Mortgage lending in Sonoma County
7,918 mortgages were originated in Sonoma County, California, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 7,918
- Median rate
- 6.875%
- Median lender fees
- $6,757
- Median loan amount
- $435,000
- Median spread over APOR
- 0.405
- Paid discount points
- 30.8%
- Received lender credits
- 26.3%
- Purchases / refinances
- 44.7% / 33.5%
- Conventional / FHA / VA
- 91.4% / 6.4% / 2.2%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 67.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $897,000
- FHA limit
- $897,000
This is a high-cost area: loans above $832,750 are still agency-backed here, as high-balance, where a plain conforming loan would stop. How limits work
Who lent here
Lenders with at least 50 loans in Sonoma County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| REDWOOD | 1,419 | $2,936 | 8.000% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 659 | $7,437 | 6.500% |
| Rocket Mortgage, LLC | 558 | $5,011 | 6.750% |
| CROSSCOUNTRY MORTGAGE, INC. | 249 | $8,666 | 6.875% |
| NEWREZ LLC | 229 | $6,580 | 6.750% |
| U.S. Bank National Association | 166 | $5,123 | 6.500% |
| GUILD MORTGAGE COMPANY | 152 | $8,213 | 6.625% |
| Bank of America, National Association | 151 | $6,605 | 5.990% |
| Broker Solutions, Inc. | 143 | $7,807 | 6.933% |
| PENNYMAC LOAN SERVICES, LLC | 141 | $6,462 | 6.624% |
What lenders charged here
Lender fees on a $435,000 loan, based on what was actually charged in Sonoma County — not a rule of thumb.
From 5,353 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers