Lender profile
Monterra
Lender Live rate observations
Monterra at a glance
Monterra is a lender based in California. LoanMate.ai tracks 1 published loan products from Monterra (1 rate listings), last verified 2026-10-17. Its lowest published rate today is 5.25% on HELOC · INTRO. Its HELOC · INTRO rate of 5.25% is 0.5 points below the national median of 5.75% (across 71 lenders publishing that product). Monterra lends in California only.
HELOC (1)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| HELOC-INTRO | — | 5.25 | — | — | 2026-10-17 | Lender source ↗ |
How Monterra compares
Compare all heloc rates · Best loan rates in California
Compare with: 1St Northern California, 1St United, Aerospace, Altura
Common questions
What is the lowest published rate at Monterra?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Monterra is 5.25% on its HELOC · INTRO. 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 Monterra lend?
Monterra lends in California only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Monterra's HELOC · INTRO rate compare nationally?
Monterra publishes HELOC · INTRO at 5.25%. The national median for that product is 5.75% across 71 lenders in LoanMate.ai's October 17, 2026 dataset, so Monterra 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.