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
7.52%
for the week of 2026-11-05, compared to the national average of
7.18% for the same period.
The average rate for the prior week (2026-10-29) was
7.38% and
one month ago for the week of 2026-10-01, the
average rate was 7.32%.
Sonora's average rate one year ago was 6.41%.
For refis of the same type during the week of 2026-11-05, the average rate
was 7.38%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-11-05 | 7.18% |
| Sonora 30 Year Fixed Rate | 2026-11-05 | 7.52% |
| Sonora 30 Year Fixed Rate Refi | 2026-11-05 | 7.38% |
| Sonora 15 Year Fixed Rate | 2026-11-05 | 6.67% |
| Sonora 15 Year Fixed Rate Refi | 2026-11-05 | 6.47% |
| Sonora 30 Year FHA | 2026-11-05 | 6.89% |
| Sonora 30 Year FHA Refi | 2026-11-05 | 6.73% |
| Sonora 30 Year USDA | 2026-11-05 | 7% |
| Sonora 30 Year USDA Refi | 2026-11-05 | 6.8% |
| Sonora 30 Year VA | 2026-11-05 | 6.66% |
| Sonora 30 Year VA Refi | 2026-11-05 | 6.96% |
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.).
Sonora Average Closing Costs & Other Stats
Sonora, CA's 94 lenders originated 1,163
loans during 2025. The total origination value was $310,355,000, with an average loan value of
$266,857.
Sonora's average closing costs are $5,878.
The top Sonora lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
98 loans originated. Their average total fees are
$6,814, which is $363
higher than the next largest lender,
FAIRWAY INDEPENDENT MORTGAGE CORPORATION.
The lowest fee Sonora lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC ($5,426), The Loan Store, Inc. ($6,405), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($6,452), UNITED WHOLESALE MORTGAGE, LLC ($6,814) and MASON MCDUFFIE MORTGAGE CORPORATION ($7,163).
The lowest rate Sonora lenders (with over 10 loans originated) are
PENNYMAC LOAN SERVICES, LLC (6.52%), QUICKEN LOANS, LLC (6.63%), UNITED WHOLESALE MORTGAGE, LLC (6.79%), MASON MCDUFFIE MORTGAGE CORPORATION (6.81%) and The Loan Store, Inc. (6.89%).
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 | 2024 Loan Value | 2025 Loan Value | % Change | 2025 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $43,385,000 | $50,720,000 | 16.9% | 16.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $50,005,000 | $44,170,000 | -11.7% | 14.2% |
| QUICKEN LOANS, LLC | $30,260,000 | $21,455,000 | -29.1% | 6.9% |
| The Loan Store, Inc. | $4,445,000 | $8,180,000 | 84.0% | 2.6% |
| PENNYMAC LOAN SERVICES, LLC | $2,355,000 | $6,930,000 | 194.3% | 2.2% |
| Century Mortgage Company DBA Century Lending Company | $4,190,000 | $6,365,000 | 51.9% | 2.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $6,985,000 | $6,215,000 | -11.0% | 2.0% |
| GUARANTEED RATE, INC. | $2,510,000 | $5,695,000 | 126.9% | 1.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $8,900,000 | $5,685,000 | -36.1% | 1.8% |
