Patelco Mortgage & Home Equity Rates


Find the best possible rates for your specific
needs on mortgages or home equity loans/lines.
Use our quick and easy Rate Tracker* or
Mortgage Calculators to find the
best solution for you!

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Rate Tracker

For California and Illinois properties only: Interested in tracking a specific rate for any Home Loan product?

Use our quick and easy Rate Tracker*!

*Rates are subject to change without notice. This is not a commitment to lend or a loan approval of any kind. Rate Tracker is available in CA and IL only.

Rates Effective 05/28/2015 – California and Illinois Properties Only.

Conforming Fixed Rate Loans from $50,000.00 to $417,000.00 Learn More > Apply Now >

Loan Program Rate Points APR1
30-Year Fixed Rate 3.750% 1.000 3.905%
30-Year Fixed Rate 3.875% 0.500 3.990%
30-Year Fixed Rate 4.000% 0.000 4.074%
20-Year Fixed Rate 3.500% 1.000 3.712%
20-Year Fixed Rate 3.625% 0.500 3.781%
20-Year Fixed Rate 3.750% 0.000 3.850%
15-Year Fixed Rate 2.875% 1.000 3.135%
15-Year Fixed Rate 3.000% 0.500 3.189%
15-Year Fixed Rate 3.125% 0.000 3.244%
10-Year Fixed Rate 2.750% 1.000 3.127%
10-Year Fixed Rate 2.875% 0.500 3.148%
10-Year Fixed Rate 3.000% 0.000 3.170%
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High-Balance Fixed Rate Loans from $417,000.00 up to $625,500.00 Learn More > Apply Now >

Loan Program Rate Points APR1
High-Balance 30-Year Fixed Rate 3.750% 1.000 3.889%
High-Balance 30-Year Fixed Rate 3.875% 0.500 3.974%
High-Balance 30-Year Fixed Rate 4.000% 0.000 4.059%
High-Balance 15-Year Fixed Rate 2.875% 1.000 3.108%
High-Balance 15-Year Fixed Rate 3.000% 0.500 3.163%
High-Balance 15-Year Fixed Rate 3.125% 0.000 3.217%
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Jumbo Fixed Rate Loans from $417,000.01 - $2,000,000.00 Learn More > Apply Now >

Loan Program Rate Points APR1
30-Year Fixed Rate Jumbo 3.500% 1.000 3.628%
30-Year Fixed Rate Jumbo 3.625% 0.500 3.713%
30-Year Fixed Rate Jumbo 3.750% 0.000 3.798%
15-Year Fixed Rate Jumbo 3.125% 1.000 3.349%
15-Year Fixed Rate Jumbo 3.250% 0.500 3.403%
15-Year Fixed Rate Jumbo 3.375% 0.000 3.456%
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Freedom Mortgage Partnership

We have partnered with Freedom Mortgage Corporation to offer FHA (Federal Housing Administration, VA (Veteran Affairs), and USDA (rural area) loans in all 50 states and the District of Columbia plus conventional loans for properties outside of California and Illinois.

Talk to a Freedom Mortgage loan officer at (844) 508-8490 about rates and terms for government loans and loans for properties outside of California or Illinois.

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Rate Tracker

For California and Illinois properties only: Interested in tracking a specific rate for any Home Loan product?

Use our quick and easy Rate Tracker*!

*Rates are subject to change without notice. This is not a commitment to lend or a loan approval of any kind. Rate Tracker is available in CA and IL only.

Rates Effective 05/28/2015 – California and Illinois Properties Only.

