Sonora Mortgage Rates & Closing Costs

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    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Sonora averaged 7.09% for the week of 2025-05-08, compared to the national average of 6.76% for the same period.

    The average rate for the prior week (2025-05-01) was 6.79% and one month ago for the week of 2025-04-03, the average rate was 6.77%.

    Sonora's average rate one year ago was 7.65%.

    For refis of the same type during the week of 2025-05-08, the average rate was 6.76%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-05-08 6.76%
    Sonora 30 Year Fixed Rate 2025-05-08 7.09%
    Sonora 30 Year Fixed Rate Refi 2025-05-08 6.76%
    Sonora 15 Year Fixed Rate 2025-05-08 5.89%
    Sonora 15 Year Fixed Rate Refi 2025-05-08 5.89%
    Sonora 30 Year FHA 2025-05-08 6.34%
    Sonora 30 Year FHA Refi 2025-05-08 6.58%
    Sonora 30 Year USDA 2025-05-08 6.27%
    Sonora 30 Year USDA Refi 2025-05-08 6.57%
    Sonora 30 Year VA 2025-05-08 6.27%
    Sonora 30 Year VA Refi 2025-05-08 6.37%
    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 lender, 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.).

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 94 7.08% $6,653
    QUICKEN LOANS, LLC 74 6.73% $7,201
    UNITED WHOLESALE MORTGAGE, LLC 65 6.83% $7,184
    GUILD MORTGAGE COMPANY 16 6.92% $8,076
    AMERICAN PACIFIC MORTGAGE CORPORATION 14 6.99% $8,335
    CROSSCOUNTRY MORTGAGE, LLC 11 7.44% $8,025
    Wells Fargo Bank 9 6.60% $5,003
    MASON MCDUFFIE MORTGAGE CORPORATION 9 7.06% $6,815
    The Loan Store, Inc. 8 6.98% $6,871
    PRIMARY RESIDENTIAL MORTGAGE, INC. 6 7.06% $8,447
    GUARANTEED RATE, INC. 5 6.94% $5,486
    U.S. Bank 5 6.77% $6,337
    PROVIDENT FUNDING ASSOCIATES, L.P. 5 6.73% $3,927
    Century Mortgage Company DBA Century Lending Company 5 7.02% $10,651
    JPMorgan Chase Bank 5 6.75% $5,971
    Flagstar Bank, FSB 5 6.69% $6,454
    Sierra Pacific Mortgage Company, Inc. 4 6.72% $6,828
    Morgan Stanley Private Bank 4 6.28% $4,624
    PENNYMAC LOAN SERVICES, LLC 4 6.72% $9,545
    BROKER SOLUTIONS, INC. 3 7.08% $8,600
    ALAMEDA MORTGAGE CORPORATION 3 7.25% $6,026
    Barrington Bank & Trust Company, N.A. 3 6.91% $4,413
    HOMEOWNERS FINANCIAL GROUP USA, LLC 3 6.63% $8,988
    LEADERONE FINANCIAL CORPORATION 3 7.17% $7,974
    LOANDEPOT.COM, LLC 3 6.32% $6,812
    Mr. Cooper ( Nationstar Mortgage ) 3 7.04% $6,798
    NAVY FEDERAL CREDIT UNION 3 6.17% $8,852
    SCENIC OAKS FUNDING, INC. 3 6.50% $6,284
