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California Rate Trends

Mortgage Rates Sierra City, California (CA) for March 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of lenders actively lending in Sierra City, California. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Mortgage Rates Last Updated and Verified: March 20, 2026

Current 30-year fixed mortgage rates in Sierra City, California as of March 20, 2026 are as follows, according to verified data from MonitorBankRates: Ontario-Montclair School Employees Federal Credit UnionOntario-Montclair School Employees Federal Credit Union1520 N Palmetto Ave, Ontario, CA, 91762A+5.0 ★Texas Ratio: 0.39% at 4.99%, TULARE COUNTYTULARE COUNTY300 N K St, Porterville, CA, 93257 2358A+5.0 ★Texas Ratio: 5.05% at 5.12%, Carolinas Telco Federal Credit UnionCarolinas Telco Federal Credit Union2305 Historic Decatur Rd Ste 300, San Diego, CA, 92106 6073A+5.0 ★Texas Ratio: 4.17% at 5.75%, San Francisco Fire Credit UnionSan Francisco Fire Credit Union3201 California St, San Francisco, CA, 94114 3704A+5.0 ★Texas Ratio: 4.90% at 5.62%, and SAG AFTRA Federal Credit UnionSAG AFTRA Federal Credit Union134 N Kenwood St, Burbank, CA, 90036 3792A+5.0 ★Texas Ratio: 3.06% at 5.50%.

Mortgage rates in Sierra City, California (CA) are continually updated to reflect market conditions. Whether you are purchasing a home or refinancing, comparing current loan options across top-rated local lenders and national banks is critical. We empower borrowers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can confidently choose a stable, highly-rated institution.

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: March 20, 2026

Sierra City, CA Mortgage Rate Trends

Compare local Sierra City, CA mortgage rate quotes against the statewide average

Weekly mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full California Trends →
30-Year Fixed — CA Avg
6.332%
▲ 0.247 from last week

For buyers in Sierra City, CA, the broader California 30-year fixed average mortgage rate rose 0.247 points this week to 6.332%, according to MonitorBankRates trend data.

15-Year Fixed — CA Avg
5.913%
▼ 1.858 from last week

For buyers in Sierra City, CA, the broader California 15-year fixed average mortgage rate fell 1.858 points this week to 5.913%, according to MonitorBankRates trend data.

As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare Mortgage Rates Today in Sierra City, California & the Surrounding Area

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Ontario-Montclair School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1520 N Palmetto Ave, Ontario, CA, 91762
30 Year Fixed Rate Mortgage
4.99%
5.08%
View
▼
Rate4.99%
APR5.08%
Points0.000
UpdatedMar 15, 2026
Details

Limited Special Offer

TULARE COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
300 N K St, Porterville, CA, 93257 2358
30-Year Fixed
5.12%
5.27%
View
▼
Rate5.12%
APR5.27%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
2305 Historic Decatur Rd Ste 300, San Diego, CA, 92106 6073
Fixed Rate-First Mortgages 30-Year Fixed
30
5.75%
5.75%
View
▼
Rate5.75%
APR5.75%
Points0.000
UpdatedMar 18, 2026
Details

As Low As

San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3201 California St, San Francisco, CA, 94114 3704
30 Year Fixed Rate Mortgage
5.62%
5.76%
View
▼
Rate5.62%
APR5.76%
Points1.000
UpdatedMar 17, 2026
Details

No additional details available.

SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
134 N Kenwood St, Burbank, CA, 90036 3792
30-Year Fixed
5.50%
5.76%
View
▼
Rate5.50%
APR5.76%
Points1.000
UpdatedMar 11, 2026
Details

No additional details available.

Safe 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1008 Fremont St, Bakersfield, CA, 93215
30-Year Fixed Rate
30-Year
5.75%
5.82%
View
▼
Rate5.75%
APR5.82%
Points0.000
UpdatedMar 11, 2026
Details

No additional details available.

SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
134 N Kenwood St, Burbank, CA, 90036 3792
30-Year Fixed
5.70%
5.87%
View
▼
Rate5.70%
APR5.87%
Points0.000
UpdatedMar 11, 2026
Details

No additional details available.

Certified Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1230 Lakes Dr Ste 108, Brea, CA, 90012 3352
30-Year Fixed
30-Year
5.88%
5.91%
View
▼
Rate5.88%
APR5.91%
Points0.000
UpdatedMar 18, 2026
Details

Loan amount not to exceed $499,999

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
30 Year Fixed-Rate Mortgages: Conforming
30
5.75%
5.91%
View
▼
Rate5.75%
APR5.91%
Points1.000
UpdatedMar 11, 2026
Details

No additional details available.

San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3201 California St, San Francisco, CA, 94114 3704
30 Year Fixed Rate Mortgage
5.88%
5.92%
View
▼
Rate5.88%
APR5.92%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
10066 Pacific Heights Blvd Ste 104, Carlsbad, CA, 91910
30-Year Fixed Rate Mortgage
30-year
5.88%
5.93%
View
▼
Rate5.88%
APR5.93%
Points0.000
UpdatedMar 11, 2026
Details

A $420,000 30-year fixed rate at an interest rate of 5.875% (5.931% APR) would have a monthly principal and interest payment equal to $2,484. This example does not include taxes or insurance premiums. Rates shown are not intended to be a commitment to the loan type or amount for which you may qualify. All loans are subject to approval. Annual Percentage Rate (APR) may be higher than the rates shown and may vary based on credit qualifications and other criteria. Other restrictions may apply.

Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Elk Grove, CA, 95628 3756
30-YEAR FIXED
5.75%
5.96%
View
▼
Rate5.75%
APR5.96%
Points1.000
UpdatedMar 11, 2026
Details

No additional details available.

Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Elk Grove, CA, 95628 3756
Fixed Rate Refinance 30-YEAR FIXED
5.75%
5.96%
View
▼
Rate5.75%
APR5.96%
Points1.000
UpdatedMar 11, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
14111 Danielson St, Cypress, CA, 90039
30-Year Fixed Mortgage
6.00%
6.00%
View
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedMar 18, 2026
Details

As Low As; POINTS MAY APPLY

San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3201 California St, San Francisco, CA, 94114 3704
30 Year Fixed Rate Mortgage
5.88%
6.01%
View
▼
Rate5.88%
APR6.01%
Points1.000
UpdatedMar 17, 2026
Details

No additional details available.

1st Valley Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 72.14%
401 W 2nd St, San Bernardino, CA, 92401 1525
Home - 30 Year Fixed
5.88%
6.03%
View
▼
Rate5.88%
APR6.03%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Community First Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.30%
1105 N Dutton Ave, Clearlake, CA, 94559 1047
30 Year Fixed Mortgage Loans Purchase
6.00%
6.03%
View
▼
Rate6.00%
APR6.03%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Elk Grove, CA, 95628 3756
30-YEAR FIXED
5.88%
6.03%
View
▼
Rate5.88%
APR6.03%
Points0.500
UpdatedMar 11, 2026
Details

No additional details available.

Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Elk Grove, CA, 95628 3756
Fixed Rate Refinance 30-YEAR FIXED
5.88%
6.03%
View
▼
Rate5.88%
APR6.03%
Points0.500
UpdatedMar 11, 2026
Details

No additional details available.

1st United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
109 Review Way, Alameda, CA, 94501
30 Year Fixed
6.00%
6.05%
View
▼
Rate6.00%
APR6.05%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
10415 Old Placerville Rd, Fair Oaks, CA, 95628 3539
30 Year Fixed
30 Year
5.88%
6.06%
View
▼
Rate5.88%
APR6.06%
Points1.000
UpdatedMar 20, 2026
Details

No additional details available.

