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Compare California’s Mortgage Rates | Thursday, February 5, 2026

Rates are current as of February 5, 2026 11:49 PM EST

California average mortgage rates:
30-Year Fixed

APR 6.01%

0.09% 1w
15-Year Fixed

APR 5.40%

-0.07% 1w
5-Year ARM

APR 6.35%

0.00% 1w
2 ResultsShowing rates for: Purchase, Good (720-739), $500,000, 30-year fixed, Single-family, Primary residence
License information
2 Results for: Purchase, Good (720-739), $500,000, 30-year fixed, Single-family, Primary residence.
Sage Home Loans

NMLS#3304

APR

6.01%

APR

6.01%

Interest rate

6.00%

Est. mo. payment

$2,397/mo

Total fees

$818

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The Nerdy headline

Sage Home Loans stands out for speed and convenience, though it lacks a mobile app and doesn’t serve New York borrowers.

Home loans overall

NerdWallet rating

4.5

What we like
  • Sample rates are easy to browse online.
  • Quick, convenient pre-qualification process.
  • Average time to close is just under 20 days, faster than industry standard.
What we don't like
  • Home loans aren’t available in New York.
  • No mobile app or online chat, despite focus on mortgage tech.
  • Online pre-qualification requires sharing contact info.
HSBC Bank

NMLS#399799

APR

6.53%

APR

6.53%

Interest rate

6.50%

Est. mo. payment

$2,529/mo

Total fees

$1,366

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Home loans overall

NerdWallet rating

5.0

What we like
  • Offers an online application and loan process updates.
  • Offers mortgages for investment properties.
  • Makes it easy to browse current rates and get a customized mortgage rate quote.
What we don't like
  • Does not offer FHA or VA government-backed loans.
  • No renovation mortgage options.

About these rates: The lenders whose rates appear on this table are NerdWallet's advertising partners. NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a lender's site. The terms advertised here are not offers and do not bind any lender. The rates shown here are retrieved via the Mortech rate engine and are subject to change. These rates do not include taxes, fees, and insurance. Your actual rate and loan terms will be determined by the partner's assessment of your creditworthiness and other factors. Any potential savings figures are estimates based on the information provided by you and our advertising partners.

Today's mortgage rates in California | Thursday, February 5, 2026

Last updated 11:49 PM EST
On Thursday evening, February 5, 2026, the average interest rate on a 30-year fixed-rate mortgage fell four basis points to 6.01% APR, compared to yesterday.
The average rate on a 15-year fixed-rate mortgage fell 15 basis points to 5.4% APR. The average rate on a 5-year adjustable-rate mortgage fell nine basis points to 6.35% APR.
The 30-year fixed-rate mortgage rate is nine basis points higher than one week ago and 69 basis points lower than one year ago.
A basis point is one hundredth of a percent, or 0.01%. We describe mortgage rates’ ups and downs in basis points because they simplify comparisons.
NerdWallet’s rates are expressed as an annual percentage rate, or APR, and our mortgage rates data comes from Zillow.

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