    THE GOLDEN 1 3 6.67% $3,803
    LAND HOME FINANCIAL SERVICES, INC. 2 6.50% $5,474
    Hometown Equity Mortgage, LLC 2 7.88% $15,143
    CMG MORTGAGE, INC. 2 7.25% $7,811
    Golden Empire Mortgage, Inc. 2 6.19% $11,812
    Citibank 2 5.56% $6,906
    S1L, Inc. 2 6.75% $8,600
    MOVEMENT MORTGAGE, LLC 2 6.19% $2,879
    USAA Federal Savings Bank 2 7.31% $4,117
    Ally Bank 2 6.00% $8,717
    AMERISAVE MORTGAGE CORPORATION 1 6.88% $12,574
    Citadel Servicing Corporation 1 9.38% $3,353
    Charles Schwab Bank, SSB 1 6.30% $4,249
    AmeriHome Mortgage Company, LLC 1 7.63% $6,145
    NexBank 1 6.63% $13,516
    NFM, INC. 1 6.99% $9,133
    NMSI, INC. 1 6.88% $5,351
    Northpointe Bank 1 6.88% $3,810
    OCMBC, INC. 1 8.00% $14,579
    PACIFIC SERVICE 1 6.50% $3,297
    Paramount Residential Mortgage Group, Inc. 1 7.63% $6,906
    PATELCO 1 6.13% $4,158
    CANOPY MORTGAGE, LLC 1 6.88% $4,946
    PHH Mortgage Corporation 1 5.75% $13,161
    PLAZA HOME MORTGAGE, INC. 1 6.50% $6,037
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 7.38% $6,069
    A&D Mortgage LLC 1 5.88% $5,321
    Prosperity Home Mortgage, LLC 1 6.63% $4,705
    BMO Harris Bank 1 6.13% $7,897
    BETTER MORTGAGE CORPORATION 1 6.50% $3,100
    ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 7.13% $2,970
    ROYAL UNITED MORTGAGE LLC 1 7.50% $5,381
    SANDIA LABORATORY 1 6.38% $4,854
    San Mateo Credit Union 1 5.50% $3,697
    VERITAS FUNDING, LLC 1 7.13% $10,945
    Sierra Central Credit Union 1 6.88% $4,895
    Bank of Utah 1 6.00% $8,285
    STARBOARD FINANCIAL MANAGEMENT, LLC 1 6.38% $4,388
    STAR ONE CREDIT UNION 1 5.50% $3,235
    SUMMIT FUNDING, INC. 1 6.63% $7,071
    SUN WEST MORTGAGE COMPANY, INC. 1 7.38% $5,170
    The Federal Savings Bank 1 6.63% $3,154
    Bank of America 1 6.88% $4,731
    Tri Counties Bank 1 5.88% $3,860
    DIGNIFIED HOME LOANS, LLC 1 6.63% $4,968
    Farm Credit Mid-America, ACA 1 7.63% $8,210
    Fidelity Bank 1 6.88% $6,247
    Firefighters First Federal Credit Union 1 6.63% $3,577
    First Federal Bank 1 6.50% $5,233
    Commerce Home Mortgage, Inc. 1 8.25% $17,027
    General Mortgage Capital Corporation 1 6.62% $4,776
    FOUNDATION MORTGAGE CORPORATION 1 7.63% $12,334
    GOOGAIN, INC. 1 6.49% $2,616
    Greenbox Loans, Inc. 1 9.50% $20,516
    CITIZENS EQUITY FIRST 1 6.13% $3,710
    Umpqua Bank 1 7.25% $6,779
    HOMESIDE FINANCIAL, LLC 1 7.99% $11,437
    INTELLILOAN, INC. 1 7.63% $560
    JMJ FINANCIAL GROUP 1 5.99% $6,945
    UNCLE Credit Union 1 6.00% $4,875

