# Best FHA Mortgage Lenders in Santa Rosa

**As of:** 2026-05-30

Compare the top FHA mortgage lenders in Santa Rosa. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/santa-rosa/best-mortgage-lenders/fha-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 53
- **Total Loans:** 3,275
- **Median Rate Spread:** 0.19894%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 483 | Independent Mortgage Company |
| 2 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 324 | Independent Mortgage Company |
| 3 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 79 | Independent Mortgage Company |
| 4 | THE LOAN STORE, INC. | 79 | 49 | 72 | 79 | Independent Mortgage Company |
| 5 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 55 | Independent Mortgage Company |
| 6 | KIND LENDING, LLC | 79 | 55 | 71 | 42 | Independent Mortgage Company |
| 7 | NEWREZ LLC | 73 | 52 | 56 | 126 | Independent Mortgage Company |
| 8 | Plains Commerce Bank | 73 | 47 | 66 | 18 | Bank |
| 9 | GUILD MORTGAGE COMPANY LLC | 71 | 29 | 80 | 116 | Independent Mortgage Company |
| 10 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 93 | Independent Mortgage Company |
| 11 | Sierra Pacific Mortgage Company, Inc. | 71 | 33 | 75 | 50 | Independent Mortgage Company |
| 12 | STG MORTGAGE INC | 69 | 54 | 57 | 41 | Independent Mortgage Company |
| 13 | MASON MCDUFFIE MORTGAGE CORPORATION | 67 | 29 | 77 | 54 | Independent Mortgage Company |
| 14 | MORTGAGEONE, INC. | 67 | 27 | 70 | 42 | Independent Mortgage Company |
| 15 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 19 | 69 | 203 | Independent Mortgage Company |
| 16 | EVERETT FINANCIAL, INC. | 63 | 9 | 80 | 48 | Independent Mortgage Company |
| 17 | PACIFIC RESIDENTIAL MORTGAGE, LLC | 63 | 34 | 71 | 22 | Independent Mortgage Company |
| 18 | NEW AMERICAN FUNDING, LLC | 59 | 19 | 57 | 142 | Independent Mortgage Company |
| 19 | SECURITYNATIONAL MORTGAGE COMPANY | 56 | 12 | 77 | 26 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Santa Rosa.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.