
Principal & interest only, excludes property taxes, homeowners insurance, PMI, and HOA dues. See the Full Cost of Homeownership section above for those figures. Estimates are for informational purposes only.
Run the Numbers on Your Commerce, California Home Loan
Rates are only part of the equation. Use these calculators to translate current Commerce, California mortgage rates and home loan rates into real numbers for your specific situation before you request quotes from mortgage lenders.
Enter your loan amount, interest rate, and term length to see your estimated monthly principal and interest payment. Adjust any variable to model different scenarios: a larger down payment, a shorter term, or a rate a quarter-point lower than what you were quoted.
CalculateTell us your gross income, monthly debt obligations, and how much you have for a down payment. We’ll show you the home price range you’re likely to qualify for at current Commerce, California rates, so you can shop with a realistic number in mind rather than discovering your ceiling after you’ve fallen in love with a property.
CalculateIf you already own a home, enter your current rate, remaining loan balance, and the rate you’ve been quoted to refinance. The calculator shows your new monthly payment, how much you’d save each month, and the break-even point, the number of months it takes for your savings to cover the closing costs of refinancing.
CalculateBuying isn’t always the better financial decision, and renting isn’t always throwing money away. This calculator weighs the full cost of each path: mortgage payments, taxes, insurance, and maintenance against rent increases and the opportunity cost of a down payment, to show which option builds more wealth over your intended time horizon in Commerce, California.
CalculateTypes of Mortgages Available in Commerce, California
Not every loan program is right for every buyer in Commerce, California. Rates, down payment requirements, eligibility rules, and long-term costs vary significantly across products, and the right choice depends on your credit profile, how long you plan to stay, and whether you qualify for any government-backed programs.
Fixed-Rate Mortgage
A fixed-rate mortgage locks your interest rate in for the entire loan term. Your principal and interest payment on day one is identical to payment 360. That predictability is valuable for long-term financial planning, especially in markets where housing costs represent a large share of household income.
Available in 10-, 15-, 20-, and 30-year terms. The 30-year minimizes monthly payments; the 15-year cuts total interest paid dramatically but requires a higher monthly commitment. The payment comparison table above shows exactly how those trade-offs look at today’s Commerce, California rate levels.
Adjustable-Rate Mortgage (ARM)
An ARM offers a fixed introductory rate for an initial period, commonly 5, 7, or 10 years, after which the rate adjusts periodically based on a market index. The starting rate is typically lower than a comparable fixed-rate loan, which reduces your monthly payment during the initial window.
ARMs work best when you have a defined exit timeline: if you plan to sell or refinance before the fixed period ends, you capture the lower rate without exposure to future adjustments. Rate caps govern how much the rate can move at each adjustment and in total, so read those terms closely before committing.
FHA Loan
Backed by the Federal Housing Administration, FHA loans are built for buyers who don’t yet meet conventional loan standards. You can qualify with a credit score of 580 and just 3.5% down, and some lenders will consider scores as low as 500 with a 10% down payment.
The cost of that lower barrier is mortgage insurance. FHA loans carry an upfront MIP of 1.75% of the loan amount (which can be rolled in) plus an annual MIP of 0.15% to 0.75% depending on your term and LTV. For buyers who would otherwise wait years to save a larger down payment, given ongoing home price trends in Commerce, California, FHA is often the faster path to ownership.
VA Loan
Available to eligible active-duty service members, veterans, reservists, National Guard members, and qualifying surviving spouses, VA loans are among the most favorable mortgage programs available anywhere. No down payment is required, there is no monthly mortgage insurance, and rates are generally competitive with, and often better than, conventional loan rates.
A one-time funding fee applies, 2.15% of the loan for first-time VA borrowers with no down payment, which can be financed into the loan. In Commerce, California, where home prices require substantial savings for a conventional down payment, the zero-down VA benefit is an enormous advantage for those who qualify.
Jumbo Loan
The 2026 FHFA conforming loan limit for Commerce, California is $832,750. Mortgages above that amount are classified as jumbo loans and are not eligible for purchase by Fannie Mae or Freddie Mac, which means lenders carry the full risk and price that risk accordingly.
