Safe Rate Rankings

Best FHA 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	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,768Fees	0.150%Above	483
2	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Sound	Strong	$2,013Fees	0.036%Above	55
3	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,376Fees	0.113%Above	324
4	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,892Fees	0.135%Above	79
5	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,157Fees	0.160%Above	79
6	KIND LENDING, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,875Fees	0.294%Above	42
7	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$3,123Fees	0.432%Above	126
8	Plains Commerce BankBank	Strong	Sound	Exceptional	Strong	Sound	$4,178Fees	0.186%Above	18
9	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,708Fees	0.305%Above	116
10	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,043Fees	0.126%Above	93
11	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,052Fees	0.039%Above	50
12	STG MORTGAGE INCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$2,734Fees	0.266%Above	41
13	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$4,566Fees	0.424%Above	203
14	MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,895Fees	0.373%Above	54
15	EVERETT FINANCIAL, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Strong	$4,525Fees	0.562%Above	48
16	MORTGAGEONE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$6,001Fees	0.518%Above	42
17	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Sound	Exceptional	$3,346Fees	0.442%Above	142
18	PACIFIC RESIDENTIAL MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$3,117Fees	0.089%Above	22
19	SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,014Fees	0.095%Above	26

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.