Lender profile
Oceanair
Lender Live rate observations
Oceanair at a glance
Oceanair is a lender based in California. LoanMate.ai tracks 3 published loan products from Oceanair (6 rate listings), last verified 2026-10-17. Its lowest published rate today is 7.5% on HELOC. Its HELOC rate of 7.5% is 0.5 points above the national median of 7% (across 310 lenders publishing that product). Oceanair lends in California only.
HELOC (4)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| HELOC | 7.50 | 7.50 | 0 | Closing Costs starting at $999 + Appraisal Fee if required | 2026-10-17 | Lender source ↗ |
| HELOC | 7.75 | 7.75 | 0 | Closing Costs starting at $999 + Appraisal Fee if required | 2026-10-17 | Lender source ↗ |
| HELOC | 8.00 | 8.00 | 0 | Closing Costs starting at $999 + Appraisal Fee if required | 2026-10-17 | Lender source ↗ |
| HELOC | 8.50 | 8.50 | 0 | Closing Costs starting at $999 + Appraisal Fee if required | 2026-10-17 | Lender source ↗ |
Home equity loan (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| FHEL-15yr | 8.000 | 8.21 | 0 | pre-paid finance charges approx $1,800 | 2026-10-17 | Lender source ↗ |
| FHEL-20yr | 8.500 | 8.67 | 0 | pre-paid finance charges approx $1,800 | 2026-10-17 | Lender source ↗ |
How Oceanair compares
Compare all heloc rates · Compare all home equity loan rates · Best loan rates in California
Compare with: 1St Northern California, 1St United, Aerospace, Altura
Common questions
What is the lowest published rate at Oceanair?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Oceanair is 7.5% on its HELOC. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does Oceanair lend?
Oceanair lends in California only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Oceanair's HELOC rate compare nationally?
Oceanair publishes HELOC at 7.5%. The national median for that product is 7% across 310 lenders in LoanMate.ai's October 17, 2026 dataset, so Oceanair is 0.5 points above the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.