California mortgage rates November 13, 2026: cost to credit
On November 13, 2026 at 12:00 PM ET, RateVerdict priced a $400,000 30-year fixed California refinance with 780+ credit and the rate closest to $0 at closing was 6.750% (6.782% APR) with $1,100 in lender credit, the same rate that came with $500 in points the day before (source: RateVerdict California rate table and history).
The short answer for November 13, 2026
RateVerdict priced one California loan at 12:00 PM ET on Friday, November 13, 2026: a $400,000 30-year fixed refinance with a credit score of 780 or higher, priced against dozens of lenders (source: RateVerdict California rate table, as of November 13, 2026, 12:00 PM ET).
The rate closest to $0 at closing was 6.750%, with a 6.782% APR and $1,100 in lender credit. The top of the table was 6.125%, with a 6.509% APR and $14,852 in points (same source and time).
Same rate, the other side of $0
On Thursday, November 12, California's rate closest to $0 at closing was 6.750%, with $500 in points and a 6.791% APR. On Friday the rate was the same, but it came with $1,100 in lender credit and a 6.782% APR (source: RateVerdict California rate history, weekday midday snapshots).
That is a $1,600 change in what you would pay or receive at closing on the sample loan, for the same 6.750% note rate (6.791% APR on Thursday, 6.782% APR on Friday).
| Day priced | Rate closest to $0 | APR | Cost or credit at closing | Top of the table |
|---|---|---|---|---|
| Fri, Nov 13 | 6.750% | 6.782% | $1,100 credit | 6.125% (6.509% APR, $14,852 cost) |
| Thu, Nov 12 | 6.750% | 6.791% | $500 cost | 6.125% (6.459% APR, $12,864 cost) |
How California compared
- In all nine states in today's daily posts, 6.750% was the rate closest to $0 on both Thursday and Friday (source: RateVerdict state rate history pages).
- California's $1,600 move toward a credit was the largest of those nine. The smallest moves were in Florida and Virginia, where the price did not change.
- A quote you got yesterday at a given rate can carry a different price today. Ask for the points or credit in dollars along with the rate.
Friday's full California table
Every rate RateVerdict kept for the sample loan, each with its APR and its cost or credit at closing.
Today's California table shows every rate with its APR and its cost or credit in dollars, no sign-up needed.
See today's California rates| Rate | APR | Points | Cost or credit at closing |
|---|---|---|---|
| 6.125% | 6.509% | 3.713 | $14,852 cost |
| 6.250% | 6.573% | 3.071 | $12,284 cost |
| 6.375% | 6.638% | 2.460 | $9,840 cost |
| 6.500% | 6.691% | 1.715 | $6,860 cost |
| 6.625% | 6.755% | 1.079 | $4,316 cost |
| 6.750% | 6.782% | -0.275 | $1,100 credit |
| 7.000% | 7.042% | -0.389 | $1,556 credit |
| 7.125% | 7.149% | -0.811 | $3,244 credit |
| 7.250% | 7.274% | -1.240 | $4,960 credit |
| 7.375% | 7.400% | -1.642 | $6,568 credit |
| 7.500% | 7.524% | -2.032 | $8,128 credit |
| 7.625% | 7.649% | -2.418 | $9,672 credit |
A California rule for refinances
California's documentary transfer tax does not apply to an instrument given to secure a debt, such as a deed of trust recorded for a refinance (source: Cal. Rev. & Tax. Code section 11921).
See today's rate for your scenario
This post is one sample loan on one day. The California rate table on this site shows the current weekday table, and the California rate history page keeps past weekday snapshots. To compare states, see mortgage rates by state. To price your own balance, home value and credit range, use the rate tool on this site, with every rate shown beside its APR.
Common questions
What was the 30-year fixed refinance rate closest to $0 at closing in California on November 13, 2026?
It was 6.750% with a 6.782% APR and $1,100 in lender credit for the $400,000 California sample refinance with 780+ credit (source: RateVerdict California rate table, November 13, 2026, 12:00 PM ET).
How did November 13 compare with November 12, 2026 in California?
The rate closest to $0 stayed at 6.750%. Its price went from $500 in points (6.791% APR) to $1,100 in lender credit (6.782% APR) (source: RateVerdict California rate history).
Can the same rate come with a cost one day and a credit the next?
Yes. Lenders reprice their rate sheets, so the points or credit tied to a rate can change even when the rate does not. Compare quotes by the dollars at closing too.
Why is the APR lower on Friday at the same rate?
The APR counts points as a cost. With a credit instead of a cost, the 6.750% APR was 6.782% on Friday, against 6.791% on Thursday (source: RateVerdict California rate history).
Does a California refinance pay documentary transfer tax?
No, not on the deed of trust itself. California's documentary transfer tax does not apply to an instrument given to secure a debt (source: Cal. Rev. & Tax. Code section 11921).
See today's California rates
Today's California table shows every rate with its APR and its cost or credit in dollars, no sign-up needed.
Sources
- RateVerdict, California mortgage rates today (weekday midday snapshot)as of November 13, 2026, 12:00 PM ET
- RateVerdict, California mortgage rate historyas of November 12 and November 13, 2026 snapshots
- RateVerdict, mortgage rates by stateas of November 13, 2026
- RateVerdict, rate tool for your own loanas of November 13, 2026
- Cal. Rev. & Tax. Code section 11921as of checked October 2026
This article is educational and is not an offer to lend, a rate lock, or a commitment to lend. Rates and terms depend on a complete application and are subject to credit approval, underwriting, and program guidelines. Any figure shown comes from our pricing engines or a cited source with its as-of date. See how we get our numbers on the methodology page.
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