SANTA ROSA - PETALUMA Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Santa Rosa - Petaluma averaged
6.47%
for the week of 2024-11-07, compared to the national average of
6.79% for the same period.
The average rate for the prior week (2024-10-31) was
6.5% and
one month ago for the week of 2024-10-03, the
average rate was 5.8%.
Santa Rosa - Petaluma's average rate one year ago was 7.54%.
For refis of the same type during the week of 2024-11-07, the average rate
was 6.84%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-11-07 | 6.79% |
| Santa Rosa - Petaluma 30 Year Fixed Rate | 2024-11-07 | 6.47% |
| Santa Rosa - Petaluma 30 Year Fixed Rate Refi | 2024-11-07 | 6.84% |
| Santa Rosa - Petaluma 15 Year Fixed Rate | 2024-11-07 | 6.2% |
| Santa Rosa - Petaluma 15 Year Fixed Rate Refi | 2024-11-07 | 6.5% |
| Santa Rosa - Petaluma 30 Year FHA | 2024-11-07 | 5.96% |
| Santa Rosa - Petaluma 30 Year FHA Refi | 2024-11-07 | 6.63% |
| Santa Rosa - Petaluma 30 Year USDA | 2024-11-07 | 6.68% |
| Santa Rosa - Petaluma 30 Year USDA Refi | 2024-11-07 | 6.68% |
| Santa Rosa - Petaluma 30 Year VA | 2024-11-07 | 5.7% |
| Santa Rosa - Petaluma 30 Year VA Refi | 2024-11-07 | 6.44% |
SANTA ROSA - PETALUMA Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the SANTA ROSA-PETALUMA, CA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
SANTA ROSA - PETALUMA Average Closing Costs & Other Stats
SANTA ROSA-PETALUMA, CA's 194 lenders originated 5,962
loans during 2023. The total origination value was $2,935,850,000, with an average loan value of
$492,427.
SANTA ROSA - PETALUMA's average closing costs are $6,084.
The top SANTA ROSA - PETALUMA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
299 loans originated. Their average total fees are
$11,045, which is $2,352
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee SANTA ROSA - PETALUMA lenders (with over 10 loans originated) are
HOMEAMERICAN MORTGAGE CORPORATION ($9), Stifel Bank and Trust ($4,121), Charles Schwab Bank, SSB ($4,414), REDWOOD ($4,472) and Morgan Stanley Private Bank ($4,791).
The lowest rate SANTA ROSA - PETALUMA lenders (with over 10 loans originated) are
PACIFIC RESIDENTIAL MORTGAGE, LLC (3.96%), First Republic Bank (5.15%), First-Citizens Bank & Trust Company (5.55%), Citibank (5.66%) and Charles Schwab Bank, SSB (5.69%).
SANTA ROSA-PETALUMA, CA Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
|---|---|---|---|---|
| REDWOOD | $489,035,000 | $291,720,000 | -40.3% | 9.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $344,600,000 | $245,185,000 | -28.8% | 8.4% |
| JONES LANG LASALLE MULTIFAMILY, LLC | $40,745,000 | $179,545,000 | 340.7% | 6.1% |
| QUICKEN LOANS, LLC | $273,780,000 | $149,665,000 | -45.3% | 5.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $189,480,000 | $138,290,000 | -27.0% | 4.7% |
| Wells Fargo Bank | $253,640,000 | $99,540,000 | -60.8% | 3.4% |
| JPMorgan Chase Bank | $180,810,000 | $91,860,000 | -49.2% | 3.1% |
| U.S. Bank | $121,975,000 | $91,380,000 | -25.1% | 3.1% |
| First Republic Bank | $424,575,000 | $89,310,000 | -79.0% | 3.0% |
| BROKER SOLUTIONS, INC. | $35,715,000 | $61,420,000 | 72.0% | 2.1% |
| Bank of America | $112,120,000 | $56,195,000 | -49.9% | 1.9% |
| LOANDEPOT.COM, LLC | $177,415,000 | $56,185,000 | -68.3% | 1.9% |
| CALIBER HOME LOANS, INC. | $126,945,000 | $43,580,000 | -65.7% | 1.5% |
| Morgan Stanley Private Bank | $76,395,000 | $43,365,000 | -43.2% | 1.5% |
| Exchange Bank | $91,875,000 | $42,995,000 | -53.2% | 1.5% |
| SUMMIT FUNDING, INC. | $91,500,000 | $42,210,000 | -53.9% | 1.4% |
| GUILD MORTGAGE COMPANY | $41,085,000 | $41,965,000 | 2.1% | 1.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $71,425,000 | $39,390,000 | -44.9% | 1.3% |
