Sonoma Federal Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, Sonoma Federal Credit Union of Santa Rosa, CA reported 640 mortgage applications totaling $121.1 million. The average application was for $189,140, and applicants reported an average income of $0. 24% of its applications resulted in an originated loan and 42% were denied.
| Mortgage Company & Address | Sonoma Federal Credit Union 917 College Ave Santa Rosa, CA 95404 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 |
| Total Number of Mortgage Applications | 640 |
| Total Mortgage Loan Application Amount | $121,050,000 |
| Average Mortgage Loan Application Amount | $189,140 |
| Highest Mortgage Loan Application Amount | $2,805,000 |
| Average Applicant Income | $0 |
| Highest Applicant Income | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Sonoma Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|
Mortgage Loan Application Detail Totals for Sonoma Federal Credit Union in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 399 | $82,885,000 | $207,000 | $2,805,000 | $0 | $0 |
| Other Purpose | 202 | $33,190,000 | $164,000 | $1,785,000 | $0 | $0 |
| Refinancing | 39 | $4,975,000 | $127,000 | $395,000 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 320 | $59,850,000 | $187,000 | $2,505,000 | $0 | $0 |
| Hispanic | 196 | $40,520,000 | $206,000 | $2,805,000 | $0 | $0 |
| Not Provided | 75 | $14,055,000 | $187,000 | $1,505,000 | $0 | $0 |
| Asian | 29 | $4,155,000 | $143,000 | $855,000 | $0 | $0 |
| Black or African American | 12 | $1,270,000 | $105,000 | $205,000 | $0 | $0 |
| American Indian or Alaskan Native | 5 | $515,000 | $103,000 | $235,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 3 | $685,000 | $228,000 | $355,000 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 640 | $121,050,000 | $189,000 | $2,805,000 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 271 | $44,165,000 | $162,000 | $1,305,000 | $0 | $0 |
| Application Approved But Not Accepted | 214 | $50,310,000 | $235,000 | $2,805,000 | $0 | $0 |
| Loan Originated | 155 | $26,575,000 | $171,000 | $1,505,000 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 369 | $76,885,000 | $208,000 | $2,805,000 | $0 | $0 |
| Debt-To-Income Ratio | 140 | $22,320,000 | $159,000 | $605,000 | $0 | $0 |
| Other | 80 | $15,900,000 | $198,000 | $1,305,000 | $0 | $0 |
| Credit History | 36 | $4,340,000 | $120,000 | $505,000 | $0 | $0 |
| Employment History | 7 | $915,000 | $130,000 | $185,000 | $0 | $0 |
| Collateral | 6 | $560,000 | $93,000 | $205,000 | $0 | $0 |
| Credit Application Incomplete | 2 | $130,000 | $65,000 | $105,000 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sonoma Federal Credit Union's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Sonoma Federal Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About