Name of the lender

Sonoma Federal Credit Union in CaliforniaMortgage rates, total loan costs and denial rate for homes in California, 2025

HMDA year2025

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

Sonoma Federal Credit Union reported 580 applications for homes in California in the HMDA data of 2025.

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

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

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

It denied 41.6% of the applications that it decided in the state in 2025, and the state denial rate was 22.4%.

Filed figures of Sonoma Federal Credit Union in California, 2025
Figure	In CA	Lender, all states	CA, all lenders
Applications	580	640	1,018,191
Loans originated	155	155	572,268
Median interest rate	n/a	n/a	6.375%
Median total loan costs	n/a	n/a	$8,053
Denial rate	41.6%	42.3%	22.4%

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.

PricingMedians of 2025 loans in CA

Median interest rate in CAExempt

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

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.

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. A median needs 20 loans.

Action taken and loan types

Records in California by the action taken
Action taken	Records	Share
1Loan originated	155	26.7%
2Application approved but not accepted	184	31.7%
3Application denied	241	41.6%
4Application withdrawn by applicant	0	0.0%
5File closed for incompleteness	0	0.0%
6Purchased loan	0	0.0%
7Preapproval request denied	0	0.0%
8Preapproval request approved but not accepted	0	0.0%

Applications in California by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	580	155	41.6%

Counties in California

No county in California has 25 applications of this lender or more.

Figures by year

Sonoma Federal Credit Union in California by HMDA year"n/a" shows a year with fewer than 25 applications in the state.
Year	Applications	Loans originated	Amount	Median interest rate	Median total loan costs	Denial rate
2025	580	155	$26.6 million	n/a	n/a	41.6%
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

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender in this state, 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 in California, 2025", https://lenderregister.com/lender/254900x35mrl59hp3350-sonoma-federal-credit-union/ca/
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
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. They are the records of this LEI for homes in California. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.

Questions

What share of the loans of Sonoma Federal Credit Union were in California in 2025?: 155 of its loans originated, out of 155 in all states. That is 100.0%.
Which loan types did Sonoma Federal Credit Union originate in California in 2025?: All its loans in the state were of one type: 155 conventional.
What share of the applications in California did Sonoma Federal Credit Union report in 2025?: 0.1%: 580 out of 1,018,191 applications of all lenders in the state.
How many lenders have 25 applications or more in California?: 615 lenders have 25 applications or more in California in 2025. The state page lists each lender.