Mortgage Lenders and Brokers in McKinleyville, California
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
McKinleyville, California mortgage lenders include Tri Counties BankTri Counties Bank1640 Central Ave, Mckinleyville, CA 95519A+5.0 ★Texas Ratio: 5.34%, Columbia BankColumbia Bank2095 Central Ave, Mckinleyville, CA 95519A+5.0 ★Texas Ratio: 2.28%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Altura Credit UnionAltura Credit Union300 S Highland Springs Ave, Banning, CA 92220 6504A+5.0 ★Texas Ratio: 3.54%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, Pacific Service Credit UnionPacific Service Credit Union840 Herndon Ave, Clovis, CA 93612A+5.0 ★Texas Ratio: 1.59%, Sofi Bank, National AssociationSofi Bank, National Association9960 Live Oak Blvd, Live Oak, CA 95953A+5.0 ★Texas Ratio: 0.51%, and Redwood Credit UnionRedwood Credit Union406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281A+5.0 ★Texas Ratio: 4.20%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in McKinleyville, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in McKinleyville are listed first, then lenders elsewhere in California, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in McKinleyville, California
Market share is the lender's share of all home loans closed in McKinleyville, California. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in McKinleyville 1640 Central Ave, Mckinleyville, CA 95519 A+5.0 ★Texas Ratio: 5.34% |
Conventional, Jumbo, HELOC | 3 +4 HELOCs |
1.8% | 100% | $445,000 | View |
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1 office in McKinleyville 2095 Central Ave, Mckinleyville, CA 95519 A+5.0 ★Texas Ratio: 2.28% |
Conventional, HELOC | 1 +3 HELOCs |
0.6% | 100% | $65,000 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $75,000 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.6% | 100% | $225,000 | View |
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300 S Highland Springs Ave, Banning, CA 92220 6504 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 0.6% | 100% | $375,000 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 1 | 0.6% | 100% | $1,025,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.6% | 100% | $405,000 | View |
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840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
Conventional | 1 | 0.6% | 100% | $55,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.6% | 100% | $255,000 | View |
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406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Summit Funding.Inc
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Conventional, Jumbo | 6 | 3.5% | 100% | $468,333 | |
New American Funding, LLC.
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Conventional, FHA, HELOC | 4 +1 HELOCs |
2.4% | 100% | $235,000 | |
HomeXpress Mortgage Corp.
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Conventional, Jumbo | 2 | 1.2% | 100% | $640,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.6% | 100% | $455,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 0.6% | 100% | $325,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.6% | 100% | $155,000 | |
Stg Mortgage Inc
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Conventional | 1 | 0.6% | 100% | $555,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.6% | 100% | $465,000 | |
Figure Lending LLC
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HELOC | 0 +7 HELOCs |
0% | n/a | ||
Fairway Independent Mort Corp
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Conventional, FHA, VA | 37 | 21.8% | 92.5% | $365,540 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 26 +1 HELOCs |
15.3% | 100% | $418,076 | |
Rocket Mortgage
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Conventional, FHA | 20 | 11.8% | 83.3% | $214,000 | |
Better Mortgage Corporation
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Conventional, FHA | 13 | 7.6% | 81.2% | $442,692 | |
Florida Capital Bank, N.A
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Conventional, FHA | 5 | 2.9% | 100% | $421,000 | |
Credit Human Federal Credit Un
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Conventional | 4 | 2.4% | 80% | $85,000 | |
First Colony Mortgage Corporat
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Conventional, FHA | 3 | 1.8% | 100% | $385,000 | |
Nationstar Mortgage
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Conventional | 3 | 1.8% | 75% | $285,000 | |
Mortgage Research Center
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VA | 3 | 1.8% | 100% | $465,000 | |
The Loan Store, Inc
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Conventional | 3 | 1.8% | 100% | $301,666 | |
Spring Eq, LLC
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Conventional | 3 | 1.8% | 60% | $108,333 | |
Triad Financial Services, Inc.
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Conventional | 2 | 1.2% | 85.7% | $90,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 2 | 1.2% | 100% | $390,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 2 | 1.2% | 100% | $440,000 | |
21St Mortgage
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Conventional | 2 | 1.2% | 66.7% | $165,000 | |
American Financial Resources LLC
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Conventional | 1 | 0.6% | 100% | $345,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.6% | 100% | $175,000 | |
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A5.0 ★Texas Ratio: 11.06% |
VA | 1 | 0.6% | 100% | $465,000 | View |
Primary Residential Mortgage, INC.
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Conventional | 1 | 0.6% | 100% | $785,000 | |
Newrez LLC
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Conventional | 1 | 0.6% | 20% | $285,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.6% | 100% | $535,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.6% | 100% | $395,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.6% | 100% | $25,000 | |
Evergreen Moneysource Mortgage Company
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FHA | 1 | 0.6% | 100% | $325,000 | |
Planet Home Lending, LLC
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Conventional | 1 | 0.6% | 100% | $95,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.6% | 100% | $75,000 | View |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.6% | 100% | $575,000 | View |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.6% | 100% | $235,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.6% | 100% | $215,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
McKinleyville Mortgage Rate Trends
Daily average mortgage rates for California compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in McKinleyville, California
Looking for mortgage lenders near me or mortgage brokers near me in McKinleyville? The list below shows the banks, credit unions and mortgage brokers that closed home loans in McKinleyville in 2025, with lenders based there listed first.
Types of Mortgage Lenders in McKinleyville, CA
Use these to narrow the list above. Each category shows how many McKinleyville, CA lenders fit and what that kind of lender is usually best for.
Who Lends in McKinleyville, CA
Independent mortgage companies closed 85.9 percent of home loans in McKinleyville, California in 2025, banks 9.4 percent and credit unions 4.7 percent. Change Lending was the largest mortgage company, Tri Counties Bank the largest bank and Altura Credit Union the largest credit union. Among lenders headquartered in California, Tri Counties Bank led with 3 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in California. County documentary transfer tax of $1.10 per $1,000 (0.11 percent), with many cities adding their own transfer tax (for example San Francisco and Los Angeles at much higher rates); no mortgage recording tax.
More California Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in McKinleyville, CA
By home loans closed in 2025, Tri Counties Bank was the largest mortgage lender in McKinleyville, California with 3 loans, about 1.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
9 lenders closed FHA loans in McKinleyville, California in 2025, led by Fairway Independent Mort Corp with 9. 5 lenders closed VA loans, led by Fairway Independent Mort Corp. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 13 banks and 11 credit unions closed home loans in McKinleyville, California in 2025, alongside 34 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in McKinleyville, California during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in McKinleyville, California for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up McKinleyville. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