| Bank of America | $4,425,000 | $5,195,000 | 17.4% | 1.7% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $4,125,000 | $5,175,000 | 25.5% | 1.7% |
| El Dorado Savings Bank, F.S.B. | $365,000 | $4,710,000 | 1,190.4% | 1.5% |
| U.S. Bank | $2,210,000 | $4,590,000 | 107.7% | 1.5% |
| CMG MORTGAGE, INC. | $885,000 | $3,855,000 | 335.6% | 1.2% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,245,000 | $3,730,000 | 199.6% | 1.2% |
| Bank of Stockton | $3,355,000 | $3,660,000 | 9.1% | 1.2% |
| GUILD MORTGAGE COMPANY | $5,805,000 | $3,510,000 | -39.5% | 1.1% |
| LOANDEPOT.COM, LLC | $2,130,000 | $3,385,000 | 58.9% | 1.1% |
| NEWREZ LLC | $1,330,000 | $3,320,000 | 149.6% | 1.1% |
| BROKER SOLUTIONS, INC. | $2,330,000 | $3,260,000 | 39.9% | 1.1% |
| SCENIC OAKS FUNDING, INC. | $1,185,000 | $3,110,000 | 162.4% | 1.0% |
| Equity Prime Mortgage LLC | $1,625,000 | $2,810,000 | 72.9% | 0.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $125,000 | $2,565,000 | 1,952.0% | 0.8% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,365,000 | $2,545,000 | 86.4% | 0.8% |
| Axos Bank | $2,305,000 | n/a | 0.7% | |
| Flagstar Bank, FSB | $1,515,000 | $2,275,000 | 50.2% | 0.7% |
| Umpqua Bank | $1,475,000 | $2,210,000 | 49.8% | 0.7% |
| FREEDOM MORTGAGE CORPORATION | $1,470,000 | $2,200,000 | 49.7% | 0.7% |
| Sierra Pacific Mortgage Company, Inc. | $1,985,000 | $2,130,000 | 7.3% | 0.7% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $4,305,000 | $2,090,000 | -51.5% | 0.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $165,000 | $2,035,000 | 1,133.3% | 0.7% |
| SUN WEST MORTGAGE COMPANY, INC. | $1,555,000 | $1,835,000 | 18.0% | 0.6% |
| Ameris Bank | $1,735,000 | n/a | 0.6% | |
| THE GOLDEN 1 | $1,250,000 | $1,665,000 | 33.2% | 0.5% |
| AMERICAN FINANCIAL NETWORK, INC. | $335,000 | $1,590,000 | 374.6% | 0.5% |
| 21ST MORTGAGE CORPORATION | $260,000 | $1,575,000 | 505.8% | 0.5% |
| General Mortgage Capital Corporation | $345,000 | $1,440,000 | 317.4% | 0.5% |
| LAKEVIEW LOAN SERVICING, LLC | $1,735,000 | $1,385,000 | -20.2% | 0.4% |
| SPRING EQ, LLC | $250,000 | $1,375,000 | 450.0% | 0.4% |
| A&D Mortgage LLC | $580,000 | $1,360,000 | 134.5% | 0.4% |
| Charles Schwab Bank, SSB | $265,000 | $1,335,000 | 403.8% | 0.4% |
| Wells Fargo Bank | $2,160,000 | $1,315,000 | -39.1% | 0.4% |
| UNION HOME MORTGAGE CORP. | $1,310,000 | n/a | 0.4% | |
| ALAMEDA MORTGAGE CORPORATION | $655,000 | $1,275,000 | 94.7% | 0.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,275,000 | n/a | 0.4% | |
| JPMorgan Chase Bank | $2,220,000 | $1,265,000 | -43.0% | 0.4% |
| FINANCE OF AMERICA REVERSE LLC | $1,120,000 | $1,200,000 | 7.1% | 0.4% |
| BETTER MORTGAGE CORPORATION | $580,000 | $1,180,000 | 103.4% | 0.4% |
| JMAC LENDING, INC. | $345,000 | $1,180,000 | 242.0% | 0.4% |
| LEADERONE FINANCIAL CORPORATION | $1,025,000 | $1,140,000 | 11.2% | 0.4% |
