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Mortgage Lenders and Brokers in Santa Rosa, California

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Santa Rosa, California mortgage lenders include Redwood Credit UnionRedwood Credit Union2763 4th St, Santa Rosa, CA 95405 4726A+5.0 ★Texas Ratio: 4.20%, US Bank, N.A.US Bank, N.A.2308 Magowan Dr, Santa Rosa, CA 95405A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA640 3rd St Ste B, Santa Rosa, CA 95404A+5.0 ★Texas Ratio: 3.68%, Community First Credit UnionCommunity First Credit Union1105 N Dutton Ave, Santa Rosa, CA 95401 4683A5.0 ★Texas Ratio: 8.05%, Wells Fargo Bank NAWells Fargo Bank NA1799 Marlow Rd, Santa Rosa, CA 95401A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA1155 W Steele Ln, Santa Rosa, CA 95403A+5.0 ★Texas Ratio: 4.14%, BMO Harris Bank NABMO Harris Bank NA260 Coddingtown Ctr, Santa Rosa, CA 95401A+5.0 ★Texas Ratio: 3.54%, Columbia BankColumbia Bank6641 Oakmont Dr, Santa Rosa, CA 95409A+5.0 ★Texas Ratio: 2.28%, North Bay Credit UnionNorth Bay Credit Union397 Aviation Blvd, Santa Rosa, CA 95403, and Bank of MarinBank of Marin90 South E St, Santa Rosa, CA 95404A+5.0 ★Texas Ratio: 2.03%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Santa Rosa, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Santa Rosa are listed first, then lenders elsewhere in California, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Santa Rosa, California

