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State markets/California/Sonoma County

COUNTY MORTGAGE MARKET · FIPS 06097

Sonoma County, California

Who lends in Sonoma County, how much, and to whom — built from HMDA public mortgage disclosure data, U.S. Census ACS housing estimates and FEMA's National Risk Index.

Origination volume · 2025

$4.15B

Origination volumeSum of loan amount over HMDA records with action taken = 1.

Originations · 2025

7,921

OriginationsCount of HMDA records with action taken = 1 (loan originated) in the activity year.

Denial rate · 2025

14.7%

Denial rateApplications denied (action taken = 3) divided by applications acted upon (actions 1-5).

Lenders active · 2025

389

Lenders activeDistinct LEIs with at least one application acted upon (HMDA action taken 1-5, 7 or 8) in the county and year.

Market structure

How spread out lending is across the 389 lenders that originated in Sonoma County in 2025. HHI is the Herfindahl-Hirschman index over lender shares.

Concentration (HHI)

296

unconcentrated

Top-5 lender share

31.1%

of originations

Purchase

57.2%

3,542 loans

Refinance

42.8%

2,655 loans

Origination trend

Annual mortgage origination volume and loan count in Sonoma County, 2023–2025. Pick a window, export the graph or its data, or click a year to open every record behind it.

Lenders in Sonoma County

Sort, filter, add columns, export, or open a row for the lender's card. Each row links to the lender's company page and to its Sonoma County loan records. The panel states which source answered and exactly which lenders that source covers.

ORIGINATION FLOOR
Hide the long tail of lenders with only a handful of loans here.
FULL RECORD LIST FOR SONOMA COUNTY →

TOP TEN LENDERS IN SONOMA COUNTY · 10

The ten largest lenders by origination volume — the precomputed county leaderboard, not the whole market.

1–10 OF 10 LENDERS

Loading every lender that acted on an application in this county. The rows below are the precomputed county leaderboard — the ten largest by volume, not the whole market.

659$372.2M$372.2M originated in Sonoma County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,419$369.8M$369.8M originated in Sonoma County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
558$239.6M$239.6M originated in Sonoma County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
3$159.0M$159.0M originated in Sonoma County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
249$149.0M$149.0M originated in Sonoma County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
137$140.0M$140.0M originated in Sonoma County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
166$117.3M$117.3M originated in Sonoma County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
229$114.8M$114.8M originated in Sonoma County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
141$81.0M$81.0M originated in Sonoma County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
151$78.1M$78.1M originated in Sonoma County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—

Source: the precomputed county lender leaderboard (lender_county_year) — its ten largest lenders by origination volume, not the county. As of HMDA activity year 2025. Denial rate = denials / decisioned applications (originated + approved-but-not-accepted + denied).

ZIP areas in Sonoma County

All 40 ZIP Code Tabulation Areas that touch Sonoma County, built by grouping the county's census tracts through the Census 2020 crosswalk. A ZCTA approximates a USPS ZIP code; HMDA itself reports no postal geography, so each row opens the tracts behind it, where the records are exact.

TRACT FLOOR
Hide the ZIP areas that only clip a corner of this county.
40 OF 40 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1313 of the 24 Sonoma County tracts this ZIP area touches sit mostly inside it.45,22338.3%10,794——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 15 Sonoma County tracts this ZIP area touches sit mostly inside it.44,16349.3%9,458——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 13 Sonoma County tracts this ZIP area touches sit mostly inside it.42,65452.2%8,836——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 12 Sonoma County tracts this ZIP area touches sit mostly inside it.42,12271.6%6,566——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 12 Sonoma County tracts this ZIP area touches sit mostly inside it.38,76538.6%9,509——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 11 Sonoma County tracts this ZIP area touches sit mostly inside it.37,63447.5%6,802——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 12 Sonoma County tracts this ZIP area touches sit mostly inside it.34,40638.0%10,070——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 13 Sonoma County tracts this ZIP area touches sit mostly inside it.31,59628.8%7,540——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 14 Sonoma County tracts this ZIP area touches sit mostly inside it.31,15922.4%9,242——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 10 Sonoma County tracts this ZIP area touches sit mostly inside it.23,49539.0%6,127——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 8 Sonoma County tracts this ZIP area touches sit mostly inside it.21,43332.2%4,542——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 11 Sonoma County tracts this ZIP area touches sit mostly inside it.21,19630.0%6,020——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 12 Sonoma County tracts this ZIP area touches sit mostly inside it.15,38444.0%4,270——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 8 Sonoma County tracts this ZIP area touches sit mostly inside it.14,05742.2%2,535——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Sonoma County tracts this ZIP area touches sit mostly inside it.10,39445.3%2,656——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Sonoma County tracts this ZIP area touches sit mostly inside it.9,14733.9%2,259——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 6 Sonoma County tracts this ZIP area touches sit mostly inside it.5,59522.8%1,927——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 6 Sonoma County tracts this ZIP area touches sit mostly inside it.4,19329.0%1,423——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 7 Sonoma County tracts this ZIP area touches sit mostly inside it.3,86027.0%1,130——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Sonoma County tracts this ZIP area touches sit mostly inside it.3,75817.9%1,172——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Sonoma County tracts this ZIP area touches sit mostly inside it.3,69825.1%1,326——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 5 Sonoma County tracts this ZIP area touches sit mostly inside it.3,39937.5%985——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Sonoma County tracts this ZIP area touches sit mostly inside it.78717.1%342——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Sonoma County tracts this ZIP area touches sit mostly inside it.74515.2%314——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 3 tracts of Sonoma County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Sonoma County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Sonoma County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Sonoma County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Sonoma County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Sonoma County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Sonoma County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Sonoma County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Sonoma County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 3 tracts of Sonoma County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Sonoma County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 4 tracts of Sonoma County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Sonoma County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Sonoma County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Sonoma County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Sonoma County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.

