Sonora Mortgage Rates
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Sonora averaged
5.81%
for the week of 2022-06-30, compared to the national average of
5.7% for the same period.
The average rate for the prior week (2022-06-23) was
5.82% and
one month ago for the week of 2022-05-26, the
average rate was 5.01%.
Sonora's average rate one year ago was 3.39%.
For refis of the same type during the week of 2022-06-30, the average rate
was 5.89%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-06-30 | 5.7% |
| Sonora 30 Year Fixed Rate | 2022-06-30 | 5.81% |
| Sonora 30 Year Fixed Rate Refi | 2022-06-30 | 5.89% |
| Sonora 15 Year Fixed Rate | 2022-06-30 | 5.17% |
| Sonora 15 Year Fixed Rate Refi | 2022-06-30 | 5.1% |
| Sonora 30 Year FHA | 2022-06-30 | 5.42% |
| Sonora 30 Year FHA Refi | 2022-06-30 | 5.72% |
| Sonora 30 Year USDA | 2022-06-30 | 5.56% |
| Sonora 30 Year USDA Refi | 2022-06-30 | 6.27% |
| Sonora 30 Year VA | 2022-06-30 | 5.76% |
| Sonora 30 Year VA Refi | 2022-06-30 | 5.3% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Sonora, CA.
Sonora Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the Sonora, CA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Sonora, CA's 193 lenders originated 3,467
loans during 2021. The total origination value was $965,195,000, with an average loan value of
$278,395.
The top Sonora lender as defined by loan originations is QUICKEN LOANS, LLC, with
297 loans originated. Their average total fees are
$4,416, which is $494
higher than the next largest lender,
FAIRWAY INDEPENDENT MORTGAGE CORPORATION.
The lowest fee Sonora lenders (with over 10 loans originated) are
Fremont Bank ($1,685), BETTER MORTGAGE CORPORATION ($2,338), NETWORK CAPITAL FUNDING CORPORATION ($2,856), Wells Fargo Bank ($3,284) and NEWREZ LLC ($3,418).
The lowest rate Sonora lenders (with over 10 loans originated) are
AMERISAVE MORTGAGE CORPORATION (2.70%), El Dorado Savings Bank, F.S.B. (2.84%), BETTER MORTGAGE CORPORATION (2.92%), U.S. Bank (2.93%) and UNITED WHOLESALE MORTGAGE, LLC (2.94%).
Sonora, CA Lender Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2020 Loan Value | 2021 Loan Value | % Change | 2021 Market Share |
|---|---|---|---|---|
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $105,105,000 | $126,580,000 | 20.4% | 13.1% |
| QUICKEN LOANS, LLC | $101,570,000 | $123,005,000 | 21.1% | 12.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $62,985,000 | $73,415,000 | 16.6% | 7.6% |
| HOME POINT FINANCIAL CORPORATION | $19,605,000 | $31,630,000 | 61.3% | 3.3% |
| LOANDEPOT.COM, LLC | $20,820,000 | $29,210,000 | 40.3% | 3.0% |
| Wells Fargo Bank | $36,180,000 | $29,110,000 | -19.5% | 3.0% |
| FREEDOM MORTGAGE CORPORATION | $36,665,000 | $22,655,000 | -38.2% | 2.3% |
| Loan Simple, Inc. | $5,450,000 | $20,340,000 | 273.2% | 2.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $21,260,000 | $18,295,000 | -13.9% | 1.9% |
| Umpqua Bank | $15,595,000 | $17,545,000 | 12.5% | 1.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $21,360,000 | $17,370,000 | -18.7% | 1.8% |
| GUARANTEED RATE, INC. | $6,245,000 | $14,140,000 | 126.4% | 1.5% |
| CALIBER HOME LOANS, INC. | $16,900,000 | $13,145,000 | -22.2% | 1.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $7,635,000 | $12,830,000 | 68.0% | 1.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $7,900,000 | $12,710,000 | 60.9% | 1.3% |
| PENNYMAC LOAN SERVICES, LLC | $7,155,000 | $12,480,000 | 74.4% | 1.3% |
| Bank of America | $14,145,000 | $11,125,000 | -21.4% | 1.2% |
| BROKER SOLUTIONS, INC. | $4,515,000 | $11,110,000 | 146.1% | 1.2% |
| JPMorgan Chase Bank | $7,785,000 | $10,670,000 | 37.1% | 1.1% |
| NEWREZ LLC | $6,025,000 | $10,395,000 | 72.5% | 1.1% |
