Los Angeles, CA Mortgage Rates
Live Mortgage Rates in Los Angeles, California
6.490%
Los Angeles Conventional Purchase benchmark (80% LTV, 780 FICO), updated Thursday, November 5, 2026 at 3:21 PM UTC
Sourced live from hundreds of wholesale lenders serving Los Angeles and California
Los Angeles Benchmark Rates
Lowest available rate with no discount points paid in Los Angeles, CA for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · Los Angeles, CA | 6.490% | 6.529% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · Los Angeles, CA | 5.990% | 6.025% |
VA VA Purchase (100% LTV, 680 FICO) · Los Angeles, CA | 6.125% | 6.155% |
2026 Loan Limits in California
Conforming
$832,750 baseline
High-cost California counties go up to $1,249,125 - Los Angeles may qualify depending on the specific property county.
FHA
$541,287
Standard FHA limit. Select high-cost California counties allow more, up to $1,249,125 - check your specific county.
About Los Angeles Mortgage Rates
The rates shown above reflect the lowest available wholesale pricing for a Los Angeles, California homebuyer at the time of the snapshot. Rate Direct pulls pricing from hundreds of lenders serving California and refreshes hourly, so the numbers stay close to what a licensed mortgage broker could actually source for a Los Angeles property.
Your specific Los Angeles rate depends on credit score, loan amount, property type (single-family vs multi-unit vs condo), loan-to-value, and loan purpose. A 780 FICO buyer at 80% LTV will price materially better than a 680 FICO buyer at 95% LTV. To see your exact rate across the full California lender network, use the Rate Direct pricer.
Los Angeles buyers also have access to FHA, VA, and USDA programs with lower down payments and more flexible credit guidelines. For down payment assistance specific to California, see the California DPA guide.
Get your personalized Los Angeles mortgage rate
The rates above are the market benchmark for Los Angeles. Your actual rate depends on your scenario.