| GUARANTEED RATE, INC. | $59,285,000 | $36,960,000 | -37.7% | 1.3% |
| PNC Bank | $36,985,000 | $36,860,000 | -0.3% | 1.3% |
| BMO Harris Bank | $1,575,000 | $31,835,000 | 1,921.3% | 1.1% |
| Citibank | $47,055,000 | $30,025,000 | -36.2% | 1.0% |
| GUARANTEED RATE AFFINITY, LLC | $45,900,000 | $26,005,000 | -43.3% | 0.9% |
| First-Citizens Bank & Trust Company | $2,065,000 | $24,160,000 | 1,070.0% | 0.8% |
| Umpqua Bank | $87,425,000 | $23,825,000 | -72.7% | 0.8% |
| Flagstar Bank, FSB | $99,560,000 | $23,535,000 | -76.4% | 0.8% |
| EVERETT FINANCIAL, INC. | $78,320,000 | $23,275,000 | -70.3% | 0.8% |
| PENNYMAC LOAN SERVICES, LLC | $24,435,000 | $22,350,000 | -8.5% | 0.8% |
| Banner Bank | $21,980,000 | $22,110,000 | 0.6% | 0.8% |
| DHI MORTGAGE COMPANY, LTD. | $17,520,000 | $21,225,000 | 21.1% | 0.7% |
| CMG MORTGAGE, INC. | $12,645,000 | $20,700,000 | 63.7% | 0.7% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $18,655,000 | $19,205,000 | 2.9% | 0.7% |
| WALKER & DUNLOP, LLC | $72,300,000 | $18,455,000 | -74.5% | 0.6% |
| NEWREZ LLC | $19,825,000 | $18,345,000 | -7.5% | 0.6% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $38,530,000 | $18,315,000 | -52.5% | 0.6% |
| Sierra Pacific Mortgage Company, Inc. | $42,120,000 | $18,085,000 | -57.1% | 0.6% |
| Paramount Residential Mortgage Group, Inc. | $20,430,000 | $17,050,000 | -16.5% | 0.6% |
| HOMEXPRESS MORTGAGE CORP. | $13,615,000 | $16,580,000 | 21.8% | 0.6% |
| Century Mortgage Company DBA Century Lending Company | $48,795,000 | $16,550,000 | -66.1% | 0.6% |
| Charles Schwab Bank, SSB | $52,210,000 | $16,275,000 | -68.8% | 0.6% |
| American Mortgage & Equity Consultants, Inc. | $14,380,000 | n/a | 0.5% | |
| ALAMEDA MORTGAGE CORPORATION | $980,000 | $13,815,000 | 1,309.7% | 0.5% |
| PATELCO | $28,315,000 | $13,135,000 | -53.6% | 0.4% |
| Commerce Home Mortgage, Inc. | $28,500,000 | $12,835,000 | -55.0% | 0.4% |
| FINANCE OF AMERICA REVERSE LLC | $39,380,000 | $12,760,000 | -67.6% | 0.4% |
| The Loan Store, Inc. | $12,315,000 | n/a | 0.4% | |
| AXIA FINANCIAL, LLC | $19,840,000 | $11,870,000 | -40.2% | 0.4% |
| PREMIER LENDING, INC. | $11,900,000 | $11,640,000 | -2.2% | 0.4% |
| COMMUNITY FIRST CREDIT UNION | $20,800,000 | $10,825,000 | -48.0% | 0.4% |
| AMWEST FUNDING CORP. | $20,255,000 | $9,900,000 | -51.1% | 0.3% |
| AHL FUNDING | $1,095,000 | $9,265,000 | 746.1% | 0.3% |
| UBS Bank USA | $23,860,000 | $9,205,000 | -61.4% | 0.3% |
| LONGBRIDGE FINANCIAL, LLC | $18,105,000 | $8,570,000 | -52.7% | 0.3% |
| NexBank | $8,880,000 | $8,440,000 | -5.0% | 0.3% |
| Stifel Bank and Trust | $7,135,000 | $8,155,000 | 14.3% | 0.3% |
| Ameris Bank | $8,005,000 | n/a | 0.3% | |
| Mechanics Bank | $7,835,000 | $8,005,000 | 2.2% | 0.3% |
| Goldman Sachs Bank USA | $12,260,000 | $7,980,000 | -34.9% | 0.3% |
| ALLIANT CREDIT UNION | $8,710,000 | $7,645,000 | -12.2% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $9,750,000 | $7,630,000 | -21.7% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $9,765,000 | $7,110,000 | -27.2% | 0.2% |
| KINECTA | $1,835,000 | $7,075,000 | 285.6% | 0.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $8,140,000 | $6,885,000 | -15.4% | 0.2% |
| TRIAD FINANCIAL SERVICES, INC. | $5,825,000 | $6,700,000 | 15.0% | 0.2% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $800,000 | $6,570,000 | 721.3% | 0.2% |
| HOMEAMERICAN MORTGAGE CORPORATION | $18,380,000 | $6,550,000 | -64.4% | 0.2% |
| LENDINGHOME FUNDING CORPORATION | $5,090,000 | $5,955,000 | 17.0% | 0.2% |
| OCMBC, INC. | $3,465,000 | $5,760,000 | 66.2% | 0.2% |
| Mortgage Research Center, LLC | $7,885,000 | $5,710,000 | -27.6% | 0.2% |
