LendyWendy is an AI-powered mortgage matching service that connects California homebuyers with top-rated local mortgage lenders. Our technology analyzes your financial profile and matches you with lenders offering the best rates for your specific situation.

Is LendyWendy free to use?

Yes, LendyWendy is 100% free for borrowers. We are compensated by lenders when a loan closes, so there's never any cost to you for using our matching service or AI advisor.

Will checking my mortgage options affect my credit score?

No. Using LendyWendy's AI advisor or Mortgage Readiness Score does not impact your credit score. We only perform a soft inquiry which has no effect on your credit.

What types of mortgages can I find through LendyWendy?

LendyWendy matches borrowers with lenders offering all major loan types including Conventional, FHA, VA, USDA, Jumbo, DSCR, fix-and-flip, commercial mortgages, and Non-QM loans for self-employed or non-traditional income borrowers.

How fast can I get pre-approved?

Most borrowers receive pre-qualification within 2 minutes using our AI advisor. Full pre-approval with a matched lender typically takes 24-48 hours after document submission.

Does LendyWendy serve all of California?

Yes, LendyWendy serves all California markets including Los Angeles, San Francisco, San Diego, Sacramento, San Jose, Orange County, and every other city and county in the state.

What is a DSCR loan and who qualifies?

A DSCR (Debt Service Coverage Ratio) loan is an investment property loan that qualifies borrowers based on the property's rental income rather than personal income. Real estate investors qualify when the property's rental income covers at least 100% of the mortgage payment. No tax returns or employment verification required.

What credit score do I need for a California mortgage?

Credit score requirements vary by loan type: FHA loans accept 580+ (3.5% down) or 500-579 (10% down), Conventional loans require 620+, VA loans typically need 620+, and Jumbo loans usually require 700+. LendyWendy matches you with lenders who specialize in your credit profile.

How much down payment do I need to buy a house in California?

Down payment requirements depend on loan type: VA and USDA loans offer $0 down for eligible borrowers, FHA loans require 3.5% down, Conventional loans start at 3% down for first-time buyers, and Jumbo loans typically require 10-20% down. California down payment assistance programs may also be available.

What is the difference between pre-qualification and pre-approval?

Pre-qualification is a quick estimate based on self-reported information and doesn't involve a credit check. Pre-approval is a formal commitment from a lender after reviewing your credit, income, and assets. Pre-approval letters make your offers more competitive in California's housing market.

Live Data — Scraped from Credit Union Websites

Today's Best California
Mortgage Rates

Real rates scraped directly from California credit union websites. Not estimates. Not averages. Actual posted rates, updated regularly.

50+ Credit Unions Tracked

Avg 0.5% Lower Than Banks

NCUA Insured

Credit Union Rate Leaderboard

Ranked by lowest rate. Filter by loan type. Updated regularly.

Rate Drop Alert

Free • Instant • Cancel anytime

Set your target rate and we'll watch California credit unions for you. The moment one drops below your number, you'll get an email.

How to Use These Rates

1. Browse & Compare

Filter rates by loan type. See which credit unions offer the lowest rates for your situation.

2. Compare Savings

Use our Big Bank vs. Credit Union tool above to see exactly how much you save over the life of your loan.

3. Get Matched

Ready to move? Let us match you with the right lender for your exact situation and lock in a great rate.

Frequently Asked Questions

Where do these mortgage rates come from?

We scrape mortgage rates directly from California credit union websites on a regular basis. These are actual posted rates, not estimates or averages. Rates are subject to change and may vary based on your credit score, down payment, and other factors.

Why are credit union rates often lower than big bank rates?

Credit unions are member-owned, not-for-profit cooperatives. They don't have shareholders demanding profits, so they can pass savings to members through lower rates, lower fees, and better terms. Credit unions also tend to have lower overhead costs than large national banks.

Can anyone join a California credit union?

Most California credit unions have expanded their membership eligibility. Many are open to anyone who lives, works, worships, or attends school in certain California counties. Some are open to all California residents. Check each credit union's membership requirements.

How often are these rates updated?

We update our rate data regularly by visiting each credit union's website. Rates can change daily, so the rates shown represent the most recent data from our last scan. Always confirm rates directly with the credit union before making decisions.

Are credit union mortgages as reliable as bank mortgages?

Absolutely. Credit unions are federally insured (by NCUA) just like banks (by FDIC). They follow the same lending regulations and originate standard mortgage products (Conventional, FHA, VA). Many credit unions use the same secondary market loan programs as big banks.

Ready to Lock In a Great Rate?

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Equal Housing Opportunity | LendyWendy is not a lender

Free Assessment

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Take our 2-minute assessment to get your personalized Mortgage Readiness Score. See where you stand and what to improve before applying.

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Today's Best CaliforniaMortgage Rates