Top 3 Mortgage Lenders in Seaside

WaFd Bank stands out as the premier local mortgage lender in Seaside with an actual physical branch location in the city. With over a century of banking experience, they offer exceptional personalized service and deep community roots. Their local loan officers understand the unique coastal property market and provide competitive rates for both primary residences and vacation homes. Customers consistently praise their responsive service, local decision-making authority, and expertise in navigating the specific challenges of coastal lending.

OnPoint Community Credit Union is highly regarded throughout Oregon and serves Seaside residents with exceptional mortgage products and member-focused service. As a not-for-profit financial cooperative, they often offer lower rates and fees than traditional banks. Their mortgage team receives consistent praise for transparent communication, competitive rates, and smooth closing processes. While they don't have a physical branch in Seaside, they actively serve the community through their digital platforms and regional presence.

Guild Mortgage maintains a strong local presence in the North Coast region with experienced loan officers serving Seaside homebuyers. Their Astoria office, just 20 minutes from Seaside, specializes in coastal community lending with deep understanding of local market conditions. Guild excels in providing personalized mortgage solutions with particular strength in first-time homebuyer programs and government-backed loans. Customers frequently highlight their educational approach, flexible underwriting, and commitment to finding the right loan product for each borrower's unique situation.