State rate guide
Best loan rates in California
33 lenders with published rates lend in California. Every figure below is a lender-published rate tracked by LoanMate.ai and verified October 16, 2026. The lowest published 30-year fixed purchase rate available in California is 6.5% from Veterans United Home Loans, versus a national median of 7%.
Lowest published rates in California
| Product | Best rate | Lender | National median |
|---|---|---|---|
| 30-year fixed | 6.5% | Veterans United Home Loans | 7% |
| 15-year fixed | 5.875% | Veterans United Home Loans | 6.625% |
| 20-year fixed | 6.5% | Veterans United Home Loans | 6.75% |
| 30-year fixed refinance | 6.375% | AmeriSave Mortgage | 7% |
| 5/1 ARM | 5.99% | Rocket Mortgage | 5.933% |
| HELOC | 6.75% | NASA Federal Credit Union | 7% |
| New auto loan · 60 months | 5.49% | Alliant Credit Union | 5.49% |
| Used auto loan · 60 months | 5.84% | Alliant Credit Union | 6.25% |
| Unsecured personal loan · 36 months | 9.19% | PNC Bank | 11.165% |
| Unsecured personal loan · 60 months | 9.59% | PNC Bank | 11.25% |
Lenders lending in California
| Lender | Type | Products tracked | Lowest published rate |
|---|---|---|---|
| Credit Union of Southern California | Lender | 4 | 4.64% (New auto loan) |
| Premier America Credit Union | Lender | 2 | 4.74% (New auto loan) |
| Star One Credit Union | Lender | 5 | 4.75% (New auto loan) |
| Mission Federal Credit Union | Lender | 2 | 4.99% (New auto loan) |
| Chevron Federal Credit Union | Lender | 1 | 5.24% (New auto loan) |
| Fremont Bank | Lender | 3 | 5.25% (HELOC · INTRO) |
| Alliant Credit Union | Credit union | 11 | 5.49% (New auto loan · 60 months) |
| BMO Bank | Bank | 3 | 5.49% (HELOC · INTRO) |
| Tri Counties Bank | Lender | 1 | 5.5% (HELOC · INTRO) |
| PNC Bank | Bank | 6 | 5.74% (HELOC · INTRO) |
| Veterans United Home Loans | Lender | 4 | 5.875% (15-year fixed) |
| BECU | Lender | 5 | 5.89% (New auto loan) |
| Rocket Mortgage | Lender | 3 | 5.99% (15-year fixed) |
| NASA Federal Credit Union | Credit union | 7 | 6% (Fixed home equity · 5YR) |
| Chase | Bank | 4 | 6.24% (Used auto loan) |
| AmeriSave Mortgage | Lender | 1 | 6.375% (30-year fixed refinance) |
| California Bank & Trust | Lender | 3 | 6.5% (15-year fixed) |
| Citizens Bank | Bank | 2 | 6.625% (15-year fixed) |
| Wells Fargo | Bank | 2 | 6.74% (Unsecured personal loan) |
| U.S. Bank | Bank | 2 | 6.81% (New auto loan · 60 months) |
| Consumers Credit Union | Credit union | 2 | 6.875% (30-year fixed) |
| Patelco Credit Union | Lender | 2 | 6.88% (15-year fixed) |
| Provident Credit Union | Lender | 1 | 6.88% (15-year fixed) |
| California Coast Credit Union | Lender | 2 | 7% (15-year fixed) |
| PenFed Credit Union | Credit union | 1 | 7% (HELOC) |
| Figure | Lender | 1 | 7.25% (HELOC) |
| Kinecta Federal Credit Union | Lender | 1 | 7.25% (30-year fixed) |
| San Diego County Credit Union | Lender | 2 | 7.38% (10-year fixed) |
| Flagstar Bank | Bank | 1 | 7.49% (HELOC) |
| New American Funding | Lender | 1 | 7.5% (30-year fixed refinance) |
| LightStream | Lender | 1 | 7.74% (New auto loan) |
| Guaranteed Rate | Lender | 1 | 8.65% (HELOC) |
| Prosper | Lender | 1 | 8.99% (Unsecured personal loan) |
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