Safe Rate Rankings

Best Jumbo 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	Exceptional	Exceptional	Strong	Strong	$251Fees	0.063%Below	94
2	Wells Fargo Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,784Fees	0.067%Below	82
3	Bank of America, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$168Fees	0.205%Below	31
4	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$288Fees	0.565%Below	27
5	REDWOODCredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$926Fees	0.046%Above	166
6	GUARANTEED RATE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$3,043Fees	0.126%Above	93
7	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,768Fees	0.150%Above	483
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,376Fees	0.113%Above	324
9	BMO Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,555Fees	0.166%Above	32
10	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,888Fees	0.001%Below	72
11	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,013Fees	0.036%Above	55
12	Charles Schwab Bank, SSBBank	Strong	Sound	Exceptional	Exceptional	Sound	$877Fees	0.174%Below	21
13	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,566Fees	0.424%Above	203
14	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,346Fees	0.442%Above	142
15	OriginPoint, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$2,731Fees	0.346%Above	30
16	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,123Fees	0.432%Above	126
17	Umpqua BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$3,282Fees	0.179%Above	26
18	HOMEXPRESS MORTGAGE CORP.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$7,771Fees	1.276%Above	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 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.