Sonora Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Sonora averaged 7.01% for the week of 2024-04-11, compared to the national average of 6.88% for the same period.

The average rate for the prior week (2024-04-04) was 6.95% and one month ago for the week of 2024-03-07, the average rate was 6.91%.

Sonora's average rate one year ago was 6.21%.

For refis of the same type during the week of 2024-04-11, the average rate was 7.18%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-04-11 6.88%
Sonora 30 Year Fixed Rate 2024-04-11 7.01%
Sonora 30 Year Fixed Rate Refi 2024-04-11 7.18%
Sonora 15 Year Fixed Rate 2024-04-11 6.16%
Sonora 15 Year Fixed Rate Refi 2024-04-11 6.56%
Sonora 30 Year FHA 2024-04-11 6.62%
Sonora 30 Year FHA Refi 2024-04-11 6.64%
Sonora 30 Year USDA 2024-04-11 6.91%
Sonora 30 Year USDA Refi 2024-04-11 6.51%
Sonora 30 Year VA 2024-04-11 6.77%
Sonora 30 Year VA Refi 2024-04-11 6.57%
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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 107 6.92% $6,718
UNITED WHOLESALE MORTGAGE, LLC 61 7.01% $8,001
QUICKEN LOANS, LLC 57 6.86% $7,703
AMERICAN PACIFIC MORTGAGE CORPORATION 14 7.14% $9,029
CROSSCOUNTRY MORTGAGE, LLC 7 7.34% $9,429
Wells Fargo Bank 7 7.48% $6,440
BROKER SOLUTIONS, INC. 7 6.87% $7,673
LOANDEPOT.COM, LLC 7 6.98% $6,249
MASON MCDUFFIE MORTGAGE CORPORATION 7 6.54% $7,953
Bank of America 6 6.29% $5,521
JPMorgan Chase Bank 6 6.48% $4,673
Flagstar Bank, FSB 6 7.18% $7,872
CMG MORTGAGE, INC. 5 6.15% $6,721
Northpointe Bank 5 7.10% $7,663
U.S. Bank 5 6.60% $7,503
PROVIDENT FUNDING ASSOCIATES, L.P. 5 6.58% $3,849
ACADEMY MORTGAGE CORPORATION 5 7.33% $10,912
The Loan Store, Inc. 5 6.73% $7,473
PENNYMAC LOAN SERVICES, LLC 5 6.57% $5,716
PRIMARY RESIDENTIAL MORTGAGE, INC. 4 6.75% $8,659
Century Mortgage Company DBA Century Lending Company 4 6.44% $8,194
BMO Harris Bank 4 6.25% $5,150
GUILD MORTGAGE COMPANY 3 7.58% $6,930
El Dorado Savings Bank, F.S.B. 3 5.58% $4,823
ARC HOME LLC 3 6.96% $7,980
S1L, Inc. 3 6.71% $7,590
PREMIER MORTGAGE RESOURCES, L.L.C. 3 6.46% $11,735
AMERICAN FINANCIAL NETWORK, INC. 3 6.83% $8,030
LADERA LENDING, INC. 3 7.00% $10,845
PNC Bank 2 7.25% $8,183
AMERISAVE MORTGAGE CORPORATION 2 6.06% $9,484
CASTLE & COOKE MORTGAGE, LLC 2 7.13% $11,760
Educational Employees Credit Union 2 6.56% $2,191
FREEDOM MORTGAGE CORPORATION 2 7.13% $8,021
GUARANTEED RATE, INC. 2 7.50% $6,618
MOVEMENT MORTGAGE, LLC 2 7.53% $9,701
Mr. Cooper ( Nationstar Mortgage ) 2 7.18% $6,761
NEWREZ LLC 2 6.81% $11,771
PATELCO 2 6.38% $4,399
REDWOOD 2 7.13% $2,260
Sierra Pacific Mortgage Company, Inc. 2 6.75% $5,137
SUMMIT FUNDING, INC. 2 6.88% $9,350
THE GOLDEN 1 2 6.75% $5,259
HSBC BANK USA, NATIONAL ASSOCIATION 1 5.99% $5,852
INTERCAP LENDING INC. 1 7.00% $11,392
CTBC Bank Corp. (USA) 1 5.88% $4,184
KeyBank 1 7.50% $5,819
Citizens Bank 1 5.99% $5,262
LAKEVIEW LOAN SERVICING, LLC 1 5.50% $6,686
Citibank 1 5.50% $4,157
CBC Federal Credit Union 1 7.63% $4,558
UTILITIES EMPLOYEES CREDIT UNION 1 6.13% $3,654
ALAMEDA MORTGAGE CORPORATION 1 6.99% $7,370
NAVY FEDERAL CREDIT UNION 1 6.88% $2,543
AmRes Corporation 1 6.99% $6,500
NEW WAVE LENDING GROUP INC 1 7.63% $3,947
NexBank 1 7.25% $4,679
NFM, INC. 1 7.25% $12,112
North American Savings Bank, F.S.B. 1 8.63% $6,401
Carrington Mortgage Services, LLC 1 5.88% $6,639
OCMBC, INC. 1 11.63% $12,580
Operating Engineers Local Union #3 1 6.00% $3,585
PACIFIC RESIDENTIAL MORTGAGE, LLC 1 7.13% $3,036
AMERITRUST MORTGAGE CORPORATION 1 8.13% $5,212
CALCON MUTUAL MORTGAGE LLC 1 6.63% $10,560
PLAZA HOME MORTGAGE, INC. 1 6.25% $9,213
BETTER MORTGAGE CORPORATION 1 5.50% $8,350
BEST FINANCE CAPITAL, INC. 1 7.50% $9,894
BAY-VALLEY MORTGAGE GROUP 1 7.00% $9,147
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.38% $12,869
Provident Credit Union 1 5.50% $3,227
Baxter Credit Union 1 6.50% $4,175
AXIA FINANCIAL, LLC 1 7.25% $4,907
USAA Federal Savings Bank 1 6.25% $6,300
ROYAL UNITED MORTGAGE LLC 1 7.13% $3,748
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 7.99% $4,285
San Mateo Credit Union 1 5.88% $2,024
SCENIC OAKS FUNDING, INC. 1 6.38% $14,124
Ameris Bank 1 7.13% $15,236
EVERETT FINANCIAL, INC. 1 6.38% $7,673
Farmers Bank & Trust 1 6.25% $4,547
ENVOY MORTGAGE, LTD 1 7.63% $11,028
FOUNDATION MORTGAGE CORPORATION 1 8.25% $11,627
SNAPFI, INC. 1 7.13% $4,688
General Mortgage Capital Corporation 1 6.13% $3,319
GOOGAIN, INC. 1 7.50% $9,621
Strong Home Mortgage, LLC 1 7.88% $2,859
DRAPER AND KRAMER MORTGAGE CORP. 1 8.13% $4,140
HOMEXPRESS MORTGAGE CORP. 1 8.00% $13,856