| Barrington Bank & Trust Company, N.A. | $1,140,000 | $1,135,000 | -0.4% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $2,005,000 | $1,120,000 | -44.1% | 0.4% |
| PNC Bank | $1,605,000 | $1,115,000 | -30.5% | 0.4% |
| Provident Credit Union | $1,100,000 | n/a | 0.4% | |
| STAR ONE CREDIT UNION | $540,000 | $1,080,000 | 100.0% | 0.3% |
| NFM, INC. | $245,000 | $1,045,000 | 326.5% | 0.3% |
| Paramount Residential Mortgage Group, Inc. | $1,075,000 | $1,040,000 | -3.3% | 0.3% |
| Mortgage Research Center, LLC | $2,090,000 | $1,000,000 | -52.2% | 0.3% |
| ZILLOW HOME LOANS, LLC | $955,000 | n/a | 0.3% | |
| MACKILLIE INCORPORATED | $925,000 | n/a | 0.3% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $1,215,000 | $915,000 | -24.7% | 0.3% |
| Cornerstone First Mortgage, Inc | $890,000 | n/a | 0.3% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $835,000 | n/a | 0.3% | |
| GENISYS | $815,000 | n/a | 0.3% | |
| PLAZA HOME MORTGAGE, INC. | $670,000 | $815,000 | 21.6% | 0.3% |
| MOVEMENT MORTGAGE, LLC | $370,000 | $810,000 | 118.9% | 0.3% |
| Figure Lending LLC | $1,015,000 | $775,000 | -23.6% | 0.2% |
| LENDINGHOME FUNDING CORPORATION | $920,000 | $775,000 | -15.8% | 0.2% |
| Performance Financial, Inc. | $770,000 | n/a | 0.2% | |
| Fremont Bank | $265,000 | $760,000 | 186.8% | 0.2% |
| The Federal Savings Bank | $1,165,000 | $740,000 | -36.5% | 0.2% |
| Hometown Equity Mortgage, LLC | $740,000 | $720,000 | -2.7% | 0.2% |
| SUMMIT FUNDING, INC. | $225,000 | $720,000 | 220.0% | 0.2% |
| TRIAD FINANCIAL SERVICES, INC. | $1,175,000 | $715,000 | -39.1% | 0.2% |
| DAS Acquisition Company, LLC | $695,000 | n/a | 0.2% | |
| AMERISAVE MORTGAGE CORPORATION | $600,000 | $685,000 | 14.2% | 0.2% |
| Truist | $685,000 | n/a | 0.2% | |
| LONGBRIDGE FINANCIAL, LLC | $420,000 | $680,000 | 61.9% | 0.2% |
| LAND HOME FINANCIAL SERVICES, INC. | $590,000 | $670,000 | 13.6% | 0.2% |
| OCMBC, INC. | $345,000 | $640,000 | 85.5% | 0.2% |
| PIKE CREEK MORTGAGE SERVICES, INC. | $640,000 | n/a | 0.2% | |
| S1L, Inc. | $570,000 | $610,000 | 7.0% | 0.2% |
| Bethpage Federal Credit Union | $605,000 | n/a | 0.2% | |
| Carrington Mortgage Services, LLC | $560,000 | n/a | 0.2% | |
| Golden Empire Mortgage, Inc. | $920,000 | $560,000 | -39.1% | 0.2% |
| Franklin Loan Corporation | $520,000 | n/a | 0.2% | |
| NEW WAVE LENDING GROUP INC | $505,000 | n/a | 0.2% | |
| GENEVA FINANCIAL, LLC | $465,000 | n/a | 0.1% | |
| Discover Bank | $470,000 | $450,000 | -4.3% | 0.1% |
| M&T Bank | $440,000 | n/a | 0.1% | |
| NexBank | $575,000 | $435,000 | -24.3% | 0.1% |
| Servion, Inc. | $425,000 | n/a | 0.1% | |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $420,000 | n/a | 0.1% | |
| SCHOOLSFIRST | $55,000 | $420,000 | 663.6% | 0.1% |
| AMERITRUST MORTGAGE CORPORATION | $415,000 | n/a | 0.1% | |
