Mortgage lenders in Sonoma County
7,918 mortgages were made in Sonoma County, California, in 2025, by 399 lenders. The median rate their borrowers got was 6.875% on a median loan of $435,000. Of 10,392 decisions, 1,934 were denials — 18.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| REDWOOD | 1,419 | 8.000% | $155,000 | 19.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 659 | 6.500% | $565,000 | 11.7% |
| Rocket Mortgage, LLC | 558 | 6.750% | $415,000 | 14.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 249 | 6.875% | $575,000 | 3.8% |
| NEWREZ LLC | 229 | 6.750% | $525,000 | 9.9% |
| U.S. Bank National Association | 166 | 6.500% | $580,000 | 25.2% |
| GUILD MORTGAGE COMPANY | 152 | 6.625% | $500,000 | 1.8% |
| Bank of America, National Association | 151 | 5.990% | $255,000 | 37.1% |
| Broker Solutions, Inc. | 143 | 6.875% | $495,000 | 7.4% |
| PENNYMAC LOAN SERVICES, LLC | 141 | 6.624% | $565,000 | 16.5% |
| JPMorgan Chase Bank, National Association | 137 | 6.125% | $645,000 | 20.1% |
| Loandepot.Com, LLC | 116 | 6.625% | $535,000 | 16.8% |
| GUARANTEED RATE, INC. | 112 | 6.625% | $555,000 | 10.2% |
| THE LOAN STORE, INC. | 107 | 6.625% | $505,000 | 7.1% |
| KIND LENDING, LLC | 96 | 6.625% | $490,000 | 14.9% |
| GUARANTEED RATE AFFINITY, LLC | 94 | 6.550% | $530,000 | 3.9% |
| COMMUNITY FIRST CREDIT UNION | 88 | 7.750% | $155,000 | 15.6% |
| Wells Fargo Bank, National Association | 85 | 6.125% | $655,000 | 19.1% |
| BMO Bank National Association | 82 | 8.193% | $205,000 | 35.1% |
| Synergy One Lending, Inc. | 75 | 6.625% | $665,000 | 2.6% |
| CMG MORTGAGE, INC. | 73 | 6.625% | $505,000 | 4.8% |
| SPRING EQ, LLC | 67 | 9.550% | $125,000 | 61.2% |
| MORTGAGEONE, INC. | 60 | 6.875% | $605,000 | 1.6% |
| STG MORTGAGE INC | 56 | 6.563% | $620,000 | 6.4% |
| Paramount Residential Mortgage Group, Inc. | 56 | 6.625% | $510,000 | 1.8% |
| Umpqua Bank | 55 | 7.500% | $345,000 | 22.7% |
| HOMEXPRESS MORTGAGE CORP. | 55 | 6.999% | $695,000 | 37.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 55 | 6.750% | $565,000 | 9.8% |
| AMWEST FUNDING CORP. | 55 | 6.625% | $515,000 | 5.2% |
| FINANCE OF AMERICA REVERSE LLC | 54 | 6.750% | $435,000 | 11.3% |
| Morgan Stanley Private Bank, National Association | 54 | 6.100% | $825,000 | 8.3% |
| ALLIANT CREDIT UNION | 53 | 8.000% | $205,000 | 18.2% |
| Ameris Bank | 52 | 6.375% | $585,000 | 0.0% |
| Patelco Credit Union | 50 | 8.000% | $105,000 | 18.2% |
| TRIAD FINANCIAL SERVICES, INC. | 49 | 8.670% | $195,000 | 18.1% |
| PREMIER LENDING, INC. | 46 | 6.375% | $565,000 | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 45 | 6.625% | $515,000 | 28.6% |
| NATIONSTAR MORTGAGE LLC | 45 | 8.375% | $125,000 | 23.0% |
| OriginPoint, LLC | 45 | 6.875% | $665,000 | 6.3% |
| Sierra Pacific Mortgage Company, Inc. | 44 | 6.688% | $510,000 | 8.2% |
| FIGURE LENDING LLC | 43 | 9.000% | $125,000 | 30.3% |
| Bank of Marin | 42 | Not published | $155,000 | 25.0% |
| Charles Schwab Bank, SSB | 40 | 5.650% | $850,000 | 8.9% |
| AHL FUNDING | 39 | 6.625% | $585,000 | 2.5% |
| OCMBC, INC. | 38 | 7.000% | $540,000 | 27.9% |
| Third Federal Savings and Loan Association of Cleveland | 37 | 6.990% | $155,000 | 28.3% |
| NEXERA HOLDING LLC | 37 | 7.375% | $545,000 | 2.6% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 36 | 6.750% | $540,000 | 10.0% |
| FREEDOM MORTGAGE CORPORATION | 35 | 6.000% | $525,000 | 8.7% |
| LONGBRIDGE FINANCIAL, LLC | 35 | 6.250% | $325,000 | 6.7% |
| EVERETT FINANCIAL, INC. | 34 | 6.625% | $635,000 | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 33 | 6.625% | $575,000 | 0.0% |
| Navy Federal Credit Union | 31 | 7.750% | $145,000 | 39.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 31 | 6.125% | $445,000 | 15.8% |
| BETTER MORTGAGE CORPORATION | 28 | 7.000% | $400,000 | 44.0% |