    Sonora Average Closing Costs & Other Stats

    Sonora, CA's 88 lenders originated 961 loans during 2024. The total origination value was $265,205,000, with an average loan value of $275,968.

    Sonora's average closing costs are $5,702.

    The top Sonora lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 94 loans originated. Their average total fees are $6,653, which is $548 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Sonora lenders (with over 10 loans originated) are FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($6,653), UNITED WHOLESALE MORTGAGE, LLC ($7,184), QUICKEN LOANS, LLC ($7,201), CROSSCOUNTRY MORTGAGE, LLC ($8,025) and GUILD MORTGAGE COMPANY ($8,076).

    The lowest rate Sonora lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (6.73%), UNITED WHOLESALE MORTGAGE, LLC (6.83%), GUILD MORTGAGE COMPANY (6.92%), AMERICAN PACIFIC MORTGAGE CORPORATION (6.99%) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION (7.08%).

    Sonora, CA Mortgage 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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $49,380,000 $50,005,000 1.3% 18.9%
    UNITED WHOLESALE MORTGAGE, LLC $32,860,000 $43,385,000 32.0% 16.4%
    QUICKEN LOANS, LLC $22,955,000 $30,260,000 31.8% 11.4%
    AMERICAN PACIFIC MORTGAGE CORPORATION $6,505,000 $8,900,000 36.8% 3.4%
    CROSSCOUNTRY MORTGAGE, LLC $3,910,000 $6,985,000 78.6% 2.6%
    GUILD MORTGAGE COMPANY $1,545,000 $5,805,000 275.7% 2.2%
    The Loan Store, Inc. $1,655,000 $4,445,000 168.6% 1.7%
    Bank of America $5,120,000 $4,425,000 -13.6% 1.7%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $1,360,000 $4,305,000 216.5% 1.6%
    Century Mortgage Company DBA Century Lending Company $2,995,000 $4,190,000 39.9% 1.6%
    MASON MCDUFFIE MORTGAGE CORPORATION $2,615,000 $4,125,000 57.7% 1.6%
    Bank of Stockton $1,380,000 $3,355,000 143.1% 1.3%
    Morgan Stanley Private Bank $3,080,000 n/a 1.2%
    GUARANTEED RATE, INC. $1,115,000 $2,510,000 125.1% 0.9%
    PENNYMAC LOAN SERVICES, LLC $3,690,000 $2,355,000 -36.2% 0.9%
    BROKER SOLUTIONS, INC. $2,190,000 $2,330,000 6.4% 0.9%
    JPMorgan Chase Bank $2,335,000 $2,220,000 -4.9% 0.8%
    U.S. Bank $3,920,000 $2,210,000 -43.6% 0.8%
    Wells Fargo Bank $1,815,000 $2,160,000 19.0% 0.8%
    LOANDEPOT.COM, LLC $4,265,000 $2,130,000 -50.1% 0.8%
    Mortgage Research Center, LLC $1,065,000 $2,090,000 96.2% 0.8%
    NAVY FEDERAL CREDIT UNION $1,380,000 $2,005,000 45.3% 0.8%
    Sierra Pacific Mortgage Company, Inc. $830,000 $1,985,000 139.2% 0.7%
    LAKEVIEW LOAN SERVICING, LLC $760,000 $1,735,000 128.3% 0.7%
    Equity Prime Mortgage LLC $345,000 $1,625,000 371.0% 0.6%
    PNC Bank $3,230,000 $1,605,000 -50.3% 0.6%
    SUN WEST MORTGAGE COMPANY, INC. $1,060,000 $1,555,000 46.7% 0.6%
    Flagstar Bank, FSB $3,105,000 $1,515,000 -51.2% 0.6%
    Umpqua Bank $1,210,000 $1,475,000 21.9% 0.6%
    FREEDOM MORTGAGE CORPORATION $2,020,000 $1,470,000 -27.2% 0.6%
    PROVIDENT FUNDING ASSOCIATES, L.P. $1,255,000 $1,365,000 8.8% 0.5%
    Citibank $145,000 $1,330,000 817.2% 0.5%
    NEWREZ LLC $945,000 $1,330,000 40.7% 0.5%
    THE GOLDEN 1 $1,145,000 $1,250,000 9.2% 0.5%