| EVERETT FINANCIAL, INC. | $405,000 | n/a | 0.1% | |
| ARC HOME LLC | $400,000 | n/a | 0.1% | |
| PACIFIC SERVICE | $470,000 | $400,000 | -14.9% | 0.1% |
| LOANPAL, LLC | $385,000 | $385,000 | 0.0% | 0.1% |
| USAA Federal Savings Bank | $610,000 | $385,000 | -36.9% | 0.1% |
| VAL-CHRIS INVESTMENTS, INC. | $230,000 | $380,000 | 65.2% | 0.1% |
| City National Bank | $375,000 | n/a | 0.1% | |
| Granite Community Bank | $375,000 | n/a | 0.1% | |
| Boeing Employees Credit Union | $365,000 | n/a | 0.1% | |
| Farmers & Merchants Bank of Central California | $365,000 | n/a | 0.1% | |
| UNCLE Credit Union | $185,000 | $365,000 | 97.3% | 0.1% |
| LOGIX FEDERAL CREDIT UNION | $360,000 | n/a | 0.1% | |
| Merchants Mortgage & Trust Corporation | $360,000 | n/a | 0.1% | |
| Encompass Lending Group, LP | $355,000 | n/a | 0.1% | |
| First Bank | $355,000 | n/a | 0.1% | |
| STARBOARD FINANCIAL MANAGEMENT, LLC | $175,000 | $355,000 | 102.9% | 0.1% |
| PLANET HOME LENDING, LLC | $350,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $595,000 | $345,000 | -42.0% | 0.1% |
| Commerce Home Mortgage, Inc. | $435,000 | $345,000 | -20.7% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $345,000 | n/a | 0.1% | |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $1,210,000 | $340,000 | -71.9% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $710,000 | $340,000 | -52.1% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $375,000 | $335,000 | -10.7% | 0.1% |
| FidelityLending Solutions Inc. dba Wholesale Mortgage Bankers | $335,000 | n/a | 0.1% | |
| ML Mortgage Corp. | $335,000 | n/a | 0.1% | |
| LANTZMAN MANAGEMENT, INC. | $650,000 | $325,000 | -50.0% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $325,000 | n/a | 0.1% | |
| HOMEXPRESS MORTGAGE CORP. | $320,000 | n/a | 0.1% | |
| NEXERA HOLDING LLC | $185,000 | $315,000 | 70.3% | 0.1% |
| RBC Bank, (Georgia) | $315,000 | n/a | 0.1% | |
| Firefighters First Federal Credit Union | $855,000 | $310,000 | -63.7% | 0.1% |
| USAlliance Federal Credit Union | $305,000 | n/a | 0.1% | |
| PANORAMA MORTGAGE GROUP, LLC | $300,000 | n/a | 0.1% | |
| EQUITY WAVE LENDING, INC. | $295,000 | n/a | 0.1% | |
| Farm Credit Mid-America, ACA | $455,000 | $295,000 | -35.2% | 0.1% |
| FAY SERVICING, LLC | $295,000 | n/a | 0.1% | |
| Magnolia Bank | $285,000 | $295,000 | 3.5% | 0.1% |
| ALLIANT CREDIT UNION | $125,000 | $285,000 | 128.0% | 0.1% |
| Operating Engineers Local Union #3 | $280,000 | n/a | 0.1% | |
| VILLAGE CAPITAL MORTGAGE | $335,000 | $275,000 | -17.9% | 0.1% |
| GTE Federal Credit Union | $270,000 | n/a | 0.1% | |
| CHURCHILL MORTGAGE CORPORATION | $405,000 | $265,000 | -34.6% | 0.1% |
| COASTHILLS | $265,000 | n/a | 0.1% | |
| Gateway First Bank | $255,000 | n/a | 0.1% | |
| UBS Bank USA | $255,000 | n/a | 0.1% | |
| BMO Harris Bank | $145,000 | $240,000 | 65.5% | 0.1% |
