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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Santa Rosa
Updated February 5, 2026
Market Overview
53
Total Lenders
3,275
Total Loans
0.20%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | $288 | -0.565% | 27 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,768 | +0.150% | 483 | |
3 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $251 | -0.063% | 94 | |
4 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $1,473 | -0.059% | 23 | |
5 | REDWOOD | Strong | Sound | Strong | Exceptional | $926 | +0.046% | 166 | |
6 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,784 | -0.067% | 82 | |
7 | Bank of America, National Association | Strong | Strong | Strong | Sound | $168 | -0.205% | 31 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,376 | +0.113% | 324 | |
9 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,043 | +0.126% | 93 | |
10 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,892 | +0.135% | 79 | |
11 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,888 | -0.001% | 72 | |
12 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,013 | +0.036% | 55 | |
13 | Ameris Bank | Strong | Sound | Exceptional | Sound | -$207 | +0.002% | 33 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,566 | +0.424% | 203 | |
15 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $4,708 | +0.305% | 116 | |
16 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,061 | +0.324% | 54 | |
17 | STG MORTGAGE INC | Strong | Sound | Sound | Strong | $2,734 | +0.266% | 41 | |
18 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Sound | Exceptional | $3,346 | +0.442% | 142 | |
19 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $3,157 | +0.160% | 79 | |
20 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,854 | +0.275% | 59 | |
21 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,150 | +0.198% | 54 | |
22 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $2,052 | +0.039% | 50 | |
23 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,875 | +0.294% | 42 | |
24 | BMO Bank National Association | Strong | Sound | Sound | Sound | $1,555 | +0.166% | 32 | |
25 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $3,123 | +0.432% | 126 | |
26 | MASON MCDUFFIE MORTGAGE CORPORATION | Sound | Acceptable | Sound | Strong | $2,895 | +0.373% | 54 | |
27 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | $4,525 | +0.562% | 48 | |
28 | ALAMEDA MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $2,895 | +0.411% | 37 | |
29 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $4,692 | +0.366% | 29 | |
30 | OCMBC, INC. | Sound | Acceptable | Strong | Sound | $4,767 | +0.775% | 27 | |
31 | Umpqua Bank | Sound | Acceptable | Strong | Sound | $3,282 | +0.179% | 26 | |
32 | PACIFIC RESIDENTIAL MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $3,117 | +0.089% | 22 | |
33 | Charles Schwab Bank, SSB | Sound | Acceptable | Strong | Sound | $877 | -0.174% | 21 | |
34 | MORTGAGEONE, INC. | Sound | Mediocre | Strong | Strong | $6,001 | +0.518% | 42 | |
35 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | $3,338 | +0.404% | 36 | |
36 | OriginPoint, LLC | Sound | Acceptable | Sound | Sound | $2,731 | +0.346% | 30 | |
37 | PREMIER LENDING, INC. | Sound | Mediocre | Sound | Strong | $9,171 | +0.856% | 36 | |
38 | AHL FUNDING | Sound | Mediocre | Sound | Strong | $4,221 | +0.081% | 33 | |
39 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Strong | Sound | $4,014 | +0.095% | 26 | |
40 | HOMEXPRESS MORTGAGE CORP. | Sound | Mediocre | Sound | Sound | $7,771 | +1.276% | 21 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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.
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