| KBHS HOME LOANS, LLC | $11,875,000 | $5,695,000 | -52.0% | 0.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $11,065,000 | $5,660,000 | -48.8% | 0.2% |
| THE GOLDEN 1 | $11,885,000 | $5,455,000 | -54.1% | 0.2% |
| FIRST TECHNOLOGY | $18,820,000 | $5,200,000 | -72.4% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $6,975,000 | $4,880,000 | -30.0% | 0.2% |
| CARDINAL FINANCIAL | $7,295,000 | $4,690,000 | -35.7% | 0.2% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | $7,320,000 | $4,675,000 | -36.1% | 0.2% |
| NMSI, INC. | $2,250,000 | $4,590,000 | 104.0% | 0.2% |
| Carrington Mortgage Services, LLC | $1,805,000 | $4,575,000 | 153.5% | 0.2% |
| AMERICAN FINANCIAL NETWORK, INC. | $4,545,000 | n/a | 0.2% | |
| Bank of Marin | $11,545,000 | $4,545,000 | -60.6% | 0.2% |
| CALCON MUTUAL MORTGAGE LLC | $3,710,000 | $4,470,000 | 20.5% | 0.2% |
| STAR ONE CREDIT UNION | $3,220,000 | $4,415,000 | 37.1% | 0.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $6,905,000 | $4,395,000 | -36.4% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $2,755,000 | $4,325,000 | 57.0% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $47,685,000 | $4,265,000 | -91.1% | 0.1% |
| RESIDENTIAL BANCORP | $5,630,000 | $4,255,000 | -24.4% | 0.1% |
| Fremont Bank | $32,400,000 | $4,090,000 | -87.4% | 0.1% |
| A&D Mortgage LLC | $2,170,000 | $4,070,000 | 87.6% | 0.1% |
| Citadel Servicing Corporation | $5,915,000 | $3,900,000 | -34.1% | 0.1% |
| JMAC LENDING, INC. | $6,645,000 | $3,770,000 | -43.3% | 0.1% |
| FREEDOM MORTGAGE CORPORATION | $15,020,000 | $3,755,000 | -75.0% | 0.1% |
| BETTER MORTGAGE CORPORATION | $17,210,000 | $3,690,000 | -78.6% | 0.1% |
| NEXERA HOLDING LLC | $10,095,000 | $3,660,000 | -63.7% | 0.1% |
| Figure Lending LLC | $3,780,000 | $3,550,000 | -6.1% | 0.1% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $780,000 | $3,535,000 | 353.2% | 0.1% |
| SAN FRANCISCO FIRE CREDIT UNION | $21,330,000 | $3,520,000 | -83.5% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $1,240,000 | $3,285,000 | 164.9% | 0.1% |
| Golden Empire Mortgage, Inc. | $2,775,000 | $3,255,000 | 17.3% | 0.1% |
| PLANET HOME LENDING, LLC | $2,935,000 | $3,180,000 | 8.3% | 0.1% |
| GUARANTY HOME MORTGAGE CORPORATION | $1,060,000 | $3,120,000 | 194.3% | 0.1% |
| S1L, Inc. | $33,820,000 | $3,115,000 | -90.8% | 0.1% |
| Bank of the West | $87,285,000 | $3,095,000 | -96.5% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $5,330,000 | $3,080,000 | -42.2% | 0.1% |
| BNY Mellon | $5,190,000 | $2,920,000 | -43.7% | 0.1% |
| Beverly Bank & Trust | $2,905,000 | n/a | 0.1% | |
| CHEVRON | $2,975,000 | $2,840,000 | -4.5% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $2,150,000 | $2,680,000 | 24.7% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $9,940,000 | $2,675,000 | -73.1% | 0.1% |
| PHH Mortgage Corporation | $11,540,000 | $2,670,000 | -76.9% | 0.1% |
| LENDSURE MORTGAGE CORP. | $6,160,000 | $2,625,000 | -57.4% | 0.1% |
| PACIFIC SERVICE | $2,945,000 | $2,520,000 | -14.4% | 0.1% |
| Tri Counties Bank | $5,840,000 | $2,450,000 | -58.0% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $1,400,000 | $2,370,000 | 69.3% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $10,220,000 | $2,345,000 | -77.1% | 0.1% |
| Citizens Bank | $11,410,000 | $2,320,000 | -79.7% | 0.1% |
| THE POLICE Credit Union | $4,330,000 | $2,320,000 | -46.4% | 0.1% |
| Mr. Cooper ( Nationstar Mortgage ) | $23,570,000 | $2,285,000 | -90.3% | 0.1% |
| Luther Burbank Savings | $23,715,000 | $2,265,000 | -90.4% | 0.1% |
| SCHOOLSFIRST | $2,875,000 | $2,110,000 | -26.6% | 0.1% |
| DRAPER AND KRAMER MORTGAGE CORP. | $7,830,000 | $2,065,000 | -73.6% | 0.1% |
