Current Home Purchase Mortgage Rates - 30 Years  California Lenders Under 7% for 30 Year Fixed Rate

Planning on purchasing a new home? Use ERATE®'s rate chart to compare today's top rates in California and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.

(Last Updated: 08/13/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.085% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.875 Points$2,800 Points Fee
$7,299 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.146% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.962 Points$3,078 Points Fee
$5,073 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.204% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$7,482 Total Fees$5,082 Lender Fees
 30 Years Fixed
6.217% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$7,717 Total Fees$5,317 Lender Fees
 30 Years Fixed
6.218% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$7,705 Total Fees$5,305 Lender Fees
 30 Years Fixed
6.218% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$7,525 Total Fees$5,125 Lender Fees
 30 Years Fixed
6.220% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$7,695 Total Fees$5,295 Lender Fees
 30 Years Fixed
6.223% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$7,681 Total Fees$5,281 Lender Fees
 30 Years Fixed
6.266% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$9,405 Total Fees$7,005 Lender Fees
 30 Years Fixed
6.324% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.400 Points$1,280 Points Fee
$2,505 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.331% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.611 Points$1,955 Points Fee
$2,750 Total Fees$795 Lender Fees
 30 Years Fixed
6.333% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.500 Points$1,600 Points Fee
$2,795 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.363% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.479 Points$1,533 Points Fee
$3,828 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.367% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.750 Points$2,400 Points Fee
$3,970 Total Fees$1,570 Lender Fees
 30 Years Fixed
6.374% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.682 Points$2,182 Points Fee
$4,182 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.388% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.983 Points$3,146 Points Fee
$4,777 Total Fees$1,631 Lender Fees
 30 Years Fixed
6.455% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.842 Points$2,694 Points Fee
$2,694 Total Fees$0 Lender Fees
 30 Years Fixed
6.456% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.448 Points$1,434 Points Fee
$2,729 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.467% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.500 Points$1,600 Points Fee
$3,095 Total Fees$1,495 Lender Fees
 30 Years Fixed
6.471% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.409 Points$1,309 Points Fee
$7,509 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.475% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.610 Points$1,952 Points Fee
$3,347 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.477% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.757 Points$2,422 Points Fee
$3,658 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.479% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.750 Points$2,400 Points Fee
$3,721 Total Fees$1,321 Lender Fees
 30 Years Fixed
6.487% APR 6.374% Rate 30 day rate lock $1,997 Payment per month
0.844 Points$2,701 Points Fee
$3,796 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.510% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.869 Points$2,781 Points Fee
$4,681 Total Fees$1,900 Lender Fees
 30 Years Fixed
6.559% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.938 Points$3,002 Points Fee
$6,202 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.630% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.988 Points$3,162 Points Fee
$4,489 Total Fees$1,327 Lender Fees
 30 Years Fixed
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6.342% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.975 Points$3,120 Points Fee
$3,120 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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