Conforming Adjustable Rate Loans from $50,000.00 - $417,000.00 Learn More > Apply Now >

Loan Program Rate Points APR1
3/1 30-Year Adjustable Rate 2.375% 1.000 3.100%
3/1 30-Year Adjustable Rate 2.500% 0.500 3.088%
3/1 30-Year Adjustable Rate 2.625% 0.000 3.077%
5/1 30-Year Adjustable Rate 2.625% 1.000 3.092%
5/1 30-Year Adjustable Rate 2.750% 0.500 3.097%
5/1 30-Year Adjustable Rate 2.875% 0.000 3.101%
5/5 30-Year Adjustable Rate 2.750% 1.000 3.093%
5/5 30-Year Adjustable Rate 2.875% 0.500 3.097%
5/5 30-Year Adjustable Rate 3.000% 0.000 3.102%
7/1 30-Year Adjustable Rate 2.875% 1.000 3.152%
7/1 30-Year Adjustable Rate 3.000% 0.500 3.171%
7/1 30-Year Adjustable Rate 3.125% 0.000 3.190%
10/1 30-Year Adjustable Rate 3.250% 1.000 3.348%
10/1 30-Year Adjustable Rate 3.375% 0.500 3.385%
10/1 30-Year Adjustable Rate 3.500% 0.000 3.422%
High-Balance 5/1 30-Year Adjustable Rate 2.625% 1.000 3.092%
High-Balance 5/1 30-Year Adjustable Rate 2.750% 0.500 3.097%
High-Balance 5/1 30-Year Adjustable Rate 2.875% 0.000 3.101%
High-Balance 7/1 30-Year Adjustable Rate 2.875% 1.000 3.152%
High-Balance 7/1 30-Year Adjustable Rate 3.000% 0.500 3.171%
High-Balance 7/1 30-Year Adjustable Rate 3.125% 0.000 3.190%
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Jumbo Adjustable Rate Loans from $417,000.01 - $2,000,000.00 Learn More > Apply Now >

Loan Program Rate Points APR1
7/1 30-Year Jumbo Adjustable Rate 2.875% 1.000 3.130%
7/1 30-Year Jumbo Adjustable Rate 3.000% 0.500 3.149%
7/1 30-Year Jumbo Adjustable Rate 3.125% 0.000 3.167%
10/1 30-Year Jumbo Adjustable Rate 3.250% 1.000 3.325%
7/1 30-Year Jumbo Adjustable Rate 3.375% 0.500 3.362%
10/1 30-Year Jumbo Adjustable Rate 3.500% 0.000 3.399%
5/1 30-Year Jumbo Adjustable Rate 2.625% 1.000 3.070%
5/1 30-Year Jumbo Adjustable Rate 2.750% 0.500 3.075%
5/1 30-Year Jumbo Adjustable Rate 2.875% 0.000 3.079%
5/5 30-Year Jumbo Adjustable Rate 2.875% 1.000 3.137%
5/5 30-Year Jumbo Adjustable Rate 3.000% 0.500 3.141%
5/5 30-Year Jumbo Adjustable Rate 3.125% 0.000 3.146%
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Freedom Mortgage Partnership

We have partnered with Freedom Mortgage Corporation to offer FHA (Federal Housing Administration, VA (Veteran Affairs), and USDA (rural area) loans in all 50 states and the District of Columbia plus conventional loans for properties outside of California and Illinois.

Talk to a Freedom Mortgage loan officer at (844) 508-8490 about rates and terms for government loans and loans for properties outside of California or Illinois.

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Rates Effective 05/28/2015 – California Properties Only.

Interest Only Equity Line of Credit Variable rate, open-ended loan Learn More > Apply Now >

Amount Loan-to-Value Rate/APR1
$10,000-$250,000.00 Up to 90% 3.99% to 6.49%
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Home Equity Loans Fixed rate, fixed term Learn More > Apply Now >

Term Amount Loan-to-Value Rate APR1
7 years $10,000 - $250,000.00 Up to 80% LTV 5.00% 5.00%
10 years $10,000-$250,000.00 Up to 80% LTV 5.24% 5.24%
15 years $10,000-$250,000.00 Up to 80% LTV 5.24% 5.24%
20 years $10,000-$250,000.00 Up to 80% LTV 5.74% 5.74%
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  1. Rates, terms, conditions, and availability are subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an offer or commitment to lend. Loans are subject to credit and property approval. Other conditions and restrictions may apply. Hazard insurance may be required. NMLS ID Number is 506373.