Market share is the lender's share of all home loans closed in Santa Rosa, California. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
Redwood Credit Union 2763 4th St, Santa Rosa, CA 95405 4726 A+5.0 ★Texas Ratio: 4.20%	Conventional, Jumbo, HELOC	249 +291 HELOCs	11.7%	79.6%	$349,859	View
US Bank, N.A. 1 office in Santa Rosa 2308 Magowan Dr, Santa Rosa, CA 95405 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, Jumbo, HELOC	48 +11 HELOCs	2.3%	94.2%	$681,250	View
JPMorgan Chase Bank, NA 5 offices in Santa Rosa 640 3rd St Ste B, Santa Rosa, CA 95404 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, Jumbo, HELOC	32 +4 HELOCs	1.5%	86.8%	$670,312	View
Community First Credit Union 1105 N Dutton Ave, Santa Rosa, CA 95401 4683 A5.0 ★Texas Ratio: 8.05%	Conventional, HELOC	31 +6 HELOCs	1.5%	91.4%	$171,129	View
Wells Fargo Bank NA 4 offices in Santa Rosa 1799 Marlow Rd, Santa Rosa, CA 95401 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	22	1%	91.7%	$801,818	View
Bank of America NA 2 offices in Santa Rosa 1155 W Steele Ln, Santa Rosa, CA 95403 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	15 +28 HELOCs	0.7%	93.8%	$1,110,333	View
BMO Harris Bank NA 2 offices in Santa Rosa 260 Coddingtown Ctr, Santa Rosa, CA 95401 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	8 +9 HELOCs	0.4%	88.9%	$991,250	View
Columbia Bank 1 office in Santa Rosa 6641 Oakmont Dr, Santa Rosa, CA 95409 A+5.0 ★Texas Ratio: 2.28%	Conventional, Jumbo, HELOC	7 +11 HELOCs	0.3%	100%	$753,571	View
North Bay Credit Union 397 Aviation Blvd, Santa Rosa, CA 95403	Conventional	5	0.2%	83.3%	$123,000	View
Bank of Marin ★ 2 stars, 1 review 1 office in Santa Rosa 90 South E St, Santa Rosa, CA 95404 A+5.0 ★Texas Ratio: 2.03%	Conventional	4	0.2%	50%	$185,000	View
Exchange Bank 7 offices in Santa Rosa 1300 Guerneville Rd, Santa Rosa, CA 95403 A+5.0 ★Texas Ratio: 4.05%	Conventional	3	0.1%	37.5%	$471,666	View
Tri Counties Bank 1 office in Santa Rosa 819 4th St, Santa Rosa, CA 95404 A+5.0 ★Texas Ratio: 5.34%	Conventional, HELOC	1 +3 HELOCs	0%	100%	$545,000	View
Provident Funding Associates	Conventional	9	0.4%	75%	$538,333
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional, FHA, VA, Jumbo	19	0.9%	100%	$779,736
Patelco Credit Union 1965 Cleveland Ave, Santa Rosa, CA 95401 A5.0 ★Texas Ratio: 6.65%	Conventional, Jumbo, HELOC	8 +15 HELOCs	0.4%	100%	$586,250	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	6	0.3%	54.5%	$236,666	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional	4	0.2%	100%	$577,500	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional, HELOC	3 +5 HELOCs	0.1%	100%	$675,000	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, HELOC	3 +1 HELOCs	0.1%	75%	$368,333	View
Provident Credit Union 2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.1%	100%	$605,000	View
Change Lending 1300 Guerneville Rd, Santa Rosa, CA 95403 A+5.0 ★Texas Ratio: 3.68%	Conventional	3	0.1%	100%	$418,333	View
Citibank, NA 5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82%	Conventional, HELOC	2 +3 HELOCs	0.1%	66.7%	$710,000	View
Pacific Service Credit Union 840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$70,000	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional	2	0.1%	100%	$745,000	View
Monterra Credit Union 415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93%	Conventional	2	0.1%	100%	$470,000	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional, Jumbo, HELOC	1 +3 HELOCs	0%	33.3%	$1,715,000	View
Fremont Bank 182 Farmers Ln Ste 205, Santa Rosa, CA 95405 A+5.0 ★Texas Ratio: 4.11%	Conventional, HELOC	1 +3 HELOCs	0%	100%	$605,000	View
Banner Bank 5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$555,000	View
Bay Federal Credit Union 48 Rancho Del Mar, Aptos, CA 95003 A+5.0 ★Texas Ratio: 1.88%	Conventional, HELOC	1 +1 HELOCs	0%	50%	$105,000	View
F&A Federal Credit Union 2625 CORPORATE Pl, MONTEREY PARK, CA 91754 A+5.0 ★Texas Ratio: 1.14%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$625,000	View
Orange County'S FCU 2390 E Orangewood Ave Ste 106, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 4.43%	Conventional	1	0%	100%	$395,000	View
Technology Credit Union 10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57%	Conventional, Jumbo	1	0%	100%	$995,000	View