121 of Sonoma County’s 122 census tracts are grouped into the ZIP areas above; the other 1 lie in no ZCTA at all — water, parkland or unpopulated area the Census leaves outside every ZIP polygon — and are listed in the census-tract table below. The two add up to the county exactly, because each tract is counted once. A ZCTA — ZIP Code Tabulation Area — is the U.S. Census Bureau's area approximation of a USPS ZIP code, not the ZIP code itself. HMDA reports no postal geography at all, so these rows are census tracts grouped by the Census 2020 tract-to-ZCTA relationship file: each tract is counted once, in the single ZCTA covering the most of its land. Housing figures are HMDA tract attributes for activity year 2025, summed over the tracts each ZIP area owns — a ZIP area that owns no tract shows an em-dash, never a zero.

Census tracts in Sonoma County

All 122 tracts, with the FFIEC income character and HMDA housing attributes of each. Open a tract for its own lender ranking, or open its records directly.

122 OF 122 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Upper131.5%2,14828.9%OPEN →
Middle94.8%4,52926.8%OPEN →
Middle112.6%3,55926.6%OPEN →
Upper135.0%3,97732.6%OPEN →
—0.0%1,24716.5%OPEN →
Middle105.4%4,01316.8%OPEN →
Middle101.5%5,83447.6%OPEN →
Moderate74.8%5,35368.7%OPEN →
Middle92.5%3,74644.7%OPEN →
Upper175.9%2,45719.7%OPEN →
Upper141.3%1,73642.2%OPEN →
Middle83.3%4,41151.5%OPEN →
Middle96.3%4,34735.3%OPEN →
Upper132.2%7,27741.1%OPEN →
Upper144.9%5,15732.6%OPEN →
Middle101.9%4,98841.1%OPEN →
Upper123.5%3,95632.6%OPEN →
Middle103.1%4,18042.1%OPEN →
Upper128.8%4,44931.2%OPEN →
Middle89.2%4,74434.4%OPEN →
Upper153.5%5,18719.5%OPEN →
Upper121.2%4,94124.9%OPEN →
Middle89.8%5,10444.8%OPEN →
Upper135.6%3,40622.4%OPEN →
Middle103.4%3,35926.2%OPEN →
Middle117.1%4,85526.8%OPEN →
Middle87.8%5,26935.3%OPEN →
Middle95.9%3,65137.9%OPEN →
Middle95.5%2,78627.5%OPEN →
Moderate78.4%5,13752.4%OPEN →
Moderate64.5%4,46754.1%OPEN →
Moderate71.0%5,53356.8%OPEN →
Middle87.5%3,79542.6%OPEN →
Middle107.0%5,21835.8%OPEN →
Middle107.7%4,87033.6%OPEN →
Middle109.5%6,36136.6%OPEN →
Middle84.0%6,95962.9%OPEN →
Upper120.7%6,79241.5%OPEN →
Middle83.7%4,93258.2%OPEN →
Moderate63.0%3,29078.2%OPEN →
Low46.9%6,75574.1%OPEN →
Moderate53.6%3,66967.2%OPEN →
Upper148.7%3,44616.5%OPEN →
Middle119.6%3,70527.1%OPEN →
Middle102.5%1,45118.3%OPEN →
Middle88.2%5,46934.3%OPEN →
Middle98.7%2,98311.5%OPEN →
Upper123.3%3,21212.1%OPEN →
Middle90.3%3,32741.5%OPEN →
Middle109.9%3,87632.1%OPEN →
Middle97.4%5,05627.5%OPEN →
Middle83.6%2,92142.2%OPEN →
Moderate60.2%2,16848.8%OPEN →
Middle96.6%2,80445.6%OPEN →
Middle106.1%3,83940.4%OPEN →
Middle99.0%3,62831.1%OPEN →
Middle105.0%5,10339.0%OPEN →
Upper125.5%2,00439.0%OPEN →
Upper148.2%4,15319.8%OPEN →
Upper149.6%4,00922.0%OPEN →
Upper155.0%3,41828.9%OPEN →
Middle100.9%4,39638.9%OPEN →
Middle89.8%3,49832.6%OPEN →
Upper130.6%6,55425.7%OPEN →
Moderate77.1%1,16318.5%OPEN →
Middle106.2%5,12236.6%OPEN →
Middle93.9%5,00741.7%OPEN →
Middle90.1%4,52642.5%OPEN →
Moderate65.8%4,16467.6%OPEN →
Moderate56.2%2,80766.9%OPEN →
Moderate73.2%5,18574.3%OPEN →
Middle112.6%5,36644.8%OPEN →
Upper120.0%4,05849.6%OPEN →
Middle106.6%6,08442.7%OPEN →
Moderate74.4%7,39761.7%OPEN →
Middle82.7%6,57865.4%OPEN →
Moderate71.1%5,83460.4%OPEN →
Upper131.3%6,61440.2%OPEN →
Middle83.6%7,34345.2%OPEN →
Moderate79.5%5,56683.2%OPEN →
Moderate78.2%4,86073.8%OPEN →
Moderate57.9%4,09375.2%OPEN →
Middle91.7%4,70573.4%OPEN →
Moderate73.6%3,91071.9%OPEN →
Middle95.6%6,62260.4%OPEN →
Moderate72.5%5,61163.8%OPEN →
Middle104.2%4,01025.6%OPEN →
Middle97.6%4,09421.9%OPEN →
Upper125.6%3,51325.9%OPEN →
Middle98.6%2,66224.6%OPEN →
Middle100.1%4,50522.0%OPEN →
Middle106.6%3,72019.1%OPEN →
Middle103.1%1,88026.1%OPEN →
Upper153.1%3,15018.6%OPEN →
Middle93.9%3,38222.2%OPEN →
Middle81.8%1,51721.6%OPEN →
Moderate75.1%1,69618.8%OPEN →
Upper136.8%1,59127.3%OPEN →
Moderate78.0%2,26926.7%OPEN →
Middle97.5%2,21323.7%OPEN →
Middle81.5%1,92919.9%OPEN →
Upper126.5%3,23139.5%OPEN →
Middle92.5%2,68639.4%OPEN →
Upper135.2%3,95727.6%OPEN →
Middle89.1%4,31352.3%OPEN →
Middle118.7%4,51043.4%OPEN →
Upper136.7%4,13553.3%OPEN →
Upper131.3%5,15442.1%OPEN →
Middle87.1%4,43654.9%OPEN →
Upper129.4%3,58829.3%OPEN →
Middle107.6%1,75325.8%OPEN →
Middle112.9%3,39138.6%OPEN →
Upper133.0%2,23527.4%OPEN →
Upper126.7%3,39937.5%OPEN →
Moderate75.9%4,08856.8%OPEN →
Middle95.2%6,30637.9%OPEN →
Middle83.4%2,18127.5%OPEN →
Middle111.5%1,66518.9%OPEN →
Upper137.7%2,09317.1%OPEN →
Moderate79.1%74515.2%OPEN →
Moderate79.0%78717.1%OPEN →
—0.0%00.0%OPEN →

Source: FFIEC census-tract file (income level, MSA, urban/rural) and HMDA tract attributes (population, minority share, housing units), latest loaded activity year. The whole county is listed — the table is filtered and paged in the browser over the complete set, never a server-side slice of it.

Housing & households

U.S. Census American Community Survey 2024 estimates — the demand side behind the lending figures above.

Population

485,040

Median household income

$104,674

Median home value

$815,500

Median gross rent

$2,158

per month

Owner-occupied

62.6%

of occupied units

Housing units

207,699

8.0% vacant

Poverty rate

8.9%

Unemployment

5.7%

Natural-hazard exposure

FEMA National Risk Index ratings for this county — expected annual loss, social vulnerability and community resilience, plus the individual perils rated Relatively High or above.

Overall risk

Relatively High

score 99.1

Social vulnerability

Relatively Low

Community resilience

Relatively High

ELEVATED PERILS

Inland flooding Relatively High · Wildfire Relatively High · Earthquake Relatively High · Drought Relatively High · Landslide Relatively High

Federal disaster history

Months in which a FEMA disaster declaration was active in this county, from the declarations series.

Months with an active declaration

98

Declarations recorded

36

Incident types on record: Biological, Coastal Storm, Drought, Fire, Fishing Losses, Flood, Freezing, Hurricane, Severe Storm.

Everything we hold on Sonoma County

12 data areas have rows for this county. Each one is one click away below; the 18 we checked and did not find at county grain are named at the end with the reason.

LOAN-LEVEL

The individual HMDA application and origination records behind every figure on this page, pre-filtered to Sonoma County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Sonoma County →Every reported application and origination in FIPS 06097, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Sonoma County by fiscal year — the veteran channel, which HMDA counts but does not separate from the rest of the government book at this grain.

