Sonoma County
California · FIPS 06097
According to CFPB HMDA 2024 application volume among U.S. counties, Sonoma County ranks #229 of 3,210, and #18 of 58 in California.
Mortgage lending activity in Sonoma County, California based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Sonoma County, California saw 12,518 HMDA-reported mortgage applications in 2024. Lenders originated 6,716 of those loans and denied 1,848, producing a denial rate of 14.8% and an approval (origination) rate of 53.7%. The average loan amount was $508,879 at an average note rate of 7.43%, with applicants self-reporting average annual income of $39K. 331 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 13.0x, meaning typical borrowers took on mortgages of about 13.0 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Sonoma County
In Sonoma County, lead originator Redwood Credit Union funded 16.0% of 6,716 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 31.2% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Sonoma County's 12,518 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Sonoma County's $508,879 average loan (deduped against volume peers).
Lenders active in Sonoma County
Redwood Credit Union funded 1,072 of the 6,716 loans originated in Sonoma County, 16.0% of the county. 331 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Redwood Credit Union | 1,072 | 16.0% |
| 2 | United Wholesale Mortgage | 580 | 8.6% |
| 3 | Rocket Mortgage | 446 | 6.6% |
| 4 | Crosscountry Mortgage, LLC | 243 | 3.6% |
| 5 | Newrez LLC | 165 | 2.5% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Sonoma County borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Sonoma County page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.