Top 3 Mortgage Lenders in Cotati

Guild Mortgage's Santa Rosa branch serves the entire Sonoma County area including Cotati with exceptional local expertise. They maintain a 4.8-star rating based on 185 reviews, highlighting their personalized service and extensive loan options. As a direct lender with in-house processing and underwriting, they offer faster closings and competitive rates. Their loan officers have deep knowledge of the North Bay housing market and specialize in both purchase loans and refinancing for Cotati residents.

As a community bank headquartered in Sonoma County, Summit State Bank has been serving Cotati and surrounding areas since 1982. They maintain a 4.7-star rating and are known for their local decision-making and personalized service. Their mortgage team offers competitive rates and specializes in construction loans and jumbo mortgages, making them ideal for Cotati's diverse housing market. The bank's strong community presence and understanding of local real estate trends make them a top choice.

RPM Mortgage has been serving the North Bay area including Cotati for over two decades with a 4.6-star rating from 127 reviews. They offer a comprehensive range of mortgage products with competitive pricing and exceptional customer service. Their Santa Rosa office features experienced loan officers who understand the unique aspects of Sonoma County's real estate market. RPM is particularly noted for their efficient processing and strong relationships with local real estate professionals in the Cotati area.