Santa Rosa-Petaluma
Metropolitan Statistical Area · MSA Code 42220
According to CFPB HMDA 2024 application volume among tracked metros, Santa Rosa-Petaluma ranks #182 of 418.
Mortgage lending activity in the Santa Rosa-Petaluma metro area based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this geography during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Metro-area mortgage activity. The Santa Rosa-Petaluma Metropolitan Statistical Area (MSA code 42220) financed its book at an average note rate of 7.43%. 20 major lenders are tracked for this metro - Redwood Credit Union, United Wholesale Mortgage, Rocket Mortgage lead by origination volume. Among the 418 metros tracked, Santa Rosa-Petaluma sits in the 73rd percentile for approval-friendliness by denial rate, and shares its 5-point denial-rate band with 117 other tracked metros.
What MSA numbers tell you, and what they don't. Metro area boundaries are defined by the U.S. Office of Management and Budget and typically span multiple counties, so a single Santa Rosa-Petaluma denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 14.8% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $508,879 average loan size reflects the MSA's property values and the borrower pool that actually applied, not any single neighborhood. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Santa Rosa-Petaluma
In Santa Rosa-Petaluma, lead originator Redwood Credit Union funded 16.0% of 6,716 originated loans, above the fleet's upper tercile (~12.8% top-1). The top three reporters together hold 31.2% of the book, so a handful of names dominate disclosed volume here.
Metros With a Similar Denial Rate
The metro areas closest to Santa Rosa-Petaluma's 14.8% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to Santa Rosa-Petaluma's 12,518 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to Santa Rosa-Petaluma's $508,879 average loan (deduped against denial and volume peers).
Lenders active in the Santa Rosa-Petaluma metro
Redwood Credit Union funded 1,072 of the 6,716 loans originated here, 16.0% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | Redwood Credit Union | 1,072 | 1,753 | $220,334 | 16.0% |
| 2 | United Wholesale Mortgage | 580 | 765 | $565,680 | 8.6% |
| 3 | Rocket Mortgage | 446 | 585 | $450,863 | 6.6% |
| 4 | Crosscountry Mortgage, LLC | 243 | 331 | $589,713 | 3.6% |
| 5 | Newrez LLC | 165 | 419 | $485,692 | 2.5% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For the Santa Rosa-Petaluma metropolitan area, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- Metropolitan Statistical Areas are defined by the U.S. Office of Management and Budget (OMB). Not financial advice for Santa Rosa-Petaluma borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.