Commerce, California Refinance Rates - October 2026
Brian McKay
Brian McKay
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Commerce, California mortgage refinance rates range from 4.50% to 9.62%, verified by MonitorBankRates as of October 12, 2026. Current mortgage refinance 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%. Refinance rates as of October 12, 2026 according to verified data from MonitorBankRates.
Commerce homeowners can compare 330 refinance 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. Lenders below quote one rate for purchase and refinance loans. Use the tabs to compare all loan types and terms, then run the break-even calculator further down. Rates are continually updated, so we recommend checking back frequently.
Refinance rates reflect actual verified offers from lenders actively lending to California homeowners. Your final approved rate will depend on your credit profile, loan-to-value ratio, cash-out amount, and daily market movements. Last Updated and Verified: October 12, 2026
Compare Refinance Rates Today in Commerce, California & the Surrounding Area
Rates shown are each lender’s posted rate for that loan type, which most lenders apply to purchase and refinance loans alike. Local Commerce, CA lenders are listed first in every tab. Among lenders that post both, refinance pricing currently runs about 0.176 points above the same lender’s purchase rate nationally. That premium is shown for context only; every rate in the table is the lender’s posted rate.
Commerce 30 Year Fixed Refinance 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 Refinance 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 Refinance Rates
up to $1.5; APR & payment based on $400,000 loan; Rates subject to change daily. Request more information
Loans up to $1,500,000; APR & Payment based on $400,000 loan; Rates subject to change daily.; Home Loan Request More Information
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
Commerce 30-Year Jumbo Refinance 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 Refinance 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 Refinance 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.
National Refinance Rate Averages
Daily averages of posted rates across every lender we track, as of October 12, 2026. Use these as the benchmark for the Commerce, California quotes above; lenders that price refinances separately currently run about 0.176 points higher.
Commerce, CA Refinance Rate Trends
Compare local Commerce, CA refinance quotes against the statewide average
Daily averages of posted first-mortgage rates across our lender network, updated every evening. Because most lenders price purchase and refinance loans identically, this is the benchmark a California refinance quote should be measured against, plus roughly 0.176 points at lenders that price refinances separately.
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%.
What Commerce, CA Homeowners Actually Pay to Refinance
Posted refinance rates from our lender network alongside the rates borrowers closed at, from federal HMDA filings
Two different measures. The refinance premium is computed nightly from lenders that publish separate purchase and refinance pricing. HMDA figures are median note rates on loans that actually closed.
California Refinance Rate Forecast, Next 12 Months
Where are California refinance rates headed through October 2027?
Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. If the forecast shows rates falling, waiting may beat refinancing today; the break-even calculator below shows what each scenario is worth. Not financial advice.
What Forecast Rates Mean for Commerce, CA Homeowners Refinancing
Monthly principal & interest on a 30-year refinance of the loan of $478,960 (80% of the city median home value). Payment differences show what waiting for the forecast rate would be worth each month.
| 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.
Commerce, California Refinance Break-Even Calculator
Enter your current loan and the refinance rate you have been quoted. The calculator shows the new payment, monthly savings, and how many months it takes for those savings to pay back the closing costs. Click a current Commerce, California rate on the right to test it instantly.
Principal and interest only. Excludes escrow, mortgage insurance, and any prepayment penalty on the current loan. Lifetime interest compares the remaining interest on the current loan to total interest on the new loan. Estimates are for informational purposes only.
Run the Numbers on Your Commerce, California Refinance
The rate is only part of the decision. Use these calculators to turn current Commerce, California home refinance rates into monthly savings, break-even months, and total interest before you request quotes from refinance lenders.
If 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.
CalculateEnter 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.
CalculateIf your goal is cash rather than a lower rate, compare current Commerce, California home equity loan and HELOC rates against a cash-out refinance. Keeping a low existing first mortgage and adding a second lien is often the cheaper path, especially for loans originated between 2020 and 2022.
CompareTell 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.
CalculateTypes of Refinance Loans Available in Commerce, California
Homeowners in Commerce, California can choose from several refinance programs. The right one depends on what you are trying to do: lower the rate, shorten the term, pull cash out, or drop mortgage insurance. Pricing, appraisal requirements, and eligibility differ across each, and the cheapest program is not always the lowest posted rate once fees are counted.
Rate-and-Term Refinance
The standard refinance. You replace your existing mortgage with a new loan for about the same balance, changing only the rate, the term, or both. It is the lowest-priced refinance product at nearly every California lender because the loan-to-value ratio does not rise.
Best for homeowners whose rate is at least half a point above today’s Commerce, California average and who plan to stay past the break-even point. Choosing a term that matches your remaining years, rather than resetting to 30, keeps the payoff date where it is.
Cash-Out Refinance
A cash-out refinance replaces your mortgage with a larger one and hands you the difference at closing. Conventional lenders cap the new loan at 80% of appraised value; VA cash-out loans go to 90%. Rates run above rate-and-term pricing.
If you hold a low rate from 2020 to 2022, a home equity loan or HELOC in Commerce, California usually costs less than refinancing the whole balance at today’s rate to pull out cash.
FHA Streamline Refinance
For homeowners already in an FHA loan. No appraisal, no income verification, and limited credit review, as long as the new loan produces a net tangible benefit (generally a rate at least 0.5% lower, or a move from an ARM to a fixed rate). You need 210 days since the first payment and six on-time payments.
