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: 12/30/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.696% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.624 Points$1,997 Points Fee
$2,496 Total Fees$499 Lender Fees
 30 Years Fixed
5.834% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.914 Points$2,925 Points Fee
$2,925 Total Fees$0 Lender Fees
 30 Years Fixed
5.836% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.625 Points$2,000 Points Fee
$3,070 Total Fees$1,070 Lender Fees
 30 Years Fixed
5.854% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.625 Points$2,000 Points Fee
$3,625 Total Fees$1,625 Lender Fees
 30 Years Fixed
5.930% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.592 Points$1,894 Points Fee
$1,894 Total Fees$0 Lender Fees
 30 Years Fixed
6.101% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.870 Points$2,784 Points Fee
$3,891 Total Fees$1,107 Lender Fees
 30 Years Fixed
6.110% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.965 Points$3,088 Points Fee
$3,788 Total Fees$700 Lender Fees
 30 Years Fixed
6.110% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.813 Points$2,602 Points Fee
$3,929 Total Fees$1,327 Lender Fees
 30 Years Fixed
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Numbers you can trust
5.821% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.776 Points$2,483 Points Fee
$2,483 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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