Mortgage Lenders and Brokers in Sonoma, California
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Sonoma, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA501 Broadway, Sonoma, CA 95476A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.500 Broadway, Sonoma, CA 95476A+5.0 ★Texas Ratio: 2.85%, Bank of America NABank of America NA35 W Napa St, Sonoma, CA 95476A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA480 W Napa St, Sonoma, CA 95476A+5.0 ★Texas Ratio: 5.36%, Bank of MarinBank of Marin136 W Napa St, Sonoma, CA 95476A+5.0 ★Texas Ratio: 2.03%, BMO Harris Bank NABMO Harris Bank NA201 W Napa St, Sonoma, CA 95476A+5.0 ★Texas Ratio: 3.54%, Mechanics BankMechanics Bank10 Maple St, Sonoma, CA 95476A+5.0 ★Texas Ratio: 1.81%, Redwood Credit UnionRedwood Credit Union500 W Napa St, Sonoma, CA 95476A+5.0 ★Texas Ratio: 4.20%, Citizens Bank, NACitizens Bank, NA750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941A+5.0 ★Texas Ratio: 5.44%, and Axos BankAxos Bank4350 La Jolla Village Dr, San Diego, CA 92122A+5.0 ★Texas Ratio: 3.94%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Sonoma, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sonoma are listed first, then lenders elsewhere in California, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Sonoma, California
Market share is the lender's share of all home loans closed in Sonoma, California. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Sonoma 501 Broadway, Sonoma, CA 95476 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 11 +1 HELOCs |
5.7% | 78.6% | $1,663,181 | View |
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1 office in Sonoma 500 Broadway, Sonoma, CA 95476 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 10 +5 HELOCs |
5.2% | 71.4% | $1,389,000 | View |
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1 office in Sonoma 35 W Napa St, Sonoma, CA 95476 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 7 +9 HELOCs |
3.6% | 100% | $1,232,142 | View |
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1 office in Sonoma 480 W Napa St, Sonoma, CA 95476 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 7 | 3.6% | 77.8% | $1,627,857 | View |
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★ 2 stars, 1 review 1 office in Sonoma 136 W Napa St, Sonoma, CA 95476 A+5.0 ★Texas Ratio: 2.03% |
Conventional | 2 | 1% | 66.7% | $155,000 | View |
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1 office in Sonoma 201 W Napa St, Sonoma, CA 95476 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo, HELOC | 1 +3 HELOCs |
0.5% | 100% | $1,055,000 | View |
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1 office in Sonoma 10 Maple St, Sonoma, CA 95476 A+5.0 ★Texas Ratio: 1.81% |
Conventional, Jumbo | 1 | 0.5% | 100% | $1,305,000 | View |
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500 W Napa St, Sonoma, CA 95476 A+5.0 ★Texas Ratio: 4.20% |
Conventional, Jumbo, HELOC | 21 +21 HELOCs |
10.9% | 80.8% | $752,619 | View |
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750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo | 2 | 1% | 100% | $1,720,000 | View |
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4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94% |
Conventional, Jumbo | 2 | 1% | 100% | $2,385,000 | View |
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★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
Conventional, Jumbo | 2 | 1% | 66.7% | $1,085,000 | View |
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2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $835,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.5% | 50% | $455,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional | 1 | 0.5% | 100% | $255,000 | |
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901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57% |
Conventional | 1 | 0.5% | 100% | $745,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional | 1 | 0.5% | 100% | $715,000 | View |
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5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo | 1 | 0.5% | 100% | $5,005,000 | View |
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1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
Conventional, Jumbo | 1 | 0.5% | 100% | $905,000 | View |
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14866 Olympic Dr, Clearlake, CA 95422 A5.0 ★Texas Ratio: 8.05% |
Conventional | 1 | 0.5% | 100% | $145,000 | View |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 1 | 0.5% | 100% | $5,005,000 | View |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
JMJ Financial Group Inc.