The upfront mortgage insurance premium is reduced to 0.01% and annual MIP continues, so FHA borrowers with 20% equity and good credit should also price a conventional rate-and-term refinance, which drops mortgage insurance entirely.
VA IRRRL (Streamline Refinance)
The Interest Rate Reduction Refinance Loan lets veterans refinance an existing VA loan with no appraisal, no income documentation, and a funding fee of just 0.5% (waived for borrowers with a service-connected disability). Closing costs can be rolled into the loan.
The new rate must be lower than the current one unless you are moving from an ARM to a fixed rate, and you must recoup closing costs within 36 months. VA lenders in California quote IRRRL pricing separately, so ask for it by name.
USDA Streamlined-Assist Refinance
For homeowners with an existing USDA Rural Development loan. No appraisal or credit review in most cases, and the new payment must be at least $50 a month lower than the current one. The property no longer has to meet the rural eligibility map.
Twelve months of on-time payments are required, and the 1% upfront guarantee fee plus the annual fee apply to the new loan.
Jumbo Refinance
The 2026 FHFA conforming loan limit for Commerce, California is $832,750. A refinance above that amount is a jumbo loan and stays on the lender’s books or goes to private investors, so pricing and underwriting are set lender by lender.
Jumbo refinances usually require a 700 or higher credit score, reserves of six to twelve months of payments, and a loan-to-value of 80% or less. Because balances are large, even a quarter-point rate difference is worth thousands a year, so compare the 30-Year Jumbo and 15-Year Jumbo tabs above closely. If paying the balance down to the conforming limit at closing is possible, conforming refinance pricing is often noticeably better.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Commerce, California refinance 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 Refinance 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. Where a lender publishes a product specifically for refinancing, that product is listed by name; where a lender publishes one rate sheet for purchase and refinance loans, that rate is shown as the refinance rate, which is how the lender itself quotes it.
Refinance Premium and HMDA Figures: The refinance premium is the average difference between a lender’s refinance-labeled product and the same lender’s standard product of the same term, computed nightly across lenders that publish both. It is shown for context and is never added to any rate in the tables. HMDA figures are median note rates on first-lien, owner-occupied, one-to-four-unit loans originated in the most recent reporting year, from the Consumer Financial Protection Bureau’s public Loan/Application Register.
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 and refinance 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 Refinance Works in Commerce, California
A refinance pays off your current mortgage with a new loan on the same Commerce, California home. The new lender wires the payoff to the old lender at closing, and from that point you make payments on the new loan only. Because it is a brand-new mortgage, you go through an application, credit check, and usually an appraisal, and you pay closing costs, just as you did when you bought the home.
How Commerce, California Refinance Rates Compare to Purchase Rates
Most California banks and credit unions post one rate sheet that applies to purchase and refinance loans alike, which is why the tables above show the same lenders you will find on our Commerce, California mortgage rates page. For example, Certified Federal Credit Union is listing a 30-Year Fixed at 6.50% for either purpose. Some lenders price refinances separately and list them by name, such as The First Financial Federal Credit Union’s 5/5 ARM (Adjustable Rate Mortgage) - 5/5 ARM (Purchase & Refinance) - Loans million at 6.00%. Across lenders that post both, refinance pricing currently runs about 0.176 points above the same lender’s purchase rate nationally. Cash-out refinances, investment properties, and second homes carry pricing add-ons at every lender.
Finding Your Break-Even Point in Commerce, California
Divide total closing costs by the monthly payment savings and you get the number of months until the refinance has paid for itself. A Commerce, California homeowner who expects to sell before that month should not refinance, no matter how good the rate looks. The calculator above runs this math with today’s local rates. A shorter break-even, under three years, is a comfortable margin; anything past five years needs a long stay to pay off.
Refinance Closing Costs and No-Closing-Cost Loans in Commerce, California
Refinance closing costs in California typically run two to five percent of the loan and include the lender’s origination fee, appraisal, title search and lender’s title policy, recording fees, and prepaid interest. Discount points are optional and buy the rate down. A no-closing-cost refinance rolls the fees into a higher rate or the loan balance. It is not free, but it can be the better choice for a homeowner likely to move or refinance again within a few years, because there is nothing to recoup.
When Commerce, California Homeowners Should Wait
Refinancing rarely pays when the new rate is less than half a point below the current one, when you are more than ten years into a 30-year loan and would reset the clock, or when your credit score has dropped since the original loan. Homeowners holding a rate from 2020 to 2022 are usually better served by keeping that loan and using a home equity loan or HELOC for cash needs. Our California refinance rate trends above show where rates have been over the past 90 days, and the forecast gives a sense of where they may head, so you can decide whether to lock now or wait.
Frequently Asked Questions about Refinance Rates in Commerce, California
What are home loan refinance rates in Commerce, CA today?
Are refinance rates higher than purchase mortgage rates in California?
When does refinancing make sense in Commerce, California?
How soon can I refinance a mortgage in California?
What is a rate-and-term refinance?
What is a cash-out refinance?
Does refinancing reset my 30-year term?
What are typical refinance closing costs in California?
What is the difference between interest rate and APR on a refinance?
Should I lock my refinance rate?
How do I compare refinance lenders in Commerce, California?
How do I get refinance quotes in Commerce, California?
What are the best refinance 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