| Flagstar Bank, FSB | $8,835,000 | $9,930,000 | 12.4% | 1.0% |
| FINANCE OF AMERICA MORTGAGE LLC | $12,555,000 | $9,775,000 | -22.1% | 1.0% |
| LAKEVIEW LOAN SERVICING, LLC | $5,790,000 | $9,725,000 | 68.0% | 1.0% |
| U.S. Bank | $8,545,000 | $9,565,000 | 11.9% | 1.0% |
| GUILD MORTGAGE COMPANY | $4,125,000 | $9,095,000 | 120.5% | 0.9% |
| BETTER MORTGAGE CORPORATION | $4,695,000 | $8,595,000 | 83.1% | 0.9% |
| ACADEMY MORTGAGE CORPORATION | $9,370,000 | $8,190,000 | -12.6% | 0.8% |
| Fremont Bank | $8,355,000 | $8,005,000 | -4.2% | 0.8% |
| AMERISAVE MORTGAGE CORPORATION | $5,375,000 | $7,655,000 | 42.4% | 0.8% |
| El Dorado Savings Bank, F.S.B. | $7,105,000 | $7,655,000 | 7.7% | 0.8% |
| Sierra Pacific Mortgage Company, Inc. | $6,875,000 | $7,560,000 | 10.0% | 0.8% |
| MEGASTAR FINANCIAL CORP. | $6,335,000 | $7,465,000 | 17.8% | 0.8% |
| SUMMIT FUNDING, INC. | $3,905,000 | $5,785,000 | 48.1% | 0.6% |
| STEARNS LENDING, LLC | $3,605,000 | $5,745,000 | 59.4% | 0.6% |
| Barrington Bank & Trust Company, N.A. | $8,010,000 | $5,615,000 | -29.9% | 0.6% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $3,100,000 | $5,310,000 | 71.3% | 0.6% |
| IMPAC MORTGAGE CORP. | $2,920,000 | $5,265,000 | 80.3% | 0.5% |
| CMG MORTGAGE, INC. | $2,980,000 | $5,085,000 | 70.6% | 0.5% |
| Bank of Stockton | $1,655,000 | $5,000,000 | 202.1% | 0.5% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $6,670,000 | $5,000,000 | -25.0% | 0.5% |
| AMERICAN FINANCIAL NETWORK, INC. | $6,850,000 | $4,970,000 | -27.4% | 0.5% |
| Mortgage Research Center, LLC | $4,125,000 | $4,755,000 | 15.3% | 0.5% |
| Bank of the West | $2,225,000 | $3,945,000 | 77.3% | 0.4% |
| NETWORK CAPITAL FUNDING CORPORATION | $2,065,000 | $3,845,000 | 86.2% | 0.4% |
| Paramount Residential Mortgage Group, Inc. | $2,275,000 | $3,840,000 | 68.8% | 0.4% |
| VILLAGE CAPITAL & INVESTMENT LLC | $1,340,000 | $3,735,000 | 178.7% | 0.4% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $4,710,000 | $3,625,000 | -23.0% | 0.4% |
| S1L, Inc. | $3,730,000 | $3,575,000 | -4.2% | 0.4% |
| Carrington Mortgage Services, LLC | $2,400,000 | $3,275,000 | 36.5% | 0.3% |
| PNC Bank | $560,000 | $3,275,000 | 484.8% | 0.3% |
| SCENIC OAKS FUNDING, INC. | $3,160,000 | $3,215,000 | 1.7% | 0.3% |
| WINNPOINTE CORPORATION | $1,090,000 | $2,995,000 | 174.8% | 0.3% |
| Ally Bank | $665,000 | $2,855,000 | 329.3% | 0.3% |
| Commerce Home Mortgage, Inc. | $4,965,000 | $2,655,000 | -46.5% | 0.3% |
| CHURCHILL MORTGAGE CORPORATION | $1,085,000 | $2,650,000 | 144.2% | 0.3% |
| Farmers & Merchants Bank of Central California | $560,000 | $2,560,000 | 357.1% | 0.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $2,365,000 | $2,495,000 | 5.5% | 0.3% |
| Strong Home Mortgage, LLC | $1,060,000 | $2,485,000 | 134.4% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $3,330,000 | $2,260,000 | -32.1% | 0.2% |
| AMERICAN INTERNET MORTGAGE, INC. | $1,375,000 | $2,230,000 | 62.2% | 0.2% |
| USAA Federal Savings Bank | $5,290,000 | $2,200,000 | -58.4% | 0.2% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $1,615,000 | $2,155,000 | 33.4% | 0.2% |
| BAY EQUITY LLC | $2,650,000 | $2,070,000 | -21.9% | 0.2% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $1,860,000 | $2,050,000 | 10.2% | 0.2% |
| LENDUS, LLC | $3,090,000 | $2,045,000 | -33.8% | 0.2% |
| LOANPAL, LLC | $2,660,000 | $2,030,000 | -23.7% | 0.2% |
| AMWEST FUNDING CORP. | $1,330,000 | $2,015,000 | 51.5% | 0.2% |
| AMERICAN ADVISORS GROUP | $390,000 | $1,945,000 | 398.7% | 0.2% |
| Citibank | $1,375,000 | $1,790,000 | 30.2% | 0.2% |
| MOUNTAIN WEST FINANCIAL, INC. | $2,805,000 | $1,785,000 | -36.4% | 0.2% |
| Provident Credit Union | $930,000 | $1,780,000 | 91.4% | 0.2% |