VA Loan Guaranty geographic loan volume (va_geo_loan_volume, county_fips), folded to fiscal year

VA loans · FY2026

183

—

Purchase share

48.1%

88 loans

IRRRL refinances

70

Cash-out refinances

25

2026183—887025
2025168—954033
2024122—831524
2023105—80223
2022——15094113
20211,108—164795149
2020993—182641170
2019376—13794145
2018333—13344156
2017670—196205269
2016666—171279216
2015629—180236213

The most recent fiscal year is partial until VA closes it. This file carries no lender key, so VA volume cannot be attributed to a company.

BUILDING PERMITS

New residential units authorised in Sonoma County — the supply-side leading indicator that runs ahead of purchase originations.

Census Building Permits Survey county series (census_building_permits, geo_id at geo_level 'county')

HOUSING SUPPLY · CENSUS BUILDING PERMITS

Sonoma County building permits

New privately-owned housing units authorized by building permits — the supply-side leading indicator that runs ahead of housing starts and the purchase-origination pipeline. Single-family (SF, 1-unit) vs. multifamily (MF, 2+ units), by year.

Single-family · 2025

790

−5.0% vs 2024

Multifamily · 2025

900

+400.0% vs 2024

Total authorized · 2025

1,690

+67.0% vs 2024

Permit valuation · 2025

$422.9M

authorized construction value

Units authorized by year

Sonoma County · total permitted units · hover for the single-family split

UNITS · SF IN TOOLTIP
01.3K2.5K3.8K5K19901992199419961998200020022004200620082010201220142016201820202022202420251,690 units

Source: U.S. Census Bureau Building Permits Survey (BPS), imputed totals (the published “units authorized” headline). SF = 1-unit; MF = 2+ units. Public no-login Census data. Attribution.

MIGRATION & WEALTH

IRS county-to-county migration flows for Sonoma County, showing population movement and wealth transfer.

IRS county-to-county migration flows (irs_county_migration, self_geoid)