Citizens Bank, NA 750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo	1	0%	100%	$1,205,000	View
1st Northern California Credit Union 560 1st St Ste B106, Benicia, CA 94510 3579 A+5.0 ★Texas Ratio: 0.12%	Conventional	1	0%	50%	$305,000	View
Hsbc Bank USA, NA 1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86%	Conventional	1	0%	100%	$865,000	View
Pcb Bank 17709 Pioneer Blvd, Artesia, CA 90701 A+5.0 ★Texas Ratio: 2.25%	Conventional	1	0%	100%	$525,000	View
Sunflower Bank, N.A. 1888 Century Park E, Los Angeles, CA 90067 A5.0 ★Texas Ratio: 10.77%	Conventional	1	0%	100%	$635,000	View
Certified Federal Credit Union 200 N Puente St, Brea, CA 92821 3824 A+5.0 ★Texas Ratio: 1.07%	Conventional	1	0%	100%	$715,000	View
San Francisco Federal Credit Union 1811 El Camino Real, Burlingame, CA 94010 A+5.0 ★Texas Ratio: 0.53%	Conventional	1	0%	100%	$695,000	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo	1	0%	100%	$1,615,000	View
The First Financial Federal Credit Union 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	Conventional	1	0%	100%	$95,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +3 HELOCs	0%	n/a		View
Sea West Coast Gurad FCU Coast Guard Island, Alameda, CA 94501 5100	HELOC	0 +1 HELOCs	0%	n/a
1st UNITED CREDIT UNION 2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28%	HELOC	0 +1 HELOCs	0%	n/a		View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	HELOC	0 +1 HELOCs	0%	n/a		View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	HELOC	0 +1 HELOCs	0%	n/a		View
New American Funding, LLC.	Conventional, FHA, VA, Jumbo, HELOC	58 +6 HELOCs	2.7%	95.1%	$520,862
loanDepot.com LLC	Conventional, FHA, VA, Jumbo, HELOC	51 +5 HELOCs	2.4%	85%	$591,078
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	49	2.3%	90.7%	$455,816
Guild Mortgage Company	Conventional, FHA, VA	45	2.1%	100%	$471,000
Kind Lending, LLC	Conventional, FHA, Jumbo	29	1.4%	80.6%	$441,551
MortgageOne, Inc	Conventional, FHA, VA	23	1.1%	95.8%	$584,565
Stg Mortgage Inc	Conventional, FHA, VA, Jumbo	23	1.1%	92.6%	$658,913
Sierra Pacific Mortgage Co. Inc	Conventional, FHA, VA	23	1.1%	100%	$516,739
Paramount Residential Mortgage	Conventional, FHA, Jumbo	20	0.9%	95.2%	$516,500
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA, Jumbo	19	0.9%	71%	$511,315	View
AmWest Funding Corp	Conventional, FHA, Jumbo	18	0.8%	90%	$479,444
Alameda Mortgage Corporation	Conventional, FHA	12	0.6%	100%	$577,500
American Pacific Mortgage Corporation	Conventional, FHA	12	0.6%	92.3%	$495,833
Ahl Funding	Conventional, FHA	11	0.5%	100%	$475,000
JMAC Lending, Inc.	Conventional, FHA	11	0.5%	100%	$545,000
Nexera Holding LLC	Conventional, Jumbo	10	0.5%	100%	$590,000
Mason-McDuffie Mortgage Corporation	Conventional, VA	8	0.4%	80%	$465,000
Mission Loans, LLC	Conventional, HELOC	7 +1 HELOCs	0.3%	100%	$472,142
HomeXpress Mortgage Corp.	Conventional, Jumbo	7	0.3%	70%	$735,000
Golden Empire Mortgage, Inc.	Conventional, FHA	6	0.3%	100%	$416,666
Summit Funding.Inc	Conventional	6	0.3%	100%	$633,333
Resicentral LLC	Conventional, FHA	5	0.2%	100%	$437,000
Franklin Loan Corporation	Conventional, FHA	5	0.2%	100%	$577,000
Nmsi, Inc.	Conventional	5	0.2%	100%	$531,000
Citadel Servicing Corporation	Conventional	4	0.2%	100%	$457,500
ClearEdge Lending LLC	Conventional, Jumbo	4	0.2%	100%	$1,232,500
Flexpoint, Inc.	Conventional	3	0.1%	100%	$258,333
Vista Point Mortgage, LLC	Conventional	3	0.1%	100%	$285,000
Mortgage Capital Partners, INC	Conventional	2	0.1%	100%	$605,000
American Financial Network, Inc.	Conventional, FHA	2	0.1%	100%	$465,000
Royal Pacific Funding	Conventional, FHA	2	0.1%	100%	$530,000
American Heritage Lending, LLC	Conventional	2	0.1%	100%	$570,000
Land Home Financial Services,	Conventional, FHA	2	0.1%	66.7%	$675,000
Ony Glo, Inc.	FHA	2	0.1%	50%	$535,000
Lendsure Mortgage Corp.	Conventional	2	0.1%	100%	$510,000
Goodleap, LLC	VA, HELOC	1 +1 HELOCs	0%	100%	$455,000
Financial Partners Credit Unio	Conventional	1	0%	100%	$165,000
Cornerstone First Mortgage, LLC	Conventional	1	0%	100%	$655,000
Residential Wholesale Mortgage	Conventional	1	0%	100%	$545,000
AAA Capital Investment, Inc	Conventional	1	0%	100%	$285,000
Infinity Equity Group, Inc.	Conventional	1	0%	100%	$675,000