    Mr. Cooper ( Nationstar Mortgage ) $915,000 $1,245,000 36.1% 0.5%
    PREMIER MORTGAGE RESOURCES, L.L.C. $1,630,000 $1,215,000 -25.5% 0.5%
    HOMEOWNERS FINANCIAL GROUP USA, LLC $650,000 $1,210,000 86.2% 0.5%
    SCENIC OAKS FUNDING, INC. $660,000 $1,185,000 79.5% 0.4%
    TRIAD FINANCIAL SERVICES, INC. $1,225,000 $1,175,000 -4.1% 0.4%
    The Federal Savings Bank $870,000 $1,165,000 33.9% 0.4%
    Barrington Bank & Trust Company, N.A. $385,000 $1,140,000 196.1% 0.4%
    FINANCE OF AMERICA REVERSE LLC $1,020,000 $1,120,000 9.8% 0.4%
    Paramount Residential Mortgage Group, Inc. $1,145,000 $1,075,000 -6.1% 0.4%
    LEADERONE FINANCIAL CORPORATION $1,025,000 n/a 0.4%
    Figure Lending LLC $235,000 $1,015,000 331.9% 0.4%
    Golden Empire Mortgage, Inc. $180,000 $920,000 411.1% 0.3%
    LENDINGHOME FUNDING CORPORATION $1,345,000 $920,000 -31.6% 0.3%
    CMG MORTGAGE, INC. $1,835,000 $885,000 -51.8% 0.3%
    Firefighters First Federal Credit Union $630,000 $855,000 35.7% 0.3%
    Hometown Equity Mortgage, LLC $740,000 n/a 0.3%
    MID AMERICA MORTGAGE, INC. $710,000 n/a 0.3%
    PLAZA HOME MORTGAGE, INC. $315,000 $670,000 112.7% 0.3%
    ALAMEDA MORTGAGE CORPORATION $430,000 $655,000 52.3% 0.2%
    LANTZMAN MANAGEMENT, INC. $650,000 n/a 0.2%
    DIGNIFIED HOME LOANS, LLC $635,000 n/a 0.2%
    USAA Federal Savings Bank $335,000 $610,000 82.1% 0.2%
    Ally Bank $600,000 n/a 0.2%
    AMERISAVE MORTGAGE CORPORATION $845,000 $600,000 -29.0% 0.2%
    AmeriHome Mortgage Company, LLC $595,000 n/a 0.2%
    LAND HOME FINANCIAL SERVICES, INC. $590,000 n/a 0.2%
    A&D Mortgage LLC $580,000 n/a 0.2%
    BETTER MORTGAGE CORPORATION $185,000 $580,000 213.5% 0.2%
    NexBank $155,000 $575,000 271.0% 0.2%
    S1L, Inc. $1,025,000 $570,000 -44.4% 0.2%
    Fidelity Bank $545,000 n/a 0.2%
    STAR ONE CREDIT UNION $105,000 $540,000 414.3% 0.2%
    NOVA FINANCIAL & INVESTMENT CORPORATION $515,000 $525,000 1.9% 0.2%
    SANDIA LABORATORY $515,000 n/a 0.2%
    Discover Bank $485,000 $470,000 -3.1% 0.2%
    PACIFIC SERVICE $555,000 $470,000 -15.3% 0.2%
    Farm Credit Mid-America, ACA $455,000 n/a 0.2%
    Commerce Home Mortgage, Inc. $1,760,000 $435,000 -75.3% 0.2%
    FOUNDATION MORTGAGE CORPORATION $395,000 $435,000 10.1% 0.2%
    MORTGAGEONE, INC. $415,000 $435,000 4.8% 0.2%
    ROUNDPOINT MORTGAGE SERVICING CORPORATION $435,000 n/a 0.2%
    MK LENDING CORP. $425,000 n/a 0.2%
    LONGBRIDGE FINANCIAL, LLC $445,000 $420,000 -5.6% 0.2%
    Mechanics Bank $90,000 $415,000 361.1% 0.2%
    Northpointe Bank $1,970,000 $410,000 -79.2% 0.2%
    CHURCHILL MORTGAGE CORPORATION $295,000 $405,000 37.3% 0.2%
    NMSI, INC. $395,000 n/a 0.1%
    CREDIT HUMAN FEDERAL CREDIT UNION $650,000 $390,000 -40.0% 0.1%
    Greenbox Loans, Inc. $225,000 $385,000 71.1% 0.1%
    LIMA ONE CAPITAL, LLC $385,000 n/a 0.1%
    LOANPAL, LLC $385,000 n/a 0.1%
    DEEPHAVEN MORTGAGE LLC $375,000 n/a 0.1%
    MOVEMENT MORTGAGE, LLC $530,000 $370,000 -30.2% 0.1%
    El Dorado Savings Bank, F.S.B. $805,000 $365,000 -54.7% 0.1%
    PHH Mortgage Corporation $365,000 n/a 0.1%
    San Mateo Credit Union $225,000 $355,000 57.8% 0.1%
