Compare Today’s Mortgage Rates for Capitola, California
Pureloan searches major banks and mortgage lenders all over the nation for the best home loan rates in Capitola, California 95010. Pureloan also provides a report on popular mortgage brokers in your area and a detailed analysis of your home loan payments. For a 30-year fixed loan, expected lifetime cash savings are $36,163 or $100 / month in Capitola and surrounding areas of Santa Cruz county.
Our search engine explores all possible home mortgage options including fixed rate, adjustable rate (ARM), FHA, VA, USDA, conventional, jumbo and conforming home mortgages for Capitola, California 95010.
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Summary of Average Mortgage Terms in Capitola, California 95010


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Interactive and Personalized Mortage Rates Analysis
To forecast and predict mortgage rates in Capitola, CA 95010, Pureloan has created an interactive chart to track the 5 largest nationwide lenders. Historical rates are based on closed mortgage financings, and projections are based on proprietary modeling.
Historical Mortgage Rates for Capitola, California 95010 from 2012 - 2019
We have compiled mortgage rate charts for home loans in Capitola, California and around Santa Cruz county to help you understand trends for your home purchase process. This data is produced from actual closed loans.
2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | |
---|---|---|---|---|---|---|---|---|
% 30 year fixed mortgage | 95.04% | 94.18% | 94.66% | 95.12% | 95.94% | 95.61% | 97.29% | 94.51% |
avg mortgage rate | 4.96% | 4.71% | 3.96% | 4.01% | 4.48% | 4.15% | 4.00% | 4.22% |
% 15 year fixed mortgage | 4.17% | 5.08% | 4.76% | 4.68% | 3.78% | 4.21% | 2.71% | 5.24% |
avg mortgage rate | 4.38% | 3.87% | 3.26% | 3.14% | 3.45% | 3.33% | 3.06% | 3.48% |
Avg credit score | 765.46 | 766.53 | 767.45 | 760.49 | 756.42 | 757.49 | 753.09 | 751.38 |
Avg LTV (loan to value) | 69.93% | 71.17% | 73.45% | 72.22% | 72.29% | 71.28% | 71.40% | 71.77% |
Avg DTI (debt to income) | 36.74 | 35.95 | 34.75 | 36.22 | 37.05 | 37.50 | 37.63 | 37.80 |
% First time homebuyer | 45.35% | 40.48% | 38.00% | 37.07% | 37.02% | 35.72% | 40.68% | 43.14% |
Avg mortgage insurance % | 1.24% | 2.11% | 3.46% | 3.65% | 4.27% | 3.36% | 4.29% | 5.48% |
Data produced from the Financial Report of the US Government
Best Mortgage Brokers Around Capitola, California 95010
If you’re looking to buy a new home in Capitola, we have compiled a list of the leading mortgage brokers around Capitola, California 95010 to help you with your search.
Financial Strategies Mortgage Services
621 Capitola Ave
Capitola CA 95010
(831) 476-6331
Grand Mortgage Associates
4145 Clares St
Capitola CA 95010
(831) 462-7454
Woodward O'Connor Mortgage
2121 41st Ave
Capitola CA 95010
(831) 464-4848
Residential Mortgage
4214 Gull Cove Way
Capitola CA 95010
(831) 462-6789
bdesimpel@earthlink.net
Wells Fargo Home Mortgage
2265 41st Ave
Capitola CA 95010
(831) 465-4000
http://www.wellsfargo.com/mortgage/
Address
621 Capitola Ave
Capitola CA
Contact
(831) 476-6331
Address
4145 Clares St
Capitola CA
Contact
(831) 462-7454
Address
2121 41st Ave
Capitola CA
Contact
(831) 464-4848