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20-Year Fixed Conforming Mortgage Refinance

California 20-Year Fixed Mortgage Refinance Rates 2025

Compare California 20-Year Fixed Conforming Mortgage Refinance Rates with a loan amount of $320,000. Use the search box below to change the mortgage product or the loan amount. Click the lender name to view more information.

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California 20-Year Fixed Conforming Mortgage Refinance

March 25, 2025
Average: 6.90% APR

Advertiser Disclosure

Lender	APR	Rate (%)	Monthly Payment^?
Gezellig Financial LLC NMLS ID: 2352526	6.094% 20 Yr Fixed	6.000% Fees & Points $2,416 Total 0.755 Pts: $2,416 $0 Fees	$2,293	Learn More See Table View
District Lending NMLS ID: 1835285	6.169% 20 Yr Fixed	5.990% Fees & Points $4,643 Total 0.951 Pts: $3,043 $1,600 Fees	$2,291	Learn More See Table View
Mortgage X, LLC NMLS ID: 2569359	6.257% 20 Yr Fixed	6.125% Fees & Points $3,479 Total 0.745 Pts: $2,384 $1,095 Fees	$2,316	Learn More See Table View
Pure Rate Mortgage NMLS ID: 2578474	6.278% 20 Yr Fixed	6.125% Fees & Points $3,920 Total 0.897 Pts: $2,870 $1,050 Fees	$2,316	Learn More See Table View
Truss Financial Group NMLS ID: 2006915 License#: 60DBO-149268	6.293% 20 Yr Fixed	6.125% Fees & Points $4,329 Total 0.745 Pts: $2,384 $1,945 Fees	$2,316	Learn More See Table View
GenNext.Mortgage NMLS ID: 2326098 License#: 60DBO-181478	6.299% 20 Yr Fixed	6.125% Fees & Points $4,663 Total 0.847 Pts: $2,710 $1,953 Fees	$2,316	Learn More See Table View
PenFed Credit Union NMLS ID: 401822	6.373% 20 Yr Fixed	6.125% Fees & Points $6,400 Total 1.000 Pts: $3,200 $3,200 Fees	$2,316	Learn More See Table View
Refi.com NMLS ID: 1907 License#: California	6.697% 20 Yr Fixed	6.625% Fees & Points $1,802 Total 0.563 Pts: $1,802 $0 Fees	$2,410	Learn More See Table View
Agave Home Loans NMLS ID: 1951574 License#: DFPI-60DBO-112121	6.986% 20 Yr Fixed	6.875% Fees & Points $2,940 Total 0.857 Pts: $2,742 $198 Fees	$2,458	Learn More See Table View
Veterans United Home Loans NMLS ID: 1907	Use your VA Loan benefits to get cash from your home equity Get a personalized quote fast with instant uploads and 24/7 access Over 300,000 verified 5-star reviews 20 Yr Fixed			Learn More
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
U.s. Bank National Association Updated 05/07/2023	5.97%	5.75% 0.57 points $0.00 fees	$2,246.67	Learn MoreShow Less See Table View
El Dorado Savings Bank, F.s.b. Updated 03/21/2025	5.87%	6.12% 0.00 points $0.00 fees	$2,314.79	Learn MoreShow Less See Table View
Charles Schwab Bank, Ssb Updated 03/21/2025	6.44%	6.13% 2.00 points $3,210.00 fees	$2,317.20	Learn MoreShow Less See Table View
Star One Credit Union Updated 11/17/2023 Restrictions	7.03%	6.14% 0.00 points $0.00 fees	$2,318.31	Learn MoreShow Less See Table View
Citibank, National Association Updated 06/15/2022	6.38%	6.25% 0.13 points $2,739.00 fees	$2,338.97	Learn MoreShow Less See Table View
Patelco Credit Union Updated 09/22/2023 Restrictions	7.25%	6.49% 0.00 points $0.00 fees	$2,383.57	Learn MoreShow Less See Table View
Logix Credit Union Updated 11/01/2024 Restrictions	6.98%	6.75% 0.00 points $0.00 fees	$2,433.16	Learn MoreShow Less See Table View
Atlanta Postal Credit Union Updated 06/15/2022 Restrictions	7.16%	7.13% 0.00 points $3,394.00 fees	$2,505.02	Learn MoreShow Less See Table View
United Nations Credit Union Updated 06/15/2022 Restrictions	7.16%	7.13% 0.00 points $2,784.00 fees	$2,505.99	Learn MoreShow Less See Table View
State Employees Cu Of Maryland, Inc Credit Union Updated 06/15/2022 Restrictions	7.19%	7.13% 0.00 points $2,784.00 fees	$2,505.99	Learn MoreShow Less See Table View
Wescom Central Credit Union Updated 06/15/2022 Restrictions	7.19%	7.13% 1.00 points $0.00 fees	$2,505.99	Learn MoreShow Less See Table View
First Technology Credit Union Updated 02/06/2023 Restrictions	7.45%	7.25% 0.13 points $0.00 fees	$2,529.20	Learn MoreShow Less See Table View
Boeing Employees Credit Union Updated 06/15/2022 Restrictions	7.33%	7.25% 0.13 points $5,038.00 fees	$2,529.20	Learn MoreShow Less See Table View
San Diego County Credit Union Updated 06/15/2022 Restrictions	7.41%	7.38% 0.00 points $0.00 fees	$2,553.50	Learn MoreShow Less See Table View
Virginia Credit Union, Inc., Credit Union Updated 06/15/2022 Restrictions	7.41%	7.38% 0.38 points $2,784.00 fees	$2,554.47	Learn MoreShow Less See Table View
Citizens Equity First Credit Union Updated 06/15/2022 Restrictions	7.52%	7.50% 0.00 points $2,936.00 fees	$2,577.90	Learn MoreShow Less See Table View
Cit Bank, National Association Updated 06/15/2022	7.65%	7.60% 0.00 points $0.00 fees	$2,597.50	Learn MoreShow Less See Table View
Axos Bank Updated 06/15/2022	8.41%	8.38% 0.00 points $3,658.00 fees	$2,752.78	Learn MoreShow Less See Table View
Data provided by BestCashCow

Advertiser Disclosure: The lenders whose rates and other terms appear on this chart are ICB's advertising partners. They provide their rate information to our data partner RateUpdate.com. Unless adjusted by the consumer, advertisers are sorted by APR from lowest to highest. For any advertising partners that do not provide their rate they are listed in advertisement display units at the bottom of the chart. Advertising partners may not pay to improve the frequency priority or prominence of their display. The interest rates, annual percentage rates and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and do not bind. Any lender Monthly payment amounts stated do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. Although our data partner RateUpdate.com collects the information from the financial institutions themselves, the accuracy of the data cannot be guaranteed. Rates may change without notice and can change intraday. Some of the information contained in the rate tables including but not limited to special marketing notes is provided directly by the lenders. Please verify the rates and offers before applying for a loan with the financial institution themselves. No rate is binding until locked by a lender.

¹ Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Rates from this table are based on loan amount of $320,000 and a variety of factors including credit score and loan to value ratios. Rates may change at any time and are not guaranteed to be correct. For specific requirements please check with the lender.

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California 20-Year Fixed Mortgage Refinance Rates 2025

California 20-Year Fixed Conforming Mortgage Refinance

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