    Coastal Community Bank $25,000 $350,000 1,300.0% 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $345,000 n/a 0.1%
    Bank of Utah $345,000 n/a 0.1%
    General Mortgage Capital Corporation $145,000 $345,000 137.9% 0.1%
    INTELLILOAN, INC. $345,000 n/a 0.1%
    JMAC LENDING, INC. $345,000 n/a 0.1%
    OCMBC, INC. $1,190,000 $345,000 -71.0% 0.1%
    SECURITYNATIONAL MORTGAGE COMPANY $345,000 n/a 0.1%
    AHL FUNDING $335,000 n/a 0.1%
    AMERICAN FINANCIAL NETWORK, INC. $960,000 $335,000 -65.1% 0.1%
    VILLAGE CAPITAL MORTGAGE $405,000 $335,000 -17.3% 0.1%
    SAN FRANCISCO FIRE CREDIT UNION $90,000 $330,000 266.7% 0.1%
    INFINITY EQUITY GROUP, INC. $325,000 n/a 0.1%
    JMJ FINANCIAL GROUP $305,000 n/a 0.1%
    Sierra Central Credit Union $295,000 n/a 0.1%
    Magnolia Bank $285,000 n/a 0.1%
    GOOGAIN, INC. $285,000 $275,000 -3.5% 0.1%
    Industrial and Commercial Bank of China USA $275,000 n/a 0.1%
    LADERA LENDING, INC. $835,000 $275,000 -67.1% 0.1%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $275,000 n/a 0.1%
    NP, Inc. $275,000 n/a 0.1%
    CANOPY MORTGAGE, LLC $265,000 n/a 0.1%
    Charles Schwab Bank, SSB $265,000 n/a 0.1%
    Citadel Servicing Corporation $265,000 $265,000 0.0% 0.1%
    Fremont Bank $275,000 $265,000 -3.6% 0.1%
    21ST MORTGAGE CORPORATION $705,000 $260,000 -63.1% 0.1%
    STANFORD Federal Credit Union $75,000 $255,000 240.0% 0.1%
    SPRING EQ, LLC $130,000 $250,000 92.3% 0.1%
    NFM, INC. $660,000 $245,000 -62.9% 0.1%
    Prosperity Home Mortgage, LLC $355,000 $245,000 -31.0% 0.1%
    AMWEST FUNDING CORP. $235,000 n/a 0.1%
    San Joaquin Power Employees Credit Union $520,000 $235,000 -54.8% 0.1%
    VAL-CHRIS INVESTMENTS, INC. $85,000 $230,000 170.6% 0.1%
    First Federal Bank $225,000 n/a 0.1%
    HOMESIDE FINANCIAL, LLC $325,000 $225,000 -30.8% 0.1%
    SUMMIT FUNDING, INC. $1,115,000 $225,000 -79.8% 0.1%
    BAY $215,000 n/a 0.1%
    CASTLE & COOKE MORTGAGE, LLC $1,605,000 $205,000 -87.2% 0.1%
    Logan Finance Corporation $205,000 n/a 0.1%
    VERITAS FUNDING, LLC $195,000 n/a 0.1%
    NEXERA HOLDING LLC $265,000 $185,000 -30.2% 0.1%
    PATELCO $760,000 $185,000 -75.7% 0.1%
    UNCLE Credit Union $185,000 n/a 0.1%
    STARBOARD FINANCIAL MANAGEMENT, LLC $175,000 n/a 0.1%
    THE POLICE Credit Union $175,000 n/a 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $75,000 $165,000 120.0% 0.1%
    Tri Counties Bank $150,000 n/a 0.1%
    BMO Harris Bank $1,480,000 $145,000 -90.2% 0.1%
    QUORUM FEDERAL CREDIT UNION $135,000 n/a 0.1%
    ALLIANT CREDIT UNION $250,000 $125,000 -50.0% 0.0%
    MUTUAL OF OMAHA MORTGAGE, INC. $1,200,000 $125,000 -89.6% 0.0%
    ROYAL UNITED MORTGAGE LLC $130,000 $120,000 -7.7% 0.0%
    TECHNOLOGY $110,000 n/a 0.0%
    MERIWEST $105,000 n/a 0.0%
    Noble Federal Credit Union $105,000 n/a 0.0%
    CITIZENS EQUITY FIRST $75,000 n/a 0.0%
    Comerica Bank $505,000 $75,000 -85.1% 0.0%
    SCHOOLSFIRST $150,000 $55,000 -63.3% 0.0%
    TRAVIS CREDIT UNION $190,000 $55,000 -71.1% 0.0%
    Signature Federal Credit Union $210,000 $35,000 -83.3% 0.0%
    Third Federal Savings and Loan Association of Cleveland $450,000 $25,000 -94.4% 0.0%