Sonora Average Closing Costs & Other Stats

Sonora, CA's 89 lenders originated 893 loans during 2023. The total origination value was $241,195,000, with an average loan value of $270,095.

Sonora's average closing costs are $5,525.

The top Sonora lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 107 loans originated. Their average total fees are $6,718, which is $1,283 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee Sonora lenders (with over 10 loans originated) are FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($6,718), QUICKEN LOANS, LLC ($7,703), UNITED WHOLESALE MORTGAGE, LLC ($8,001), AMERICAN PACIFIC MORTGAGE CORPORATION ($9,029) and .

The lowest rate Sonora lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (6.86%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.92%), UNITED WHOLESALE MORTGAGE, LLC (7.01%), AMERICAN PACIFIC MORTGAGE CORPORATION (7.14%) and .

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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $73,630,000 $49,380,000 -32.9% 20.5%
UNITED WHOLESALE MORTGAGE, LLC $45,005,000 $32,860,000 -27.0% 13.6%
QUICKEN LOANS, LLC $41,555,000 $22,955,000 -44.8% 9.5%
AMERICAN PACIFIC MORTGAGE CORPORATION $8,580,000 $6,505,000 -24.2% 2.7%
Bank of America $7,915,000 $5,120,000 -35.3% 2.1%
LOANDEPOT.COM, LLC $9,730,000 $4,265,000 -56.2% 1.8%
U.S. Bank $5,645,000 $3,920,000 -30.6% 1.6%
CROSSCOUNTRY MORTGAGE, LLC $8,305,000 $3,910,000 -52.9% 1.6%
PENNYMAC LOAN SERVICES, LLC $4,975,000 $3,690,000 -25.8% 1.5%
PNC Bank $1,880,000 $3,230,000 71.8% 1.3%
Flagstar Bank, FSB $3,150,000 $3,105,000 -1.4% 1.3%
Century Mortgage Company DBA Century Lending Company $1,955,000 $2,995,000 53.2% 1.2%
ACADEMY MORTGAGE CORPORATION $5,040,000 $2,635,000 -47.7% 1.1%
MASON MCDUFFIE MORTGAGE CORPORATION $3,690,000 $2,615,000 -29.1% 1.1%
JPMorgan Chase Bank $8,000,000 $2,335,000 -70.8% 1.0%
BROKER SOLUTIONS, INC. $2,995,000 $2,190,000 -26.9% 0.9%
FREEDOM MORTGAGE CORPORATION $5,630,000 $2,020,000 -64.1% 0.8%
Northpointe Bank $3,175,000 $1,970,000 -38.0% 0.8%
CMG MORTGAGE, INC. $3,145,000 $1,835,000 -41.7% 0.8%
Wells Fargo Bank $9,485,000 $1,815,000 -80.9% 0.8%
Commerce Home Mortgage, Inc. $4,780,000 $1,760,000 -63.2% 0.7%
The Loan Store, Inc. $1,655,000 n/a 0.7%
PREMIER MORTGAGE RESOURCES, L.L.C. $2,220,000 $1,630,000 -26.6% 0.7%
CASTLE & COOKE MORTGAGE, LLC $1,710,000 $1,605,000 -6.1% 0.7%
GUILD MORTGAGE COMPANY $2,260,000 $1,545,000 -31.6% 0.6%
BMO Harris Bank $1,480,000 n/a 0.6%
Farmers & Merchants Bank of Central California $375,000 $1,405,000 274.7% 0.6%
Bank of Stockton $1,535,000 $1,380,000 -10.1% 0.6%
NAVY FEDERAL CREDIT UNION $990,000 $1,380,000 39.4% 0.6%
HSBC BANK USA, NATIONAL ASSOCIATION $1,365,000 n/a 0.6%
PRIMARY RESIDENTIAL MORTGAGE, INC. $2,535,000 $1,360,000 -46.4% 0.6%
LENDINGHOME FUNDING CORPORATION $1,085,000 $1,345,000 24.0% 0.6%
PROVIDENT FUNDING ASSOCIATES, L.P. $135,000 $1,255,000 829.6% 0.5%
TRIAD FINANCIAL SERVICES, INC. $480,000 $1,225,000 155.2% 0.5%
Umpqua Bank $7,065,000 $1,210,000 -82.9% 0.5%
MUTUAL OF OMAHA MORTGAGE, INC. $1,370,000 $1,200,000 -12.4% 0.5%
OCMBC, INC. $1,020,000 $1,190,000 16.7% 0.5%
Paramount Residential Mortgage Group, Inc. $2,235,000 $1,145,000 -48.8% 0.5%