| Hometown Equity Mortgage, LLC | $420,000 | $1,740,000 | 314.3% | 0.2% |
| Nations Lending Corporation | $2,325,000 | $1,735,000 | -25.4% | 0.2% |
| THE GOLDEN 1 | $1,180,000 | $1,735,000 | 47.0% | 0.2% |
| PATELCO | $2,045,000 | $1,720,000 | -15.9% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $2,315,000 | $1,715,000 | -25.9% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $3,390,000 | $1,710,000 | -49.6% | 0.2% |
| STAR ONE CREDIT UNION | $1,355,000 | $1,700,000 | 25.5% | 0.2% |
| Morgan Stanley Private Bank | $1,690,000 | n/a | 0.2% | |
| GUARANTEED RATE AFFINITY, LLC | $1,355,000 | $1,680,000 | 24.0% | 0.2% |
| Watermark Capital, Inc. | $1,465,000 | $1,680,000 | 14.7% | 0.2% |
| NATIONS DIRECT MORTGAGE, LLC | $1,125,000 | $1,660,000 | 47.6% | 0.2% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $2,385,000 | $1,605,000 | -32.7% | 0.2% |
| CHERRY CREEK MORTGAGE, LLC | $1,525,000 | $1,595,000 | 4.6% | 0.2% |
| CASTLE & COOKE MORTGAGE, LLC | $1,570,000 | n/a | 0.2% | |
| SCHOOLSFIRST | $875,000 | $1,570,000 | 79.4% | 0.2% |
| First Guaranty Mortgage Corporation | $2,555,000 | $1,550,000 | -39.3% | 0.2% |
| ENVOY MORTGAGE, LTD | $450,000 | $1,450,000 | 222.2% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $1,430,000 | $1,445,000 | 1.0% | 0.1% |
| InterContinental Capital Group, Inc | $1,095,000 | $1,435,000 | 31.1% | 0.1% |
| RANLIFE, INC. | $1,405,000 | n/a | 0.1% | |
| PACIFIC SERVICE | $1,175,000 | $1,385,000 | 17.9% | 0.1% |
| LADERA LENDING, INC. | $540,000 | $1,340,000 | 148.1% | 0.1% |
| ZILLOW HOME LOANS, LLC | $805,000 | $1,340,000 | 66.5% | 0.1% |
| PLANET HOME LENDING, LLC | $1,360,000 | $1,320,000 | -2.9% | 0.1% |
| The Federal Savings Bank | $2,090,000 | $1,315,000 | -37.1% | 0.1% |
| MUFG Union Bank | $1,760,000 | $1,285,000 | -27.0% | 0.1% |
| Magnolia Bank | $1,180,000 | n/a | 0.1% | |
| NEW DAY FINANCIAL, LLC | $795,000 | $1,165,000 | 46.5% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $835,000 | $1,155,000 | 38.3% | 0.1% |
| Stifel Bank and Trust | $1,145,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $155,000 | $1,105,000 | 612.9% | 0.1% |
| DIGNIFIED HOME LOANS, LLC | $640,000 | $1,075,000 | 68.0% | 0.1% |
| PREMIER LENDING, INC. | $655,000 | $1,005,000 | 53.4% | 0.1% |
| BBVA USA | $2,315,000 | $980,000 | -57.7% | 0.1% |
| North American Savings Bank, F.S.B. | $980,000 | n/a | 0.1% | |
| Kwik Mortgage Corporation | $975,000 | n/a | 0.1% | |
| REVERSE MORTGAGE FUNDING LLC | $290,000 | $955,000 | 229.3% | 0.1% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $900,000 | $950,000 | 5.6% | 0.1% |
| UBS Bank USA | $915,000 | n/a | 0.1% | |
| MEGA CAPITAL FUNDING, INC. | $1,415,000 | $905,000 | -36.0% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $685,000 | $900,000 | 31.4% | 0.1% |
| Golden Empire Mortgage, Inc. | $1,925,000 | $895,000 | -53.5% | 0.1% |
| Valley First Credit Union | $890,000 | n/a | 0.1% | |
| FBC MORTGAGE, LLC | $620,000 | $885,000 | 42.7% | 0.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $1,070,000 | $880,000 | -17.8% | 0.1% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $875,000 | n/a | 0.1% | |
| LAND HOME FINANCIAL SERVICES, INC. | $1,255,000 | $860,000 | -31.5% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $3,050,000 | $855,000 | -72.0% | 0.1% |
| GOOGAIN, INC. | $165,000 | $845,000 | 412.1% | 0.1% |
| Operating Engineers Local Union #3 | $1,620,000 | $835,000 | -48.5% | 0.1% |
| SAN FRANCISCO FIRE CREDIT UNION | $680,000 | $830,000 | 22.1% | 0.1% |
| AMERICAN FINANCING CORPORATION | $330,000 | $825,000 | 150.0% | 0.1% |
| FirstBank | $205,000 | $810,000 | 295.1% | 0.1% |
| INTELLILOAN, INC. | $520,000 | $805,000 | 54.8% | 0.1% |
| FOUR POINTS | $775,000 | n/a | 0.1% | |
| First Savings Bank | $760,000 | n/a | 0.1% | |