    Sonora's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 18.9% market share. In second place, with 16.4%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $43,385,000 in loans. In third place, with 11.4%, is QUICKEN LOANS, LLC, having originated $30,260,000 in loans. In fourth place, with 3.4%, is AMERICAN PACIFIC MORTGAGE CORPORATION, having originated $8,900,000 in loans. In fifth place, with 2.6%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $6,985,000 in loans.

    Sonora Housing Market Trends (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 $324,500 (3.0%) $388,470 (-0.4%) 0.00 312
    2018-02-01 $325,000 (3.7%) $400,783 (1.8%) 0.00 295
    2018-03-01 $325,000 (2.4%) $399,730 (0.1%) 0.00 310
    2018-04-01 $344,250 (5.9%) $419,193 (5.5%) 0.00 325
    2018-05-01 $349,950 (7.7%) $436,029 (8.5%) 0.00 361
    2018-06-01 $350,000 (6.4%) $435,669 (10.2%) 0.00 415
    2018-07-01 $349,250 (7.5%) $423,195 (10.7%) 0.00 498
    2018-08-01 $348,000 (7.1%) $421,631 (8.7%) 0.00 523
    2018-09-01 $339,000 (6.1%) $414,825 (7.1%) 0.00 530
    2018-10-01 $336,875 (6.3%) $406,759 (3.0%) 0.00 506
    2018-11-01 $339,000 (9.7%) $405,100 (4.2%) 0.00 466
    2018-12-01 $329,000 (6.5%) $400,151 (5.0%) 0.00 425
    2019-01-01 $334,200 (3.0%) $408,435 (5.1%) 0.00 342
    2019-02-01 $329,450 (1.4%) $403,979 (0.8%) 0.00 331
    2019-03-01 $333,693 (2.7%) $410,123 (2.6%) 0.00 348
    2019-04-01 $339,475 (-1.4%) $416,794 (-0.6%) 0.00 397
    2019-05-01 $347,225 (-0.8%) $428,450 (-1.7%) 0.00 476
    2019-06-01 $354,725 (1.4%) $432,958 (-0.6%) 0.00 547
    2019-07-01 $349,800 (0.2%) $420,551 (-0.6%) 0.00 613
    2019-08-01 $346,636 (-0.4%) $416,210 (-1.3%) 0.00 630
    2019-09-01 $342,341 (1.0%) $415,306 (0.1%) 0.00 626
    2019-10-01 $342,477 (1.7%) $414,679 (2.0%) 0.00 613
    2019-11-01 $339,000 (0.0%) $415,095 (2.5%) 0.00 555
    2019-12-01 $336,000 (2.1%) $427,851 (6.9%) 0.00 474
    2020-01-01 $329,000 (-1.6%) $426,047 (4.3%) 0.00 363
    2020-02-01 $329,450 (0.0%) $428,953 (6.2%) 0.00 349
    2020-03-01 $339,250 (1.7%) $423,493 (3.3%) 0.00 365
    2020-04-01 $336,350 (-0.9%) $420,924 (1.0%) 0.00 351
    2020-05-01 $338,500 (-2.5%) $424,892 (-0.8%) 0.00 352
    2020-06-01 $359,750 (1.4%) $436,438 (0.8%) 0.00 338
    2020-07-01 $369,963 (5.8%) $445,957 (6.0%) 0.00 319
    2020-08-01 $379,600 (9.5%) $461,660 (10.9%) 0.00 253
    2020-09-01 $376,750 (10.1%) $543,551 (30.9%) 0.00 245
    2020-10-01 $375,000 (9.5%) $543,205 (31.0%) 0.00 250
    2020-11-01 $397,000 (17.1%) $492,644 (18.7%) 0.00 221
    2020-12-01 $399,925 (19.0%) $516,574 (20.7%) 0.00 193
    2021-01-01 $435,000 (32.2%) $544,232 (27.7%) 0.00 165
    2021-02-01 $470,000 (42.7%) $588,717 (37.3%) 0.00 131
    2021-03-01 $474,750 (39.9%) $559,712 (32.2%) 0.00 132
    2021-04-01 $449,998 (33.8%) $534,312 (26.9%) 0.00 160
    2021-05-01 $448,500 (32.5%) $522,519 (23.0%) 0.00 178