Strata Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1535 Panama Ln, Bakersfield, CA, 93280
30 Year Fixed Rate
5.88%
6.07%
View
▼
Rate5.88%
APR6.07%
Points0.000
UpdatedMar 15, 2026
Details

As Low As

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
30 Year Fixed-Rate Mortgages: Conforming
30
6.00%
6.07%
View
▼
Rate6.00%
APR6.07%
Points0.000
UpdatedMar 11, 2026
Details

No additional details available.

Santa Barbara Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
1307B N H St, Lompoc, CA, 93110 1563
30 year mortgage
30
6.00%
6.09%
View
▼
Rate6.00%
APR6.09%
Points0.000
UpdatedMar 11, 2026
Details

No additional details available.

Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Elk Grove, CA, 95628 3756
Fixed Rate Refinance 30-YEAR FIXED
6.00%
6.11%
View
▼
Rate6.00%
APR6.11%
Points0.000
UpdatedMar 11, 2026
Details

No additional details available.

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
401 W 2nd St, San Bernardino, CA, 92401
30 Year Fixed
6.00%
6.12%
View
▼
Rate6.00%
APR6.12%
Points0.250
UpdatedMar 17, 2026
Details

As Low As

The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
1030 Shaw Ave, Atascadero, CA, 91762
30-Year Fixed Conforming Refinance
5.50%
6.12%
View
▼
Rate5.50%
APR6.12%
Points0.125
UpdatedMar 20, 2026
Details

No additional details available.

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
2607 7th St Ste A, Berkeley, CA, 94710 2571
30 Year Fixed Rate
5.99%
6.13%
View
▼
Rate5.99%
APR6.13%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1 W California Blvd, Altadena, CA, 90012 4671
30-Year Fixed Rate Mortgages
30
6.00%
6.13%
View
▼
Rate6.00%
APR6.13%
Points0.000
UpdatedMar 18, 2026
Details

High Balance (Minimum Loan Amount $1,249,125)

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
30 Year Fixed-Rate Mortgages: Conforming, High-Cost Area
30
6.00%
6.14%
View
▼
Rate6.00%
APR6.14%
Points1.000
UpdatedMar 11, 2026
Details

No additional details available.

Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
10325 Meanley Dr, Carlsbad, CA, 91910
30 Year Fixed
6.12%
6.15%
View
▼
Rate6.12%
APR6.15%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
14111 Danielson St, Cypress, CA, 90039
30 Year Fixed
30
6.00%
6.16%
View
▼
Rate6.00%
APR6.16%
Points0.625
UpdatedMar 18, 2026
Details

As Low As

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
30 Year Fixed-Rate Mortgages: Conforming, High-Cost Area
30
6.00%
6.16%
View
▼
Rate6.00%
APR6.16%
Points1.000
UpdatedMar 11, 2026
Details

No additional details available.

1st United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
109 Review Way, Alameda, CA, 94501
High Balance Loans to $1,249,125 30 Year Fixed
6.12%
6.17%
View
▼
Rate6.12%
APR6.17%
Points0.000
UpdatedMar 17, 2026
Details

$832,751

San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3201 California St, San Francisco, CA, 94114 3704
30 Year Fixed Rate Mortgage
6.12%
6.17%
View
▼
Rate6.12%
APR6.17%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1 W California Blvd, Altadena, CA, 90012 4671
30-Year Fixed Rate Mortgages
30
6.00%
6.18%
View
▼
Rate6.00%
APR6.18%
Points0.000
UpdatedMar 18, 2026
Details

Conforming (Loan amounts up to $832,750)

First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
10202 Washington Blvd, Burbank, CA, 90038 3989
30 YEAR FIXED
6.12%
6.18%
View
▼
Rate6.12%
APR6.18%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Gain Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1201 Truman St, Burbank, CA, 91340
30-Year Fixed - High Balance
6.12%
6.19%
View
▼
Rate6.12%
APR6.19%
Points0.000
UpdatedMar 20, 2026
Details

As Low As; 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.

Gain Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1201 Truman St, Burbank, CA, 91340
30-Year Fixed - Conforming
6.12%
6.21%
View
▼
Rate6.12%
APR6.21%
Points0.000
UpdatedMar 20, 2026
Details

As Low As; 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.

Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
1055 Wilshire Blvd, Arcadia, CA, 90017
30-year fixed mortgage
6.22%
6.22%
View
▼
Rate6.22%
APR6.22%
Points0.000
UpdatedMar 11, 2026
Details

No additional details available.

Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
10415 Old Placerville Rd, Fair Oaks, CA, 95628 3539
30 Year Fixed
30 Year
6.12%
6.22%
View
▼
Rate6.12%
APR6.22%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
130 Sunrise Ave, Elk Grove, CA, 95356 0542
30-Year Fixed(2)
30
6.11%
6.24%
View
▼
Rate6.11%
APR6.24%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

UMe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3000 W Magnolia Blvd, Burbank, CA, 91505 3043
Conventional 30 year fixed
6.12%
6.25%
View
▼
Rate6.12%
APR6.25%
Points0.000
UpdatedMar 15, 2026
Details

As Low As

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
100 S Main St Ste 110, Alhambra, CA, 90012
30-Year Fixed
6.25%
6.27%
View
▼
Rate6.25%
APR6.27%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
100 S Main St Ste 110, Alhambra, CA, 90012
30-Year Fixed
6.25%
6.30%
View
▼
Rate6.25%
APR6.30%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
30 Year Fixed-Rate Mortgages: Conforming, High-Cost Area
30
6.25%
6.30%
View
▼
Rate6.25%
APR6.30%
Points0.000
UpdatedMar 11, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
30 Year Fixed-Rate Mortgages: Conforming, High-Cost Area
30
6.25%
6.31%
View
▼
Rate6.25%
APR6.31%
Points0.000
UpdatedMar 11, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
30 Year Fixed-Rate Mortgages: Conforming
30
6.25%
6.32%
View
▼
Rate6.25%
APR6.32%
Points-1.000
UpdatedMar 11, 2026
Details

No additional details available.

Patelco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1050 Admiral Ct Ste F, Berkeley, CA, 94015
30-Year Fixed
6.25%
6.33%
View
▼
Rate6.25%
APR6.33%
Points0.000
UpdatedMar 15, 2026
Details

$50,000 to $832,750

Coasthills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
100 COMMUNITY LOOP, Arroyo Grande, CA, 93401 4084
30-Year Fixed
6.25%
6.34%
View
▼
Rate6.25%
APR6.34%
Points0.000
UpdatedMar 16, 2026
Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
134 N Kenwood St, Burbank, CA, 90036 3792
15-Year Fixed
4.88%
5.07%
View
▼
Rate4.88%
APR5.07%
Points1.000
UpdatedMar 11, 2026
Details

No additional details available.

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
2305 Historic Decatur Rd Ste 300, San Diego, CA, 92106 6073
Fixed Rate-First Mortgages 15-Year Fixed
15
5.25%
5.25%
View
▼
Rate5.25%
APR5.25%
Points0.000
UpdatedMar 18, 2026
Details

As Low As

Certified Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1230 Lakes Dr Ste 108, Brea, CA, 90012 3352
15-Year Fixed
15-Year
5.12%
5.32%
View
▼
Rate5.12%
APR5.32%
Points0.000
UpdatedMar 18, 2026
Details

Loan amount not to exceed $499,999

Safe 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1008 Fremont St, Bakersfield, CA, 93215
15-Year Fixed Rate
15-Year
5.25%
5.37%
View
▼
Rate5.25%
APR5.37%
Points0.000
UpdatedMar 11, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
14111 Danielson St, Cypress, CA, 90039
15-Year Fixed Mortgage
5.38%
5.38%
View
▼
Rate5.38%
APR5.38%
Points0.000
UpdatedMar 18, 2026
Details

As Low As; POINTS MAY APPLY

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
15 Year Fixed-Rate Mortgages: Conforming
15
5.12%
5.39%
View
▼
Rate5.12%
APR5.39%
Points1.000
UpdatedMar 11, 2026
Details

No additional details available.

FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1 W California Blvd, Altadena, CA, 90012 4671
15-Year Fixed Rate Mortgages
15
5.25%
5.46%
View
▼
Rate5.25%
APR5.46%
Points0.000
UpdatedMar 18, 2026
Details

High Balance (Minimum Loan Amount $1,249,125)

San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
10066 Pacific Heights Blvd Ste 104, Carlsbad, CA, 91910
15-Year Fixed Rate Mortgage
15-year
5.38%
5.47%
View
▼
Rate5.38%
APR5.47%
Points0.000
UpdatedMar 11, 2026
Details

A $420,000 15-year fixed rate at an interest rate of 5.375% (5.468% APR) would have a monthly principal and interest payment equal to $3,404. This example does not include taxes or insurance premiums. Rates shown are not intended to be a commitment to the loan type or amount for which you may qualify. All loans are subject to approval. Annual Percentage Rate (APR) may be higher than the rates shown and may vary based on credit qualifications and other criteria. Other restrictions may apply.

San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3201 California St, San Francisco, CA, 94114 3704
15 Year Fixed Rate Mortgage
5.25%
5.48%
View
▼
Rate5.25%
APR5.48%
Points1.000
UpdatedMar 17, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
15 Year Fixed-Rate Mortgages: Conforming
15
5.38%
5.48%
View
▼
Rate5.38%
APR5.48%
Points0.000
UpdatedMar 11, 2026
Details

No additional details available.

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
401 W 2nd St, San Bernardino, CA, 92401
15 Year Fixed
5.25%
5.50%
View
▼
Rate5.25%
APR5.50%
Points0.625
UpdatedMar 17, 2026
Details

As Low As

San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
1811 El Camino Real, Burlingame, CA, 94010
Conforming 15 Year Fixed Rate
5.38%
5.52%
View
▼
Rate5.38%
APR5.52%
Points0.000
UpdatedMar 11, 2026
Details

No additional details available.

FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1 W California Blvd, Altadena, CA, 90012 4671
15-Year Fixed Rate Mortgages
15
5.25%
5.54%
View
▼
Rate5.25%
APR5.54%
Points0.000
UpdatedMar 18, 2026
Details

Conforming (Loan amounts up to $832,750)

Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
10415 Old Placerville Rd, Fair Oaks, CA, 95628 3539
15 Year Fixed
15 Year
5.25%
5.55%
View
▼
Rate5.25%
APR5.55%
Points1.000
UpdatedMar 20, 2026
Details

No additional details available.

1st United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
109 Review Way, Alameda, CA, 94501
15 Year Fixed
5.50%
5.57%
View
▼
Rate5.50%
APR5.57%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3201 California St, San Francisco, CA, 94114 3704
15 Year Fixed Rate Mortgage
5.50%
5.58%
View
▼
Rate5.50%
APR5.58%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Elk Grove, CA, 95628 3756
15-YEAR FIXED
5.25%
5.59%
View
▼
Rate5.25%
APR5.59%
Points1.000
UpdatedMar 11, 2026
Details

No additional details available.

Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Elk Grove, CA, 95628 3756
Fixed Rate Refinance 15-YEAR FIXED
5.25%
5.59%
View
▼
Rate5.25%
APR5.59%
Points1.000
UpdatedMar 11, 2026
Details

No additional details available.

Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Elk Grove, CA, 95628 3756
15-YEAR FIXED
5.38%
5.64%
View
▼
Rate5.38%
APR5.64%
Points0.500
UpdatedMar 11, 2026
Details

No additional details available.

Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Elk Grove, CA, 95628 3756
Fixed Rate Refinance 15-YEAR FIXED
5.38%
5.64%
View
▼
Rate5.38%
APR5.64%
Points0.500
UpdatedMar 11, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
14111 Danielson St, Cypress, CA, 90039
15 Year Fixed
15
5.38%
5.65%
View
▼
Rate5.38%
APR5.65%
Points0.750
UpdatedMar 18, 2026
Details

As Low As

Gain Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1201 Truman St, Burbank, CA, 91340
15-Year Fixed - Conforming
5.50%
5.65%
View
▼
Rate5.50%
APR5.65%
Points0.000
UpdatedMar 20, 2026
Details

As Low As; 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.

Community First Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.30%
1105 N Dutton Ave, Clearlake, CA, 94559 1047
15 Year Fixed Mortgage Loans Purchase
5.62%
5.67%
View
▼
Rate5.62%
APR5.67%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Elk Grove, CA, 95628 3756
Fixed Rate Refinance 15-YEAR FIXED
5.50%
5.69%
View
▼
Rate5.50%
APR5.69%
Points0.000
UpdatedMar 11, 2026
Details

No additional details available.

California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
130 Sunrise Ave, Elk Grove, CA, 95356 0542
15-Year Fixed(3)
15
5.50%
5.71%
View
▼
Rate5.50%
APR5.71%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
10745 S De Anza Blvd, Arcadia, CA, 90210
15 Year Fixed Rate
5.62%
5.72%
View
▼
Rate5.62%
APR5.72%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
2607 7th St Ste A, Berkeley, CA, 94710 2571
15 Year Fixed Rate
5.50%
5.72%
View
▼
Rate5.50%
APR5.72%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 Kaiser Plz, Agoura Hills, CA, 90001
15-Year Fixed Rate
5.50%
5.73%
View
▼
Rate5.50%
APR5.73%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
15 Year Fixed-Rate Mortgages: Conforming
15
5.62%
5.74%
View
▼
Rate5.62%
APR5.74%
Points-1.000
UpdatedMar 11, 2026
Details

No additional details available.

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
101 California St, Mill Valley, CA, 92660
15-Year Fixed Rate
5.62%
5.76%
View
▼
Rate5.62%
APR5.76%
Points0.375
UpdatedMar 18, 2026
Details

Rates shown include 0.125% autopay and paperless discount.

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
101 California St, Mill Valley, CA, 92660
15-Year Fixed Rate
5.62%
5.77%
View
▼
Rate5.62%
APR5.77%
Points0.375
UpdatedMar 18, 2026
Details

No additional details available.

Coasthills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
100 COMMUNITY LOOP, Arroyo Grande, CA, 93401 4084
15-Year Fixed
5.62%
5.77%
View
▼
Rate5.62%
APR5.77%
Points0.000
UpdatedMar 16, 2026
Details

No additional details available.

Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
10415 Old Placerville Rd, Fair Oaks, CA, 95628 3539
15 Year Fixed
15 Year
5.62%
5.78%
View
▼
Rate5.62%
APR5.78%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
100 S Main St Ste 110, Alhambra, CA, 90012
15-Year Fixed
5.75%
5.79%
View
▼
Rate5.75%
APR5.79%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

1st United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
109 Review Way, Alameda, CA, 94501
High Balance Loans to $1,249,125 15 Year Fixed
5.75%
5.81%
View
▼
Rate5.75%
APR5.81%
Points0.000
UpdatedMar 17, 2026
Details

$832,751

Strata Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1535 Panama Ln, Bakersfield, CA, 93280
15 Year Fixed Rate
5.50%
5.81%
View
▼
Rate5.50%
APR5.81%
Points0.000
UpdatedMar 15, 2026
Details

As Low As

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
100 S Main St Ste 110, Alhambra, CA, 90012
15-Year Fixed
5.75%
5.83%
View
▼
Rate5.75%
APR5.83%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Community First Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.30%
1105 N Dutton Ave, Clearlake, CA, 94559 1047
15 Year Fixed Mortgage Loans Purchase
5.75%
5.83%
View
▼
Rate5.75%
APR5.83%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
10202 Washington Blvd, Burbank, CA, 90038 3989
15 YEAR FIXED
5.75%
5.84%
View
▼
Rate5.75%
APR5.84%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3201 California St, San Francisco, CA, 94114 3704
15 Year Fixed Rate Mortgage
15
5.62%
5.86%
View
▼
Rate5.62%
APR5.86%
Points1.000
UpdatedMar 17, 2026
Details

No additional details available.

Patelco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1050 Admiral Ct Ste F, Berkeley, CA, 94015
15-Year Fixed
5.75%
5.87%
View
▼
Rate5.75%
APR5.87%
Points0.000
UpdatedMar 15, 2026
Details

$50,000 to $832,750

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
10745 S De Anza Blvd, Arcadia, CA, 90210
15 Year Fixed Rate
5.75%
5.88%
View
▼
Rate5.75%
APR5.88%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
15 Year Fixed-Rate Mortgages: Conforming, High-Cost Area
15
5.62%
5.88%
View
▼
Rate5.62%
APR5.88%
Points1.000
UpdatedMar 11, 2026
Details

No additional details available.

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
2305 Historic Decatur Rd Ste 300, San Diego, CA, 92106 6073
15-Year Fixed
15
5.88%
5.88%
View
▼
Rate5.88%
APR5.88%
Points0.000
UpdatedMar 18, 2026
Details

As Low As

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
401 W 2nd St, San Bernardino, CA, 92401
15 Year Fixed
15 Year
5.75%
5.90%
View
▼
Rate5.75%
APR5.90%
Points-0.250
UpdatedMar 17, 2026
Details

As Low As

California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
1060 University Ave Ste A101, Chula Vista, CA, 91910 7487
15-year Fixed
15-year
5.75%
5.91%
View
▼
Rate5.75%
APR5.91%
Points0.250
UpdatedMar 18, 2026
Details

No additional details available.

Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1080 Enterprise Way Ste 150, Cupertino, CA, 94022 3618
15-Year Fixed-Rate Mortgage
5.75%
5.92%
View
▼
Rate5.75%
APR5.92%
Points0.000
UpdatedMar 15, 2026
Details

APR Jumbo 5.837%

Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1080 Enterprise Way Ste 150, Cupertino, CA, 94022 3618
15-Year Fixed-Rate Mortgage - Conforming
5.75%
5.92%
View
▼
Rate5.75%
APR5.92%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

UMe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3000 W Magnolia Blvd, Burbank, CA, 91505 3043
Conventional 15 year fixed
5.75%
5.95%
View
▼
Rate5.75%
APR5.95%
Points0.000
UpdatedMar 15, 2026
Details

As Low As

Wescom Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
10970 Jefferson Blvd, Anaheim, CA, 90025
15 Year Fixed
5.88%
5.95%
View
▼
Rate5.88%
APR5.95%
Points0.000
UpdatedMar 15, 2026
Details

From $50K to $806,500

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Coast Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
12700 Highway 96, Arcata, CA, 95501
Quarterly Adjustable
4.00%
4.11%
View
▼
Rate4.00%
APR4.11%
Points0.000
UpdatedMar 18, 2026
Details

As Low As; No points. Up to 30 years financing.

SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
134 N Kenwood St, Burbank, CA, 90036 3792
5/1 ARM
5.58%
4.30%
View
▼
Rate5.58%
APR4.30%
Points0.000
UpdatedMar 11, 2026
Details

No additional details available.

SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
134 N Kenwood St, Burbank, CA, 90036 3792
5/1 ARM
5.38%
4.31%
View
▼
Rate5.38%
APR4.31%
Points1.000
UpdatedMar 11, 2026
Details

No additional details available.

Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
5656 Tujunga Ave, Los Angeles, CA, 90036 3684
3/1 ARM
4.50%
4.61%
View
▼
Rate4.50%
APR4.61%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
5656 Tujunga Ave, Los Angeles, CA, 90036 3684
5/1 ARM
4.75%
4.86%
View
▼
Rate4.75%
APR4.86%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Gain Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1201 Truman St, Burbank, CA, 91340
5/6 ARM - Conforming
5.00%
5.08%
View
▼
Rate5.00%
APR5.08%
Points1.000
UpdatedMar 20, 2026
Details

As Low As; 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.

Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1407 Main St Ste 100, Angwin, CA, 94508 0330
1st Deed Jumbo 3/3/30 Year - 1 Yr. TCM
360
5.25%
5.25%
View
▼
Rate5.25%
APR5.25%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
100 S Main St Ste 110, Alhambra, CA, 90012
Jumbo Adjustable Rate Mortgage (ARM) Rate 5/1 ARM
5.25%
5.27%
View
▼
Rate5.25%
APR5.27%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
100 S Main St Ste 110, Alhambra, CA, 90012
5/1 ARM
5.25%
5.29%
View
▼
Rate5.25%
APR5.29%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
1030 La Playa Dr, Berkeley, CA, 90712 4109
7/6 ARM Jumbo
5.25%
5.35%
View
▼
Rate5.25%
APR5.35%
Points1.000
UpdatedMar 17, 2026
Details

As Low As

Skyone Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.07%
14600 Aviation Blvd, El Segundo, CA, 90245 3439
Adjustable-Rate Mortgage ARMs (Jumbo)
5/1
5.25%
5.35%
View
▼
Rate5.25%
APR5.35%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

Skyone Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.07%
14600 Aviation Blvd, El Segundo, CA, 90245 3439
Adjustable-Rate Mortgage ARMs (Conforming) 5/5
5/5
5.25%
5.38%
View
▼
Rate5.25%
APR5.38%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

Skyone Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.07%
14600 Aviation Blvd, El Segundo, CA, 90245 3439
Adjustable-Rate Mortgage ARMs (Conforming) 7/1
7/1
5.25%
5.38%
View
▼
Rate5.25%
APR5.38%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
100 S Main St Ste 110, Alhambra, CA, 90012
Jumbo Adjustable Rate Mortgage (ARM) Rate 5/5 ARM
5.38%
5.40%
View
▼
Rate5.38%
APR5.40%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Elk Grove, CA, 95628 3756
5/1 ARM
5.25%
5.40%
View
▼
Rate5.25%
APR5.40%
Points0.500
UpdatedMar 11, 2026
Details

No additional details available.

1st United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
109 Review Way, Alameda, CA, 94501
7/1 ARM
5.38%
5.42%
View
▼
Rate5.38%
APR5.42%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
100 S Main St Ste 110, Alhambra, CA, 90012
5/5 ARM
5.38%
5.42%
View
▼
Rate5.38%
APR5.42%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Coasthills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
100 COMMUNITY LOOP, Arroyo Grande, CA, 93401 4084
5/5 ARM
5.38%
5.46%
View
▼
Rate5.38%
APR5.46%
Points0.000
UpdatedMar 16, 2026
Details

No additional details available.

Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Elk Grove, CA, 95628 3756
5/1 ARM
5.38%
5.48%
View
▼
Rate5.38%
APR5.48%
Points0.000
UpdatedMar 11, 2026
Details

No additional details available.

UMe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3000 W Magnolia Blvd, Burbank, CA, 91505 3043
5/1 ARM
5.38%
5.49%
View
▼
Rate5.38%
APR5.49%
Points0.000
UpdatedMar 15, 2026
Details

As Low As

Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1407 Main St Ste 100, Angwin, CA, 94508 0330
1st Deed Jumbo 5/5/30 Year - 1 Yr. TCM
360
5.50%
5.50%
View
▼
Rate5.50%
APR5.50%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

1st United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
109 Review Way, Alameda, CA, 94501
Jumbo Loans to $2,000,000 7/1 ARM
5.50%
5.50%
View
▼
Rate5.50%
APR5.50%
Points0.000
UpdatedMar 17, 2026
Details

$1,249,126

Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Elk Grove, CA, 95628 3756
7/1 ARM
5.38%
5.53%
View
▼
Rate5.38%
APR5.53%
Points0.500
UpdatedMar 11, 2026
Details

No additional details available.

1st United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
109 Review Way, Alameda, CA, 94501
High Balance Loans to $1,249,125 7/1 ARM
5.50%
5.54%
View
▼
Rate5.50%
APR5.54%
Points0.000
UpdatedMar 17, 2026
Details

$832,751

Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
10075 Carroll Canyon Rd, Chula Vista, CA, 91910 7565
Jumbo 5/6 ARM
5.38%
5.58%
View
▼
Rate5.38%
APR5.58%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
10325 Meanley Dr, Carlsbad, CA, 91910
3/1 ARM
5.50%
5.58%
View
▼
Rate5.50%
APR5.58%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

Skyone Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.07%
14600 Aviation Blvd, El Segundo, CA, 90245 3439
Adjustable-Rate Mortgage ARMs (Jumbo)
7/1
5.50%
5.61%
View
▼
Rate5.50%
APR5.61%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Elk Grove, CA, 95628 3756
7/1 ARM
5.50%
5.61%
View
▼
Rate5.50%
APR5.61%
Points0.000
UpdatedMar 11, 2026
Details

No additional details available.

Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
5656 Tujunga Ave, Los Angeles, CA, 90036 3684
7/1 ARM
5.50%
5.62%
View
▼
Rate5.50%
APR5.62%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
100 S Main St Ste 110, Alhambra, CA, 90012
Jumbo Adjustable Rate Mortgage (ARM) Rate 7/1 ARM
5.62%
5.65%
View
▼
Rate5.62%
APR5.65%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
1050 Linden Ave, Carson, CA, 90012 3336
5/6 Mo ARM
5.12%
5.67%
View
▼
Rate5.12%
APR5.67%
Points0.000
UpdatedMar 15, 2026
Details

Start Rate

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
100 S Main St Ste 110, Alhambra, CA, 90012
7/1 ARM
5.62%
5.67%
View
▼
Rate5.62%
APR5.67%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
1050 Linden Ave, Carson, CA, 90012 3336
7/6 Mo ARM
5.38%
5.69%
View
▼
Rate5.38%
APR5.69%
Points0.000
UpdatedMar 15, 2026
Details

Start Rate

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
171 Branham Ln Ste 12, Fremont, CA, 94539
7/1 ARM - 15 Year Term
5.38%
5.69%
View
▼
Rate5.38%
APR5.69%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Altura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
10725 Magnolia Ave, Banning, CA, 91752
5/6 Month Sofr ARM
5.50%
5.69%
View
▼
Rate5.50%
APR5.69%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Altura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
10725 Magnolia Ave, Banning, CA, 91752
7/6 Month Sofr ARM
5.50%
5.69%
View
▼
Rate5.50%
APR5.69%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
10325 Meanley Dr, Carlsbad, CA, 91910
5/5 ARM
5.50%
5.72%
View
▼
Rate5.50%
APR5.72%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

Patelco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1050 Admiral Ct Ste F, Berkeley, CA, 94015
5/5 30-Year Adjustable Jumbo
5.75%
5.73%
View
▼
Rate5.75%
APR5.73%
Points0.000
UpdatedMar 15, 2026
Details

$832,751 to $2,500,000

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
171 Branham Ln Ste 12, Fremont, CA, 94539
5/1 ARM - 15 Year Term
5.25%
5.74%
View
▼
Rate5.25%
APR5.74%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Patelco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1050 Admiral Ct Ste F, Berkeley, CA, 94015
7/1 30-Year Adjustable Jumbo
5.62%
5.75%
View
▼
Rate5.62%
APR5.75%
Points0.000
UpdatedMar 15, 2026
Details

$832,751 to $2,500,000

Patelco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1050 Admiral Ct Ste F, Berkeley, CA, 94015
5/1 30-Year Adjustable Jumbo
5.62%
5.76%
View
▼
Rate5.62%
APR5.76%
Points0.000
UpdatedMar 15, 2026
Details

$832,751 to $2,500,000

The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
1030 Shaw Ave, Atascadero, CA, 91762
10-Year SOFR ARM Jumbo Purchase
5.75%
5.77%
View
▼
Rate5.75%
APR5.77%
Points0.125
UpdatedMar 20, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
5/5 ARM
5.25%
5.77%
View
▼
Rate5.25%
APR5.77%
Points0.000
UpdatedMar 11, 2026
Details

No additional details available.

Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1080 Enterprise Way Ste 150, Cupertino, CA, 94022 3618
30-Year 5/5 Adjustable-Rate Mortgage
5.38%
5.78%
View
▼
Rate5.38%
APR5.78%
Points0.000
UpdatedMar 15, 2026
Details

APR Jumbo 5.883%

Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1080 Enterprise Way Ste 150, Cupertino, CA, 94022 3618
30-Year 5/5 Adjustable-Rate Mortgage - Conforming
30
5.38%
5.78%
View
▼
Rate5.38%
APR5.78%
Points0.000
UpdatedMar 15, 2026
Details

Initial 5.375% (5.780% APR for conforming loans, or 5.883% APR for jumbo loans) is fixed for 5 years, then adjusts every 5 years based on an index and margin.

Patelco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1050 Admiral Ct Ste F, Berkeley, CA, 94015
5/5 30-Year Adjustable Jumbo
5.88%
5.78%
View
▼
Rate5.88%
APR5.78%
Points0.000
UpdatedMar 15, 2026
Details

$832,751 to $2,500,000

San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3201 California St, San Francisco, CA, 94114 3704
5/1 ARM
5.38%
5.79%
View
▼
Rate5.38%
APR5.79%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3201 California St, San Francisco, CA, 94114 3704
7/1 ARM
5.50%
5.81%
View
▼
Rate5.50%
APR5.81%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
5/5 ARM
5.38%
5.81%
View
▼
Rate5.38%
APR5.81%
Points0.000
UpdatedMar 11, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
5/5 ARM No PMI Adjustable-Rate Mortgage (ARM)
5.38%
5.81%
View
▼
Rate5.38%
APR5.81%
Points0.000
UpdatedMar 11, 2026
Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
1st Northern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
1111 Pine St, Benicia, CA, 94510 3579
20 Year Jumbo
5.25%
5.37%
View
▼
Rate5.25%
APR5.37%
Points0.750
UpdatedMar 17, 2026
Details

As Low As

Skyone Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.07%
14600 Aviation Blvd, El Segundo, CA, 90245 3439
Fixed-Rate Mortgage (Jumbo)
15-Year
5.25%
5.43%
View
▼
Rate5.25%
APR5.43%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