| Northpointe Bank | $550,000 | $730,000 | 32.7% | 0.1% |
| OCMBC, INC. | $580,000 | $725,000 | 25.0% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $550,000 | $720,000 | 30.9% | 0.1% |
| Hometown Lenders, Inc. | $715,000 | n/a | 0.1% | |
| CELEBRITY HOME LOANS, LLC | $990,000 | $705,000 | -28.8% | 0.1% |
| Murphy Bank | $125,000 | $680,000 | 444.0% | 0.1% |
| Firefighters First Federal Credit Union | $905,000 | $630,000 | -30.4% | 0.1% |
| SEA WEST COAST GUARD FEDERAL CREDIT UNION | $435,000 | $630,000 | 44.8% | 0.1% |
| TECHNOLOGY | $240,000 | $610,000 | 154.2% | 0.1% |
| Truist Bank | $610,000 | n/a | 0.1% | |
| 21ST MORTGAGE CORPORATION | $65,000 | $605,000 | 830.8% | 0.1% |
| Equity Prime Mortgage LLC | $825,000 | $600,000 | -27.3% | 0.1% |
| Citizens Bank | $570,000 | n/a | 0.1% | |
| COLONIAL MORTGAGE SERVICE COMPANY OF AMERICA | $545,000 | n/a | 0.1% | |
| ONY GLO, INC. | $545,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $540,000 | n/a | 0.1% | |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $530,000 | n/a | 0.1% | |
| Victorian Finance, LLC | $525,000 | n/a | 0.1% | |
| CHEVRON | $520,000 | n/a | 0.1% | |
| LANTZMAN MANAGEMENT, INC. | $515,000 | n/a | 0.1% | |
| Paramount Bank | $515,000 | n/a | 0.1% | |
| SOVEREIGN LENDING GROUP INCORPORATED | $1,140,000 | $510,000 | -55.3% | 0.1% |
| First Republic Bank | $505,000 | n/a | 0.1% | |
| JMAC LENDING, INC. | $745,000 | $500,000 | -32.9% | 0.1% |
| PHH Mortgage Corporation | $1,560,000 | $490,000 | -68.6% | 0.1% |
| EVERETT FINANCIAL, INC. | $1,610,000 | $480,000 | -70.2% | 0.0% |
| SPRING EQ, LLC | $635,000 | $480,000 | -24.4% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $475,000 | n/a | 0.0% | |
| ALAMEDA MORTGAGE CORPORATION | $410,000 | $470,000 | 14.6% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $255,000 | $465,000 | 82.4% | 0.0% |
| GENEVA FINANCIAL, LLC | $445,000 | $465,000 | 4.5% | 0.0% |
| CLEARPATH LENDING | $2,440,000 | $460,000 | -81.1% | 0.0% |
| Quontic Bank | $460,000 | n/a | 0.0% | |
| ATHAS CAPITAL GROUP, INC. | $455,000 | n/a | 0.0% | |
| LOGIX FEDERAL CREDIT UNION | $375,000 | $445,000 | 18.7% | 0.0% |
| Mid-Continent Funding, Inc. | $445,000 | n/a | 0.0% | |
| SAFE CREDIT UNION | $440,000 | n/a | 0.0% | |
| Chickasaw Community Bank | $430,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $60,000 | $405,000 | 575.0% | 0.0% |
| Cf Bank | $185,000 | $395,000 | 113.5% | 0.0% |
| Financial Funding Solutions, Inc. | $385,000 | n/a | 0.0% | |
| Farmers Bank & Trust | $375,000 | n/a | 0.0% | |
| Premier Valley Bank | $375,000 | n/a | 0.0% | |
| CALCULATED RISK ANALYTICS LLC | $195,000 | $365,000 | 87.2% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $205,000 | $365,000 | 78.0% | 0.0% |
| Tri Counties Bank | $285,000 | $360,000 | 26.3% | 0.0% |
| CUSTOMER SERVICE MORTGAGE CORPORATION | $355,000 | n/a | 0.0% | |
| GSF Mortgage Corporation | $355,000 | n/a | 0.0% | |
| MORIA DEVELOPMENT, INC. | $245,000 | $355,000 | 44.9% | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | $355,000 | n/a | 0.0% | |
| KeyBank | $485,000 | $345,000 | -28.9% | 0.0% |
| The Home Loan Expert LLC | $345,000 | n/a | 0.0% | |
| LENDERFI, INC. | $265,000 | $340,000 | 28.3% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $280,000 | $340,000 | 21.4% | 0.0% |
| 1ST NORTHERN CALIFORNIA | $215,000 | $315,000 | 46.5% | 0.0% |
| DIRECT MORTGAGE, CORP. | $6,145,000 | $315,000 | -94.9% | 0.0% |
| GUARANTY HOME MORTGAGE CORPORATION | $315,000 | n/a | 0.0% | |
| LONG BEACH CITY EMPLOYEES Federal Credit Union | $315,000 | n/a | 0.0% | |
| Willamette Valley Bank | $315,000 | n/a | 0.0% | |
| SOFI LENDING CORP. | $255,000 | $310,000 | 21.6% | 0.0% |
