Mortgage Lenders and Brokers in Santa Rosa Valley, California
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Santa Rosa Valley, California mortgage lenders include US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Citibank, NACitibank, NA5837 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 2.82%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, Logix Federal Credit UnionLogix Federal Credit Union100 N First St Ste 100, Burbank, CA 91502 1845A+5.0 ★Texas Ratio: 5.23%, BMO Harris Bank NABMO Harris Bank NA855 W Valley Blvd, Alhambra, CA 91803A+5.0 ★Texas Ratio: 3.54%, Ventura County Credit UnionVentura County Credit Union520 Arneill Rd, Camarillo, CA 93010 6414B4.6 ★Texas Ratio: 19.65%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Firefighters First Federal Credit UnionFirefighters First Federal Credit Union7900 Downing Ave, Bakersfield, CA 93308A+5.0 ★Texas Ratio: 1.69%, City National BankCity National Bank2401 E Katella Ave, Anaheim, CA 92806A+5.0 ★Texas Ratio: 5.55%, and Mechanics BankMechanics Bank801 San Pablo Ave, Albany, CA 94706A+5.0 ★Texas Ratio: 1.81%. 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 Valley, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Santa Rosa Valley 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 Valley, California
Market share is the lender's share of all home loans closed in Santa Rosa Valley, 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 |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, VA, Jumbo, HELOC | 3 +4 HELOCs |
4.2% | 50% | $1,301,666 | View |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
4.2% | 100% | $1,935,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 2 +4 HELOCs |
2.8% | 100% | $1,120,000 | View |
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100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23% |
Conventional, HELOC | 1 +3 HELOCs |
1.4% | 100% | $145,000 | View |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo, HELOC | 1 +3 HELOCs |
1.4% | 100% | $1,655,000 | View |
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520 Arneill Rd, Camarillo, CA 93010 6414 B4.6 ★Texas Ratio: 19.65% |
Conventional, HELOC | 1 +2 HELOCs |
1.4% | 100% | $355,000 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
1.4% | 100% | $1,705,000 | View |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
1.4% | 100% | $1,225,000 | View |
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2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
1.4% | 100% | $2,365,000 | View |
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801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81% |
Conventional, Jumbo | 1 | 1.4% | 100% | $1,545,000 | View |
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1500 S Sepulveda Blvd, Los Angeles, CA 90025 A+5.0 ★Texas Ratio: 3.82% |
Conventional, Jumbo | 1 | 1.4% | 100% | $1,815,000 | View |
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2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
Conventional | 1 | 1.4% | 100% | $645,000 | View |
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3720 S Flower St FL 4, Los Angeles, CA 90089 A+5.0 ★Texas Ratio: 5.49% |
Conventional | 1 | 1.4% | 100% | $315,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional, Jumbo | 1 | 1.4% | 100% | $1,485,000 | View |
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1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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★ 5 stars, 1 review 5601 E La Palma Ave, Anaheim, CA 92807 A+5.0 ★Texas Ratio: 2.66% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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2520 W Olive Ave, Burbank, CA 91505 4527 A+5.0 ★Texas Ratio: 4.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pennymac Loan Services LLC
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Conventional, Jumbo | 3 | 4.2% | 100% | $1,258,333 | |
Golden Empire Mortgage, Inc.
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Conventional, Jumbo | 2 | 2.8% | 100% | $1,240,000 | |
HomeXpress Mortgage Corp.
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Conventional, Jumbo | 2 | 2.8% | 100% | $1,905,000 | |
American Pacific Mortgage Corporation
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Conventional, Jumbo | 2 | 2.8% | 100% | $1,835,000 | |
Alameda Mortgage Corporation
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Conventional, Jumbo | 1 | 1.4% | 100% | $1,105,000 | |
Kind Lending, LLC
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Conventional | 1 | 1.4% | 50% | $975,000 | |
loanDepot.com LLC
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Conventional | 1 | 1.4% | 100% | $505,000 | |
Augusta Financial, Inc.
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Conventional, Jumbo | 1 | 1.4% | 100% | $1,285,000 | |
Resicentral LLC
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Conventional | 1 | 1.4% | 100% | $805,000 | |
AmWest Funding Corp
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Conventional | 1 | 1.4% | 100% | $505,000 | |
New Wave Lending Group Inc
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Conventional, Jumbo | 1 | 1.4% | 100% | $1,415,000 | |
Stg Mortgage Inc
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Conventional, Jumbo | 1 | 1.4% | 100% | $2,175,000 | |
New American Funding, LLC.
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Conventional, Jumbo | 1 | 1.4% | 100% | $1,525,000 | |
ClearEdge Lending LLC
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Conventional, Jumbo | 1 | 1.4% | 100% | $3,325,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, Jumbo | 9 | 12.5% | 90% | $761,666 | |
United Wholesale Mortgage
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Conventional, Jumbo, HELOC | 4 +1 HELOCs |
5.6% | 66.7% | $987,500 | |
Guaranteed Rate, Inc.
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Conventional, Jumbo, HELOC | 2 +1 HELOCs |
2.8% | 100% | $1,070,000 | |
Newrez LLC
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Conventional, Jumbo | 2 | 2.8% | 100% | $1,075,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 2 | 2.8% | 100% | $925,000 | View |
Mld Mortgage, Inc.Dba the Money Store
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Conventional, Jumbo | 2 | 2.8% | 100% | $1,225,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 2 | 2.8% | 100% | $685,000 | View |
Fairway Independent Mort Corp
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Conventional, Jumbo | 2 | 2.8% | 100% | $1,615,000 | |
Spring Eq, LLC
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Conventional | 2 | 2.8% | 28.6% | $130,000 | |
Pentagon Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
1.4% | 100% | $805,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 1.4% | 100% | $825,000 | |
Communityamerica Federal Credit Union
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Conventional, Jumbo | 1 | 1.4% | 100% | $1,745,000 | |
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A+5.0 ★Texas Ratio: 3.87% |
Conventional, Jumbo | 1 | 1.4% | 100% | $1,025,000 | View |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional, Jumbo | 1 | 1.4% | 100% | $1,305,000 | View |
Nationstar Mortgage
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VA | 1 | 1.4% | 50% | $525,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 1 | 1.4% | 100% | $1,895,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +3 HELOCs |
0% | 0% | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +2 HELOCs |
0% | 0% | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Gte Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
First Technology Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Santa Rosa Valley Mortgage Rate Trends
Daily average mortgage rates for California compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Santa Rosa Valley, California
Looking for mortgage lenders near me or mortgage brokers near me in Santa Rosa Valley? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Santa Rosa Valley in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Santa Rosa Valley, CA
Use these to narrow the list above. Each category shows how many Santa Rosa Valley, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Santa Rosa Valley, CA
Independent mortgage companies closed 63.9 percent of home loans in Santa Rosa Valley, California in 2025, banks 25 percent and credit unions 11.1 percent. Pennymac Loan Services LLC was the largest mortgage company, US Bank, N.A. the largest bank and Logix Federal Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 2 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
Frequently Asked Questions About Mortgage Lenders in Santa Rosa Valley, CA
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Santa Rosa Valley, California with 3 loans, about 4.2 percent of the market. The largest lender headquartered in California was Bank of America NA with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 16 banks and 19 credit unions closed home loans in Santa Rosa Valley, California in 2025, alongside 26 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.
Lenders are ranked only by the number of home loans they closed in Santa Rosa Valley, 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 Valley, 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 Valley. 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.