1st Northern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
1111 Pine St, Benicia, CA, 94510 3579
15 Year Jumbo
5.38%
5.53%
View
▼
Rate5.38%
APR5.53%
Points0.750
UpdatedMar 17, 2026
Details

As Low As

Altura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
10725 Magnolia Ave, Banning, CA, 91752
15 Year - Jumbo Fixed
5.24%
5.53%
View
▼
Rate5.24%
APR5.53%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Skyone Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.07%
14600 Aviation Blvd, El Segundo, CA, 90245 3439
Fixed-Rate Mortgage (Jumbo)
20-Year
5.50%
5.64%
View
▼
Rate5.50%
APR5.64%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
171 Branham Ln Ste 12, Fremont, CA, 94539
15 Year - Fixed Rate Jumbo Mortgages
5.50%
5.66%
View
▼
Rate5.50%
APR5.66%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

1st Northern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
1111 Pine St, Benicia, CA, 94510 3579
30 Year Jumbo
5.62%
5.71%
View
▼
Rate5.62%
APR5.71%
Points0.750
UpdatedMar 17, 2026
Details

As Low As

Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1080 Enterprise Way Ste 150, Cupertino, CA, 94022 3618
10-Year Fixed-Rate Mortgage - Jumbo
5.62%
5.73%
View
▼
Rate5.62%
APR5.73%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

Pacific Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
102 E Nees Ave, Clovis, CA, 93612
Jumbo
5.62%
5.74%
View
▼
Rate5.62%
APR5.74%
Points1.000
UpdatedMar 15, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
Fixed-Rate Mortgages: Jumbo 15 Year
15
5.50%
5.75%
View
▼
Rate5.50%
APR5.75%
Points1.000
UpdatedMar 11, 2026
Details

Loan Amounts: See Below

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
100 S Main St Ste 110, Alhambra, CA, 90012
Jumbo Fixed Rate 15-Year Fixed
5.75%
5.79%
View
▼
Rate5.75%
APR5.79%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

1st United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
109 Review Way, Alameda, CA, 94501
Jumbo Loans to $2,000,000 15 Year Fixed
5.75%
5.80%
View
▼
Rate5.75%
APR5.80%
Points0.000
UpdatedMar 17, 2026
Details

$1,249,126

Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1080 Enterprise Way Ste 150, Cupertino, CA, 94022 3618
15-Year Fixed-Rate Mortgage - Jumbo
5.75%
5.84%
View
▼
Rate5.75%
APR5.84%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
Fixed-Rate Mortgages: Jumbo 15 Year
15
5.75%
5.85%
View
▼
Rate5.75%
APR5.85%
Points0.000
UpdatedMar 11, 2026
Details

Loan Amounts: See Below

Skyone Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.07%
14600 Aviation Blvd, El Segundo, CA, 90245 3439
Fixed-Rate Mortgage (Jumbo)
30-Year
5.75%
5.86%
View
▼
Rate5.75%
APR5.86%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
15 Year Fixed-Rate Mortgages: Jumbo
15
5.62%
5.86%
View
▼
Rate5.62%
APR5.86%
Points1.000
UpdatedMar 11, 2026
Details

Loan Amounts: See Below

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
1030 La Playa Dr, Berkeley, CA, 90712 4109
30-Year Jumbo
5.75%
5.86%
View
▼
Rate5.75%
APR5.86%
Points1.000
UpdatedMar 17, 2026
Details

As Low As

California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
1060 University Ave Ste A101, Chula Vista, CA, 91910 7487
15-year Jumbo Fixed-Rate Mortgages
5.75%
5.88%
View
▼
Rate5.75%
APR5.88%
Points0.250
UpdatedMar 18, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
15 Year Fixed-Rate Mortgages: Jumbo
15
5.88%
5.95%
View
▼
Rate5.88%
APR5.95%
Points0.000
UpdatedMar 11, 2026
Details

Loan Amounts: See Below

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
1134 N Avalon Blvd, Long Beach, CA, 90732
First Mortgage - Jumbo Fixed Rate - 15 Years
15
5.88%
6.00%
View
▼
Rate5.88%
APR6.00%
Points0.625
UpdatedMar 20, 2026
Details

No additional details available.

Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
10075 Carroll Canyon Rd, Chula Vista, CA, 91910 7565
Jumbo 15 Year Fixed
5.75%
6.00%
View
▼
Rate5.75%
APR6.00%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
1278 Rocky Point Dr, Barstow, CA, 92004
30 Year Fixed Jumbo
6.00%
6.01%
View
▼
Rate6.00%
APR6.01%
Points0.000
UpdatedMar 20, 2026
Details

As Low As; Loan amounts up to $3,000,000; Purchase, refinance, cash-out options

Pacific Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
102 E Nees Ave, Clovis, CA, 93612
Jumbo
6.00%
6.02%
View
▼
Rate6.00%
APR6.02%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
1410 N Main St, Salinas, CA, 92126
Jumbo Loan
5.88%
6.02%
View
▼
Rate5.88%
APR6.02%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
30 Year Fixed-Rate Mortgages: Jumbo
30
5.88%
6.02%
View
▼
Rate5.88%
APR6.02%
Points1.000
UpdatedMar 11, 2026
Details

Loan Amounts: See Below

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
Fixed-Rate Mortgages: Jumbo 30 Year
30
5.88%
6.03%
View
▼
Rate5.88%
APR6.03%
Points1.000
UpdatedMar 11, 2026
Details

Loan Amounts: See Below

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
15804 Roscoe Blvd, Fairfield, CA, 91406 1350
Jumbo 15-Year
15
5.88%
6.07%
View
▼
Rate5.88%
APR6.07%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1080 Enterprise Way Ste 150, Cupertino, CA, 94022 3618
20-Year Fixed-Rate Mortgage - Jumbo
6.00%
6.07%
View
▼
Rate6.00%
APR6.07%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
1134 N Avalon Blvd, Long Beach, CA, 90732
First Mortgage - Jumbo Fixed Rate - 20 Years
20
6.00%
6.10%
View
▼
Rate6.00%
APR6.10%
Points0.625
UpdatedMar 20, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
Fixed-Rate Mortgages: Jumbo 15 Year
15
6.00%
6.10%
View
▼
Rate6.00%
APR6.10%
Points-1.000
UpdatedMar 11, 2026
Details

Loan Amounts: See Below

California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
1060 University Ave Ste A101, Chula Vista, CA, 91910 7487
20-year Jumbo Fixed-Rate Mortgages
6.00%
6.10%
View
▼
Rate6.00%
APR6.10%
Points0.250
UpdatedMar 18, 2026
Details

No additional details available.

The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
1030 Shaw Ave, Atascadero, CA, 91762
15-Year Fixed Jumbo Purchase
6.12%
6.14%
View
▼
Rate6.12%
APR6.14%
Points0.125
UpdatedMar 20, 2026
Details

No additional details available.

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
1134 N Avalon Blvd, Long Beach, CA, 90732
First Mortgage - Jumbo Fixed Rate - 15 Years
15
6.12%
6.15%
View
▼
Rate6.12%
APR6.15%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
School Employee Special No PMI Fixed-Rate Mortgage: Jumbo 30 Year
6.00%
6.15%
View
▼
Rate6.00%
APR6.15%
Points1.000
UpdatedMar 11, 2026
Details

No additional details available.