| FJM PRIVATE MORTGAGE FUND, LLC | $8,330,000 | $2,055,000 | -75.3% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,385,000 | $2,050,000 | 48.0% | 0.1% |
| Plains Commerce Bank | $5,490,000 | $1,980,000 | -63.9% | 0.1% |
| City National Bank | $18,550,000 | $1,945,000 | -89.5% | 0.1% |
| 21ST MORTGAGE CORPORATION | $2,065,000 | $1,935,000 | -6.3% | 0.1% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $1,365,000 | $1,930,000 | 41.4% | 0.1% |
| ADVANCIAL | $2,805,000 | $1,925,000 | -31.4% | 0.1% |
| AMERITRUST MORTGAGE CORPORATION | $1,925,000 | n/a | 0.1% | |
| AMERICAN HERITAGE LENDING, INC. | $1,915,000 | n/a | 0.1% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,755,000 | $1,900,000 | 8.3% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $1,890,000 | n/a | 0.1% | |
| GEORGIA'S OWN | $3,140,000 | $1,880,000 | -40.1% | 0.1% |
| ZILLOW HOME LOANS, LLC | $2,355,000 | $1,865,000 | -20.8% | 0.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $890,000 | $1,835,000 | 106.2% | 0.1% |
| Provident Credit Union | $5,240,000 | $1,825,000 | -65.2% | 0.1% |
| ARC HOME LLC | $1,780,000 | $1,790,000 | 0.6% | 0.1% |
| MORTGAGEONE, INC. | $625,000 | $1,735,000 | 177.6% | 0.1% |
| First Federal Savings and Loan Association of San Rafael | $5,250,000 | $1,695,000 | -67.7% | 0.1% |
| Firefighters First Federal Credit Union | $1,235,000 | $1,685,000 | 36.4% | 0.1% |
| Comerica Bank | $2,625,000 | $1,680,000 | -36.0% | 0.1% |
| FUNDLOANS CAPITAL | $1,670,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $17,755,000 | $1,660,000 | -90.7% | 0.1% |
| NBKC BANK | $3,800,000 | $1,650,000 | -56.6% | 0.1% |
| Axos Bank | $4,155,000 | $1,630,000 | -60.8% | 0.1% |
| Provident Savings Bank, F.S.B. | $1,630,000 | n/a | 0.1% | |
| BAY EQUITY LLC | $7,400,000 | $1,620,000 | -78.1% | 0.1% |
| MidFirst Bank | $1,615,000 | n/a | 0.1% | |
| Truist | $7,250,000 | $1,600,000 | -77.9% | 0.1% |
| The Federal Savings Bank | $560,000 | $1,500,000 | 167.9% | 0.1% |
| VAL-CHRIS INVESTMENTS, INC. | $1,475,000 | n/a | 0.1% | |
| BECKAM FUNDING CORP. | $1,190,000 | $1,410,000 | 18.5% | 0.0% |
| KeyBank | $44,060,000 | $1,350,000 | -96.9% | 0.0% |
| SPRING EQ, LLC | $9,720,000 | $1,345,000 | -86.2% | 0.0% |
| MICHIGAN MUTUAL, INC. | $470,000 | $1,280,000 | 172.3% | 0.0% |
| VILLAGE CAPITAL MORTGAGE | $1,885,000 | $1,250,000 | -33.7% | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | $1,225,000 | n/a | 0.0% | |
| Raymond James Bank | $7,490,000 | $1,200,000 | -84.0% | 0.0% |
| LOGIX FEDERAL CREDIT UNION | $1,810,000 | $1,180,000 | -34.8% | 0.0% |
| AMERISAVE MORTGAGE CORPORATION | $21,780,000 | $1,175,000 | -94.6% | 0.0% |
| Coastal Community Bank | $1,155,000 | n/a | 0.0% | |
| Watermark Capital, Inc. | $5,580,000 | $1,150,000 | -79.4% | 0.0% |
| OPEN MORTGAGE, LLC | $8,065,000 | $1,145,000 | -85.8% | 0.0% |
| COASTAL FUNDING SLC, INC. | $2,860,000 | $1,120,000 | -60.8% | 0.0% |
| Discover Bank | $2,800,000 | $1,115,000 | -60.2% | 0.0% |
| ACADEMY MORTGAGE CORPORATION | $3,500,000 | $1,100,000 | -68.6% | 0.0% |
| DATA MORTGAGE, INC. | $1,075,000 | n/a | 0.0% | |
| MLD MORTGAGE INC. | $1,070,000 | n/a | 0.0% | |
| RBC Bank, (Georgia) | $1,035,000 | n/a | 0.0% | |
| USAA Federal Savings Bank | $2,475,000 | $1,025,000 | -58.6% | 0.0% |
| Alaska USA Federal Credit Union | $300,000 | $1,015,000 | 238.3% | 0.0% |
| HomeTrust Bank | $740,000 | $1,005,000 | 35.8% | 0.0% |
| Vellum Mortgage, Inc. | $980,000 | n/a | 0.0% | |
| STANFORD Federal Credit Union | $2,135,000 | $940,000 | -56.0% | 0.0% |
| MACKILLIE INCORPORATED | $920,000 | n/a | 0.0% | |
| PANORAMA MORTGAGE GROUP, LLC | $1,805,000 | $920,000 | -49.0% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $1,755,000 | $900,000 | -48.7% | 0.0% |