AmeriHome Mortgage Company, LLC	Conventional	1	0%	100%	$235,000
Augusta Financial, Inc.	Conventional	1	0%	100%	$795,000
Home Mortgage Alliance Corp (Hmac)	Conventional	1	0%	100%	$105,000
Catalyst Mortgage	FHA	1	0%	100%	$575,000
New Wave Lending Group Inc	Conventional	1	0%	100%	$425,000
First Nations Home Finance Corporation	Conventional	1	0%	100%	$365,000
Greenbox Loans	Conventional	1	0%	100%	$325,000
Calcon Mutual Mortgage LLC	FHA	1	0%	100%	$665,000
American Internet Mortgage, Inc.	Conventional	1	0%	100%	$745,000
Hometown Equity Mortgage, LLC	FHA	1	0%	33.3%	$305,000
Geo-Corp, Inc.	FHA	1	0%	100%	$635,000
Zillow Home Loans, LLC	Conventional	1	0%	100%	$445,000
Carrington Mortgage Services LLC	Conventional	1	0%	25%	$85,000
Figure Lending LLC	HELOC	0 +6 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +4 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	228 +13 HELOCs	10.7%	88.8%	$575,745
Rocket Mortgage	Conventional, FHA, VA, Jumbo, HELOC	223 +1 HELOCs	10.5%	85.1%	$441,098
Newrez LLC	Conventional, FHA, VA	82	3.9%	85%	$449,756
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	72 +2 HELOCs	3.4%	93.5%	$616,111
Guaranteed Rate Affinity, LLC	Conventional, FHA, VA, HELOC	36 +3 HELOCs	1.7%	100%	$508,888
The Loan Store, Inc	Conventional, FHA, Jumbo, HELOC	29 +5 HELOCs	1.4%	100%	$585,344
Securitynational Mortgage Company	Conventional, FHA, Jumbo	24	1.1%	68.6%	$575,000
DHI Mortgage Company, LTD.	Conventional, FHA, VA	24	1.1%	92.6%	$590,416
Premier Lending Inc.	Conventional, FHA, VA	22	1%	100%	$535,909
Triad Financial Services, Inc.	Conventional	20	0.9%	82.5%	$204,000
Freedom Mortgage Corporation	Conventional, FHA, VA	19	0.9%	91.7%	$520,263
Nationstar Mortgage	Conventional, FHA	18	0.8%	76.9%	$232,777
Guaranteed Rate, Inc.	Conventional, VA, Jumbo, HELOC	17 +1 HELOCs	0.8%	100%	$593,823
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	16	0.8%	100%	$778,125	View
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, Jumbo, HELOC	15 +4 HELOCs	0.7%	94.7%	$540,333	View
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional, FHA	15	0.7%	100%	$581,666	View
Union Home Mortgage Corp.	Conventional, VA, Jumbo	13	0.6%	87.5%	$615,000
Homeowners Financial Group, LLC	Conventional, FHA	12	0.6%	100%	$407,500
Originpoint, LLC	Conventional, Jumbo	11	0.5%	100%	$825,000
Primary Residential Mortgage, INC.	Conventional, FHA	10	0.5%	90.9%	$297,000
Spring Eq, LLC	Conventional, HELOC	9 +18 HELOCs	0.4%	24.3%	$93,888
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	9 +2 HELOCs	0.4%	64.3%	$356,111
Lakeview Loan Servicing, LLC	Conventional, FHA	9	0.4%	36.4%	$430,555
Mortgage Research Center	Conventional, VA, Jumbo	8	0.4%	66.7%	$668,750
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	7	0.3%	70%	$555,000	View
First Technology Federal Credit Union	Conventional, HELOC	6 +11 HELOCs	0.3%	100%	$260,000
Amerisave Mortgage Company	Conventional, FHA, HELOC	6 +1 HELOCs	0.3%	26.1%	$130,000
Everett Financial, Inc.	Conventional, FHA	6	0.3%	100%	$380,000
First Colony Mortgage Corporat	Conventional, FHA	6	0.3%	100%	$420,000
Better Mortgage Corporation	Conventional, HELOC	5 +1 HELOCs	0.2%	55.6%	$483,000
Sage Home Loans Corporation	Conventional	5	0.2%	85.7%	$657,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	5	0.2%	100%	$507,000	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	5	0.2%	100%	$549,000	View
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	4 +7 HELOCs	0.2%	66.7%	$142,500	View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	4	0.2%	100%	$800,000	View
Geneva Financial LLC	Conventional, FHA	4	0.2%	100%	$272,500
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	4	0.2%	100%	$397,500	View
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA	4	0.2%	80%	$575,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo, HELOC	3 +2 HELOCs	0.1%	100%	$811,666	View
American Financial Resources LLC	Conventional	3	0.1%	100%	$678,333
Equity Prime Mortgage LLC	Conventional, FHA, VA	3	0.1%	100%	$655,000
Bay Equity LLC	Conventional	3	0.1%	100%	$488,333
Planet Home Lending, LLC	Conventional, FHA	3	0.1%	75%	$611,666
Mutual of Omaha Mortgage	Conventional	3	0.1%	75%	$671,666
21St Mortgage	Conventional	3	0.1%	25%	$248,333
Champions Funding, LLC	Conventional, Jumbo	3	0.1%	75%	$878,333