THE GOLDEN 1 $935,000 $1,145,000 22.5% 0.5%
GUARANTEED RATE, INC. $4,150,000 $1,115,000 -73.1% 0.5%
SUMMIT FUNDING, INC. $255,000 $1,115,000 337.3% 0.5%
Mortgage Research Center, LLC $4,120,000 $1,065,000 -74.2% 0.4%
SUN WEST MORTGAGE COMPANY, INC. $1,175,000 $1,060,000 -9.8% 0.4%
ARC HOME LLC $365,000 $1,025,000 180.8% 0.4%
S1L, Inc. $2,625,000 $1,025,000 -61.0% 0.4%
FINANCE OF AMERICA REVERSE LLC $515,000 $1,020,000 98.1% 0.4%
AMERICAN FINANCIAL NETWORK, INC. $960,000 n/a 0.4%
NEWREZ LLC $1,320,000 $945,000 -28.4% 0.4%
Mr. Cooper ( Nationstar Mortgage ) $9,765,000 $915,000 -90.6% 0.4%
The Federal Savings Bank $1,375,000 $870,000 -36.7% 0.4%
AMERISAVE MORTGAGE CORPORATION $6,085,000 $845,000 -86.1% 0.4%
LADERA LENDING, INC. $835,000 n/a 0.3%
Sierra Pacific Mortgage Company, Inc. $2,490,000 $830,000 -66.7% 0.3%
Banner Bank $815,000 n/a 0.3%
El Dorado Savings Bank, F.S.B. $2,945,000 $805,000 -72.7% 0.3%
CALCON MUTUAL MORTGAGE LLC $335,000 $770,000 129.9% 0.3%
LAKEVIEW LOAN SERVICING, LLC $2,795,000 $760,000 -72.8% 0.3%
PATELCO $2,700,000 $760,000 -71.9% 0.3%
CARDINAL FINANCIAL $930,000 $730,000 -21.5% 0.3%
FIRST TECHNOLOGY $515,000 $730,000 41.7% 0.3%
KeyBank $625,000 $725,000 16.0% 0.3%
21ST MORTGAGE CORPORATION $910,000 $705,000 -22.5% 0.3%
NFM, INC. $1,710,000 $660,000 -61.4% 0.3%
SCENIC OAKS FUNDING, INC. $2,140,000 $660,000 -69.2% 0.3%
CREDIT HUMAN FEDERAL CREDIT UNION $125,000 $650,000 420.0% 0.3%
HOMEOWNERS FINANCIAL GROUP USA, LLC $275,000 $650,000 136.4% 0.3%
Firefighters First Federal Credit Union $250,000 $630,000 152.0% 0.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $5,405,000 $625,000 -88.4% 0.3%
Carrington Mortgage Services, LLC $1,130,000 $610,000 -46.0% 0.3%
Citizens Bank $875,000 $605,000 -30.9% 0.3%
NETWORK CAPITAL FUNDING CORPORATION $425,000 $600,000 41.2% 0.2%
PACIFIC SERVICE $1,460,000 $555,000 -62.0% 0.2%
AXIA FINANCIAL, LLC $545,000 n/a 0.2%
MOVEMENT MORTGAGE, LLC $1,925,000 $530,000 -72.5% 0.2%
Farmers Bank & Trust $525,000 n/a 0.2%
San Joaquin Power Employees Credit Union $520,000 n/a 0.2%
NOVA FINANCIAL & INVESTMENT CORPORATION $515,000 n/a 0.2%
Comerica Bank $55,000 $505,000 818.2% 0.2%
CLEARPATH LENDING $445,000 $495,000 11.2% 0.2%
Discover Bank $540,000 $485,000 -10.2% 0.2%
REDWOOD $470,000 n/a 0.2%
SNAPFI, INC. $470,000 n/a 0.2%
Third Federal Savings and Loan Association of Cleveland $140,000 $450,000 221.4% 0.2%
EVERETT FINANCIAL, INC. $905,000 $445,000 -50.8% 0.2%
LONGBRIDGE FINANCIAL, LLC $380,000 $445,000 17.1% 0.2%
Merchants Mortgage & Trust Corporation $440,000 n/a 0.2%
ALAMEDA MORTGAGE CORPORATION $800,000 $430,000 -46.3% 0.2%
BEST FINANCE CAPITAL, INC. $425,000 n/a 0.2%
MORTGAGEONE, INC. $415,000 n/a 0.2%
VILLAGE CAPITAL MORTGAGE $855,000 $405,000 -52.6% 0.2%
FOUNDATION MORTGAGE CORPORATION $395,000 n/a 0.2%
Barrington Bank & Trust Company, N.A. $65,000 $385,000 492.3% 0.2%
Ameris Bank $375,000 n/a 0.2%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $415,000 $375,000 -9.6% 0.2%
HOMEXPRESS MORTGAGE CORP. $645,000 $365,000 -43.4% 0.2%
DRAPER AND KRAMER MORTGAGE CORP. $355,000 n/a 0.1%
PACIFIC RESIDENTIAL MORTGAGE, LLC $355,000 n/a 0.1%