1st United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
109 Review Way, Alameda, CA, 94501
Jumbo Loans to $2,000,000 30 Year Fixed
6.12%
6.16%
View
▼
Rate6.12%
APR6.16%
Points0.000
UpdatedMar 17, 2026
Details

$1,249,126

First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
10202 Washington Blvd, Burbank, CA, 90038 3989
30 YEAR FIXED JUMBO
6.12%
6.16%
View
▼
Rate6.12%
APR6.16%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Pacific Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
102 E Nees Ave, Clovis, CA, 93612
Jumbo
5.75%
6.17%
View
▼
Rate5.75%
APR6.17%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

Altura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
10725 Magnolia Ave, Banning, CA, 91752
30 Year - Jumbo Fixed
5.88%
6.17%
View
▼
Rate5.88%
APR6.17%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
30 Year Fixed-Rate Mortgages: Jumbo
30
6.12%
6.17%
View
▼
Rate6.12%
APR6.17%
Points0.000
UpdatedMar 11, 2026
Details

Loan Amounts: See Below

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
Fixed-Rate Mortgages: Jumbo 30 Year
30
6.12%
6.19%
View
▼
Rate6.12%
APR6.19%
Points0.000
UpdatedMar 11, 2026
Details

Loan Amounts: See Below

San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
1811 El Camino Real, Burlingame, CA, 94010
Jumbo 30 Year Fixed Rate
6.12%
6.19%
View
▼
Rate6.12%
APR6.19%
Points0.000
UpdatedMar 11, 2026
Details

No additional details available.

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
1134 N Avalon Blvd, Long Beach, CA, 90732
First Mortgage - Jumbo Fixed Rate - 30 Years
30
6.12%
6.20%
View
▼
Rate6.12%
APR6.20%
Points0.625
UpdatedMar 20, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
15 Year Fixed-Rate Mortgages: Jumbo
15
6.12%
6.21%
View
▼
Rate6.12%
APR6.21%
Points-1.000
UpdatedMar 11, 2026
Details

Loan Amounts: See Below

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
171 Branham Ln Ste 12, Fremont, CA, 94539
30 Year - Fixed Rate Jumbo Mortgages
6.12%
6.22%
View
▼
Rate6.12%
APR6.22%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
171 Branham Ln Ste 12, Fremont, CA, 94539
20 Year - Fixed Rate Jumbo Mortgages
6.12%
6.25%
View
▼
Rate6.12%
APR6.25%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
14111 Danielson St, Cypress, CA, 90039
Jumbo 30 Year Fixed
30
6.12%
6.26%
View
▼
Rate6.12%
APR6.26%
Points1.000
UpdatedMar 18, 2026
Details

As Low As

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
1134 N Avalon Blvd, Long Beach, CA, 90732
First Mortgage - Jumbo Fixed Rate - 20 Years
20
6.25%
6.27%
View
▼
Rate6.25%
APR6.27%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
100 S Main St Ste 110, Alhambra, CA, 90012
Jumbo Fixed Rate 30-Year Fixed
6.25%
6.27%
View
▼
Rate6.25%
APR6.27%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Coasthills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
100 COMMUNITY LOOP, Arroyo Grande, CA, 93401 4084
30-Year Fixed Jumbo First Lien Mortgage Loans
6.25%
6.30%
View
▼
Rate6.25%
APR6.30%
Points0.000
UpdatedMar 16, 2026
Details

No additional details available.

Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1080 Enterprise Way Ste 150, Cupertino, CA, 94022 3618
30-Year Fixed-Rate Mortgage - Jumbo
6.25%
6.31%
View
▼
Rate6.25%
APR6.31%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
FHA - Fixed-Rate Mortgages 15 Year
15
5.12%
6.00%
View
▼
Rate5.12%
APR6.00%
Points1.000
UpdatedMar 11, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
Fixed-Rate Mortgages: FHA 15 Year
15
5.12%
6.00%
View
▼
Rate5.12%
APR6.00%
Points1.000
UpdatedMar 11, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
FHA Fixed-Rate Mortgages 15 Year
15
5.12%
6.03%
View
▼
Rate5.12%
APR6.03%
Points1.000
UpdatedMar 11, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
Fixed-Rate Mortgages: FHA 15 Year
15
5.12%
6.03%
View
▼
Rate5.12%
APR6.03%
Points1.000
UpdatedMar 11, 2026
Details

No additional details available.

The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
1030 Shaw Ave, Atascadero, CA, 91762
30-Year Fixed FHA Purchase
5.38%
6.06%
View
▼
Rate5.38%
APR6.06%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
FHA - Fixed-Rate Mortgages 15 Year
15
5.38%
6.10%
View
▼
Rate5.38%
APR6.10%
Points0.000
UpdatedMar 11, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
Fixed-Rate Mortgages: FHA 15 Year
15
5.38%
6.10%
View
▼
Rate5.38%
APR6.10%
Points0.000
UpdatedMar 11, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
FHA Fixed-Rate Mortgages 15 Year
15
5.38%
6.13%
View
▼
Rate5.38%
APR6.13%
Points0.000
UpdatedMar 11, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
Fixed-Rate Mortgages: FHA 15 Year
15
5.38%
6.13%
View
▼
Rate5.38%
APR6.13%
Points0.000
UpdatedMar 11, 2026
Details

No additional details available.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
1030 La Playa Dr, Berkeley, CA, 90712 4109
30-Year FHA
5.38%
6.24%
View
▼
Rate5.38%
APR6.24%
Points1.125
UpdatedMar 17, 2026
Details

As Low As

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
1410 N Main St, Salinas, CA, 92126
FHA Loan
5.38%
6.26%
View
▼
Rate5.38%
APR6.26%
Points0.000
UpdatedMar 15, 2026
Details

As Low As; Rates as low as 5.375% (6.265% APR)

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
401 W 2nd St, San Bernardino, CA, 92401
FHA 30 Year
5.50%
6.33%
View
▼
Rate5.50%
APR6.33%
Points0.375
UpdatedMar 17, 2026
Details

As Low As

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
FHA - Fixed-Rate Mortgages 15 Year
15
5.62%
6.35%
View
▼
Rate5.62%
APR6.35%
Points-1.000
UpdatedMar 11, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
Fixed-Rate Mortgages: FHA 15 Year
15
5.62%
6.35%
View
▼
Rate5.62%
APR6.35%
Points-1.000
UpdatedMar 11, 2026
Details

No additional details available.

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
2607 7th St Ste A, Berkeley, CA, 94710 2571
FHA - 15 Year Fixed Rate
5.62%
6.38%
View
▼
Rate5.62%
APR6.38%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
FHA Fixed-Rate Mortgages 15 Year
15
5.62%
6.38%
View
▼
Rate5.62%
APR6.38%
Points-1.000
UpdatedMar 11, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
Fixed-Rate Mortgages: FHA 15 Year
15
5.62%
6.38%
View
▼
Rate5.62%
APR6.38%
Points-1.000
UpdatedMar 11, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
FHA - Fixed-Rate Mortgages 30 Year
30
5.75%
6.60%
View
▼
Rate5.75%
APR6.60%
Points1.000
UpdatedMar 11, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
Fixed-Rate Mortgages: FHA 30 Year
30
5.75%
6.60%
View
▼
Rate5.75%
APR6.60%
Points1.000
UpdatedMar 11, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
FHA Fixed-Rate Mortgages 30 Year
30
5.75%
6.61%
View
▼
Rate5.75%
APR6.61%
Points1.000
UpdatedMar 11, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
Fixed-Rate Mortgages: FHA 30 Year
30
5.75%
6.61%
View
▼
Rate5.75%
APR6.61%
Points1.000
UpdatedMar 11, 2026
Details

No additional details available.

