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Safe Rate's TrueRank Guarantee
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 Mortgage Company Lenders in Santa Rosa
Updated February 5, 2026
Market Overview
30
Total Lenders
2,606
Total Loans
0.28%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,768 | +0.150% | 483 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $1,473 | -0.059% | 23 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,376 | +0.113% | 324 | |
4 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,043 | +0.126% | 93 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,892 | +0.135% | 79 | |
6 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,013 | +0.036% | 55 | |
7 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,566 | +0.424% | 203 | |
8 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $4,708 | +0.305% | 116 | |
9 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,061 | +0.324% | 54 | |
10 | STG MORTGAGE INC | Strong | Sound | Sound | Strong | $2,734 | +0.266% | 41 | |
11 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Sound | Exceptional | $3,346 | +0.442% | 142 | |
12 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $3,157 | +0.160% | 79 | |
13 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,854 | +0.275% | 59 | |
14 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $2,052 | +0.039% | 50 | |
15 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,875 | +0.294% | 42 | |
16 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $3,123 | +0.432% | 126 | |
17 | MASON MCDUFFIE MORTGAGE CORPORATION | Sound | Acceptable | Sound | Strong | $2,895 | +0.373% | 54 | |
18 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | $4,525 | +0.562% | 48 | |
19 | ALAMEDA MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $2,895 | +0.411% | 37 | |
20 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $4,692 | +0.366% | 29 | |
21 | OCMBC, INC. | Sound | Acceptable | Strong | Sound | $4,767 | +0.775% | 27 | |
22 | PACIFIC RESIDENTIAL MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $3,117 | +0.089% | 22 | |
23 | MORTGAGEONE, INC. | Sound | Mediocre | Strong | Strong | $6,001 | +0.518% | 42 | |
24 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | $3,338 | +0.404% | 36 | |
25 | OriginPoint, LLC | Sound | Acceptable | Sound | Sound | $2,731 | +0.346% | 30 | |
26 | PREMIER LENDING, INC. | Sound | Mediocre | Sound | Strong | $9,171 | +0.856% | 36 | |
27 | AHL FUNDING | Sound | Mediocre | Sound | Strong | $4,221 | +0.081% | 33 | |
28 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Strong | Sound | $4,014 | +0.095% | 26 | |
29 | HOMEXPRESS MORTGAGE CORP. | Sound | Mediocre | Sound | Sound | $7,771 | +1.276% | 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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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