| Merchants Mortgage & Trust Corporation | $3,300,000 | $900,000 | -72.7% | 0.0% |
| First National Bank of America | $1,860,000 | $880,000 | -52.7% | 0.0% |
| NFM, INC. | $1,315,000 | $870,000 | -33.8% | 0.0% |
| INTERCAP LENDING INC. | $215,000 | $865,000 | 302.3% | 0.0% |
| PROPER RATE, LLC | $865,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $625,000 | $855,000 | 36.8% | 0.0% |
| Prosperity Home Mortgage, LLC | $2,335,000 | $855,000 | -63.4% | 0.0% |
| North Coast Financial, Inc. | $850,000 | n/a | 0.0% | |
| Ally Bank | $2,515,000 | $820,000 | -67.4% | 0.0% |
| NP, Inc. | $295,000 | $815,000 | 176.3% | 0.0% |
| TRAVIS CREDIT UNION | $2,675,000 | $815,000 | -69.5% | 0.0% |
| MK LENDING CORP. | $800,000 | n/a | 0.0% | |
| Servion, Inc. | $425,000 | $795,000 | 87.1% | 0.0% |
| EMBRACE HOME LOANS, INC. | $1,470,000 | $785,000 | -46.6% | 0.0% |
| UNIVERSITY CREDIT UNION | $790,000 | $780,000 | -1.3% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $980,000 | $765,000 | -21.9% | 0.0% |
| MORIA DEVELOPMENT, INC. | $755,000 | n/a | 0.0% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $880,000 | $750,000 | -14.8% | 0.0% |
| HomeStreet Bank | $1,090,000 | $735,000 | -32.6% | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | $545,000 | $725,000 | 33.0% | 0.0% |
| CERTIFIED | $725,000 | n/a | 0.0% | |
| First Federal Bank | $725,000 | n/a | 0.0% | |
| NETWORK CAPITAL FUNDING CORPORATION | $2,655,000 | $725,000 | -72.7% | 0.0% |
| SWBC MORTGAGE CORPORATION | $725,000 | n/a | 0.0% | |
| 5TH STREET CAPITAL, INC. | $3,555,000 | $705,000 | -80.2% | 0.0% |
| NATIONS RELIABLE LENDING, LLC | $615,000 | $685,000 | 11.4% | 0.0% |
| SACRAMENTO Credit Union | $685,000 | n/a | 0.0% | |
| Toyota Financial Savings Bank | $685,000 | n/a | 0.0% | |
| PREMIA MORTGAGE, LLC | $680,000 | n/a | 0.0% | |
| Advisors Mortgage Group, L.L.C. | $670,000 | n/a | 0.0% | |
| Greenbox Loans, Inc. | $635,000 | $665,000 | 4.7% | 0.0% |
| HighTechLending Inc | $1,265,000 | $655,000 | -48.2% | 0.0% |
| Hometown Equity Mortgage, LLC | $2,705,000 | $655,000 | -75.8% | 0.0% |
| SUMMIT MORTGAGE CORPORATION | $655,000 | n/a | 0.0% | |
| The Huntington National Bank | $655,000 | n/a | 0.0% | |
| Franklin Loan Corporation | $2,200,000 | $645,000 | -70.7% | 0.0% |
| Logan Finance Corporation | $645,000 | n/a | 0.0% | |
| ENVOY MORTGAGE, LTD | $7,390,000 | $635,000 | -91.4% | 0.0% |
| Pivotal Capital Group II, LLC | $2,150,000 | $625,000 | -70.9% | 0.0% |
| EQUITY WAVE LENDING, INC. | $610,000 | n/a | 0.0% | |
| CHERRY CREEK MORTGAGE, LLC | $3,015,000 | $605,000 | -79.9% | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $1,535,000 | $605,000 | -60.6% | 0.0% |
| VAN DYK MORTGAGE CORPORATION | $605,000 | n/a | 0.0% | |
| GTE Federal Credit Union | $275,000 | $600,000 | 118.2% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $2,295,000 | $575,000 | -74.9% | 0.0% |
| Cache Valley Bank | $565,000 | n/a | 0.0% | |
| Self-Help Federal Credit Union | $565,000 | n/a | 0.0% | |
| Platinum Home Mortgage Corporation | $1,000,000 | $555,000 | -44.5% | 0.0% |
| PLUS RELOCATION MORTGAGE, LLC | $515,000 | n/a | 0.0% | |
| USE Credit Union | $515,000 | n/a | 0.0% | |
| SUN WEST MORTGAGE COMPANY, INC. | $1,460,000 | $505,000 | -65.4% | 0.0% |
| ON Q FINANCIAL, INC. | $1,195,000 | $485,000 | -59.4% | 0.0% |
| Bethpage Federal Credit Union | $5,645,000 | $475,000 | -91.6% | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $485,000 | $475,000 | -2.1% | 0.0% |
| Pacific City Bank | $555,000 | $475,000 | -14.4% | 0.0% |
| Water and Power Community Credit Union | $475,000 | n/a | 0.0% | |