Premier Mortgage Resources, LLC	Conventional, FHA	2	0.1%	100%	$330,000
Nbkc Bank	Conventional	2	0.1%	100%	$520,000
Loanunited.Com, LLC	FHA, VA, Jumbo	2	0.1%	100%	$880,000
Deephaven Mortgage LLC	Conventional	2	0.1%	100%	$485,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional, FHA, Jumbo	2	0.1%	100%	$910,000	View
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	2	0.1%	100%	$485,000	View
Lennar Mortgage, LLC	Conventional, VA, Jumbo	2	0.1%	66.7%	$865,000
Credit Human Federal Credit Un	Conventional	2	0.1%	50%	$205,000
Click n' Close, Inc.	Conventional, FHA	2	0.1%	100%	$320,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	2	0.1%	66.7%	$515,000	View
BoxCar Mortgage, LLC	Conventional	2	0.1%	100%	$720,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, VA	2	0.1%	100%	$520,000	View
Genway Home Mortgage, Inc.	Conventional, FHA, Jumbo	2	0.1%	100%	$775,000
Lower, LLC	Conventional, FHA	2	0.1%	66.7%	$665,000
Fairway Independent Mort Corp	Conventional	2	0.1%	100%	$445,000
HomeBridge Financial Services, Inc	FHA, HELOC	1 +6 HELOCs	0%	100%	$625,000
Quorum Federal Credit Union	Conventional, HELOC	1 +5 HELOCs	0%	100%	$65,000
Usalliance Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0%	100%	$55,000
Valon Mortgage	Conventional, HELOC	1 +1 HELOCs	0%	100%	$325,000
Arc Home LLC	Conventional	1	0%	100%	$745,000
Partners Federal Credit Union A+5.0 ★Texas Ratio: 4.65%	Conventional	1	0%	100%	$565,000	View
Primelending	Conventional	1	0%	100%	$325,000
Envoy Mortgage, Ltd	Conventional	1	0%	100%	$465,000
All Credit Considered Mortgage, Inc.	Conventional	1	0%	100%	$535,000
Acrisure Mortgage, LLC	Conventional	1	0%	100%	$695,000
Alkan Mortgage Corporation	Conventional	1	0%	100%	$695,000
Allied Mortgage Group, Inc	Conventional	1	0%	100%	$405,000
Directors Mortgage, Inc	Conventional	1	0%	100%	$885,000
Movement Mortgage, LLC	Conventional, Jumbo	1	0%	100%	$1,005,000
Dart Bank	Conventional	1	0%	50%	$785,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	FHA	1	0%	100%	$455,000	View
Filo Mortgage, LLC	Conventional	1	0%	100%	$645,000
Oaktree Funding Corp	Conventional	1	0%	100%	$155,000
Pinnacle Bank A+5.0 ★Texas Ratio: 3.04%	Conventional	1	0%	100%	$405,000	View
Discover Bank	Conventional	1	0%	4.3%	$305,000
Intercap Lending Inc	Conventional	1	0%	100%	$445,000
Peak Residential Lending Inc	Conventional	1	0%	100%	$465,000
American Financing Corporation	VA	1	0%	25%	$655,000
Real Genius LLC	Conventional	1	0%	100%	$625,000
Bank of Colorado	Conventional	1	0%	100%	$815,000
Delta Community Credit Union	Conventional, Jumbo	1	0%	100%	$1,485,000
Cardinal Financial Company, Li	Conventional	1	0%	100%	$385,000
Vellum Mortgage, Inc.	FHA, Jumbo	1	0%	100%	$915,000
St. Charles Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 5.27%	Conventional, Jumbo	1	0%	100%	$1,145,000	View
Towne Mortgage Company A+5.0 ★Texas Ratio: 1.59%	Conventional	1	0%	100%	$425,000	View
Wings Financial Credit Union A+5.0 ★Texas Ratio: 2.07%	Conventional, Jumbo	1	0%	100%	$1,345,000	View
Mortgage Solutions of Colorado	Conventional	1	0%	100%	$445,000
Logan Finance Corporation	Conventional	1	0%	50%	$305,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0%	100%	$205,000
Right Start Mortgage, Inc	Conventional	1	0%	100%	$605,000
Mld Mortgage, Inc.Dba the Money Store	Conventional	1	0%	100%	$155,000
Consumers Credit Union	Conventional	1	0%	100%	$285,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	1	0%	100%	$2,255,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, Jumbo	1	0%	100%	$1,245,000	View
Tomo Mortgage LLC	Conventional	1	0%	100%	$255,000
Village Capital & Investment	FHA	1	0%	100%	$675,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +13 HELOCs	0%	n/a		View
Alliant Credit Union	HELOC	0 +12 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +7 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +1 HELOCs	0%	n/a		View
Credit Union 1	HELOC	0 +1 HELOCs	0%	n/a
Boeing Employees' Credit Union	HELOC	0 +1 HELOCs	0%	n/a
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +1 HELOCs	0%	n/a		View
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	HELOC	0 +1 HELOCs	0%	n/a		View
Angel Oak Mortgage Solutions LLC	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Santa Rosa Mortgage Rate Trends

