Check Latest Mortgage Rates for Los Angeles in April 2026
Los Angeles is a major metropolitan market in California, the United States, with a median home price of approximately $950,000. Below you'll find the latest estimated mortgage rates for Los Angeles, updated daily to reflect current lending conditions. Use these rates alongside our free calculators to estimate your monthly payment, compare loan types, and plan your home purchase or refinance with confidence.
Los Angeles Mortgage Rates
Estimated rates as of 2026-04-04
| Product | Rate | APR | Points | Monthly / $100K |
|---|---|---|---|---|
| 30-Year Fixed | 6.72% | 6.84% | 0.7 | $647 |
| 15-Year Fixed | 5.97% | 6.07% | 0.5 | $842 |
| 5/1 ARM | 6.22% | 6.37% | 0.4 | $614 |
| FHA 30-Year | 6.42% | 6.60% | 0.3 | $627 |
| VA 30-Year | 6.12% | 6.20% | 0.0 | $607 |
| Jumbo 30-Year | 6.92% | 7.02% | 0.8 | $660 |
Rates shown are estimated averages based on current market conditions and may vary by lender, credit score, loan amount, and property type. Contact a licensed mortgage professional for personalized rate quotes.
Los Angeles Mortgage Market Overview
The Los Angeles housing market in California represents one of the most competitive mortgage lending markets in the United States. With a median home price of $950,000, buyers in Los Angeles have access to a range of mortgage products from both national and local lenders.
As a major metropolitan area, Los Angeles benefits from intense lender competition, which often translates to slightly more favorable mortgage rates compared to smaller markets. Jumbo loans are particularly common here due to higher property values, and buyers may find special incentives from lenders competing for market share.
When comparing mortgage rates in Los Angeles, remember that your actual rate depends on several factors including your credit score, down payment amount, debt-to-income ratio, and the property type. Rates shown on this page reflect market-wide averages and may differ from the specific rate you're offered.
For the most accurate picture of your mortgage costs in Los Angeles, California, we recommend using our free mortgage payment calculator alongside these rates. This combination gives you a realistic understanding of both the interest rate landscape and your actual monthly payment obligation.
Frequently Asked Questions About Mortgages in Los Angeles
Mortgage rates in Los Angeles, California are updated daily on this page. As of today, rates vary by loan type — for example, fixed-rate mortgages and adjustable-rate products will have different rates. Scroll up to our rate table for the most current figures. Remember that individual lender quotes may differ based on your credit profile and loan amount.
Los Angeles is a major housing market in the United States. Whether it's a good time to buy depends on your personal financial situation, career plans, and how long you plan to stay. Use our mortgage calculators to model different scenarios — compare monthly payments at current rates, estimate closing costs, and calculate your break-even point for buying vs. renting.
Mortgage rates in Los Angeles tend to be slightly below the national average due to intense lender competition in the metro area. The rates displayed on this page reflect Los Angeles-specific market conditions. For the most competitive rate, we recommend comparing offers from at least 3-5 lenders.
More Mortgage Rates in United States
158 other cities with daily rate updates
Calculate Your Monthly Payment in Los Angeles
Use current Los Angeles rates with our free mortgage calculator to see your exact monthly payment, interest costs, and amortization schedule.