Lender profile
Sierra Central
Lender Live rate observations
Sierra Central at a glance
Sierra Central is a lender based in California. LoanMate.ai tracks 6 published loan products from Sierra Central (6 rate listings), last verified 2026-10-17. Its lowest published rate today is 6.5% on 5/1 ARM. Its 5/1 ARM rate of 6.5% is 0.44 points above the national median of 6.06% (across 73 lenders publishing that product). Sierra Central lends in California only.
Purchase mortgage (1)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| 5/1ARM | 6.5 | 7.33 | — | 1% of loan amount origination fee | 2026-10-17 | Lender source ↗ |
HELOC (1)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| HELOC | 7.75 | 8.25 | — | — | 2026-10-17 | Lender source ↗ |
Home equity loan (4)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| FHEL-5yr | 7.25 | 7.54 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-10yr | 7.75 | 7.79 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL | 7.875 | 8.13 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-15yr | 8.25 | 8.33 | — | — | 2026-10-17 | Lender source ↗ |
How Sierra Central compares
Compare all purchase mortgage rates · Compare all heloc rates · Compare all home equity 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 Sierra Central?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Sierra Central is 6.5% on its 5/1 ARM. 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 Sierra Central lend?
Sierra Central lends in California only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Sierra Central's 5/1 ARM rate compare nationally?
Sierra Central publishes 5/1 ARM at 6.5%. The national median for that product is 6.06% across 73 lenders in LoanMate.ai's October 17, 2026 dataset, so Sierra Central is 0.44 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.