Mortgage Lenders and Brokers in Sonora, 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
Sonora, California mortgage lenders include Columbia BankColumbia Bank13775 Mono Way, Sonora, CA 95370A+5.0 ★Texas Ratio: 2.28%, Bank of StocktonBank of Stockton549 S Washington St, Sonora, CA 95370A+5.0 ★Texas Ratio: 0.21%, Bank of America NABank of America NA180 S Washington St, Sonora, CA 95370A+5.0 ★Texas Ratio: 4.14%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Flagstar Bank NAFlagstar Bank NA10474 Rancho Rd, Adelanto, CA 92301D3.3 ★Texas Ratio: 35.11%, Synergy One Lending, Inc.Synergy One Lending, Inc.9600 Ming Ave Ste 146, Bakersfield, CA 93311, Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%, 1st UNITED CREDIT UNION1st UNITED CREDIT UNION2680 5th St Ste A, Alameda, CA 94501A+5.0 ★Texas Ratio: 1.28%, El Dorado Savings BankEl Dorado Savings Bank1227 Oak Ct, Arnold, CA 95223A+5.0 ★Texas Ratio: 0.41%, and Pacific Service Credit UnionPacific Service Credit Union840 Herndon Ave, Clovis, CA 93612A+5.0 ★Texas Ratio: 1.59%. 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 Sonora, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sonora 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 Sonora, California
Market share is the lender's share of all home loans closed in Sonora, 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 Sonora 13775 Mono Way, Sonora, CA 95370 A+5.0 ★Texas Ratio: 2.28% |
Conventional | 2 | 2.6% | 100% | $155,000 | View |
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1 office in Sonora 549 S Washington St, Sonora, CA 95370 A+5.0 ★Texas Ratio: 0.21% |
Conventional | 2 | 2.6% | 50% | $190,000 | View |
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1 office in Sonora 180 S Washington St, Sonora, CA 95370 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 2 +1 HELOCs |
2.6% | 100% | $235,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 1.3% | 100% | $465,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional | 1 | 1.3% | 100% | $335,000 | |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
VA | 1 | 1.3% | 100% | $305,000 | View |
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2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28% |
Conventional | 1 | 1.3% | 100% | $65,000 | View |
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1227 Oak Ct, Arnold, CA 95223 A+5.0 ★Texas Ratio: 0.41% |
Conventional | 1 | 1.3% | 100% | $85,000 | View |
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840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
Conventional | 1 | 1.3% | 100% | $45,000 | View |
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1809 HOLMES ST, LIVERMORE, CA 94550 A+5.0 ★Texas Ratio: 5.51% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
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 | |
Generations Home Loans, LLC
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Conventional, FHA | 3 | 3.9% | 100% | $258,333 | |
Kind Lending, LLC
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Conventional, FHA | 2 | 2.6% | 66.7% | $420,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, FHA | 2 | 2.6% | 100% | $290,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 1.3% | 100% | $55,000 | |
American Financial Network, Inc.
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FHA | 1 | 1.3% | 50% | $405,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 1 | 1.3% | 100% | $105,000 | |
loanDepot.com LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Fairway Independent Mort Corp
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Conventional, FHA, VA | 15 | 19.7% | 93.8% | $318,333 | |
United Wholesale Mortgage
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Conventional, FHA | 14 | 18.4% | 82.4% | $345,000 | |
Rocket Mortgage
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Conventional, FHA | 6 | 7.9% | 54.5% | $241,666 | |
HomeBridge Financial Services, Inc
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Conventional, FHA, HELOC | 2 +1 HELOCs |
2.6% | 100% | $455,000 | |
Movement Mortgage, LLC
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Conventional | 2 | 2.6% | 100% | $405,000 | |
The Loan Store, Inc
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Conventional, HELOC | 1 +2 HELOCs |
1.3% | 50% | $525,000 | |
Primary Residential Mortgage, INC.
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Conventional | 1 | 1.3% | 100% | $215,000 | |
Servion
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Conventional | 1 | 1.3% | 100% | $425,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 1.3% | 50% | $105,000 | |
Newrez LLC
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Conventional | 1 | 1.3% | 33.3% | $325,000 | |
Nfm, Inc
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Conventional | 1 | 1.3% | 100% | $355,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 1.3% | 100% | $385,000 | View |
Planet Home Lending, LLC
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Conventional | 1 | 1.3% | 100% | $75,000 | |
Nationstar Mortgage
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Conventional | 1 | 1.3% | 100% | $45,000 | |
Better Mortgage Corporation
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Conventional | 1 | 1.3% | 100% | $85,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 1.3% | 100% | $435,000 | View |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 1.3% | 100% | $65,000 | View |
Spring Eq, LLC
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Conventional | 1 | 1.3% | 50% | $65,000 | |
Leaderone Financial Corp.
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FHA | 1 | 1.3% | 100% | $415,000 | |
Village Capital & Investment
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VA | 1 | 1.3% | 100% | $275,000 | |
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a |
Sonora 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 Sonora, California
Looking for mortgage lenders near me or mortgage brokers near me in Sonora? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Sonora in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Sonora, CA
Use these to narrow the list above. Each category shows how many Sonora, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Sonora, CA
Independent mortgage companies closed 82.9 percent of home loans in Sonora, California in 2025, banks 14.5 percent and credit unions 2.6 percent. Synergy One Lending, Inc. was the largest mortgage company, Columbia Bank the largest bank and 1st UNITED CREDIT UNION the largest credit union. Among lenders headquartered in California, Bank of Stockton led with 2 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 Sonora, CA
By home loans closed in 2025, Columbia Bank was the largest mortgage lender in Sonora, California with 2 loans, about 2.6 percent of the market. The largest lender headquartered in California was Bank of Stockton with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
9 lenders closed FHA loans in Sonora, California in 2025, led by Fairway Independent Mort Corp with 6. 3 lenders closed VA loans, led by Sun West Mortgage Company, Inc. 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. 9 banks and 5 credit unions closed home loans in Sonora, 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 Sonora, 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 Sonora, 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 Sonora. 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.
