Safe Rate Rankings

Best Conventional Mortgage Lenders in Santa Rosa

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders53

Total Loans3,275

Median Rate Spread0.20%

Santa Rosa Market Insights

United Wholesale Mortgage is Safe Rate's top-ranked Conventional lender in Santa Rosa, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Santa Rosa, Morgan Stanley Private Bank National Association and Navy Federal Credit Union scores highest on Conventional pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #1 in Santa Rosa, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Santa Rosa: Rocket Mortgage (#3) and United Wholesale Mortgage (#1).

Explore Rankings by Type

Overall Rankings

All lenders in Santa Rosa

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By Institution Type

Banks Credit Unions Mortgage Companies

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Acceptable*	Exceptional	Exceptional	Exceptional	$2,768Fees	0.150%Above	483
2	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$251Fees	0.063%Below	94
3	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,376Fees	0.113%Above	324
4	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,888Fees	0.001%Below	72
5	Bank of America, National Association BankDirect	Strong	Strong	Exceptional	Strong	Sound	$168Fees	0.205%Below	31
6	Morgan Stanley Private Bank, National Association BankDirect	Strong	Exceptional	Strong	Sound	Sound	$288Fees	0.565%Below	27
7	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$1,784Fees	0.067%Below	82
8	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Sound	$119Fees	0.048%Below	13
9	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,566Fees	0.424%Above	203
10	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,708Fees	0.305%Above	116
11	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,892Fees	0.135%Above	79
12	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,043Fees	0.126%Above	93
13	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,157Fees	0.160%Above	79
14	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Exceptional	Sound	Sound	$1,473Fees	0.059%Below	23
15	REDWOOD Credit UnionDirect	Strong	Sound	Strong	Strong	Exceptional	$926Fees	0.046%Above	166
16	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,061Fees	0.324%Above	54
17	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,150Fees	0.198%Above	54
18	Ameris Bank BankDirect	Strong	Sound	Exceptional	Strong	Sound	$207Credit	0.002%Above	33
19	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,346Fees	0.442%Above	142
20	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Strong	$3,123Fees	0.432%Above	126
21	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$2,013Fees	0.036%Above	55
22	Sierra Pacific Mortgage Company, Inc. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,052Fees	0.039%Above	50
23	MASON MCDUFFIE MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Strong	$2,895Fees	0.373%Above	54
24	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,875Fees	0.294%Above	42
25	AMWEST FUNDING CORP. Independent Mortgage CompanyWholesale	Strong	—	Strong	Sound	Strong	—	—	35
26	BMO Bank National Association BankDirect	Strong	Strong	Strong	Sound	Sound	$1,555Fees	0.166%Above	32
27	FIRST COLONY MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$2,661Fees	0.066%Above	12
28	AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Sound	$3,338Fees	0.404%Above	36
29	Charles Schwab Bank, SSB BankWholesale	Strong	Sound*	Strong	Strong	Sound	$877Fees	0.174%Below	21
30	GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Strong	$2,854Fees	0.275%Above	59
31	Plains Commerce Bank BankWholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$4,178Fees	0.186%Above	18
32	EVERETT FINANCIAL, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Strong	$4,525Fees	0.562%Above	48
33	ALAMEDA MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Strong	$2,895Fees	0.411%Above	37
34	Umpqua Bank BankDirect	Sound	Acceptable	Strong	Strong	Sound	$3,282Fees	0.179%Above	26
35	STG MORTGAGE INC Independent Mortgage CompanyWholesale	Sound	Sound*	Strong	Sound	Strong	$2,734Fees	0.266%Above	41
36	Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$4,692Fees	0.366%Above	29
37	INSPIRE HOME LOANS INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	Sound	$1,478Fees	0.431%Above	16
38	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$3,970Fees	0.313%Above	19
39	SUMMIT FUNDING, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Sound	$6,301Fees	0.391%Above	17
40	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Strong	Sound	Sound	$2,083Fees	0.129%Below	14
41	MORTGAGEONE, INC. Independent Mortgage CompanyDirect & Wholesale	Sound	Mediocre*	Strong	Strong	Strong	$6,001Fees	0.518%Above	42
42	PACIFIC RESIDENTIAL MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	Sound	$3,117Fees	0.089%Above	22
43	Commerce Home Mortgage, Inc. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$4,833Fees	0.200%Above	13
44	PREMIER LENDING, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Sound	Strong	Strong	$9,171Fees	0.856%Above	36
45	OriginPoint, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Sound	$2,731Fees	0.346%Above	30
46	OCMBC, INC. Independent Mortgage CompanyWholesale	Sound	Mediocre*	Strong	Sound	Sound	$4,767Fees	0.775%Above	27
47	AXIA FINANCIAL, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Mediocre*	Strong	Strong	Sound	$4,079Fees	0.358%Above	16
48	SECURITYNATIONAL MORTGAGE COMPANY Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Sound	Sound	$4,014Fees	0.095%Above	26
49	AHL FUNDING Independent Mortgage CompanyDirect	Sound	Mediocre	Sound	Acceptable	Strong	$4,221Fees	0.081%Above	33
50	HOMEXPRESS MORTGAGE CORP. Independent Mortgage CompanyWholesale	Acceptable	Mediocre*	Strong	Acceptable	Sound	$7,771Fees	1.276%Above	21

❓ Frequently Asked Questions

How are mortgage lenders ranked in Santa Rosa?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Santa Rosa), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Santa Rosa?+

Based on 2024 HMDA data, 53 lenders originated a combined 3,275 loans in Santa Rosa. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Santa Rosa?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Santa Rosa is 0.20%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Santa Rosa's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.