Name of the lender

Sonoma Federal Credit UnionMortgage rates, total loan costs and denial rate, 2025

HMDA year2025

Years filed2025

Head office: Santa Rosa, CA
Reporting agency: National Credit Union Administration (NCUA)
Legal Entity Identifier (LEI)

Figures by state (CSV)

Sonoma Federal Credit Union reported 640 mortgage applications in the HMDA data of 2025.

It originated 155 loans in 2025, for $26.6 million in total.

The lender filed the interest rate as “Exempt” for all of its 155 loans originated in 2025. This page shows no median interest rate.

This page shows no median total loan costs, because fewer than 20 loans report the amount.

It denied 42.3% of the applications that it decided in 2025, and the national denial rate was 22.6%.

Filed figures of Sonoma Federal Credit Union, 2025
Figure	This lender	United States
Applications	640Under 0.1% of the US total	11,766,671
Loans originated	155$26.6 million	6,827,891
Median interest rate	ExemptWhy there is no median	6.375%
Median total loan costs	Exempt	$6,413
Denial rate	42.3%	22.6%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

Since the last update

No change on record

No tracked figure of this lender has changed since this site started its record. The record compares each update of the HMDA data with the update before it. The record of updates.

PricingMedians of 2025 loans

Median interest rate, 2025Exempt

The lender filed the interest rate as “Exempt” for all of its 155 loans originated in 2025.

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians.

The applications, the loans originated and the denial rate on this page do not need the exempt fields.

A lender with a partial exemption can file “Exempt” in place of the interest rate, the total loan costs and some other fields. The glossary has the rule.

If a financial institution is eligible for a partial exemption for a specific transaction, then the financial institution is not required to collect, record, or report certain data points for the transaction.
Source: CFPB, A Beginner’s Guide to Accessing and Using Home Mortgage Disclosure Act Data (June 2022), copied on 2 Oct 2026.

Action takenHMDA codes and labels

Records of Sonoma Federal Credit Union by the action taken, 2025
Action taken	Records	Share of records	US share
1Loan originated	155	24.2%	50.4%
2Application approved but not accepted	214	33.4%	3.1%
3Application denied	271	42.3%	15.6%
4Application withdrawn by applicant	0	0.0%	12.6%
5File closed for incompleteness	0	0.0%	5.1%
6Purchased loan	0	0.0%	11.7%
7Preapproval request denied	0	0.0%	0.4%
8Preapproval request approved but not accepted	0	0.0%	1.1%

The denial rate is code 3 divided by codes 1, 2 and 3: the applications that the lender decided. Codes 4 and 5 are applications with no decision. Code 6 is a loan that the lender bought.

Denial reasonsFirst reason coded

Denials of Sonoma Federal Credit Union by the first reason that it coded, 2025
Denial reason	Denials	Share	US share
1Debt-to-income ratio	140	51.7%	32.7%
2Employment history	7	2.6%	0.9%
3Credit history	36	13.3%	25.6%
4Collateral	6	2.2%	13.8%
5Insufficient cash (downpayment, closing costs)	0	0.0%	2.3%
6Unverifiable information	0	0.0%	4.2%
7Credit application incomplete	2	0.7%	12.0%
8Mortgage insurance denied	0	0.0%	0.0%
9Other	80	29.5%	8.5%

A lender can code up to four reasons for a denial. This table counts the first reason only.

Loan types and purposesLoans of 2025

Applications of Sonoma Federal Credit Union by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	640	155	42.3%US 23.4%

Applications of Sonoma Federal Credit Union by loan purpose
Loan purpose	Applications	Loans originated	Share of loans
Home purchase	399	73	47.1%
Home improvement	0	0	0.0%
Refinancing	39	6	3.9%
Cash-out refinancing	0	0	0.0%
Other purpose	202	76	49.0%

The denial rate of a loan type is the denied applications divided by the decided applications of that type. It is "n/a" under 25 decided applications.

States where it lends1 state with 25 applications or more

Sonoma Federal Credit Union by state, 2025In order of the names. A state with 100 applications or more links to the lender's page for the state.
State	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate
California	580	155	n/a	n/a	41.6%

Figures by yearHMDA 2022 to 2025

Sonoma Federal Credit Union by HMDA year"n/a" shows a year with fewer than 25 applications, or a year that this site does not process.
Year	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate	Records filed
2025	640	155	n/a	n/a	42.3%	640
2024	n/a	n/a	n/a	n/a	n/a	n/a
2023	n/a	n/a	n/a	n/a	n/a	n/a
2022	n/a	n/a	n/a	n/a	n/a	n/a

Records filed is the count on the lender's HMDA transmittal sheet. It includes purchased loans and requests for preapproval.

Denial rate by year: Sonoma Federal Credit Union and the United States

Sonoma Federal Credit UnionUnited States

Peer lenders12 lenders

These lenders originated a count of loans close to the count of this lender, in the same states. The site compares the applications of each lender by state. The list is not a ranking.

Arixa Enhanced Income Fund, LPPhoenix, AZ
Caltech Employees Federal Credit UnionLa Canada Flintridge, CA
CommonWealth Central Credit UnionSan Jose, CA
Community First Credit UnionSanta Rosa, CA
Ennkar, Inc.Orange, CA
First City Credit UnionAltadena, CA
First Nations Home Finance CorporationSan Diego, CA
Gain Federal Credit UnionBurbank, CA
Operating Engineers Federal Credit UnionLivermore, CA
Provident Savings Bank, F.S.B.Riverside, CA
Strata Credit UnionBakersfield, CA
USC Credit UnionLos Angeles, CA

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "Sonoma Federal Credit Union mortgage rates, 2025", https://lenderregister.com/lender/254900x35mrl59hp3350-sonoma-federal-credit-union/
Lender: Sonoma Federal Credit Union, LEI 254900X35MRL59HP3350
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025, snapshot dataset
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. The count of records filed comes from the transmittal sheets of 2025 to 2025. The FFIEC and the CFPB publish them at ffiec.cfpb.gov. The name, the head office and the agency are from the newest transmittal sheet of the LEI.

This site withholds a figure with fewer than 25 applications and a median with fewer than 20 loans. Method of the figures. Terms. Report an error.

Questions

How many loans did Sonoma Federal Credit Union buy from other lenders in 2025?: It reported no purchased loans. HMDA counts a purchased loan apart from the applications, so the denial rate does not include it.
Which denial reasons did Sonoma Federal Credit Union code most often in 2025?: The first reasons that it coded most often were debt-to-income ratio (140), other (80) and credit history (36).
In which states did Sonoma Federal Credit Union originate the most loans in 2025?: It had 25 applications or more in one state only: California, with 155 loans originated.
Which loan types did Sonoma Federal Credit Union originate in 2025?: All its loans were of one type: 155 Conventional.