    2021-06-01 $455,475 (26.6%) $532,597 (22.0%) 0.00 199
    2021-07-01 $449,999 (21.6%) $533,063 (19.5%) 0.00 207
    2021-08-01 $441,100 (16.2%) $519,087 (12.4%) 0.00 231
    2021-09-01 $432,500 (14.8%) $517,751 (-4.8%) 0.00 249
    2021-10-01 $437,000 (16.5%) $534,538 (-1.6%) 0.00 265
    2021-11-01 $457,500 (15.2%) $565,975 (14.9%) 0.00 239
    2021-12-01 $479,894 (20.0%) $594,450 (15.1%) 0.00 187
    2022-01-01 $497,475 (14.4%) $626,495 (15.1%) 0.00 131
    2022-02-01 $495,000 (5.3%) $638,177 (8.4%) 0.00 118
    2022-03-01 $499,250 (5.2%) $624,496 (11.6%) 0.00 140
    2022-04-01 $491,500 (9.2%) $595,714 (11.5%) 0.00 159
    2022-05-01 $480,167 (7.1%) $1,251,470 (139.5%) 0.00 213
    2022-06-01 $472,500 (3.7%) $579,121 (8.7%) 0.00 265
    2022-07-01 $459,000 (2.0%) $549,897 (3.2%) 0.00 314
    2022-08-01 $449,450 (1.9%) $528,339 (1.8%) 0.00 343
    2022-09-01 $448,000 (3.6%) $532,593 (2.9%) 0.00 318
    2022-10-01 $449,000 (2.8%) $534,937 (0.1%) 0.00 314
    2022-11-01 $434,500 (-5.0%) $531,445 (-6.1%) 0.00 300
    2022-12-01 $440,450 (-8.2%) $541,607 (-8.9%) 0.00 246
    2023-01-01 $429,950 (-13.6%) $543,852 (-13.2%) 0.00 199
    2023-02-01 $449,000 (-9.3%) $558,531 (-12.5%) 0.00 180
    2023-03-01 $454,950 (-8.9%) $571,613 (-8.5%) 0.00 150
    2023-04-01 $469,000 (-4.6%) $584,771 (-1.8%) 0.00 163
    2023-05-01 $479,750 (-0.1%) $607,182 (-51.5%) 0.00 196
    2023-06-01 $489,875 (3.7%) $594,302 (2.6%) 0.00 258
    2023-07-01 $489,000 (6.5%) $570,103 (3.7%) 0.00 281
    2023-08-01 $456,999 (1.7%) $560,130 (6.0%) 0.00 303
    2023-09-01 $449,000 (0.2%) $541,600 (1.7%) 0.00 320
    2023-10-01 $449,000 (0.0%) $535,897 (0.2%) 0.00 340
    2023-11-01 $436,750 (0.5%) $527,214 (-0.8%) 0.00 338
    2023-12-01 $426,250 (-3.2%) $529,449 (-2.2%) 0.00 287
    2024-01-01 $429,999 (0.0%) $518,380 (-4.7%) 0.00 230
    2024-02-01 $423,500 (-5.7%) $517,177 (-7.4%) 0.00 205
    2024-03-01 $444,500 (-2.3%) $537,855 (-5.9%) 0.00 218
    2024-04-01 $450,000 (-4.1%) $555,835 (-5.0%) 0.00 267
    2024-05-01 $465,000 (-3.1%) $574,691 (-5.4%) 0.00 309
    2024-06-01 $472,950 (-3.5%) $574,286 (-3.4%) 0.00 358
    2024-07-01 $465,000 (-4.9%) $562,717 (-1.3%) 0.00 419
    2024-08-01 $469,000 (2.6%) $561,843 (0.3%) 0.00 424
    2024-09-01 $467,000 (4.0%) $559,014 (3.2%) 0.00 437
    2024-10-01 $454,000 (1.1%) $545,249 (1.8%) 0.00 448
    2024-11-01 $447,750 (2.5%) $528,841 (0.3%) 0.00 428
    2024-12-01 $428,469 (0.5%) $515,414 (-2.7%) 0.00 401
    2025-01-01 $422,000 (-1.9%) $507,912 (-2.0%) 0.00 321
    2025-02-01 $429,208 (1.4%) $525,506 (1.6%) 0.00 336
    2025-03-01 $430,000 (-3.3%) $536,403 (-0.3%) 0.00 370
    2025-04-01 $449,900 (0.0%) $540,735 (-2.7%) 0.00 405
    Sonora's median listing price for 2025-04-01 was $449,900, a difference of $-100 (0.0%) versus the prior year and $19,900 versus the prior month.

