# Best Mortgage Companie Lenders in Santa Rosa

**As of:** 2026-06-03

Compare the top mortgage companies offering mortgages in Santa Rosa. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | 84 | 41 | 93 | 483 | Independent Mortgage Company |
| 2 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 324 | Independent Mortgage Company |
| 3 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 93 | Independent Mortgage Company |
| 4 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 79 | Independent Mortgage Company |
| 5 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 55 | Independent Mortgage Company |
| 6 | PROVIDENT FUNDING ASSOCIATES, L.P. | 71 | 83 | 55 | 23 | Independent Mortgage Company |
| 7 | CROSSCOUNTRY MORTGAGE, LLC | 68 | 20 | 76 | 203 | Independent Mortgage Company |
| 8 | GUILD MORTGAGE COMPANY LLC | 68 | 25 | 83 | 116 | Independent Mortgage Company |
| 9 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 54 | Independent Mortgage Company |
| 10 | STG MORTGAGE INC | 66 | 48 | 46 | 41 | Independent Mortgage Company |
| 11 | THE LOAN STORE, INC. | 63 | 40 | 77 | 79 | Independent Mortgage Company |
| 12 | GUARANTEED RATE AFFINITY, LLC | 63 | 33 | 60 | 59 | Independent Mortgage Company |
| 13 | Sierra Pacific Mortgage Company, Inc. | 63 | 32 | 80 | 50 | Independent Mortgage Company |
| 14 | KIND LENDING, LLC | 63 | 39 | 73 | 42 | Independent Mortgage Company |
| 15 | NEW AMERICAN FUNDING, LLC | 62 | 22 | 60 | 142 | Independent Mortgage Company |
| 16 | NEWREZ LLC | 58 | 35 | 59 | 126 | Independent Mortgage Company |
| 17 | MASON MCDUFFIE MORTGAGE CORPORATION | 58 | 26 | 60 | 54 | Independent Mortgage Company |
| 18 | Paramount Residential Mortgage Group, Inc. | 58 | 27 | 72 | 29 | Independent Mortgage Company |
| 19 | OCMBC, INC. | 58 | 21 | 64 | 27 | Independent Mortgage Company |
| 20 | PACIFIC RESIDENTIAL MORTGAGE, LLC | 58 | 21 | 66 | 22 | Independent Mortgage Company |
| 21 | EVERETT FINANCIAL, INC. | 54 | 13 | 80 | 48 | Independent Mortgage Company |
| 22 | ALAMEDA MORTGAGE CORPORATION | 54 | 15 | 81 | 37 | Independent Mortgage Company |
| 23 | OriginPoint, LLC | 52 | 31 | 53 | 30 | Independent Mortgage Company |
| 24 | MORTGAGEONE, INC. | 50 | 16 | 71 | 42 | Independent Mortgage Company |
| 25 | AMWEST FUNDING CORP. | 50 | N/A | 62 | 35 | Independent Mortgage Company |
| 26 | AMERICAN PACIFIC MORTGAGE CORPORATION | 49 | 14 | 84 | 36 | Independent Mortgage Company |
| 27 | PREMIER LENDING, INC. | 46 | 13 | 54 | 36 | Independent Mortgage Company |
| 28 | AHL FUNDING | 46 | 15 | 49 | 33 | Independent Mortgage Company |
| 29 | SECURITYNATIONAL MORTGAGE COMPANY | 46 | 10 | 68 | 26 | Independent Mortgage Company |
| 30 | HOMEXPRESS MORTGAGE CORP. | 42 | 5 | 45 | 21 | 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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.