Mortgage Lenders and Brokers in Sea Ranch, 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
Sea Ranch, California mortgage lenders include US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Columbia BankColumbia Bank3700 Lone Tree Way, Antioch, CA 94509A+5.0 ★Texas Ratio: 2.28%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, Redwood Credit UnionRedwood Credit Union406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281A+5.0 ★Texas Ratio: 4.20%, PNC Bank N.A.PNC Bank N.A.1329 Broadway Ave, Atwater, CA 95301A+5.0 ★Texas Ratio: 4.24%, Paramount Residential MortgageParamount Residential MortgageCorona, CA, Bridgeway Lending Partners, LLCBridgeway Lending Partners, LLCCypress, CA, American Financial Network, Inc.American Financial Network, Inc.Brea, CA, and Flexpoint, Inc.Flexpoint, Inc.Costa Mesa, CA. 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 Sea Ranch, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sea Ranch 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 Sea Ranch, California
Market share is the lender's share of all home loans closed in Sea Ranch, 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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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo | 4 | 10.8% | 100% | $1,262,500 | View |
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3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28% |
Conventional, HELOC | 2 +1 HELOCs |
5.4% | 100% | $715,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 2 | 5.4% | 100% | $885,000 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 2 | 5.4% | 100% | $1,075,000 | View |
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406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20% |
Conventional, Jumbo, HELOC | 1 +2 HELOCs |
2.7% | 100% | $1,255,000 | View |
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★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
Conventional, Jumbo | 1 | 2.7% | 100% | $1,455,000 | View |
Paramount Residential Mortgage
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Conventional, Jumbo | 3 | 8.1% | 100% | $855,000 | |
Bridgeway Lending Partners, LLC
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Conventional, Jumbo | 1 | 2.7% | 100% | $1,175,000 | |
American Financial Network, Inc.
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Conventional, Jumbo | 1 | 2.7% | 100% | $995,000 | |
Flexpoint, Inc.
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Conventional, Jumbo | 1 | 2.7% | 100% | $1,125,000 | |
Rocket Mortgage
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Conventional, Jumbo | 5 | 13.5% | 100% | $727,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 3 | 8.1% | 100% | $1,025,000 | View |
United Wholesale Mortgage
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Conventional | 2 | 5.4% | 100% | $655,000 | |
Better Mortgage Corporation
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Conventional, Jumbo | 2 | 5.4% | 100% | $1,600,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 2.7% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 1 | 2.7% | 100% | $1,025,000 | View |
Everett Financial, Inc.
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Conventional | 1 | 2.7% | 100% | $645,000 | |
Nbkc Bank
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Conventional | 1 | 2.7% | 100% | $505,000 | |
BoxCar Mortgage, LLC
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Conventional, Jumbo | 1 | 2.7% | 100% | $1,435,000 | |
Nationstar Mortgage
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Conventional | 1 | 2.7% | 100% | $705,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 1 | 2.7% | 100% | $955,000 | View |
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Sea Ranch 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 Sea Ranch, California
Looking for mortgage lenders near me or mortgage brokers near me in Sea Ranch? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Sea Ranch in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Sea Ranch, CA
Use these to narrow the list above. Each category shows how many Sea Ranch, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Sea Ranch, CA
Independent mortgage companies closed 51.4 percent of home loans in Sea Ranch, California in 2025, banks 45.9 percent and credit unions 2.7 percent. Paramount Residential Mortgage was the largest mortgage company, US Bank, N.A. the largest bank and Redwood Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 2 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 Sea Ranch, CA
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Sea Ranch, California with 4 loans, about 10.8 percent of the market. The largest lender headquartered in California was Bank of America NA with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 10 banks and 1 credit unions closed home loans in Sea Ranch, California in 2025, alongside 11 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 Sea Ranch, 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 Sea Ranch, 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 Sea Ranch. 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.
