Wholesale rate sheet · updated April 18, 2026 · 8am ET
California Mortgage Rate Sheet — April 18, 2026
The lowest 30-year fixed rates from 42 credit unions publishing wholesale sheets in California, ranked by APR. Updated daily.
Data source: publicly posted CU rate sheets · Not an offer of credit
California market snapshot · today
7-day sparkline reflects California median APR trend · 30-year fixed conforming
Today’s California leaderboard.
Top 10 credit unions ranked by APR on a $400K / 360mo conforming loan.
No sheet data for California today.
No credit unions in California published a wholesale rate sheet in the last 24 hours. Check back after 8am ET tomorrow, or see other state sheets.
About the California wholesale market.
California has the deepest wholesale market in the country — expect 40+ CUs publishing rate sheets and the tightest pricing spreads nationally. 42 credit unions are publishing rate sheets in California today.
Program mix: Jumbo-heavy — conforming limits are quickly exceeded in coastal metros. Conventional 30-year fixed dominates non-jumbo volume; minimal FHA outside Central Valley.
Licensing & regulation: California DFPI regulates state-chartered CUs. Brokers also deal with California DRE for real estate licensing. Higher compliance surface than most states.
Largest wholesale CUs by membership: Golden 1 Credit Union, SchoolsFirst FCU, Star One Credit Union.
Typical home-price band: $750,000–$850,000 · factors into conforming-vs-jumbo break in broker sheets.
Need 15-year, FHA, VA, USDA, or jumbo sheets? Query the full program surface via /v1/decisions with product_type filters.
See other state sheets →
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