Mortgage Lenders and Brokers in Sebastopol, 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
Sebastopol, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA231 Petaluma Ave, Sebastopol, CA 95472A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA7151 Bodega Ave, Sebastopol, CA 95472A+5.0 ★Texas Ratio: 5.36%, BMO Harris Bank NABMO Harris Bank NA100 S Main St, Sebastopol, CA 95472A+5.0 ★Texas Ratio: 3.54%, Bank of America NABank of America NA7185 Healdsburg Ave, Sebastopol, CA 95472A+5.0 ★Texas Ratio: 4.14%, Columbia BankColumbia Bank201 N Main St, Sebastopol, CA 95472A+5.0 ★Texas Ratio: 2.28%, Redwood Credit UnionRedwood Credit Union7840 Covert Ln, Sebastopol, CA 95472A+5.0 ★Texas Ratio: 4.20%, Synergy One Lending, Inc.Synergy One Lending, Inc.9600 Ming Ave Ste 146, Bakersfield, CA 93311, Community First Credit UnionCommunity First Credit Union328 N Main St, Sebastopol, CA 95472A5.0 ★Texas Ratio: 8.05%, Bank of MarinBank of Marin2208 S Shore Ctr, Alameda, CA 94501A+5.0 ★Texas Ratio: 2.03%, and US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%. 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 Sebastopol, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sebastopol 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 Sebastopol, California
Market share is the lender's share of all home loans closed in Sebastopol, 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 Sebastopol 231 Petaluma Ave, Sebastopol, CA 95472 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 3 | 2.4% | 100% | $1,401,666 | View |
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1 office in Sebastopol 7151 Bodega Ave, Sebastopol, CA 95472 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 2 | 1.6% | 50% | $880,000 | View |
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1 office in Sebastopol 100 S Main St, Sebastopol, CA 95472 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +5 HELOCs |
0% | 0% | View | |
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1 office in Sebastopol 7185 Healdsburg Ave, Sebastopol, CA 95472 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
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1 office in Sebastopol 201 N Main St, Sebastopol, CA 95472 A+5.0 ★Texas Ratio: 2.28% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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7840 Covert Ln, Sebastopol, CA 95472 A+5.0 ★Texas Ratio: 4.20% |
Conventional, Jumbo, HELOC | 13 +20 HELOCs |
10.3% | 100% | $371,923 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional, Jumbo | 3 | 2.4% | 100% | $851,666 | |
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328 N Main St, Sebastopol, CA 95472 A5.0 ★Texas Ratio: 8.05% |
Conventional, Jumbo, HELOC | 2 +3 HELOCs |
1.6% | 100% | $905,000 | View |
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★ 2 stars, 1 review 2208 S Shore Ctr, Alameda, CA 94501 A+5.0 ★Texas Ratio: 2.03% |
Conventional | 2 | 1.6% | 100% | $155,000 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo | 1 | 0.8% | 100% | $1,205,000 | View |
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2029 Century Park E, Los Angeles, CA 90067 A+5.0 ★Texas Ratio: 0.37% |
Conventional, Jumbo | 1 | 0.8% | 100% | $1,055,000 | View |
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3201 California St, San Francisco, CA 94118 1903 A+5.0 ★Texas Ratio: 3.32% |
Conventional | 1 | 0.8% | 100% | $205,000 | View |
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801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 1 | 0.8% | 100% | $815,000 | View |
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750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo | 1 | 0.8% | 100% | $1,255,000 | View |
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995 Armory Rd, Barstow, CA 92311 A+5.0 ★Texas Ratio: 5.74% |
Conventional | 1 | 0.8% | 100% | $655,000 | View |
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1357 Healdsburg Ave, Healdsburg, CA 95448 3246 |
Conventional | 1 | 0.8% | 100% | $175,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.8% | 100% | $205,000 | View |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional | 1 | 0.8% | 100% | $185,000 | 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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100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pennymac Loan Services LLC
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Conventional, FHA, Jumbo | 5 | 4% | 62.5% | $659,000 | |
loanDepot.com LLC
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Conventional | 3 | 2.4% | 100% | $615,000 | |
Guild Mortgage Company
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Conventional, Jumbo | 3 | 2.4% | 100% | $938,333 | |
AmWest Funding Corp
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Conventional | 3 | 2.4% | 100% | $611,666 | |
HomeXpress Mortgage Corp.
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Conventional, Jumbo | 3 | 2.4% | 100% | $1,051,666 | |
Kind Lending, LLC
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Conventional | 2 | 1.6% | 100% | $300,000 | |
Stg Mortgage Inc
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Conventional | 2 | 1.6% | 100% | $680,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 2 | 1.6% | 100% | $630,000 | |
Alameda Mortgage Corporation
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Conventional | 1 | 0.8% | 100% | $755,000 | |
Ahl Funding
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Conventional, Jumbo | 1 | 0.8% | 100% | $1,245,000 | |
Provident Funding Associates
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Conventional | 1 | 0.8% | 100% | $345,000 | |
Franklin Loan Corporation
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Conventional | 1 | 0.8% | 100% | $105,000 | |
The Police Credit Union of California
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Conventional | 1 | 0.8% | 100% | $125,000 | |
American Pacific Mortgage Corporation
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FHA | 1 | 0.8% | 100% | $795,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.8% | 50% | $775,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.8% | 100% | $125,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, Jumbo | 11 | 8.7% | 85.7% | $591,363 | |
Newrez LLC
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Conventional, Jumbo | 11 | 8.7% | 91.7% | $611,363 | |
United Wholesale Mortgage
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Conventional, Jumbo, HELOC | 7 +1 HELOCs |
5.6% | 100% | $729,285 | |
CrossCountry Mortgage, LLC
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Conventional | 6 | 4.8% | 85.7% | $276,666 | |
Guaranteed Rate Affinity, LLC
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Conventional | 3 | 2.4% | 100% | $621,666 | |
Everett Financial, Inc.
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Conventional, Jumbo | 2 | 1.6% | 100% | $745,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, Jumbo | 2 | 1.6% | 100% | $1,175,000 | View |
The Loan Store, Inc
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Conventional, FHA | 2 | 1.6% | 66.7% | $595,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 2 | 1.6% | 100% | $825,000 | View |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.8% | 50% | $335,000 | |
Primary Residential Mortgage, INC.
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Conventional | 1 | 0.8% | 100% | $575,000 | |
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A+5.0 ★Texas Ratio: 1.93% |
Conventional | 1 | 0.8% | 100% | $785,000 | View |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.8% | 50% | $365,000 | |
Freedom Mortgage Corporation
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Conventional | 1 | 0.8% | 100% | $485,000 | |
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A5.0 ★Texas Ratio: 8.47% |
VA | 1 | 0.8% | 100% | $155,000 | View |
First Colony Mortgage Corporat
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Conventional | 1 | 0.8% | 100% | $795,000 | |
Beeline Loans, Inc.
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Conventional | 1 | 0.8% | 100% | $415,000 | |
Mit Federal Credit Union
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Conventional | 1 | 0.8% | 100% | $765,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.8% | 50% | $715,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.8% | 50% | $675,000 | View |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.8% | 100% | $605,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.8% | 50% | $105,000 | View |
Fairway Independent Mort Corp
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Conventional | 1 | 0.8% | 100% | $155,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.8% | 100% | $345,000 | View |
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A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Pentagon Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Gte Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
First Technology Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Sebastopol 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 Sebastopol, California
Looking for mortgage lenders near me or mortgage brokers near me in Sebastopol? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Sebastopol in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Sebastopol, CA
Use these to narrow the list above. Each category shows how many Sebastopol, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Sebastopol, CA
Independent mortgage companies closed 68.3 percent of home loans in Sebastopol, California in 2025, banks 15.1 percent and credit unions 16.7 percent. Synergy One Lending, Inc. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Redwood Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 0 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 Sebastopol, CA
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Sebastopol, California with 3 loans, about 2.4 percent of the market. The largest lender headquartered in California was Bank of America NA with 0 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
3 lenders closed FHA loans in Sebastopol, California in 2025, led by Pennymac Loan Services LLC with 1. 1 lenders closed VA loans, led by Northpointe Bank. 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. 19 banks and 14 credit unions closed home loans in Sebastopol, 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 Sebastopol, 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 Sebastopol, 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 Sebastopol. 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.