| The Northern Trust Company | $6,600,000 | $465,000 | -93.0% | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | $4,580,000 | $445,000 | -90.3% | 0.0% |
| NEW WAVE LENDING GROUP INC | $435,000 | n/a | 0.0% | |
| DAS Acquisition Company, LLC | $405,000 | n/a | 0.0% | |
| First Bank | $655,000 | $405,000 | -38.2% | 0.0% |
| INTERNATIONAL CITY MORTGAGE, INC. | $405,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $3,245,000 | $405,000 | -87.5% | 0.0% |
| KEYPOINT | $2,270,000 | $390,000 | -82.8% | 0.0% |
| First Savings Bank | $3,875,000 | $365,000 | -90.6% | 0.0% |
| CTBC Bank Corp. (USA) | $345,000 | n/a | 0.0% | |
| Connexus Credit Union | $340,000 | n/a | 0.0% | |
| AUGUSTA FINANCIAL, INC. | $335,000 | n/a | 0.0% | |
| NJ LENDERS CORP. | $325,000 | n/a | 0.0% | |
| USAlliance Federal Credit Union | $325,000 | n/a | 0.0% | |
| AFFINITY | $305,000 | n/a | 0.0% | |
| FIRST NATIONS HOME FINANCE CORPORATION | $285,000 | $305,000 | 7.0% | 0.0% |
| Bank of England | $275,000 | n/a | 0.0% | |
| MID-VALLEY SERVICES, INC. | $275,000 | n/a | 0.0% | |
| SILVER HILL FUNDING, LLC | $275,000 | n/a | 0.0% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $16,865,000 | $255,000 | -98.5% | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | $255,000 | n/a | 0.0% | |
| INOVA FEDERAL CREDIT UNION | $255,000 | n/a | 0.0% | |
| Kwik Mortgage Corporation | $505,000 | $255,000 | -49.5% | 0.0% |
| MY MORTGAGE, INC. | $255,000 | n/a | 0.0% | |
| Magnolia Bank | $970,000 | $245,000 | -74.7% | 0.0% |
| Fifth Third Bank | $885,000 | $205,000 | -76.8% | 0.0% |
| Financial Partners Credit Union | $2,270,000 | $205,000 | -91.0% | 0.0% |
| MERIWEST | $610,000 | $205,000 | -66.4% | 0.0% |
| ALL REVERSE MORTGAGE, INC. | $455,000 | $175,000 | -61.5% | 0.0% |
| Operating Engineers Local Union #3 | $4,145,000 | $175,000 | -95.8% | 0.0% |
| Bank of Stockton | $170,000 | n/a | 0.0% | |
| GREATER NEVADA LLC | $165,000 | n/a | 0.0% | |
| Commercial Loan Corporation | $305,000 | $155,000 | -49.2% | 0.0% |
| Lakeview Community Capital, LLC | $355,000 | $140,000 | -60.6% | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $1,005,000 | $135,000 | -86.6% | 0.0% |
| California Coast Credit Union | $110,000 | n/a | 0.0% | |
| TECHNOLOGY | $255,000 | $110,000 | -56.9% | 0.0% |
| HERITAGE COMMUNITY CREDIT UNION | $105,000 | n/a | 0.0% | |
| San Mateo Credit Union | $2,295,000 | $105,000 | -95.4% | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | $105,000 | n/a | 0.0% | |
| UNCLE Credit Union | $95,000 | n/a | 0.0% | |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $845,000 | $85,000 | -89.9% | 0.0% |
| SANTA CLARA COUNTY | $85,000 | n/a | 0.0% | |
| INTELLILOAN, INC. | $945,000 | $75,000 | -92.1% | 0.0% |
| LADERA LENDING, INC. | $315,000 | $75,000 | -76.2% | 0.0% |
| LOANPAL, LLC | $3,010,000 | $75,000 | -97.5% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $65,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $415,000 | $55,000 | -86.7% | 0.0% |
| SALAL | $1,755,000 | $45,000 | -97.4% | 0.0% |
| Educational Employees Credit Union | $35,000 | n/a | 0.0% | |
| Signature Federal Credit Union | $25,000 | n/a | 0.0% | |
| WESCOM CENTRAL CREDIT UNION | $910,000 | $25,000 | -97.3% | 0.0% |
SANTA ROSA - PETALUMA's top lender by overall market share is REDWOOD, with 9.9% market share. In second place, with 8.4%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $245,185,000 in loans. In third place, with 6.1%, is JONES LANG LASALLE MULTIFAMILY, LLC, having originated $179,545,000 in loans. In fourth place, with 5.1%, is QUICKEN LOANS, LLC, having originated $149,665,000 in loans. In fifth place, with 4.7%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $138,290,000 in loans.