inflow2223Marin County, CA1,1051,808$142.6M
outflow2223Other flows - South, DS9571,634$100.8M
inflow2223Other flows - South, DS6341,007$57.2M
inflow2223San Francisco County, CA634956$139.4M
outflow2223Other flows - West, DS612923$76.0M
inflow2223Other flows - West, DS569906$43.0M
outflow2223Marin County, CA551781$57.0M
inflow2223Alameda County, CA540879$80.1M
outflow2223San Francisco County, CA438579$55.4M
inflow2223Los Angeles County, CA405574$37.4M
outflow2223Sacramento County, CA394598$30.3M
outflow2223Other flows - Midwest, DS393671$32.9M
outflow2223Los Angeles County, CA349438$28.3M
inflow2223Contra Costa County, CA338516$41.6M
outflow2223Alameda County, CA334462$30.8M
outflow2223Other flows - Northeast, DS318499$32.2M
inflow2223Napa County, CA317444$24.3M
inflow2223Other flows - Northeast, DS314488$31.2M
inflow2223Other flows - Midwest, DS308448$32.8M
inflow2223San Mateo County, CA296485$66.7M
outflow2223San Diego County, CA295388$25.1M
outflow2223Lake County, CA281526$18.4M
inflow2223Santa Clara County, CA272413$49.3M
inflow2223Sacramento County, CA272404$19.7M
inflow2223Mendocino County, CA259444$20.5M
outflow2223Solano County, CA249403$17.7M
outflow2223Contra Costa County, CA248363$25.2M
outflow2223Napa County, CA247385$24.3M
inflow2223Solano County, CA240368$18.2M
outflow2223Mendocino County, CA231398$14.3M
inflow2223San Diego County, CA217305$17.8M
outflow2223Santa Clara County, CA197278$28.3M
outflow2223San Mateo County, CA182253$19.3M
inflow2223Lake County, CA178304$10.7M
outflow2223Maricopa County, AZ142222$12.9M
inflow2223Orange County, CA141191$13.2M
outflow2223Orange County, CA134204$15.4M
outflow2223Placer County, CA125199$13.5M
outflow2223Foreign - Overseas, FR105168$13.8M
outflow2223King County, WA104140$9.7M
outflow2223Clark County, NV102147$9.3M
inflow2223Maricopa County, AZ99143$9.3M
outflow2223Riverside County, CA98151$9.1M
outflow2223Washoe County, NV97146$21.5M
inflow2223Yolo County, CA96137$8.9M
outflow2223Butte County, CA91128$5.6M
inflow2223Santa Cruz County, CA91128$7.7M
inflow2223King County, WA90128$12.0M
outflow2223Humboldt County, CA84133$5.0M
inflow2223Riverside County, CA83124$7.6M
inflow2223San Joaquin County, CA82129$5.4M
inflow2223Fresno County, CA79131$6.9M
outflow2223Multnomah County, OR77103$5.0M
outflow2223San Joaquin County, CA76118$4.5M
inflow2223Humboldt County, CA72100$5.1M
inflow2223Placer County, CA72101$5.8M
outflow2223Shasta County, CA72117$5.3M
outflow2223Santa Cruz County, CA6895$5.2M
inflow2223Ventura County, CA6490$5.0M
inflow2223Monterey County, CA6485$6.7M
inflow2223San Luis Obispo County, CA6486$4.7M
inflow2223Multnomah County, OR6385$4.5M
inflow2223Clark County, NV6279$6.4M
inflow2223Washoe County, NV6086$6.6M
inflow2223El Dorado County, CA5675$4.1M
inflow2223Shasta County, CA5692$3.6M
outflow2223Yolo County, CA5667$4.6M
inflow2223Butte County, CA5682$3.4M
outflow2223Ada County, ID5596$7.0M
outflow2223Nevada County, CA5576$4.8M
outflow2223Ventura County, CA5278$3.9M
inflow2223Nevada County, CA5286$7.6M
inflow2223Foreign - Other flows, FR5188$6.8M
outflow2223Washington County, OR5167$3.3M
outflow2223Fresno County, CA5076$3.7M
inflow2223Stanislaus County, CA4764$2.3M
outflow2223El Dorado County, CA4779$5.0M
outflow2223Kings County, NY4753$5.1M
outflow2223New York County, NY4549$4.3M
inflow2223Cook County, IL4467$6.8M
outflow2223Santa Barbara County, CA4455$3.4M
inflow2223San Bernardino County, CA4377$3.1M
outflow2223Deschutes County, OR4260$5.7M
outflow2223San Luis Obispo County, CA4250$2.5M
inflow2223Honolulu County, HI4163$3.1M
inflow2223Santa Barbara County, CA4155$3.3M
outflow2223Denver County, CO4052$4.7M
outflow2223Pima County, AZ3957$3.8M
outflow2223San Bernardino County, CA3959$2.8M
outflow2223Travis County, TX3855$3.9M
outflow2223Cook County, IL3746$3.8M
outflow2223Monterey County, CA3746$4.5M
outflow2223Honolulu County, HI3764$2.3M
outflow2223Jackson County, OR3657$3.2M
outflow2223Stanislaus County, CA3665$2.0M
outflow2223Lane County, OR3554$3.5M
outflow2223Canyon County, ID3570$2.8M
inflow2223Kern County, CA3453$3.2M
inflow2223Denver County, CO3442$4.3M
outflow2223Spokane County, WA3243$2.5M
inflow2223Kings County, NY3243$2.8M
