Best Mortgage in California

Home purchase loans, refinancing, and home equity products from top mortgage lenders. In California, personal loans are capped at 36% APR for licensed consumer lenders, overseen by the California Department of Financial Protection and Innovation (DFPI).

California Lending Overview

Personal Loan APR cap

36%

Median Home Price

$802,300

Median Household Income

$91,000

Avg Student Debt

$38,300

State Regulator

California Department of Financial Protection and Innovation (DFPI)

Notable law: California's Consumer Financial Protection Law (2020) expanded the DFPI's oversight to include fintech lenders and imposed a 36% APR cap on personal loans between $2,500 and $10,000.

8 Mortgage Lenders serving California

Best Egg

Mortgage

4.1

APR Range: 7.99% – 29.99%
Loan Amount: $2,000 – $50,000
Min Credit Score: 660

Available to residents of California

Apply at Best Egg

Better Mortgage

Mortgage

4.0

APR Range: 6.30% – 7.50%
Loan Amount: $50,000 – $2,000,000
Min Credit Score: 620

Available to residents of California

Apply at Better Mortgage

Bluevine

Mortgage

3.9

APR Range: 4.80% – 95.00%
Loan Amount: $1,000 – $500,000
Min Credit Score: 620

Available to residents of California

Apply at Bluevine

Capital One Auto

Mortgage

4.1

APR Range: 5.09% – 19.99%
Loan Amount: $4,000 – $250,000
Min Credit Score: 600

Available to residents of California

Apply at Capital One Auto

Earnest

Mortgage

4.2

APR Range: 3.95% – 9.99%
Loan Amount: $5,000 – $500,000
Min Credit Score: 670

Available to residents of California

Apply at Earnest

LightStream

Mortgage

4.3

APR Range: 6.49% – 24.89%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of California

Apply at LightStream

LightStream Auto

Mortgage

4.2

APR Range: 6.49% – 20.49%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of California

Apply at LightStream Auto

OnDeck

Mortgage

3.5

APR Range: 10.99% – 99.00%
Loan Amount: $5,000 – $400,000
Min Credit Score: 625

Available to residents of California

Apply at OnDeck

California Lending Laws

California's Consumer Financial Protection Law (2020) expanded the DFPI's oversight to include fintech lenders and imposed a 36% APR cap on personal loans between $2,500 and $10,000.

The primary regulator for consumer lending in California is the California Department of Financial Protection and Innovation (DFPI). Borrowers with complaints about a lender can file reports directly with that agency or with the federal Consumer Financial Protection Bureau (CFPB).

Frequently Asked Questions

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