| AXIA FINANCIAL, LLC | $305,000 | n/a | 0.0% | |
| BNC National Bank | $1,340,000 | $305,000 | -77.2% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $305,000 | n/a | 0.0% | |
| NP, Inc. | $305,000 | n/a | 0.0% | |
| USE Credit Union | $670,000 | $305,000 | -54.5% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $1,345,000 | $295,000 | -78.1% | 0.0% |
| Plains Commerce Bank | $295,000 | n/a | 0.0% | |
| First Federal Bank | $815,000 | $285,000 | -65.0% | 0.0% |
| HOME APPROVALS DIRECT, INC. | $285,000 | n/a | 0.0% | |
| Residential Mortgage Solutions, Inc. | $235,000 | $285,000 | 21.3% | 0.0% |
| Sunflower Bank | $285,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,595,000 | $275,000 | -82.8% | 0.0% |
| DIRECTORS MORTGAGE, INC. | $275,000 | n/a | 0.0% | |
| MK LENDING CORP. | $275,000 | n/a | 0.0% | |
| BEST CAPITAL FUNDING | $265,000 | n/a | 0.0% | |
| CIVIC FINANCIAL SERVICES, LLC | $265,000 | n/a | 0.0% | |
| KINECTA | $265,000 | n/a | 0.0% | |
| MORTGAGEONE, INC. | $265,000 | n/a | 0.0% | |
| OPEN MORTGAGE, LLC | $265,000 | n/a | 0.0% | |
| PremierOne Credit Union | $265,000 | n/a | 0.0% | |
| UNITED MORTGAGE CORP. | $135,000 | $265,000 | 96.3% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $265,000 | n/a | 0.0% | |
| WESTCOAST MORTGAGE GROUP AND REALTY COMPANY | $265,000 | n/a | 0.0% | |
| CANOPY MORTGAGE, LLC | $245,000 | $255,000 | 4.1% | 0.0% |
| KEYPOINT | $1,080,000 | $255,000 | -76.4% | 0.0% |
| Constant Investments, Inc. | $245,000 | n/a | 0.0% | |
| Low VA Rates, LLC | $245,000 | n/a | 0.0% | |
| MID AMERICA MORTGAGE, INC. | $710,000 | $245,000 | -65.5% | 0.0% |
| ML Mortgage Corp. | $245,000 | n/a | 0.0% | |
| MORTGAGE CAPITAL PARTNERS, INC. | $245,000 | n/a | 0.0% | |
| Colten Mortgage, LLC | $235,000 | n/a | 0.0% | |
| General Mortgage Capital Corporation | $145,000 | $235,000 | 62.1% | 0.0% |
| JMJ FINANCIAL GROUP | $235,000 | $235,000 | 0.0% | 0.0% |
| KD CAPITAL MORTGAGE CORPORATION | $315,000 | $235,000 | -25.4% | 0.0% |
| VERITAS FUNDING, LLC | $235,000 | n/a | 0.0% | |
| American Mortgage & Equity Consultants, Inc. | $245,000 | $225,000 | -8.2% | 0.0% |
| EAGLE HOME MORTGAGE, LLC | $225,000 | n/a | 0.0% | |
| FIRST U.S. COMMUNITY CREDIT UNION | $225,000 | n/a | 0.0% | |
| GoPrime Mortgage, Inc. | $225,000 | n/a | 0.0% | |
| PARTNERS | $225,000 | n/a | 0.0% | |
| PREMIER AMERICA | $225,000 | n/a | 0.0% | |
| Arvest Bank | $375,000 | $215,000 | -42.7% | 0.0% |
| CITIZENS EQUITY FIRST | $215,000 | n/a | 0.0% | |
| Franklin Loan Corporation | $420,000 | $215,000 | -48.8% | 0.0% |
| MERIWEST MORTGAGE COMPANY, LLC | $980,000 | $205,000 | -79.1% | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,325,000 | $195,000 | -85.3% | 0.0% |
| UNITED | $195,000 | n/a | 0.0% | |
| Wyndham Capital Mortgage, Inc. | $1,655,000 | $195,000 | -88.2% | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | $470,000 | $185,000 | -60.6% | 0.0% |
| Advisors Mortgage Group, L.L.C. | $185,000 | n/a | 0.0% | |
| Citadel Servicing Corporation | $260,000 | $185,000 | -28.8% | 0.0% |
| City National Bank | $215,000 | $185,000 | -14.0% | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $185,000 | $185,000 | 0.0% | 0.0% |
| Amerifirst Financial, Inc. | $730,000 | $175,000 | -76.0% | 0.0% |
| BECKAM FUNDING CORP. | $175,000 | n/a | 0.0% | |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $155,000 | $175,000 | 12.9% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $175,000 | n/a | 0.0% | |
| OAKTREE FUNDING CORP. | $175,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP. | $175,000 | n/a | 0.0% | |
| ALL REVERSE MORTGAGE, INC. | $165,000 | n/a | 0.0% | |
| COUNTRY CLUB MORTGAGE, INC. | $165,000 | n/a | 0.0% | |
| EMBRACE HOME LOANS, INC. | $165,000 | n/a | 0.0% | |