| Farmers Bank & Trust | $225,000 | n/a | 0.1% | |
| SOUTHLAND CREDIT UNION | $225,000 | n/a | 0.1% | |
| Coastal Community Bank | $350,000 | $220,000 | -37.1% | 0.1% |
| Vellum Mortgage, Inc. | $215,000 | n/a | 0.1% | |
| REDWOOD | $205,000 | n/a | 0.1% | |
| MYCUMORTGAGE, LLC | $195,000 | n/a | 0.1% | |
| NBKC BANK | $195,000 | n/a | 0.1% | |
| Zions Bank | $195,000 | n/a | 0.1% | |
| Comerica Bank | $75,000 | $190,000 | 153.3% | 0.1% |
| CITIZENS EQUITY FIRST | $75,000 | $185,000 | 146.7% | 0.1% |
| LENDSURE MORTGAGE CORP. | $185,000 | n/a | 0.1% | |
| MORTGAGEONE, INC. | $435,000 | $175,000 | -59.8% | 0.1% |
| Sierra Central Credit Union | $295,000 | $175,000 | -40.7% | 0.1% |
| PATELCO | $185,000 | $165,000 | -10.8% | 0.1% |
| Gain Federal Credit Union | $155,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $390,000 | $150,000 | -61.5% | 0.0% |
| Banner Bank | $135,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $135,000 | $135,000 | 0.0% | 0.0% |
| AMWEST FUNDING CORP. | $235,000 | $125,000 | -46.8% | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $125,000 | n/a | 0.0% | |
| Mechanics Bank | $415,000 | $110,000 | -73.5% | 0.0% |
| HOMESIDE FINANCIAL, LLC | $225,000 | $105,000 | -53.3% | 0.0% |
| TECHNOLOGY | $110,000 | $105,000 | -4.5% | 0.0% |
| KINECTA | $95,000 | n/a | 0.0% | |
| AMERICAN INTERNET MORTGAGE, INC. | $75,000 | n/a | 0.0% | |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | $75,000 | n/a | 0.0% | |
| 1ST UNITED SERVICES CREDIT UNION | $65,000 | n/a | 0.0% | |
| CHEVRON | $65,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $25,000 | $65,000 | 160.0% | 0.0% |
| UMB Bank | $65,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $55,000 | n/a | 0.0% |
Sonora's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 16.3% market share. In second place, with 14.2%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $44,170,000 in loans. In third place, with 6.9%, is QUICKEN LOANS, LLC, having originated $21,455,000 in loans. In fourth place, with 2.6%, is The Loan Store, Inc., having originated $8,180,000 in loans. In fifth place, with 2.2%, is PENNYMAC LOAN SERVICES, LLC, having originated $6,930,000 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 | $448,000 (32.4%) | $522,519 (23.0%) | 0.00 | 178 |
| 2021-06-01 | $453,450 (26.1%) | $532,522 (22.0%) | 0.00 | 198 |
| 2021-07-01 | $449,950 (21.6%) | $532,994 (19.5%) | 0.00 | 206 |
| 2021-08-01 | $439,788 (15.9%) | $518,971 (12.4%) | 0.00 | 230 |
| 2021-09-01 | $432,250 (14.7%) | $517,636 (-4.8%) | 0.00 | 248 |
| 2021-10-01 | $435,000 (16.0%) | $534,488 (-1.6%) | 0.00 | 264 |
| 2021-11-01 | $453,750 (14.3%) | $566,039 (14.9%) | 0.00 | 238 |
| 2021-12-01 | $479,622 (19.9%) | $594,678 (15.1%) | 0.00 | 186 |
| 2022-01-01 | $495,950 (14.0%) | $627,022 (15.2%) | 0.00 | 130 |
| 2022-02-01 | $493,000 (4.9%) | $638,824 (8.5%) | 0.00 | 117 |