Jumbo underwriting is stricter: lenders typically require a credit score of 700 or higher, substantial cash reserves, thorough income documentation, and a down payment of at least 10 to 20%. Rates may run slightly above conforming levels, though the gap narrows in competitive lending environments.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Commerce, California mortgage rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Commerce, California directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Commerce, California. We feature a comprehensive mix of licensed NMLS financial institutions, from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in CA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you compare rates from secure, reliable lenders.
How a Mortgage Works in Commerce, California
A mortgage is a loan used to buy a home in Commerce, California, secured by the property itself as collateral. The borrower repays the amount over a set term, most commonly 30 or 15 years, in monthly installments that cover both principal and interest. Because the loan is secured, the lender can foreclose on the home if payments are not made, which is part of why mortgage rates are lower than rates on unsecured debt.
Fixed-Rate vs. Adjustable-Rate Mortgages for Commerce, California Buyers
A fixed-rate mortgage keeps the same interest rate for the entire term, so a Commerce, California homeowner’s principal-and-interest payment never changes. For example, Certified Federal Credit Union is listing a 30-Year Fixed at 6.50%. An adjustable-rate mortgage (ARM) starts with a fixed period, often five, seven, or ten years, and then adjusts periodically based on a market index. ARMs usually open with a lower rate, but the payment can rise once the fixed period ends, so they tend to suit Commerce, California borrowers who expect to move or refinance before that point. On the adjustable-rate side, Actors Federal Credit Union is listing a Adjustable Rate Mortgages (ARMs) - 5/1 ARM at 4.50%.
How Commerce, California Mortgage Rates Are Set
Mortgage rates move with the broader bond market, particularly the yield on the 10-year Treasury, plus a spread that reflects lender costs and risk. On top of that national baseline, the rate a California borrower is offered depends on individual factors: credit score, down payment size, loan amount, loan type, and the property itself. This is why the advertised rates above are a starting point, and a borrower’s final rate is set once an application is underwritten.
Points and Closing Costs in Commerce, California
The interest rate is not the only cost of buying a home in Commerce, California. Discount points are an optional upfront fee (one point equals one percent of the loan amount) paid to lower the rate over the life of the loan. Closing costs cover items such as origination fees, appraisal, title insurance, and recording, and typically run two to five percent of the loan. Comparing the annual percentage rate (APR) alongside the note rate helps Commerce, California shoppers account for these costs when weighing lenders.
When Commerce, California Homeowners Should Consider Refinancing
Refinancing replaces an existing mortgage with a new one, usually to secure a lower rate, change the term, or tap home equity. For Commerce, California homeowners, the general guideline is that refinancing makes sense when the savings from a lower rate recoup the closing costs within the time the borrower plans to stay in the home, known as the break-even point. Borrowers also refinance to switch from an adjustable rate to a fixed rate, or to remove mortgage insurance once enough equity has built up. Current Commerce, California refinance rates from local lenders are listed on our refinance page.
Frequently Asked Questions about Mortgage Rates in Commerce, California
What are home loan rates in Commerce, CA today?
How does my credit score affect my rate in California?
What is a 30-Year Fixed Mortgage?
What are closing costs in California?
Should I lock my mortgage rate?
What is an Adjustable-Rate Mortgage (ARM)?
What is a Jumbo Loan in Commerce, California?
Do I need 20% down to buy a house in California?
What is the difference between Interest Rate and APR?
How do I compare mortgage lenders in Commerce, California?
How do I get mortgage quotes in Commerce, California?
What is the median home value in Commerce, California?
What is the homeownership rate in Commerce, California?
What is the conforming loan limit in Commerce, California?
What is the median monthly cost of homeownership in Commerce, California?
What are the median property taxes in Commerce, California?
What is the median rent in Commerce, California?
What percentage of homeowners are cost burdened in Commerce, California?
What percentage of renters are cost burdened in Commerce, California?
What are the best Mortgage rates in Commerce, California?
- Certified Federal Credit Union: 6.50% (30-Year Fixed)
- Educational Employees Credit Union: 5.75% (30 Year Fixed Rate - Primary Residence)
- Actors Federal Credit Union: 5.79% (30 Year Fixed-Rate Mortgage)
- Safe 1 Credit Union: 6.00% (30-Year Fixed Rate Home Loan)
- Partners Federal Credit Union: 6.482% (30 Yr Fixed)
Commerce, California Rates & Resources