| INSPIRE HOME LOANS INC. | 28 | 6.125% | $625,000 | 8.1% |
| Fremont Bank | 28 | 8.250% | $290,000 | 23.7% |
| JMAC LENDING, INC. | 28 | 6.125% | $610,000 | 6.7% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 28 | 7.250% | $145,000 | 6.1% |
| Coastal Community Bank | 25 | 9.740% | $105,000 | 5.7% |
| UNION HOME MORTGAGE CORP. | 25 | 6.375% | $545,000 | 6.5% |
| DHI MORTGAGE COMPANY, LTD. | 24 | 5.933% | $595,000 | 7.4% |
| NexBank | 23 | 6.375% | $625,000 | 10.7% |
| Plains Commerce Bank | 23 | 6.625% | $625,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 22 | 7.953% | $115,000 | 24.1% |
| GTE Federal Credit Union | 22 | 8.750% | $115,000 | 18.5% |
| LAKEVIEW LOAN SERVICING, LLC | 21 | 6.125% | $525,000 | 61.0% |
| AmeriSave Mortgage Corporation | 21 | 8.500% | $75,000 | 67.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 21 | 6.125% | $475,000 | 16.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 21 | 6.500% | $355,000 | 4.6% |
| QUORUM FEDERAL CREDIT UNION | 21 | 8.875% | $195,000 | 7.4% |
| THE GOLDEN 1 | 20 | 7.750% | $180,000 | 44.4% |
| SCHOOLSFIRST | 20 | 5.370% | $155,000 | 4.8% |
| Citadel Servicing Corporation | 19 | 7.375% | $495,000 | 0.0% |
| Kiavi Funding, Inc. | 19 | 9.500% | $485,000 | 4.6% |
| Stifel Bank and Trust | 19 | 5.875% | $785,000 | 0.0% |
| Mortgage Research Center, LLC | 18 | 6.058% | $595,000 | 30.8% |
| A&D Mortgage LLC | 18 | 6.490% | $495,000 | 30.8% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 18 | 10.420% | $165,000 | 18.2% |
| FIRST COLONY MORTGAGE CORPORATION | 17 | 6.375% | $555,000 | 0.0% |
| PNC Bank, National Association | 16 | 6.500% | $630,000 | 34.6% |
| Citibank, National Association | 16 | 5.625% | $1,155,000 | 26.1% |
| SAN FRANCISCO FIRE CREDIT UNION | 16 | Not published | $435,000 | 5.3% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 16 | 5.875% | $440,000 | 5.9% |
| MISSION LOANS, LLC | 15 | 7.250% | $365,000 | 0.0% |
| Exchange Bank | 15 | Not published | $1,005,000 | 31.8% |
| PENTAGON FEDERAL CREDIT UNION | 14 | 7.563% | $135,000 | 30.0% |
| CHAMPIONS FUNDING, LLC | 13 | 8.375% | $625,000 | 40.9% |
| Citizens Bank, National Association | 13 | 5.625% | $1,205,000 | 7.1% |
| CLEAREDGE LENDING LLC | 13 | 7.750% | $745,000 | 13.3% |
| First Bridge Funding, Inc. | 13 | 9.990% | $545,000 | 0.0% |
| Flagstar Bank, N.A. | 12 | 6.540% | $465,000 | 47.8% |
| PACIFIC SERVICE CREDIT UNION | 12 | 7.500% | $95,000 | 12.5% |
| UBS Bank USA | 12 | 5.750% | $980,000 | 0.0% |
| RESICENTRAL, LLC | 12 | 6.308% | $470,000 | 7.7% |
| DEEPHAVEN MORTGAGE LLC | 11 | 7.125% | $535,000 | 50.0% |
| Commerce Home Mortgage, Inc. | 11 | 7.990% | $545,000 | 8.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 11 | 6.000% | $625,000 | 14.3% |
| Tri Counties Bank | 11 | 6.750% | $255,000 | 21.4% |
| Lendage, LLC | 11 | 10.000% | $65,000 | 8.3% |
| VISTA POINT MORTGAGE, LLC | 11 | 7.250% | $365,000 | 7.7% |
| JMJ FINANCIAL GROUP | 11 | 8.125% | $1,025,000 | 0.0% |
| NORTH BAY Credit Union | 10 | 8.625% | $155,000 | 26.7% |
| SUMMIT FUNDING, INC. | 10 | 6.933% | $670,000 | 9.1% |
| FRANKLIN LOAN CORPORATION | 10 | 6.558% | $525,000 | 0.0% |
| 21st Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 69.7% |
| Hometown Equity Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 47.1% |
| HomeTrust Bank | 9 | Under 10 loans | Under 10 loans | 40.0% |
| NMSI, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 37.5% |
| STAR ONE Credit Union | 8 | Under 10 loans | Under 10 loans | 23.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| GOLDEN EMPIRE MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| THE POLICE Credit Union | 8 | Under 10 loans | Under 10 loans | 11.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| First-Citizens Bank & Trust Company | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 36.4% |