| 2022-03-01 | $499,250 (5.2%) | $624,952 (11.7%) | 0.00 | 139 |
| 2022-04-01 | $491,500 (9.2%) | $595,714 (11.5%) | 0.00 | 159 |
| 2022-05-01 | $480,167 (7.2%) | $1,251,470 (139.5%) | 0.00 | 213 |
| 2022-06-01 | $472,500 (4.2%) | $579,121 (8.8%) | 0.00 | 265 |
| 2022-07-01 | $459,000 (2.0%) | $549,897 (3.2%) | 0.00 | 314 |
| 2022-08-01 | $449,450 (2.2%) | $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 (3.2%) | $534,937 (0.1%) | 0.00 | 314 |
| 2022-11-01 | $434,500 (-4.2%) | $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 (-13.3%) | $543,852 (-13.3%) | 0.00 | 199 |
| 2023-02-01 | $449,000 (-8.9%) | $558,531 (-12.6%) | 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 | $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 | $464,750 (3.5%) | $557,834 (3.2%) | 0.00 | 434 |
| 2024-10-01 | $454,250 (1.2%) | $547,730 (2.2%) | 0.00 | 444 |
| 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 |
| 2025-05-01 | $455,900 (-2.0%) | $543,812 (-5.4%) | 0.00 | 468 |
| 2025-06-01 | $455,675 (-3.7%) | $546,703 (-4.8%) | 0.00 | 516 |
| 2025-07-01 | $449,000 (-3.4%) | $526,777 (-6.4%) | 0.00 | 547 |
| 2025-08-01 | $449,000 (-4.3%) | $525,770 (-6.4%) | 0.00 | 543 |
| 2025-09-01 | $435,000 (-6.4%) | $516,247 (-7.5%) | 0.00 | 510 |
| 2025-10-01 | $431,500 (-5.0%) | $515,262 (-5.9%) | 0.00 | 479 |
| 2025-11-01 | $425,000 (-5.1%) | $521,904 (-1.3%) | 0.00 | 432 |
| 2025-12-01 | $415,500 (-3.0%) | $519,992 (0.9%) | 0.00 | 373 |
| 2026-01-01 | $413,331 (-2.1%) | $521,899 (2.8%) | 0.00 | 317 |
| 2026-02-01 | $413,331 (-3.7%) | $525,275 (0.0%) | 0.00 | 304 |
| 2026-03-01 | $433,250 (0.8%) | $532,952 (-0.6%) | 0.00 | 325 |
| 2026-04-01 | $437,000 (-2.9%) | $536,178 (-0.8%) | 0.00 | 391 |
| 2026-05-01 | $435,000 (-4.6%) | $545,035 (0.2%) | 0.00 | 427 |
| 2026-06-01 | $429,999 (-5.6%) | $537,875 (-1.6%) | 0.00 | 472 |
| 2026-07-01 | $431,750 (-3.8%) | $534,468 (1.5%) | 0.00 | 494 |
| 2026-08-01 | $439,000 (-2.2%) | $536,116 (2.0%) | 0.00 | 505 |
| 2026-09-01 | $439,500 (1.0%) | $540,599 (4.7%) | 0.00 | 507 |
| 2026-10-01 | $445,000 (3.1%) | $545,485 (5.9%) | 0.00 | 474 |
Sonora's median listing price for 2026-10-01 was $445,000, a difference of
$13,500
(3.1%) versus the prior year and
$5,500 versus the prior month.
Sonora's median listing price comes in at 0% of the national average.
Sonora's average listing price for 2026-10-01 was $545,485, a difference of $30,223 (5.9%) versus the prior year and $4,886 versus the prior month.
For the 2026-10-01 period, Sonora had 474 MLS listings, a difference of -33 listings (-7%) versus the prior month and -5 listings (-1%) versus the prior year.
Sonora's median listing price comes in at 0% of the national average.
Sonora's average listing price for 2026-10-01 was $545,485, a difference of $30,223 (5.9%) versus the prior year and $4,886 versus the prior month.