| SACRAMENTO Credit Union | $165,000 | n/a | 0.0% | |
| UNCLE Credit Union | $735,000 | $165,000 | -77.6% | 0.0% |
| Figure Lending LLC | $145,000 | $160,000 | 10.3% | 0.0% |
| Axos Bank | $1,400,000 | $155,000 | -88.9% | 0.0% |
| First Bank | $570,000 | $155,000 | -72.8% | 0.0% |
| PARKSIDE LENDING, LLC | $575,000 | $155,000 | -73.0% | 0.0% |
| STANFORD Federal Credit Union | $995,000 | $155,000 | -84.4% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $205,000 | $155,000 | -24.4% | 0.0% |
| Wheatland Bank | $155,000 | n/a | 0.0% | |
| Bank of Idaho | $135,000 | n/a | 0.0% | |
| Century Mortgage Company DBA Century Lending Company | $135,000 | n/a | 0.0% | |
| Colonial Savings, F.A. | $135,000 | n/a | 0.0% | |
| Evolve Bank & Trust | $520,000 | $135,000 | -74.0% | 0.0% |
| NMSI, INC. | $1,145,000 | $125,000 | -89.1% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $25,000 | $125,000 | 400.0% | 0.0% |
| REDWOOD | $490,000 | $125,000 | -74.5% | 0.0% |
| Comerica Bank | $105,000 | n/a | 0.0% | |
| MERIWEST | $155,000 | $100,000 | -35.5% | 0.0% |
| Financial Partners Credit Union | $245,000 | $75,000 | -69.4% | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | $65,000 | n/a | 0.0% | |
| TCF National Bank | $415,000 | $65,000 | -84.3% | 0.0% |
| Discover Bank | $90,000 | $55,000 | -38.9% | 0.0% |
| Home Loan Investment Bank, F.S.B. | $25,000 | n/a | 0.0% | |
| MOCSE Federal Credit Union | $25,000 | n/a | 0.0% |
Sonora's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 13.1% market share. In second place, with 12.7%, is QUICKEN LOANS, LLC, having originated $123,005,000 in loans. In third place, with 7.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $73,415,000 in loans. In third place, with 3.3%, is HOME POINT FINANCIAL CORPORATION, having originated $31,630,000 in loans. In third place, with 3.0%, is LOANDEPOT.COM, LLC, having originated $29,210,000 in loans.
Sonora, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Refi | 1,318 | $339,850,000 | $257,853 |
| Home Purchase | 1,230 | $392,050,000 | $318,740 |
| Cash Out Refi | 815 | $213,245,000 | $261,650 |
| Home Improvement | 62 | $10,370,000 | $167,258 |
| Other | 39 | $9,165,000 | $235,000 |
| NA | 3 | $515,000 | $171,667 |
Sonora's most frequently cited loan purpose was Refi, with 1,318 originations. The 2nd most popular reason was Home Purchase, with 1,230 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 1,608 | $458,860,000 | $285,361 |
| 3-4% | 1,106 | $308,570,000 | $278,996 |
| <2.5% | 616 | $161,650,000 | $262,419 |
| 4-5% | 69 | $18,245,000 | $264,420 |
| 5-6% | 19 | $3,495,000 | $183,947 |
| 6-7% | 12 | $2,040,000 | $170,000 |
| Over 8% | 9 | $1,155,000 | $128,333 |
| 7-8% | 6 | $1,340,000 | $223,333 |
During 2021, Sonora's most frequently originated rate bucket was 2.5-3%, with 1,608 originations.
Loan Sizing (Sonora, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 2,150 | $609,000,000 | $283,256 |
| $100k-200k | 768 | $121,200,000 | $157,813 |
| $400k-600k | 387 | $182,695,000 | $472,080 |
| $100,000 or less | 109 | $6,685,000 | $61,330 |
| $600k-1000k | 48 | $35,240,000 | $734,167 |
| $Over $1MM | 5 | $10,375,000 | $2,075,000 |
Sonora's loan sizing saw the bucket of loans from $200k-400k with 2,150 originations, totaling $609,000,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 1,287 | $396,255,000 | $307,890 |
| 80-100% | 933 | $299,065,000 | $320,541 |
| 40-60% | 760 | $178,960,000 | $235,474 |
| 20-40% | 268 | $42,370,000 | $158,097 |
| Under 20% | 66 | $4,140,000 | $62,727 |
| Over 100% | 15 | $5,215,000 | $347,667 |
