Lender profile
Heritage Community
Lender Live rate observations
Heritage Community at a glance
Heritage Community is a lender based in California. LoanMate.ai tracks 10 published loan products from Heritage Community (14 rate listings), last verified 2026-10-17. Its lowest published rate today is 5.59% on New auto loan. Its 30-year fixed rate of 7.25% is 0.25 points above the national median of 7% (across 233 lenders publishing that product). Heritage Community lends in California only.
Purchase mortgage (6)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| 5/1ARM | 6.125 | 6.819 | 0.00 | — | 2026-10-17 | Lender source ↗ |
| 7/1ARM | 6.250 | 6.825 | 0.00 | — | 2026-10-17 | Lender source ↗ |
| 15FP | 6.500 | 6.825 | 1.00 | — | 2026-10-17 | Lender source ↗ |
| 15FP | 6.875 | 7.042 | 0.00 | — | 2026-10-17 | Lender source ↗ |
| 30FP | 7.250 | 7.460 | 1.00 | — | 2026-10-17 | Lender source ↗ |
| 30FP | 7.500 | 7.609 | 0.00 | — | 2026-10-17 | Lender source ↗ |
HELOC (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| HELOC | — | 6.75 | — | — | 2026-10-17 | Lender source ↗ |
| HELOC | — | 7.75 | — | — | 2026-10-17 | Lender source ↗ |
Home equity loan (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| FHEL | — | 5.89 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL | — | 6.64 | — | — | 2026-10-17 | Lender source ↗ |
Auto loan (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW | — | 5.59 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED | — | 5.84 | — | — | 2026-10-17 | Lender source ↗ |
Personal loan (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-UNSEC | — | 10.84 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-LINE | — | 11.74 | — | — | 2026-10-17 | Lender source ↗ |
How Heritage Community 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 Heritage Community?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Heritage Community is 5.59% on its New auto loan. 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 Heritage Community lend?
Heritage Community lends in California only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Heritage Community's 30-year fixed rate compare nationally?
Heritage Community publishes 30-year fixed at 7.25%. The national median for that product is 7% across 233 lenders in LoanMate.ai's October 17, 2026 dataset, so Heritage Community is 0.25 points above 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.