outflow2223Pierce County, WA3051$2.5M
inflow2223Travis County, TX2939$3.6M
inflow2223Salt Lake County, UT2846$2.6M
inflow2223Pima County, AZ2842$2.1M
inflow2223Ada County, ID2737$2.6M
outflow2223Clark County, WA2639$1.8M
inflow2223Deschutes County, OR2643$1.9M
outflow2223Harris County, TX2635$1.2M
outflow2223Middlesex County, MA2537$3.8M
outflow2223Bexar County, TX2547$2.7M
outflow2223Snohomish County, WA2533$2.7M
outflow2223Kern County, CA2542$1.4M
outflow2223Foreign - Other flows, FR2547$1.7M
outflow2223El Paso County, CO2530$1.2M
outflow2223Clackamas County, OR2534$2.4M
outflow2223Davidson County, TN2429$3.4M
outflow2223Josephine County, OR2433$1.4M
inflow2223Sutter County, CA2429$1.2M
outflow2223Kitsap County, WA2444$2.8M
outflow2223Boulder County, CO2328$1.3M
outflow2223Tarrant County, TX2339$2.0M
outflow2223Salt Lake County, UT2331$1.4M
inflow2223New York County, NY2328$3.1M
inflow2223Harris County, TX2338$1.7M
outflow2223District of Columbia, DC2327$1.3M
outflow2223Kootenai County, ID2245$2.4M
outflow2223Utah County, UT2233$1.5M
outflow2223Merced County, CA2240$731K
outflow2223Carson City, NV2231$1.6M
inflow2223Tulare County, CA2137$808K
outflow2223Santa Fe County, NM2132$2.9M
inflow2223Tarrant County, TX2129$2.0M
outflow2223Dallas County, TX2031$1.8M
inflow2223Broward County, FL2038$2.1M
inflow2223Washington County, OR2027$1.1M
outflow2223Hawaii County, HI2035$3.3M
inflow2122Foreign - Other flows, FR———
inflow2122Marin County, CA1,1821,953$143.2M
outflow2122Other flows - South, DS1,1192,054$117.1M
inflow2122San Francisco County, CA7931,233$274.7M
outflow2122Other flows - West, DS7381,229$75.7M
inflow2122Other flows - South, DS6441,049$64.9M
inflow2122Alameda County, CA622980$94.5M
inflow2122Other flows - West, DS615929$42.1M
outflow2122Marin County, CA583862$58.2M
outflow2122San Francisco County, CA466580$78.4M
outflow2122Other flows - Midwest, DS435685$69.6M
inflow2122Contra Costa County, CA408658$52.2M
inflow2122Los Angeles County, CA396575$42.2M
outflow2122Sacramento County, CA390596$30.7M
outflow2122Los Angeles County, CA370493$28.3M
inflow2122San Mateo County, CA366579$99.9M
outflow2122Alameda County, CA364495$36.7M
inflow2122Santa Clara County, CA358551$83.5M
outflow2122Other flows - Northeast, DS345559$58.8M
inflow2122Napa County, CA335512$38.0M
inflow2122Other flows - Midwest, DS329508$38.4M
outflow2122Lake County, CA299549$18.6M
outflow2122Contra Costa County, CA291411$28.7M
inflow2122Sacramento County, CA287444$20.9M
inflow2122Other flows - Northeast, DS285439$28.3M
outflow2122San Diego County, CA283388$27.0M
inflow2122Mendocino County, CA262474$18.6M
outflow2122Solano County, CA259431$21.2M
inflow2122Solano County, CA258405$16.0M
outflow2122Mendocino County, CA248457$24.7M
outflow2122Napa County, CA246360$24.1M
outflow2122Santa Clara County, CA243332$18.9M
inflow2122San Diego County, CA235359$21.9M
inflow2122Lake County, CA226364$15.7M
outflow2122San Mateo County, CA182250$28.8M
inflow2122Orange County, CA181268$23.1M
outflow2122Placer County, CA176307$19.5M
outflow2122Maricopa County, AZ170284$25.1M
outflow2122Riverside County, CA138200$13.2M
outflow2122Washoe County, NV130202$19.0M
outflow2122Orange County, CA121169$14.8M
outflow2122King County, WA115146$12.8M
inflow2122Placer County, CA112164$9.0M
inflow2122Riverside County, CA111180$7.6M
outflow2122Multnomah County, OR107128$7.0M
outflow2122Clark County, NV106165$15.7M
inflow2122Maricopa County, AZ102156$8.5M
outflow2122Ada County, ID100210$12.0M
outflow2122Shasta County, CA93160$7.1M
outflow2122Humboldt County, CA93129$5.4M
inflow2122San Joaquin County, CA91147$5.8M
inflow2122King County, WA91128$13.6M
outflow2122El Dorado County, CA89124$7.8M
inflow2122Humboldt County, CA89108$4.9M
inflow2122Yolo County, CA85119$7.3M
inflow2122Clark County, NV80126$5.1M
inflow2122Santa Cruz County, CA78108$6.9M
inflow2122San Luis Obispo County, CA77102$5.7M
inflow2122Washoe County, NV77107$5.5M
outflow2122Santa Cruz County, CA7594$5.5M
outflow2122Fresno County, CA73102$2.9M
outflow2122Yolo County, CA7195$4.9M
outflow2122Nevada County, CA71114$6.3M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Sonoma County.