Prosperity Home Mortgage, LLC $355,000 n/a 0.1%
Bank of England $345,000 n/a 0.1%
Equity Prime Mortgage LLC $1,425,000 $345,000 -75.8% 0.1%
DIRECTIONS EQUITY, LLC $335,000 n/a 0.1%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $335,000 n/a 0.1%
ML Mortgage Corp. $335,000 n/a 0.1%
USAA Federal Savings Bank $720,000 $335,000 -53.5% 0.1%
Educational Employees Credit Union $400,000 $330,000 -17.5% 0.1%
USAlliance Federal Credit Union $330,000 n/a 0.1%
HOMESIDE FINANCIAL, LLC $325,000 n/a 0.1%
Provident Credit Union $620,000 $325,000 -47.6% 0.1%
PLAZA HOME MORTGAGE, INC. $365,000 $315,000 -13.7% 0.1%
Hinsdale Bank & Trust Company $305,000 n/a 0.1%
CHURCHILL MORTGAGE CORPORATION $260,000 $295,000 13.5% 0.1%
ENVOY MORTGAGE, LTD $825,000 $295,000 -64.2% 0.1%
CTBC Bank Corp. (USA) $285,000 n/a 0.1%
GOOGAIN, INC. $355,000 $285,000 -19.7% 0.1%
MOUNTAIN WEST FINANCIAL, INC. $285,000 n/a 0.1%
PremierOne Credit Union $285,000 n/a 0.1%
UTILITIES EMPLOYEES CREDIT UNION $285,000 n/a 0.1%
BAY-VALLEY MORTGAGE GROUP $275,000 n/a 0.1%
Fremont Bank $2,440,000 $275,000 -88.7% 0.1%
Citadel Servicing Corporation $265,000 n/a 0.1%
Leader Bank $265,000 n/a 0.1%
NEXERA HOLDING LLC $2,845,000 $265,000 -90.7% 0.1%
City National Bank $255,000 n/a 0.1%
INTERCAP LENDING INC. $255,000 n/a 0.1%
ALLIANT CREDIT UNION $995,000 $250,000 -74.9% 0.1%
OPEN MORTGAGE, LLC $225,000 $245,000 8.9% 0.1%
Figure Lending LLC $705,000 $235,000 -66.7% 0.1%
Baxter Credit Union $45,000 $225,000 400.0% 0.1%
Greenbox Loans, Inc. $225,000 n/a 0.1%
Operating Engineers Local Union #3 $635,000 $225,000 -64.6% 0.1%
San Mateo Credit Union $225,000 n/a 0.1%
VANDERBILT MORTGAGE AND FINANCE, INC. $215,000 n/a 0.1%
GTE Federal Credit Union $210,000 n/a 0.1%
Signature Federal Credit Union $210,000 n/a 0.1%
North American Savings Bank, F.S.B. $195,000 n/a 0.1%
TRAVIS CREDIT UNION $190,000 n/a 0.1%
BETTER MORTGAGE CORPORATION $1,440,000 $185,000 -87.2% 0.1%
Golden Empire Mortgage, Inc. $405,000 $180,000 -55.6% 0.1%
Connexus Credit Union $175,000 n/a 0.1%
AMERICAN HERITAGE LENDING, INC. $165,000 n/a 0.1%
NEW WAVE LENDING GROUP INC $165,000 n/a 0.1%
Alaska USA Federal Credit Union $190,000 $155,000 -18.4% 0.1%
AMERITRUST MORTGAGE CORPORATION $155,000 n/a 0.1%
CBC Federal Credit Union $155,000 n/a 0.1%
NexBank $315,000 $155,000 -50.8% 0.1%
SCHOOLSFIRST $690,000 $150,000 -78.3% 0.1%
AmRes Corporation $145,000 n/a 0.1%
Citibank $1,010,000 $145,000 -85.6% 0.1%
General Mortgage Capital Corporation $145,000 n/a 0.1%
ROYAL UNITED MORTGAGE LLC $130,000 n/a 0.1%
SPRING EQ, LLC $1,220,000 $130,000 -89.3% 0.1%
Strong Home Mortgage, LLC $345,000 $115,000 -66.7% 0.0%
HighTechLending Inc $165,000 $105,000 -36.4% 0.0%
STAR ONE CREDIT UNION $1,325,000 $105,000 -92.1% 0.0%
Stifel Bank and Trust $105,000 n/a 0.0%
Mechanics Bank $2,115,000 $90,000 -95.7% 0.0%
SAN FRANCISCO FIRE CREDIT UNION $90,000 n/a 0.0%
VAL-CHRIS INVESTMENTS, INC. $85,000 n/a 0.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. $2,530,000 $75,000 -97.0% 0.0%
STANFORD Federal Credit Union $335,000 $75,000 -77.6% 0.0%
Bethpage Federal Credit Union $620,000 $45,000 -92.7% 0.0%
CHERRY CREEK MORTGAGE, LLC $710,000 $35,000 -95.1% 0.0%
Coastal Community Bank $25,000 n/a 0.0%

