Lender profile
Certified
Lender Live rate observations
Certified at a glance
Certified is a lender based in California. LoanMate.ai tracks 16 published loan products from Certified (16 rate listings), last verified 2026-10-17. Its lowest published rate today is 4.49% on New auto loan · 48 months. Its 30-year fixed rate of 6.5% is 0.5 points below the national median of 7% (across 233 lenders publishing that product). Certified lends in California only.
Purchase mortgage (3)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| 15FP | 5.75 | 5.946 | — | — | 2026-10-17 | Lender source ↗ |
| 20FP | 6.25 | 6.402 | — | — | 2026-10-17 | Lender source ↗ |
| 30FP | 6.50 | 6.632 | — | — | 2026-10-17 | Lender source ↗ |
HELOC (1)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| HELOC | — | 7.00 | — | — | 2026-10-17 | Lender source ↗ |
Home equity loan (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| FHEL-10yr | 6.625 | 7.02 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-15yr | 7.00 | 7.23 | — | — | 2026-10-17 | Lender source ↗ |
Auto loan (8)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW-48 | — | 4.49 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-48 | — | 4.49 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-60 | — | 4.49 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-60 | — | 4.49 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-72 | — | 4.99 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-72 | — | 4.99 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-84 | — | 5.49 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-84 | — | 5.49 | — | — | 2026-10-17 | Lender source ↗ |
Personal loan (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-SEC-60 | — | 5.95 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-48 | — | 10.90 | — | — | 2026-10-17 | Lender source ↗ |
How Certified compares
Compare all purchase mortgage rates · Compare all heloc rates · Compare all home equity loan rates · Compare all auto loan rates · Compare all personal loan rates · Best loan rates in California
Compare with: 1St Northern California, 1St United, Aerospace, Altura
Common questions
What is the lowest published rate at Certified?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Certified is 4.49% on its New auto loan · 48 months. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does Certified lend?
Certified lends in California only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Certified's 30-year fixed rate compare nationally?
Certified publishes 30-year fixed at 6.5%. The national median for that product is 7% across 233 lenders in LoanMate.ai's October 17, 2026 dataset, so Certified is 0.5 points below the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.