FHFA UAD aggregate statistics (uad_aggregate_county, geoid) and appraisal-level public use file (uad_puf, county_fips)

2023PurchaseNo CharacteristicAll Appraisals2,355.0
2023PurchaseNo CharacteristicAll Appraisals0.5
2023RefinanceNo CharacteristicAll Appraisals720.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals3,075.0
2023PurchaseNo CharacteristicAll Appraisals0.4
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals874,500.0
2023BothNo CharacteristicAll Appraisals810,000.0
2023PurchaseNo CharacteristicAll Appraisals800,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals816,000.0
2022PurchaseNo CharacteristicAll Appraisals0.5
2022PurchaseNo CharacteristicAll Appraisals799,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals2,251.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.4
2022RefinanceNo CharacteristicAll Appraisals895,000.0
2022BothNo CharacteristicAll Appraisals5,869.0
2022PurchaseNo CharacteristicAll Appraisals3,618.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals815,000.0
2021BothNo CharacteristicAll Appraisals14,915.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals5,315.0
2021PurchaseNo CharacteristicAll Appraisals0.5
2021RefinanceNo CharacteristicAll Appraisals9,600.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals775,000.0
2021PurchaseNo CharacteristicAll Appraisals0.4
2021PurchaseNo CharacteristicAll Appraisals730,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals16,638.0
2020PurchaseNo CharacteristicAll Appraisals4,415.0
2020PurchaseNo CharacteristicAll Appraisals0.4
2020BothNo CharacteristicAll Appraisals698,000.0
2020RefinanceNo CharacteristicAll Appraisals705,000.0
2020RefinanceNo CharacteristicAll Appraisals12,223.0
2020PurchaseNo CharacteristicAll Appraisals675,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.5
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals653,800.0
2019PurchaseNo CharacteristicAll Appraisals3,892.0
2019PurchaseNo CharacteristicAll Appraisals0.5
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals662,000.0
2019BothNo CharacteristicAll Appraisals11,118.0
2019RefinanceNo CharacteristicAll Appraisals7,226.0
2019PurchaseNo CharacteristicAll Appraisals639,000.0
2019PurchaseNo CharacteristicAll Appraisals0.4
2018RefinanceNo CharacteristicAll Appraisals650,000.0
2018BothNo CharacteristicAll Appraisals8,217.0
2018PurchaseNo CharacteristicAll Appraisals3,608.0
2018RefinanceNo CharacteristicAll Appraisals4,609.0
2018BothNo CharacteristicAll Appraisals650,000.0
2018PurchaseNo CharacteristicAll Appraisals646,300.0
2018PurchaseNo CharacteristicAll Appraisals0.5
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.5
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals600,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.5
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals9,645.0
2017PurchaseNo CharacteristicAll Appraisals3,820.0
2017PurchaseNo CharacteristicAll Appraisals600,000.0
2017RefinanceNo CharacteristicAll Appraisals5,825.0
2017PurchaseNo CharacteristicAll Appraisals0.4
2017BothNo CharacteristicAll Appraisals600,000.0
2016PurchaseNo CharacteristicAll Appraisals3,548.0
2016RefinanceNo CharacteristicAll Appraisals565,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals540,000.0
2016PurchaseNo CharacteristicAll Appraisals0.4
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals560,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.5
2016BothNo CharacteristicAll Appraisals14,583.0
2016RefinanceNo CharacteristicAll Appraisals11,035.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals505,000.0
2015PurchaseNo CharacteristicAll Appraisals0.5
2015RefinanceNo CharacteristicAll Appraisals515,000.0
2015BothNo CharacteristicAll Appraisals12,986.0
2015RefinanceNo CharacteristicAll Appraisals9,353.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.4
2015PurchaseNo CharacteristicAll Appraisals3,633.0
2015BothNo CharacteristicAll Appraisals510,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals470,000.0