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
2607 7th St Ste A, Berkeley, CA, 94710 2571
No Closing Cost - FHA 15 Year Fixed Rate
5.88%
6.63%
View
▼
Rate5.88%
APR6.63%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
FHA - Fixed-Rate Mortgages 30 Year
30
6.00%
6.75%
View
▼
Rate6.00%
APR6.75%
Points0.000
UpdatedMar 11, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
Fixed-Rate Mortgages: FHA 30 Year
30
6.00%
6.75%
View
▼
Rate6.00%
APR6.75%
Points0.000
UpdatedMar 11, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 California St, Adelanto, CA, 90004
Federal Housing Administration (FHA) loans 30-year
30-year
5.88%
6.76%
View
▼
Rate5.88%
APR6.76%
Points0.932
UpdatedMar 15, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
FHA Fixed-Rate Mortgages 30 Year
30
6.00%
6.77%
View
▼
Rate6.00%
APR6.77%
Points0.000
UpdatedMar 11, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
Fixed-Rate Mortgages: FHA 30 Year
30
6.00%
6.77%
View
▼
Rate6.00%
APR6.77%
Points0.000
UpdatedMar 11, 2026
Details

No additional details available.

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
2607 7th St Ste A, Berkeley, CA, 94710 2571
FHA - 30 Year Fixed Rate
6.25%
6.78%
View
▼
Rate6.25%
APR6.78%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
FHA - Fixed-Rate Mortgages 30 Year
30
6.25%
7.01%
View
▼
Rate6.25%
APR7.01%
Points-1.000
UpdatedMar 11, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
Fixed-Rate Mortgages: FHA 30 Year
30
6.25%
7.01%
View
▼
Rate6.25%
APR7.01%
Points-1.000
UpdatedMar 11, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
FHA Fixed-Rate Mortgages 30 Year
30
6.25%
7.02%
View
▼
Rate6.25%
APR7.02%
Points-1.000
UpdatedMar 11, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA, 90045
Fixed-Rate Mortgages: FHA 30 Year
30
6.25%
7.02%
View
▼
Rate6.25%
APR7.02%
Points-1.000
UpdatedMar 11, 2026
Details

No additional details available.

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
2607 7th St Ste A, Berkeley, CA, 94710 2571
No Closing Cost - FHA 30 Year Fixed Rate
6.50%
7.04%
View
▼
Rate6.50%
APR7.04%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

Altura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
10725 Magnolia Ave, Banning, CA, 91752
15 Year - FHA Fixed
6.75%
7.04%
View
▼
Rate6.75%
APR7.04%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Altura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
10725 Magnolia Ave, Banning, CA, 91752
30 Year - FHA Fixed
6.88%
7.17%
View
▼
Rate6.88%
APR7.17%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
401 W 2nd St, San Bernardino, CA, 92401
Utah Housing FHA
6.38%
7.20%
View
▼
Rate6.38%
APR7.20%
Points0.000
UpdatedMar 17, 2026
Details

As Low As

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
1410 N Main St, Salinas, CA, 92126
VA Loan
5.38%
5.67%
View
▼
Rate5.38%
APR5.67%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
18 W Thousand Oaks Blvd, Camarillo, CA, 91360 4458
15 Year Fixed VA
5.50%
5.79%
View
▼
Rate5.50%
APR5.79%
Points0.500
UpdatedMar 15, 2026
Details

As Low As

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 Kaiser Plz, Agoura Hills, CA, 90001
30-Year Fixed-Rate VA
5.62%
5.82%
View
▼
Rate5.62%
APR5.82%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

Coasthills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
100 COMMUNITY LOOP, Arroyo Grande, CA, 93401 4084
VA First Lien Mortgage Loans 30-Year Fixed
30-Year
5.88%
5.94%
View
▼
Rate5.88%
APR5.94%
Points0.000
UpdatedMar 16, 2026
Details

No additional details available.

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
401 W 2nd St, San Bernardino, CA, 92401
VA 30 Year
5.50%
5.98%
View
▼
Rate5.50%
APR5.98%
Points0.500
UpdatedMar 17, 2026
Details

As Low As

Zions Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
100 Corporate Pointe, Acton, CA, 90008
30-Year VA Fixed
30
5.88%
6.18%
View
▼
Rate5.88%
APR6.18%
Points0.000
UpdatedMar 15, 2026
Details

Advertised APR assumes excellent credit. Your APR may be higher.

Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
1278 Rocky Point Dr, Barstow, CA, 92004
VA 30 Year Fixed
6.12%
6.37%
View
▼
Rate6.12%
APR6.37%
Points0.000
UpdatedMar 20, 2026
Details

As Low As; 100% financing available; Purchase, refinance and cash-out options available

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
700 Gale Dr, Campbell, CA, 95008
VA Loans
6.12%
6.43%
View
▼
Rate6.12%
APR6.43%
Points0.000
UpdatedMar 20, 2026
Details

30-Year Rates As Low As; Primary Residence

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 California St, Adelanto, CA, 90004
Veterans Affairs (VA) loans 30-year
30-year
6.12%
6.46%
View
▼
Rate6.12%
APR6.46%
Points0.509
UpdatedMar 15, 2026
Details

No additional details available.

Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
18 W Thousand Oaks Blvd, Camarillo, CA, 91360 4458
30 Year Fixed Conforming VA
5.88%
6.55%
View
▼
Rate5.88%
APR6.55%
Points0.500
UpdatedMar 15, 2026
Details

As Low As

The mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment.

Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.

Mortgage Calculators

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Methodology & Data Sources

Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Sierra City, 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 Sierra City, 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.

Frequently Asked Questions about Mortgage Rates in Sierra City, California

How does my credit score affect my rate in California?

Your credit score is a major factor. Generally, borrowers in Sierra City, California with higher credit scores (760+) receive the lowest interest rates.

What is a 30-Year Fixed Mortgage?

A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in California because it offers lower monthly payments compared to shorter-term loans.

What are closing costs in California?

Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In California, these may include appraisal fees, title insurance, and recording fees.

Should I lock my mortgage rate?

If you are satisfied with the current rate and worried rates might rise before closing on your home in Sierra City, California, locking your rate is a good idea. It guarantees your rate for a specific period.

What is an Adjustable-Rate Mortgage (ARM)?

An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.

What is a Jumbo Loan in Sierra City, California?

A Jumbo Loan exceeds the conforming loan limits set by the FHFA. In high-cost areas of California, these limits are higher. These loans typically require stronger credit and larger down payments.

Do I need 20% down to buy a house in California?

No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in Sierra City, California offer loans with as little as 3% or 3.5% down (FHA). VA loans may require no down payment.

What is the difference between Interest Rate and APR?

The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.

How do I find the best lender in Sierra City, California?

Compare rates from multiple sources including local banks, credit unions, and online lenders using the tables on this page to find the best offer for your situation.

What are the best Mortgage rates in Sierra City, California?

  • Ontario-Montclair School Employees Federal Credit Union: 4.99% (30 Year Fixed Rate Mortgage)
  • TULARE COUNTY: 5.12% (30-Year Fixed)
  • Carolinas Telco Federal Credit Union: 5.75% (Fixed Rate-First Mortgages 30-Year Fixed)
  • San Francisco Fire Credit Union: 5.62% (30 Year Fixed Rate Mortgage)
  • SAG AFTRA Federal Credit Union: 5.50% (30-Year Fixed)
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: March 20, 2026

Sierra City, California Rates & Resources

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