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Conventional, Jumbo | 11 | 5.7% | 100% | $1,028,636 | |
Pennymac Loan Services LLC
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Conventional, Jumbo | 4 | 2.1% | 100% | $937,500 | |
Nexera Holding LLC
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Conventional, Jumbo | 3 | 1.6% | 100% | $935,000 | |
Guild Mortgage Company
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Conventional | 2 | 1% | 100% | $355,000 | |
Citadel Servicing Corporation
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Conventional, Jumbo | 2 | 1% | 100% | $1,190,000 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 1% | 100% | $575,000 | |
Network Capital Funding Corporation
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VA | 1 | 0.5% | 100% | $715,000 | |
Stg Mortgage Inc
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Conventional | 1 | 0.5% | 100% | $635,000 | |
Land Home Financial Services,
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Conventional | 1 | 0.5% | 100% | $475,000 | |
The Police Credit Union of California
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Conventional | 1 | 0.5% | 100% | $305,000 | |
ClearEdge Lending LLC
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Conventional | 1 | 0.5% | 100% | $625,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
CrossCountry Mortgage, LLC
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Conventional, Jumbo | 18 | 9.3% | 100% | $881,111 | |
Rocket Mortgage
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Conventional, Jumbo | 15 | 7.8% | 75% | $464,333 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, Jumbo, HELOC | 13 +2 HELOCs |
6.7% | 100% | $851,923 | |
United Wholesale Mortgage
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Conventional, Jumbo, HELOC | 8 +1 HELOCs |
4.1% | 88.9% | $726,250 | |
Originpoint, LLC
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Conventional, Jumbo | 5 | 2.6% | 83.3% | $831,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 4 | 2.1% | 80% | $1,392,500 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 2 | 1% | 100% | $505,000 | |
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A+5.0 ★Texas Ratio: 4.32% |
Conventional, Jumbo | 2 | 1% | 100% | $1,730,000 | View |
Everett Financial, Inc.
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Conventional | 2 | 1% | 100% | $340,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 2 | 1% | 100% | $880,000 | View |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 2 | 1% | 100% | $1,515,000 | View |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 100% | $105,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 100% | $245,000 | |
Freedom Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $895,000 | |
Newrez LLC
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Conventional | 1 | 0.5% | 100% | $265,000 | |
Nbkc Bank
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Conventional, Jumbo | 1 | 0.5% | 100% | $2,865,000 | |
Valon Mortgage
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Conventional | 1 | 0.5% | 100% | $625,000 | |
Service Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $625,000 | |
Beeline Loans, Inc.
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Conventional | 1 | 0.5% | 100% | $505,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.5% | 100% | $805,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.5% | 100% | $55,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.5% | 100% | $515,000 | View |
Keystone Funding, Inc
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Conventional | 1 | 0.5% | 100% | $705,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $635,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.5% | 100% | $755,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.5% | 100% | $895,000 | View |
Village Capital & Investment
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FHA | 1 | 0.5% | 100% | $935,000 | |
Quorum Federal Credit Union
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Sonoma Mortgage Rate Trends
Daily average mortgage rates for California compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Sonoma, California
Looking for mortgage lenders near me or mortgage brokers near me in Sonoma? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Sonoma in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Sonoma, CA
Use these to narrow the list above. Each category shows how many Sonoma, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Sonoma, CA
Independent mortgage companies closed 52.3 percent of home loans in Sonoma, California in 2025, banks 33.2 percent and credit unions 14.5 percent. Synergy One Lending, Inc. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Redwood Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 7 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in California. County documentary transfer tax of $1.10 per $1,000 (0.11 percent), with many cities adding their own transfer tax (for example San Francisco and Los Angeles at much higher rates); no mortgage recording tax.
More California Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Sonoma, CA
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Sonoma, California with 11 loans, about 5.7 percent of the market. The largest lender headquartered in California was Bank of America NA with 7 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
3 lenders closed FHA loans in Sonoma, California in 2025, led by New American Funding, LLC. with 1. 2 lenders closed VA loans, led by Network Capital Funding Corporation. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 25 banks and 13 credit unions closed home loans in Sonoma, California in 2025, alongside 28 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Sonoma, California during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Sonoma, California for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Sonoma. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
