Safe Rate Rankings

Best Conventional Mortgage Lenders in Santa Rosa

Updated May 30, 2026

⚖️ 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%

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