Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Sonoma County, California
Every institution that decided a 1–4 unit mortgage application in Sonoma County, home to Santa Rosa, between 2023 and 2025: 23,604 applications, 18,291 loans actually funded, across 8 kinds of borrowing.
Sonoma County at a glance
23,604Applications decided
2023–2025
18,291Loans funded
77% of decisions
121Census tracts
24 ZIP codes
485,642People
ACS 2023
What the data shows
The typical purchase mortgage here is $595K.
Investment home improvement is the hardest money to get here: lenders approved 64% of 333 applications.
Lending by loan type in Sonoma County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 91.3% | 10,305 | $595K | 94% | 336 |
| Home improvement loans | 73.2% | 3,862 | $105K | 93% | 111 |
| Cash-out refinance | 72.2% | 3,797 | $135K | 96% | 215 |
| Refinance | 79.6% | 2,689 | $555K | 94% | 233 |
| Investment property purchase | 91.3% | 1,430 | $545K | 96% | 196 |
| Investment cash-out refinance | 73.9% | 624 | $355K | 93% | 135 |
| Investment refinance | 65.4% | 564 | $525K | 92% | 125 |
| Investment home improvement | 63.7% | 333 | $115K | 94% | 52 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.