For the 2026-10-01 period, Sonora had 474 MLS listings, a difference of -33 listings (-7%) versus the prior month and -5 listings (-1%) 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 | 1,793 sqft |
| 2021-07-01 | 0 days | 1,778 sqft |
| 2021-08-01 | 0 days | 1,722 sqft |
| 2021-09-01 | 0 days | 1,720 sqft |
| 2021-10-01 | 0 days | 1,713 sqft |
| 2021-11-01 | 0 days | 1,811 sqft |
| 2021-12-01 | 0 days | 1,848 sqft |
| 2022-01-01 | 0 days | 1,865 sqft |
| 2022-02-01 | 0 days | 1,805 sqft |
| 2022-03-01 | 0 days | 1,882 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 | 1,799 sqft |
| 2024-10-01 | 0 days | 1,725 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 |
| 2025-05-01 | 0 days | 1,721 sqft |
| 2025-06-01 | 0 days | 1,731 sqft |
| 2025-07-01 | 0 days | 1,685 sqft |
| 2025-08-01 | 0 days | 1,660 sqft |
| 2025-09-01 | 0 days | 1,658 sqft |
| 2025-10-01 | 0 days | 1,668 sqft |
| 2025-11-01 | 0 days | 1,660 sqft |
| 2025-12-01 | 0 days | 1,646 sqft |
| 2026-01-01 | 0 days | 1,648 sqft |
| 2026-02-01 | 0 days | 1,662 sqft |
| 2026-03-01 | 0 days | 1,685 sqft |
| 2026-04-01 | 0 days | 1,709 sqft |
| 2026-05-01 | 0 days | 1,700 sqft |
| 2026-06-01 | 0 days | 1,703 sqft |
| 2026-07-01 | 0 days | 1,695 sqft |
| 2026-08-01 | 0 days | 1,694 sqft |
| 2026-09-01 | 0 days | 1,686 sqft |
| 2026-10-01 | 0 days | 1,716 sqft |
Sonora's median listing age (time on market) for 2026-10-01 was 0 days.
Sonora's median square footage for active listings during the 2026-10-01 period was 1,716 sqft. One year prior, the average listing was 1,668 sqft.
Sonora's median square footage for active listings during the 2026-10-01 period was 1,716 sqft. One year prior, the average listing was 1,668 sqft.
Sonora, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 647 | $202,455,000 | $312,913 |
| Cash Out Refi | 173 | $38,935,000 | $225,058 |
| Refi | 137 | $44,905,000 | $327,774 |
| Other | 116 | $12,360,000 | $106,552 |
| Home Improvement | 89 | $11,375,000 | $127,809 |
| NA | 1 | $325,000 | $325,000 |
Sonora's most frequently cited loan purpose was Home Purchase, with 647 originations. The 2nd most popular reason was Cash Out Refi, with 173 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 509 | $153,835,000 | $302,230 |
| 7-8% | 207 | $61,365,000 | $296,449 |
| Over 8% | 205 | $23,375,000 | $114,024 |
| 5-6% | 179 | $59,325,000 | $331,425 |
| <2.5% | 16 | $1,060,000 | $66,250 |
| 4-5% | 9 | $2,505,000 | $278,333 |
| 2.5-3% | 1 | $155,000 | $155,000 |
During 2025, Sonora's most frequently originated rate bucket was 6-7%, with 509 originations.
Loan Sizing (Sonora, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 550 | $163,730,000 | $297,691 |
| $100,000 or less | 209 | $11,855,000 | $56,722 |
| $100k-200k | 201 | $29,535,000 | $146,940 |
| $400k-600k | 171 | $78,405,000 | $458,509 |
| $600k-1000k | 27 | $19,225,000 | $712,037 |
| $Over $1MM | 5 | $7,605,000 | $1,521,000 |
Sonora's loan sizing saw the bucket of loans from $200k-400k with 550 originations, totaling $163,730,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 383 | $139,765,000 | $364,922 |
| 60-80% | 286 | $89,140,000 | $311,678 |
| Under 20% | 184 | $10,740,000 | $58,370 |
| 20-40% | 129 | $19,635,000 | $152,209 |
| 40-60% | 117 | $32,605,000 | $278,675 |
| Over 100% | 16 | $6,110,000 | $381,875 |
Sonora's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 383 originations, totaling $139,765,000 in origination value.