SANTA ROSA-PETALUMA, CA Average Rent (2023)
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| Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
|---|---|---|---|---|---|---|
| 94515 | Santa Rosa, CA MSA | $1,330 | $1,510 | $1,990 | $2,740 | $2,850 |
| 94558 | Santa Rosa, CA MSA | $1,640 | $1,860 | $2,450 | $3,370 | $3,420 |
| 94574 | Santa Rosa, CA MSA | $1,600 | $1,820 | $2,390 | $3,290 | $3,330 |
| 94922 | Santa Rosa, CA MSA | $2,010 | $2,260 | $2,970 | $4,090 | $4,430 |
| 94923 | Santa Rosa, CA MSA | $1,240 | $1,400 | $1,840 | $2,570 | $2,850 |
| 94927 | Santa Rosa, CA MSA | $1,520 | $1,710 | $2,250 | $3,100 | $3,350 |
| 94928 | Santa Rosa, CA MSA | $1,580 | $1,780 | $2,340 | $3,220 | $3,490 |
| 94931 | Santa Rosa, CA MSA | $1,480 | $1,660 | $2,180 | $3,000 | $3,250 |
| 94945 | Santa Rosa, CA MSA | $1,990 | $2,460 | $2,940 | $3,710 | $4,040 |
| 94951 | Santa Rosa, CA MSA | $1,320 | $1,480 | $1,950 | $2,690 | $2,910 |
| 94952 | Santa Rosa, CA MSA | $1,910 | $2,380 | $2,880 | $3,710 | $4,040 |
| 94953 | Santa Rosa, CA MSA | $1,520 | $1,710 | $2,250 | $3,100 | $3,350 |
| 94954 | Santa Rosa, CA MSA | $1,910 | $2,140 | $2,820 | $3,880 | $4,200 |
| 94955 | Santa Rosa, CA MSA | $1,520 | $1,710 | $2,250 | $3,100 | $3,350 |
| 94972 | Santa Rosa, CA MSA | $1,910 | $2,380 | $2,880 | $3,710 | $4,040 |
| 94975 | Santa Rosa, CA MSA | $1,520 | $1,710 | $2,250 | $3,100 | $3,350 |
| 94999 | Santa Rosa, CA MSA | $1,520 | $1,710 | $2,250 | $3,100 | $3,350 |
| 95401 | Santa Rosa, CA MSA | $1,380 | $1,550 | $2,040 | $2,810 | $3,040 |
| 95402 | Santa Rosa, CA MSA | $1,520 | $1,710 | $2,250 | $3,100 | $3,350 |
| 95403 | Santa Rosa, CA MSA | $1,450 | $1,630 | $2,140 | $2,950 | $3,190 |
| 95404 | Santa Rosa, CA MSA | $1,370 | $1,540 | $2,030 | $2,800 | $3,030 |
| 95405 | Santa Rosa, CA MSA | $1,670 | $1,880 | $2,470 | $3,400 | $3,680 |
| 95406 | Santa Rosa, CA MSA | $1,520 | $1,710 | $2,250 | $3,100 | $3,350 |
| 95407 | Santa Rosa, CA MSA | $1,330 | $1,490 | $1,960 | $2,700 | $2,920 |
| 95409 | Santa Rosa, CA MSA | $1,560 | $1,750 | $2,300 | $3,170 | $3,430 |
| 95412 | Santa Rosa, CA MSA | $1,240 | $1,400 | $1,840 | $2,570 | $2,850 |
| 95416 | Santa Rosa, CA MSA | $1,520 | $1,710 | $2,250 | $3,100 | $3,350 |
| 95419 | Santa Rosa, CA MSA | $1,520 | $1,710 | $2,250 | $3,100 | $3,350 |
| 95421 | Santa Rosa, CA MSA | $1,240 | $1,400 | $1,840 | $2,570 | $2,850 |
| 95425 | Santa Rosa, CA MSA | $1,280 | $1,440 | $1,890 | $2,600 | $2,850 |
| 95430 | Santa Rosa, CA MSA | $1,240 | $1,400 | $1,840 | $2,570 | $2,850 |
| 95431 | Santa Rosa, CA MSA | $1,520 | $1,710 | $2,250 | $3,100 | $3,350 |
| 95433 | Santa Rosa, CA MSA | $1,520 | $1,710 | $2,250 | $3,100 | $3,350 |
| 95436 | Santa Rosa, CA MSA | $1,290 | $1,440 | $1,900 | $2,620 | $2,850 |
| 95439 | Santa Rosa, CA MSA | $1,540 | $1,730 | $2,270 | $3,130 | $3,390 |
| 95441 | Santa Rosa, CA MSA | $1,280 | $1,440 | $1,890 | $2,600 | $2,850 |
| 95442 | Santa Rosa, CA MSA | $1,390 | $1,560 | $2,060 | $2,840 | $3,070 |
| 95444 | Santa Rosa, CA MSA | $1,450 | $1,630 | $2,140 | $2,950 | $3,190 |
| 95445 | Santa Rosa, CA MSA | $1,520 | $1,710 | $2,250 | $3,100 | $3,350 |
| 95446 | Santa Rosa, CA MSA | $1,240 | $1,400 | $1,840 | $2,570 | $2,850 |
| 95448 | Santa Rosa, CA MSA | $1,540 | $1,730 | $2,280 | $3,140 | $3,400 |