Sonora's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 20.5% market share. In second place, with 13.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $32,860,000 in loans. In third place, with 9.5%, is QUICKEN LOANS, LLC, having originated $22,955,000 in loans. In fourth place, with 2.7%, is AMERICAN PACIFIC MORTGAGE CORPORATION, having originated $6,505,000 in loans. In fifth place, with 2.1%, is Bank of America, having originated $5,120,000 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 $349,350 (7.5%) $423,627 (10.8%) 0.00 498
2018-08-01 $348,500 (7.2%) $422,071 (8.8%) 0.00 523
2018-09-01 $339,000 (6.1%) $415,236 (7.2%) 0.00 529
2018-10-01 $337,000 (6.3%) $407,192 (3.1%) 0.00 506
2018-11-01 $339,000 (9.7%) $405,325 (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 (0.1%) $420,551 (-0.7%) 0.00 613
2019-08-01 $346,636 (-0.5%) $416,210 (-1.4%) 0.00 630
2019-09-01 $342,341 (1.0%) $415,306 (0.0%) 0.00 626
2019-10-01 $342,477 (1.6%) $414,679 (1.8%) 0.00 613
2019-11-01 $339,000 (0.0%) $415,095 (2.4%) 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%) $540,663 (1.5%) 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 $427,500 (-2.9%) $530,216 (-2.1%) 0.00 286
2024-01-01 $430,000 (0.0%) $519,214 (-4.5%) 0.00 229
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
Sonora's median listing price for 2024-03-01 was $444,500, a difference of $-10,450 (-2.3%) versus the prior year and $21,000 versus the prior month.

