Mortgage lending in Sonoma County, California
Lenders in Sonoma County, California reported 13,192 mortgage applications for 2025, according to the CFPB.
13,192 mortgage applications and 7,921 loans originated in 2025; the denial rate was 18.6% of 10,395 applications decided. The median loan was about $435,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Santa Rosa-Petaluma, CA MSA.
- 13,192
- Applications
- 7,921
- Loans originated
- 18.6%
- Denial rate
- 1,934 denied of 10,395 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 13,192 | 7,921 |
| 2024 | 11,328 | 6,738 |
| 2023 | 10,038 | 5,984 |
| 2022 | 17,705 | 11,227 |
| 2021 | 42,004 | 28,477 |
| 2020 | 43,665 | 29,723 |
| 2019 | 24,995 | 16,382 |
| 2018 | 20,148 | 12,500 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Redwood Credit Union | 1,419 | 2,225 |
| United Wholesale Mortgage | 659 | 859 |
| Rocket Mortgage | 558 | 719 |
| Crosscountry Mortgage, LLC | 249 | 379 |
| Newrez LLC | 229 | 397 |
| US Bank, N.A. | 166 | 279 |
| Guild Mortgage Company | 152 | 198 |
| Bank of America NA | 151 | 338 |
| New American Funding, LLC. | 143 | 238 |
| Pennymac Loan Services LLC | 141 | 225 |
| JPMorgan Chase Bank, NA | 137 | 229 |
| loanDepot.com LLC | 116 | 180 |
| Guaranteed Rate, Inc. | 112 | 212 |
| The Loan Store, Inc | 107 | 138 |
| Kind Lending, LLC | 96 | 123 |
| Guaranteed Rate Affinity, LLC | 94 | 130 |
| Community First Credit Union | 88 | 125 |
| Wells Fargo Bank NA | 85 | 136 |
| BMO Harris Bank NA | 82 | 157 |
| Synergy One Lending, Inc. | 75 | 90 |
| CMG Mortgage Inc | 74 | 114 |
| Spring Eq, LLC | 67 | 217 |
| MortgageOne, Inc | 60 | 85 |
| Paramount Residential Mortgage | 56 | 73 |
| STG Mortgage Inc | 56 | 87 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 128 | 19.6% of 97 decided |
| Asian | 623 | 22.3% of 472 decided |
| Black or African American | 142 | 20.0% of 95 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 8,708 | 17.5% of 7,019 decided |
| 2 or more minority races | 32 | no rate: base under 50 |
| Joint | 452 | 12.7% of 363 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 3,071 | 21.8% of 2,303 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,625 | 24.3% of 1,268 decided |
| Not Hispanic or Latino | 8,308 | 17.1% of 6,638 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,738 | 20.9% of 2,064 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,746 | 22.7% of 2,942 decided |
| Female | 2,910 | 19.3% of 2,333 decided |
| Joint | 5,326 | 13.8% of 4,284 decided |
| Sex Not Available | 1,210 | 26.8% of 836 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 57 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved