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refinance lenders · HMDA 2023–2025

Refinance lenders in Sonoma County, California

Fat Boy Data analyzed mortgage refinance activity in Sonoma County, California, home to Santa Rosa, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,689 applications were decided by 233 lenders between 2023 and 2025.

Sonoma County at a glance

233Active lenders34 with 20+ decisions
79.6%Market approval rate2,140 of 2,689 decided
$555KTypical loanmedian lender, $10K brackets
94%Borrower take-up2,014 loans funded

How Sonoma County compares

Approval rate compared
Sonoma County79.6%California76.7%All 616 counties76.5%
Typical loan compared
Sonoma County$555KCalifornia$655KAll 616 counties$295K

What the data shows

Rocket Mortgage, LLC made the most mortgage refinances in Sonoma County, CA, 152 of them.

Freedom Mortgage Corporation approved the highest share of applications among lenders with at least 20 decisions here, 100% of 36.

The typical mortgage refinance here is $555K, 15% smaller than the California typical of $655K.

Approval rate of all 34 lenders with 20+ decisions here
0%25%50%75%100%One lender: 21% approved of 38One lender: 46% approved of 26One lender: 48% approved of 58One lender: 57% approved of 21One lender: 60% approved of 43One lender: 62% approved of 21Bank of America, National Association: 63% approved of 133Redwood: 69% approved of 117One lender: 76% approved of 34One lender: 77% approved of 62One lender: 78% approved of 45One lender: 78% approved of 37One lender: 79% approved of 53One lender: 81% approved of 42One lender: 81% approved of 21Rocket Mortgage, LLC: 82% approved of 195One lender: 82% approved of 22One lender: 84% approved of 37One lender: 86% approved of 28One lender: 86% approved of 73Finance of America Reverse LLC: 87% approved of 76One lender: 88% approved of 59One lender: 88% approved of 34One lender: 89% approved of 45United Wholesale Mortgage, LLC: 89% approved of 371One lender: 90% approved of 20One lender: 90% approved of 21One lender: 91% approved of 33One lender: 95% approved of 59One lender: 95% approved of 21One lender: 97% approved of 37One lender: 100% approved of 36One lender: 100% approved of 24One lender: 100% approved of 22

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Refinance lenders in Sonoma County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only89%331 / 37198%$635K323
2Rocket Mortgage, LLC82%159 / 19596%$595K152
3Bank of America, National Association63%84 / 13399%$175K83
4Redwood69%81 / 11796%$165K78
5Finance of America Reverse LLC87%66 / 7698%$435K65

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.

Fat Boy found 228 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest mortgage refinance lenders in Sonoma County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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