Sonora's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 1,287 originations, totaling $396,255,000 in origination value.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Sonora (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $325,000 (3.2%) | $404,178 (2.6%) | 0.00 | 341 |
| 2018-02-01 | $329,000 (8.1%) | $415,369 (4.4%) | 0.00 | 328 |
| 2018-03-01 | $329,950 (4.7%) | $415,676 (3.2%) | 0.00 | 341 |
| 2018-04-01 | $345,000 (6.2%) | $431,601 (8.2%) | 0.00 | 353 |
| 2018-05-01 | $362,000 (10.7%) | $450,374 (10.6%) | 0.00 | 400 |
| 2018-06-01 | $365,888 (11.2%) | $449,395 (9.1%) | 0.00 | 451 |
| 2018-07-01 | $349,950 (7.7%) | $438,782 (12.1%) | 0.00 | 529 |
| 2018-08-01 | $349,475 (7.5%) | $440,721 (12.3%) | 0.00 | 570 |
| 2018-09-01 | $349,000 (9.4%) | $432,121 (8.7%) | 0.00 | 593 |
| 2018-10-01 | $342,500 (8.0%) | $423,314 (3.6%) | 0.00 | 586 |
| 2018-11-01 | $349,000 (12.9%) | $421,496 (4.8%) | 0.00 | 546 |
| 2018-12-01 | $335,000 (8.4%) | $412,556 (3.9%) | 0.00 | 505 |
| 2019-01-01 | $349,000 (7.4%) | $430,180 (6.4%) | 0.00 | 406 |
| 2019-02-01 | $345,773 (5.1%) | $431,341 (3.9%) | 0.00 | 392 |
| 2019-03-01 | $345,429 (4.7%) | $443,286 (6.6%) | 0.00 | 417 |
| 2019-04-01 | $350,000 (1.5%) | $457,740 (6.1%) | 0.00 | 473 |
| 2019-05-01 | $359,450 (-0.7%) | $458,391 (1.8%) | 0.00 | 571 |
| 2019-06-01 | $375,000 (2.5%) | $460,356 (2.4%) | 0.00 | 642 |
| 2019-07-01 | $368,000 (5.2%) | $447,646 (2.0%) | 0.00 | 724 |
| 2019-08-01 | $361,714 (3.5%) | $444,784 (0.9%) | 0.00 | 754 |
| 2019-09-01 | $360,000 (3.2%) | $440,319 (1.9%) | 0.00 | 746 |
| 2019-10-01 | $362,443 (5.8%) | $440,922 (4.2%) | 0.00 | 691 |
| 2019-11-01 | $359,000 (2.9%) | $442,433 (5.0%) | 0.00 | 640 |
| 2019-12-01 | $352,475 (5.2%) | $451,576 (9.5%) | 0.00 | 547 |
| 2020-01-01 | $349,475 (0.1%) | $452,430 (5.2%) | 0.00 | 429 |
| 2020-02-01 | $359,000 (3.8%) | $467,142 (8.3%) | 0.00 | 407 |
| 2020-03-01 | $374,500 (8.4%) | $465,928 (5.1%) | 0.00 | 428 |
| 2020-04-01 | $359,450 (2.7%) | $448,807 (-2.0%) | 0.00 | 404 |
| 2020-05-01 | $359,000 (-0.1%) | $459,190 (0.2%) | 0.00 | 388 |
| 2020-06-01 | $382,200 (1.9%) | $477,688 (3.8%) | 0.00 | 374 |
| 2020-07-01 | $382,700 (4.0%) | $486,231 (8.6%) | 0.00 | 357 |
| 2020-08-01 | $424,700 (17.4%) | $511,999 (15.1%) | 0.00 | 283 |
| 2020-09-01 | $405,000 (12.5%) | $593,253 (34.7%) | 0.00 | 279 |
| 2020-10-01 | $399,900 (10.3%) | $588,230 (33.4%) | 0.00 | 283 |
| 2020-11-01 | $415,000 (15.6%) | $537,780 (21.6%) | 0.00 | 251 |
| 2020-12-01 | $427,000 (21.1%) | $546,628 (21.1%) | 0.00 | 224 |
| 2021-01-01 | $450,000 (28.8%) | $588,905 (30.2%) | 0.00 | 189 |
| 2021-02-01 | $464,950 (29.5%) | $604,218 (29.3%) | 0.00 | 150 |
| 2021-03-01 | $474,950 (26.8%) | $574,820 (23.4%) | 0.00 | 146 |
| 2021-04-01 | $469,450 (30.6%) | $556,702 (24.0%) | 0.00 | 170 |
| 2021-05-01 | $440,000 (22.6%) | $534,943 (16.5%) | 0.00 | 205 |
| 2021-06-01 | $450,000 (17.7%) | $541,990 (13.5%) | 0.00 | 220 |
| 2021-07-01 | $450,000 (17.6%) | $548,532 (12.8%) | 0.00 | 234 |
| 2021-08-01 | $430,000 (1.3%) | $524,351 (2.4%) | 0.00 | 257 |
| 2021-09-01 | $432,000 (6.7%) | $522,137 (-12.0%) | 0.00 | 275 |
| 2021-10-01 | $427,000 (6.8%) | $528,491 (-10.2%) | 0.00 | 293 |
| 2021-11-01 | $450,000 (8.4%) | $560,470 (4.2%) | 0.00 | 264 |
| 2021-12-01 | $479,800 (12.4%) | $586,712 (7.3%) | 0.00 | 209 |
| 2022-01-01 | $489,500 (8.8%) | $619,837 (5.3%) | 0.00 | 141 |
| 2022-02-01 | $487,250 (4.8%) | $628,239 (4.0%) | 0.00 | 123 |
| 2022-03-01 | $499,500 (5.2%) | $615,692 (7.1%) | 0.00 | 155 |
| 2022-04-01 | $495,000 (5.4%) | $609,890 (9.6%) | 0.00 | 181 |
| 2022-05-01 | $482,000 (9.6%) | $1,694,818 (216.8%) | 0.00 | 252 |
| 2022-06-01 | $469,975 (4.4%) | $576,702 (6.4%) | 0.00 | 307 |
Sonora's median listing price for 2022-06-01 was $469,975, a difference of
$19,975
(4.4%) versus the prior year and
$-12,025 versus the prior month.