ECONOMY & INCOME

Local economy indicators — BLS unemployment rates and BEA personal income for Sonoma County.

BLS Local Area Unemployment Statistics (bls_laus_county_month, geoid) and BEA personal income (bea_county_income, geo_fips)

BLS Local Area Unemployment

2026-05244,709235,7488,9613.7%
2026-04244,915235,0959,8204.0%
2026-03246,390235,98710,4034.2%
2026-02247,391236,39610,9954.4%
2026-01244,030232,88311,1474.6%
2025-12246,946236,48010,4664.2%
2025-11248,296237,09311,2034.5%
2025-09251,485240,00411,4814.6%
2025-08250,483238,55911,9244.8%
2025-07249,594237,74411,8504.7%
2025-06249,584238,39011,1944.5%
2025-05248,937239,2369,7013.9%
2025-04247,690237,49110,1994.1%
2025-03249,092238,18910,9034.4%
2025-02247,670236,56611,1044.5%
2025-01245,775234,57111,2044.6%
2024-12246,494236,5729,9224.0%
2024-11246,259235,91310,3464.2%
2024-10248,443238,21810,2254.1%
2024-09249,693239,7909,9034.0%
2024-08249,400238,17611,2244.5%
2024-07248,364237,20611,1584.5%
2024-06247,669237,29110,3784.2%
2024-05246,066237,6048,4623.4%
2024-04245,206236,0789,1283.7%
2024-03248,345238,25510,0904.1%
2024-02247,471236,93010,5414.3%
2024-01244,613233,96910,6444.4%
2023-12244,623235,4509,1733.7%
2023-11247,327238,2299,0983.7%
2023-10248,628239,3129,3163.7%
2023-09250,284241,1759,1093.6%
2023-08249,207239,5659,6423.9%
2023-07248,707239,5209,1873.7%
2023-06247,130238,1199,0113.6%
2023-05246,973239,2077,7663.1%
2023-04244,660237,0957,5653.1%
2023-03247,266238,5238,7433.5%
2023-02246,342237,4048,9383.6%
2023-01242,052233,1238,9293.7%
2022-12243,651236,4367,2153.0%
2022-11244,101236,4137,6883.1%
2022-10246,708239,3027,4063.0%
2022-09247,323240,3097,0142.8%
2022-08246,929239,0727,8573.2%
2022-07245,525237,8897,6363.1%
2022-06245,856238,0537,8033.2%
2022-05245,100238,6076,4932.6%
2022-04243,465236,2617,2043.0%
2022-03245,740237,4358,3053.4%
2022-02243,730234,4999,2313.8%
2022-01241,805231,33710,4684.3%
2021-12242,340233,2159,1253.8%
2021-11242,763232,9189,8454.1%
2021-10243,940233,12510,8154.4%
2021-09245,977234,69611,2814.6%
2021-08244,525231,14513,3805.5%
2021-07243,927229,81314,1145.8%
2021-06241,193226,10015,0936.3%
2021-05240,218226,79513,4235.6%
2021-04238,828223,90914,9196.2%
2021-03240,029224,33215,6976.5%
2021-02238,403221,81916,5847.0%
2021-01235,837218,03417,8037.5%
2020-12236,413220,43515,9786.8%
2020-11235,986220,02315,9636.8%
2020-10238,506222,00616,5006.9%
2020-09241,875223,01818,8577.8%
2020-08242,344222,18620,1588.3%
2020-07243,750218,98924,76110.2%
2020-06244,473216,55627,91711.4%
2020-05236,584203,87632,70813.8%
2020-04240,436202,63237,80415.7%
2020-03252,233241,64810,5854.2%
2020-02255,761248,5467,2152.8%
2020-01252,832245,1437,6893.0%
2019-12253,945247,5246,4212.5%
2019-11254,433247,9246,5092.6%
2019-10258,033251,6866,3472.5%
2019-09258,835252,7306,1052.4%
2019-08256,674249,5697,1052.8%
2019-07256,466248,9067,5602.9%
2019-06252,809245,6667,1432.8%
2019-05253,210247,2655,9452.3%
2019-04251,602245,1866,4162.6%
2019-03255,133247,2807,8533.1%
2019-02255,014247,2017,8133.1%
2019-01253,495244,7468,7493.5%
2018-12256,631249,5837,0482.7%
2018-11257,591250,9016,6902.6%
2018-10260,211253,4576,7542.6%
2018-09260,888254,2406,6482.5%
2018-08258,893251,5987,2952.8%
2018-07259,599252,0787,5212.9%
2018-06257,652249,9847,6683.0%
2018-05258,725252,6046,1212.4%
2018-04256,557249,6496,9082.7%
2018-03257,184249,5867,5983.0%
2018-02258,003250,0317,9723.1%
2018-01254,975246,5368,4393.3%