    Sonora's median listing price comes in at 0% of the national average.

    Sonora's average listing price for 2025-04-01 was $540,735, a difference of $-15,100 (-2.7%) versus the prior year and $4,332 versus the prior month.

    For the 2025-04-01 period, Sonora had 405 MLS listings, a difference of 35 listings (9%) versus the prior month and 138 listings (52%) 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 1,731 sqft
    2018-02-01 0 days 1,743 sqft
    2018-03-01 0 days 1,750 sqft
    2018-04-01 0 days 1,775 sqft
    2018-05-01 0 days 1,841 sqft
    2018-06-01 0 days 1,873 sqft
    2018-07-01 0 days 1,792 sqft
    2018-08-01 0 days 1,774 sqft
    2018-09-01 0 days 1,786 sqft
    2018-10-01 0 days 1,760 sqft
    2018-11-01 0 days 1,782 sqft
    2018-12-01 0 days 1,762 sqft
    2019-01-01 0 days 1,798 sqft
    2019-02-01 0 days 1,760 sqft
    2019-03-01 0 days 1,790 sqft
    2019-04-01 0 days 1,815 sqft
    2019-05-01 0 days 1,840 sqft
    2019-06-01 0 days 1,844 sqft
    2019-07-01 0 days 1,819 sqft
    2019-08-01 0 days 1,811 sqft
    2019-09-01 0 days 1,816 sqft
    2019-10-01 0 days 1,822 sqft
    2019-11-01 0 days 1,801 sqft
    2019-12-01 0 days 1,803 sqft
    2020-01-01 0 days 1,793 sqft
    2020-02-01 0 days 1,780 sqft
    2020-03-01 0 days 1,765 sqft
    2020-04-01 0 days 1,789 sqft
    2020-05-01 0 days 1,772 sqft
    2020-06-01 0 days 1,813 sqft
    2020-07-01 0 days 1,816 sqft
    2020-08-01 0 days 1,784 sqft
    2020-09-01 0 days 1,788 sqft
    2020-10-01 0 days 1,786 sqft
    2020-11-01 0 days 1,797 sqft
    2020-12-01 0 days 1,801 sqft
    2021-01-01 0 days 1,812 sqft
    2021-02-01 0 days 1,808 sqft
    2021-03-01 0 days 1,813 sqft
    2021-04-01 0 days 1,788 sqft
    2021-05-01 0 days 1,794 sqft
    2021-06-01 0 days 1,786 sqft
    2021-07-01 0 days 1,777 sqft
    2021-08-01 0 days 1,717 sqft
    2021-09-01 0 days 1,719 sqft
    2021-10-01 0 days 1,710 sqft
    2021-11-01 0 days 1,809 sqft
    2021-12-01 0 days 1,839 sqft
    2022-01-01 0 days 1,848 sqft
    2022-02-01 0 days 1,794 sqft
    2022-03-01 0 days 1,878 sqft
    2022-04-01 0 days 1,820 sqft
    2022-05-01 0 days 1,761 sqft
    2022-06-01 0 days 1,810 sqft
    2022-07-01 0 days 1,759 sqft
    2022-08-01 0 days 1,759 sqft
    2022-09-01 0 days 1,771 sqft
    2022-10-01 0 days 1,738 sqft
    2022-11-01 0 days 1,721 sqft
    2022-12-01 0 days 1,721 sqft
    2023-01-01 0 days 1,664 sqft
    2023-02-01 0 days 1,743 sqft
    2023-03-01 0 days 1,781 sqft
    2023-04-01 0 days 1,748 sqft
    2023-05-01 0 days 1,792 sqft
    2023-06-01 0 days 1,829 sqft
    2023-07-01 0 days 1,801 sqft
    2023-08-01 0 days 1,797 sqft
    2023-09-01 0 days 1,736 sqft
    2023-10-01 0 days 1,732 sqft
    2023-11-01 0 days 1,696 sqft
    2023-12-01 0 days 1,680 sqft
    2024-01-01 0 days 1,650 sqft
    2024-02-01 0 days 1,620 sqft
    2024-03-01 0 days 1,685 sqft
    2024-04-01 0 days 1,726 sqft
    2024-05-01 0 days 1,753 sqft
    2024-06-01 0 days 1,804 sqft
    2024-07-01 0 days 1,819 sqft
    2024-08-01 0 days 1,812 sqft
    2024-09-01 0 days 1,809 sqft
    2024-10-01 0 days 1,716 sqft
    2024-11-01 0 days 1,714 sqft
    2024-12-01 0 days 1,651 sqft
    2025-01-01 0 days 1,638 sqft
    2025-02-01 0 days 1,641 sqft
    2025-03-01 0 days 1,659 sqft
    2025-04-01 0 days 1,713 sqft
    Sonora's median listing age (time on market) for 2025-04-01 was 0 days.

    Sonora's median square footage for active listings during the 2025-04-01 period was 1,713 sqft. One year prior, the average listing was 1,726 sqft.

    Sonora, CA Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 565 $186,755,000 $330,540
    Cash Out Refi 128 $28,880,000 $225,625
    Refi 94 $29,110,000 $309,681
    Other 86 $10,400,000 $120,930
    Home Improvement 85 $9,485,000 $111,588
    NA 3 $575,000 $191,667

    Sonora's most frequently cited loan purpose was Home Purchase, with 565 originations. The 2nd most popular reason was Cash Out Refi, with 128 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 419 $134,275,000 $320,465
    7-8% 204 $62,460,000 $306,176
    Over 8% 185 $23,685,000 $128,027
    5-6% 111 $37,615,000 $338,874
    <2.5% 14 $320,000 $22,857
    4-5% 4 $1,470,000 $367,500
    2.5-3% 2 $450,000 $225,000
    3-4% 1 $195,000 $195,000

    During 2024, Sonora's most frequently originated rate bucket was 6-7%, with 419 originations.

    Loan Sizing (Sonora, CA MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 456 $134,710,000 $295,417
    $100,000 or less 167 $8,995,000 $53,862
    $400k-600k 150 $69,740,000 $464,933
    $100k-200k 149 $21,645,000 $145,268
    $600k-1000k 35 $25,255,000 $721,571
    $Over $1MM 4 $4,860,000 $1,215,000

    Sonora's loan sizing saw the bucket of loans from $200k-400k with 456 originations, totaling $134,710,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 338 $122,900,000 $363,609
    60-80% 234 $81,350,000 $347,650
    Under 20% 143 $8,415,000 $58,846
    40-60% 114 $29,350,000 $257,456
    20-40% 101 $14,255,000 $141,139
    Over 100% 4 $2,130,000 $532,500

    Sonora's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 338 originations, totaling $122,900,000 in origination value.