Sonora's median listing price comes in at 0% of the national average.
Sonora's average listing price for 2022-06-01 was $576,702, a difference of $34,712 (6.4%) versus the prior year and $-1,118,116 versus the prior month.
For the 2022-06-01 period, Sonora had 307 MLS listings, a difference of 55 listings (22%) versus the prior month and 87 listings (40%) versus the prior year.
Sonora's median listing price comes in at 0% of the national average.
Sonora's average listing price for 2022-06-01 was $576,702, a difference of $34,712 (6.4%) versus the prior year and $-1,118,116 versus the prior month.
For the 2022-06-01 period, Sonora had 307 MLS listings, a difference of 55 listings (22%) versus the prior month and 87 listings (40%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Sonora (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,748 sqft |
| 2018-02-01 | 0 days | 1,764 sqft |
| 2018-03-01 | 0 days | 1,782 sqft |
| 2018-04-01 | 0 days | 1,830 sqft |
| 2018-05-01 | 0 days | 1,889 sqft |
| 2018-06-01 | 0 days | 1,944 sqft |
| 2018-07-01 | 0 days | 1,860 sqft |
| 2018-08-01 | 0 days | 1,806 sqft |
| 2018-09-01 | 0 days | 1,801 sqft |
| 2018-10-01 | 0 days | 1,780 sqft |
| 2018-11-01 | 0 days | 1,800 sqft |
| 2018-12-01 | 0 days | 1,764 sqft |
| 2019-01-01 | 0 days | 1,814 sqft |
| 2019-02-01 | 0 days | 1,796 sqft |
| 2019-03-01 | 0 days | 1,827 sqft |
| 2019-04-01 | 0 days | 1,874 sqft |
| 2019-05-01 | 0 days | 1,869 sqft |
| 2019-06-01 | 0 days | 1,884 sqft |
| 2019-07-01 | 0 days | 1,834 sqft |
| 2019-08-01 | 0 days | 1,847 sqft |
| 2019-09-01 | 0 days | 1,861 sqft |
| 2019-10-01 | 0 days | 1,873 sqft |
| 2019-11-01 | 0 days | 1,875 sqft |
| 2019-12-01 | 0 days | 1,870 sqft |
| 2020-01-01 | 0 days | 1,856 sqft |
| 2020-02-01 | 0 days | 1,874 sqft |
| 2020-03-01 | 0 days | 1,865 sqft |
| 2020-04-01 | 0 days | 1,853 sqft |
| 2020-05-01 | 0 days | 1,848 sqft |
| 2020-06-01 | 0 days | 1,888 sqft |
| 2020-07-01 | 0 days | 1,860 sqft |
| 2020-08-01 | 0 days | 1,884 sqft |
| 2020-09-01 | 0 days | 1,842 sqft |
| 2020-10-01 | 0 days | 1,830 sqft |
| 2020-11-01 | 0 days | 1,836 sqft |
| 2020-12-01 | 0 days | 1,842 sqft |
| 2021-01-01 | 0 days | 1,892 sqft |
| 2021-02-01 | 0 days | 1,851 sqft |
| 2021-03-01 | 0 days | 1,889 sqft |
| 2021-04-01 | 0 days | 1,946 sqft |
| 2021-05-01 | 0 days | 1,899 sqft |
| 2021-06-01 | 0 days | 1,898 sqft |
| 2021-07-01 | 0 days | 1,835 sqft |
| 2021-08-01 | 0 days | 1,776 sqft |
| 2021-09-01 | 0 days | 1,781 sqft |
| 2021-10-01 | 0 days | 1,758 sqft |
| 2021-11-01 | 0 days | 1,858 sqft |
| 2021-12-01 | 0 days | 1,909 sqft |
| 2022-01-01 | 0 days | 1,922 sqft |
| 2022-02-01 | 0 days | 1,874 sqft |
| 2022-03-01 | 0 days | 1,923 sqft |
| 2022-04-01 | 0 days | 1,844 sqft |
| 2022-05-01 | 0 days | 1,803 sqft |
| 2022-06-01 | 0 days | 1,808 sqft |
Sonora's median listing age (time on market) for 2022-06-01 was 0 days.
Sonora's median square footage for active listings during the 2022-06-01 period was 1,808 sqft. One year prior, the average listing was 1,898 sqft.
Sonora's median square footage for active listings during the 2022-06-01 period was 1,808 sqft. One year prior, the average listing was 1,898 sqft.