| FlexPoint, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Valon Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 20.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 11.1% |
| Provident Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 254900YZ174H294JW398 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| STANFORD Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 89.6% |
| Zions Bancorporation, N.A. | 5 | Under 10 loans | Under 10 loans | 12.5% |
| San Mateo Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Mechanics Bank | 5 | Under 10 loans | Under 10 loans | 25.0% |
| LENDSURE MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| ZILLOW HOME LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Axos Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TRAVIS CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 64.3% |
| Logan Finance Corporation | 4 | Under 10 loans | Under 10 loans | 37.5% |
| Truist Bank | 4 | Under 10 loans | Under 10 loans | 66.7% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First National Bank of America | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| INFINITY EQUITY GROUP, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| LAND HOME FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GENWAY HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CORNERSTONE CAPITAL BANK, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AAA CAPITAL INVESTMENT, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MACKILLIE INCORPORATED | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 66.7% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 72.7% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 62.5% |
| AMERITRUST MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 11.1% |
| GOOGAIN, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GoodLeap, LLC | 3 | Under 10 loans | Under 10 loans | 42.9% |
| SOUTH RIVER MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Farm Credit Mid-America | 3 | Under 10 loans | Under 10 loans | 40.0% |
| BAY | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NEW WAVE LENDING GROUP INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CHEVRON Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 1ST UNITED SERVICES CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Firefighters First Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LANTZMAN MANAGEMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PARTNERS Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 77.8% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 199 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Sonoma County
92 FDIC-insured branches from 14 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Exchange Bank | 16 | $2.7 billion |
| JPMorgan Chase Bank, National Association | 13 | $2.3 billion |
| Wells Fargo Bank, National Association | 11 | $4.8 billion |
| Westamerica Bank | 9 | $650.8 million |
| BMO Bank National Association | 8 | $527.8 million |
| Bank of America, National Association | 7 | $2.0 billion |
| Poppy Bank | 6 | $3.5 billion |
| Columbia Bank | 5 | $372.4 million |
| Bank of Marin | 5 | $355.1 million |
| Summit State Bank | 4 | $846.1 million |
| U.S. Bank National Association | 3 | $397.8 million |
| WaFd Bank | 2 | $1.1 billion |
| Mechanics Bank | 2 | $71.4 million |
| Tri Counties Bank | 1 | $36.0 million |
Closed since the 2025 survey
3 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Mechanics Bank, 201 3rd St, Santa Rosa
- Summit State Bank, 2300 Midway Dr, Santa Rosa
- Wells Fargo Bank, National Association, 1799 Marlow Rd, Santa Rosa
Get told when this changes
When the next year’s lending figures are out for Sonoma County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.