| 95450 | Santa Rosa, CA MSA | $1,310 | $1,480 | $1,950 | $2,680 | $2,900 |
| 95452 | Santa Rosa, CA MSA | $1,500 | $1,680 | $2,220 | $3,050 | $3,260 |
| 95461 | Santa Rosa, CA MSA | $1,570 | $1,780 | $2,340 | $3,230 | $3,340 |
| 95462 | Santa Rosa, CA MSA | $1,240 | $1,400 | $1,840 | $2,570 | $2,850 |
| 95465 | Santa Rosa, CA MSA | $1,810 | $2,030 | $2,670 | $3,680 | $3,980 |
| 95471 | Santa Rosa, CA MSA | $1,340 | $1,500 | $1,980 | $2,730 | $2,950 |
| 95472 | Santa Rosa, CA MSA | $1,450 | $1,630 | $2,140 | $2,950 | $3,190 |
| 95473 | Santa Rosa, CA MSA | $1,520 | $1,710 | $2,250 | $3,100 | $3,350 |
| 95476 | Santa Rosa, CA MSA | $1,460 | $1,640 | $2,160 | $2,970 | $3,220 |
| 95480 | Santa Rosa, CA MSA | $1,520 | $1,710 | $2,250 | $3,100 | $3,350 |
| 95486 | Santa Rosa, CA MSA | $1,240 | $1,400 | $1,840 | $2,570 | $2,850 |
| 95487 | Santa Rosa, CA MSA | $1,520 | $1,710 | $2,250 | $3,100 | $3,350 |
| 95492 | Santa Rosa, CA MSA | $1,790 | $2,010 | $2,640 | $3,640 | $3,930 |
| 95497 | Santa Rosa, CA MSA | $1,250 | $1,410 | $1,850 | $2,570 | $2,950 |
2022 Average & Median Rent Data Statistics
SANTA ROSA-PETALUMA, CA average 1BR rent: $1,694, median: $1,710
SANTA ROSA-PETALUMA, CA average 2BR rent: $2,213, median: $2,250
SANTA ROSA-PETALUMA, CA average 3BR rent: $3,038, median: $3,100
SANTA ROSA-PETALUMA, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 3,134 | $1,987,620,000 | $634,212 |
| Home Improvement | 994 | $128,120,000 | $128,893 |
| Other | 753 | $183,765,000 | $244,044 |
| Cash Out Refi | 700 | $238,580,000 | $340,829 |
| Refi | 381 | $397,765,000 | $1,044,003 |
Santa Rosa - Petaluma's most frequently cited loan purpose was Home Purchase, with 3,134 originations. The 2nd most popular reason was Home Improvement, with 994 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 2,134 | $1,090,580,000 | $511,050 |
| Over 8% | 1,428 | $294,490,000 | $206,225 |
| 7-8% | 1,281 | $594,435,000 | $464,040 |
| 5-6% | 877 | $765,025,000 | $872,320 |
| 4-5% | 87 | $108,845,000 | $1,251,092 |
| <2.5% | 33 | $4,775,000 | $144,697 |
| 3-4% | 11 | $10,525,000 | $956,818 |
| 2.5-3% | 6 | $2,720,000 | $453,333 |
During 2023, Santa Rosa - Petaluma's most frequently originated rate bucket was 6-7%, with 2,134 originations.
Loan Sizing (SANTA ROSA-PETALUMA, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $600k-1000k | 1,383 | $1,011,185,000 | $731,153 |
| $400k-600k | 1,245 | $621,195,000 | $498,952 |
| $200k-400k | 1,086 | $310,570,000 | $285,976 |
| $100,000 or less | 1,043 | $60,195,000 | $57,713 |
| $100k-200k | 875 | $117,355,000 | $134,120 |
| $Over $1MM | 330 | $815,350,000 | $2,470,758 |
SANTA ROSA - PETALUMA's loan sizing saw the bucket of loans from $600k-1000k with 1,383 originations, totaling $1,011,185,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| Under 20% | 1,791 | $183,325,000 | $102,359 |
| 80-100% | 1,342 | $894,390,000 | $666,461 |
| 60-80% | 1,267 | $907,465,000 | $716,231 |
| 20-40% | 740 | $254,080,000 | $343,351 |
| 40-60% | 681 | $431,465,000 | $633,576 |
| Over 100% | 18 | $191,220,000 | $10,623,333 |
SANTA ROSA - PETALUMA's loan sizing saw loans grouped in the Under 20% Loan-to-value bucket with 1,791 originations, totaling $183,325,000 in origination value.