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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 Conventional Mortgage Lenders in Santa Rosa

Updated February 5, 2026

Market Overview

Total Lenders

3,275

Total Loans

0.20%

Median Rate Spread

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

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 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.

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