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

Sonora's average listing price for 2024-03-01 was $537,855, a difference of $-33,758 (-5.9%) versus the prior year and $20,678 versus the prior month.

For the 2024-03-01 period, Sonora had 218 MLS listings, a difference of 13 listings (6%) versus the prior month and 68 listings (45%) 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 1,776 sqft
2018-09-01 0 days 1,792 sqft
2018-10-01 0 days 1,761 sqft
2018-11-01 0 days 1,784 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 1,698 sqft
2023-12-01 0 days 1,681 sqft
2024-01-01 0 days 1,659 sqft
2024-02-01 0 days 1,620 sqft
2024-03-01 0 days 1,685 sqft
Sonora's median listing age (time on market) for 2024-03-01 was 0 days.

Sonora's median square footage for active listings during the 2024-03-01 period was 1,685 sqft. One year prior, the average listing was 1,781 sqft.

Sonora, CA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 593 $184,945,000 $311,880
Cash Out Refi 113 $26,825,000 $237,389
Home Improvement 71 $6,965,000 $98,099
Other 68 $10,620,000 $156,176
Refi 48 $11,840,000 $246,667

Sonora's most frequently cited loan purpose was Home Purchase, with 593 originations. The 2nd most popular reason was Cash Out Refi, with 113 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 338 $103,810,000 $307,130
7-8% 247 $67,325,000 $272,571
Over 8% 150 $23,530,000 $156,867
5-6% 125 $41,485,000 $331,880
<2.5% 8 $80,000 $10,000
4-5% 3 $715,000 $238,333
3-4% 1 $115,000 $115,000
2.5-3% 1 $75,000 $75,000

During 2023, Sonora's most frequently originated rate bucket was 6-7%, with 338 originations.

Loan Sizing (Sonora, CA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 431 $126,525,000 $293,561
$100k-200k 188 $27,430,000 $145,904
$400k-600k 122 $56,820,000 $465,738
$100,000 or less 121 $6,865,000 $56,736
$600k-1000k 27 $18,235,000 $675,370
$Over $1MM 4 $5,320,000 $1,330,000

Sonora's loan sizing saw the bucket of loans from $200k-400k with 431 originations, totaling $126,525,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 308 $109,770,000 $356,396
60-80% 218 $71,310,000 $327,110
40-60% 119 $29,165,000 $245,084
Under 20% 111 $7,355,000 $66,261
20-40% 106 $15,560,000 $146,792
Over 100% 10 $3,620,000 $362,000

Sonora's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 308 originations, totaling $109,770,000 in origination value.