Home purchase lenders in Sonoma County
3,541 home purchase mortgages were made in Sonoma County, California, in 2025, by 282 lenders. The median rate their borrowers got was 6.625% on a median loan of $585,000. Of 4,086 decisions, 321 were denials — 7.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 349 | 6.624% | $595,000 | 8.7% |
| REDWOOD | 315 | 6.375% | $545,000 | 7.4% |
| Rocket Mortgage, LLC | 226 | 6.500% | $575,000 | 8.8% |
| NEWREZ LLC | 150 | 6.813% | $545,000 | 1.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 143 | 6.875% | $635,000 | 0.7% |
| GUILD MORTGAGE COMPANY | 123 | 6.625% | $525,000 | 1.5% |
| Broker Solutions, Inc. | 94 | 6.813% | $555,000 | 1.1% |
| PENNYMAC LOAN SERVICES, LLC | 82 | 6.625% | $600,000 | 9.9% |
| JPMorgan Chase Bank, National Association | 76 | 6.125% | $770,000 | 11.5% |
| THE LOAN STORE, INC. | 72 | 6.490% | $545,000 | 0.0% |
| U.S. Bank National Association | 71 | 6.250% | $705,000 | 2.7% |
| GUARANTEED RATE, INC. | 65 | 6.625% | $605,000 | 3.0% |
| GUARANTEED RATE AFFINITY, LLC | 65 | 6.575% | $535,000 | 2.9% |
| KIND LENDING, LLC | 63 | 6.625% | $585,000 | 11.1% |
| Synergy One Lending, Inc. | 62 | 6.625% | $670,000 | 1.6% |
| Wells Fargo Bank, National Association | 58 | 6.125% | $830,000 | 17.1% |
| Loandepot.Com, LLC | 55 | 6.375% | $655,000 | 5.2% |
| MORTGAGEONE, INC. | 52 | 6.875% | $635,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 48 | 8.670% | $195,000 | 18.1% |
| CMG MORTGAGE, INC. | 43 | 6.500% | $555,000 | 2.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 41 | 6.750% | $655,000 | 4.7% |
| STG MORTGAGE INC | 40 | 6.500% | $615,000 | 4.4% |
| Paramount Residential Mortgage Group, Inc. | 39 | 6.625% | $515,000 | 0.0% |
| PREMIER LENDING, INC. | 38 | 6.558% | $550,000 | 0.0% |
| OriginPoint, LLC | 37 | 6.875% | $705,000 | 5.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | 35 | 6.625% | $545,000 | 2.8% |
| Bank of America, National Association | 34 | 5.933% | $745,000 | 15.0% |
| Sierra Pacific Mortgage Company, Inc. | 31 | 6.750% | $545,000 | 6.1% |
| AMWEST FUNDING CORP. | 29 | 6.500% | $575,000 | 0.0% |
| Ameris Bank | 29 | 6.625% | $595,000 | 0.0% |
| INSPIRE HOME LOANS INC. | 28 | 6.125% | $625,000 | 8.1% |
| Morgan Stanley Private Bank, National Association | 28 | 6.125% | $795,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 27 | 6.625% | $635,000 | 0.0% |
| OCMBC, INC. | 27 | 6.500% | $535,000 | 16.7% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 25 | 6.750% | $545,000 | 10.7% |
| DHI MORTGAGE COMPANY, LTD. | 24 | 5.933% | $595,000 | 7.4% |
| ALAMEDA MORTGAGE CORPORATION | 24 | 6.875% | $580,000 | 0.0% |
| COMMUNITY FIRST CREDIT UNION | 24 | 7.500% | $170,000 | 4.0% |
| Umpqua Bank | 23 | 6.750% | $735,000 | 7.7% |
| AHL FUNDING | 23 | 6.625% | $645,000 | 4.2% |
| JMAC LENDING, INC. | 23 | 6.125% | $625,000 | 4.2% |
| HOMEXPRESS MORTGAGE CORP. | 19 | 6.999% | $715,000 | 29.6% |
| Plains Commerce Bank | 19 | 6.750% | $615,000 | 0.0% |
| Kiavi Funding, Inc. | 18 | 9.700% | $470,000 | 4.8% |
| Charles Schwab Bank, SSB | 18 | 5.663% | $750,000 | 5.3% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 17 | 6.250% | $345,000 | 0.0% |
| Citadel Servicing Corporation | 16 | 7.438% | $490,000 | 0.0% |
| BMO Bank National Association | 16 | 6.313% | $1,020,000 | 0.0% |
| NexBank | 15 | 6.375% | $675,000 | 0.0% |
| NEXERA HOLDING LLC | 15 | 7.125% | $785,000 | 0.0% |
| Mortgage Research Center, LLC | 14 | 6.058% | $655,000 | 12.5% |
| UNION HOME MORTGAGE CORP. | 13 | 6.375% | $505,000 | 13.3% |
| FIRST COLONY MORTGAGE CORPORATION | 13 | 6.375% | $555,000 | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 13 | 5.750% | $435,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 10 | 6.563% | $675,000 | 16.7% |
| Citibank, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| RESICENTRAL, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 27.8% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Navy Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Exchange Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| UBS Bank USA | 7 | Under 10 loans | Under 10 loans | 0.0% |
| THE GOLDEN 1 | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FRANKLIN LOAN CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 75.9% |
| Commerce Home Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Patelco Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MISSION LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| 254900YZ174H294JW398 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First Bridge Funding, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 25.0% |
| ALLIANT CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SCHOOLSFIRST | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| JMJ FINANCIAL GROUP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 55.6% |
| ONY GLO, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| INFINITY EQUITY GROUP, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NORTH BAY Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Provident Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 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% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Tri Counties Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GENWAY HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SAN FRANCISCO FIRE CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NATIONSTAR MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHEVRON Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENNAR MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Dart Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Pinnacle Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Marin | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOOGAIN, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fremont Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE CAPITAL PARTNERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MACKILLIE INCORPORATED | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Five Star Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Vellum Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE POLICE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Zions Bancorporation, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GEO-CORP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings and Loan Association of San Rafael | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NuVision Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| San Mateo Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COASTAL FUNDING SLC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hanmi Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| East West Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Bridge Funding, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| F&A Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ML Mortgage Corp. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST STANDARD FINANCIAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 82 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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. 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.