Daily average mortgage rates for California compared with the national average, updated every evening.

30-Year Fixed CA Avg

7.345%

▲ 0.089 vs 7 days ago

15-Year Fixed CA Avg

6.901%

▲ 0.040 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Santa Rosa, California

Looking for mortgage lenders near me or mortgage brokers near me in Santa Rosa? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Santa Rosa in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Santa Rosa, CA

Use these to narrow the list above. Each category shows how many Santa Rosa, CA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 131 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 47 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 37 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 62 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 29 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 51 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 88 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Santa Rosa, CA

Independent mortgage companies closed 73 percent of home loans in Santa Rosa, California in 2025, banks 11 percent and credit unions 16 percent. Provident Funding Associates was the largest mortgage company, US Bank, N.A. the largest bank and Redwood Credit Union the largest credit union. Among lenders headquartered in California, Redwood Credit Union led with 249 loans.

73%

Mortgage companies

11%

Banks

16%

Credit unions

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in California. County documentary transfer tax of $1.10 per $1,000 (0.11 percent), with many cities adding their own transfer tax (for example San Francisco and Los Angeles at much higher rates); no mortgage recording tax.

More California Mortgage Lender Pages

All California lenders 861 lenders Los Angeles 480 lenders San Diego 411 lenders San Jose 294 lenders Fresno 260 lenders San Francisco 277 lenders Sacramento 300 lenders Bakersfield 258 lenders Menifee 239 lenders Long Beach 284 lenders Oakland 265 lenders Santa Clarita 265 lenders Stockton 212 lenders

Frequently Asked Questions About Mortgage Lenders in Santa Rosa, CA

Who is the largest mortgage lender in Santa Rosa, CA?

By home loans closed in 2025, Redwood Credit Union was the largest mortgage lender in Santa Rosa, California with 249 loans, about 11.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Santa Rosa, CA have the highest approval rates?

Among lenders with meaningful volume in Santa Rosa, California, New American Funding, LLC. approved the highest share of completed applications in 2025 at 95.1 percent, against a 84.3 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Santa Rosa, CA mortgage lenders offer FHA, VA and USDA loans?

62 lenders closed FHA loans in Santa Rosa, California in 2025, led by United Wholesale Mortgage with 30. 29 lenders closed VA loans, led by United Wholesale Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Santa Rosa, CA lender list?

Yes. 47 banks and 37 credit unions closed home loans in Santa Rosa, California in 2025, alongside 131 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Santa Rosa, CA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Santa Rosa, California during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Santa Rosa, California for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Santa Rosa. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.