BEA Personal Income

2024$43.12B485,375$89K
2023$40.30B483,366$83K
2022$38.03B483,398$79K
2021$38.01B484,561$78K
2020$35.47B488,501$73K
2019$32.34B490,579$66K
2018$30.28B495,669$61K
2017$28.99B500,840$58K
2016$27.84B501,269$56K
2015$26.78B499,611$54K
2014$24.80B497,518$50K
2013$23.45B493,259$48K
2012$22.64B489,361$46K
2011$21.65B486,997$44K
2010$20.75B484,628$43K
2009$19.92B479,479$42K
2008$20.44B473,091$43K
2007$20.59B467,356$44K
2006$19.89B465,188$43K
2005$18.65B465,938$40K
2004$18.14B466,809$39K
2003$17.97B466,489$39K
2002$17.73B465,298$38K
2001$17.72B465,293$38K
2000$16.75B460,421$36K
1999$14.72B453,421$32K
1998$13.86B445,901$31K
1997$12.79B437,141$29K
1996$11.85B428,399$28K
1995$11.00B422,286$26K
1994$10.54B416,152$25K
1993$10.05B410,687$24K
1992$9.58B405,151$24K
1991——$23K

NFIP FLOOD CLAIMS

FEMA National Flood Insurance Program (NFIP) realised flood loss claims in Sonoma County.

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-01-06$0$0$0No
2026-01-05$39K$39K$0No
2025-02-17$0——No
2025-02-06$0$0$0No
2025-02-06$42K$36K$6KYes
2025-02-06$26K$26K$0No
2025-02-05$18K$13K$6KNo
2025-02-05$3K$3K$0No
2025-02-05$5K$5K$0Yes
2025-02-05$2K$2K$0Yes
2025-02-05$58K$58K$919.49No
2025-02-05$11K$10K$990.4No
2025-02-05$173K$173K$0No
2025-02-05$208K$208K$0Yes
2025-02-05$88K$88K$0No
2025-02-04$80K$80K$136.12No
2025-02-04$91K$88K$2KNo
2025-02-04$0$0$0No
2025-02-04$5K$5K$0No
2025-02-04$94K$0$94KNo
2025-02-04$12K$12K$0Yes
2025-02-04$5K$5K$0No
2025-02-04$26K$26K$0Yes
2025-02-04$16K$16K$0No
2025-02-04$4K$4K$0No
2025-02-04$29K$29K$0No
2025-02-02$0$0$0Yes
2025-01-31$17K$17K$0Yes
2025-01-04$0——Yes
2025-01-03$0$0$0Yes
2025-01-01$0$0$0Yes
2024-12-21$0——Yes
2024-11-27$0$0$0No
2024-11-23$4K$4K$0Yes
2024-11-23$0$0$0No
2024-11-23$0$0$0Yes
2024-11-22$132K$120K$11KNo
2024-11-22$6K$5K$351.08No
2024-11-22$94K$0$94KNo
2024-11-22$10K$6K$4KNo
2024-11-21$45K$0$45KNo
2024-02-11$4K$4K$0No
2024-02-11$3K$3K$0No
2024-02-11$2K$2K$0No
2024-02-11$3K$3K$0No
2024-02-11$1K$1K$0No
2024-02-11$4K$4K$0No
2024-02-11$4K$4K$0No
2024-02-11$3K$3K$0No
2024-02-11$4K$4K$0No
2024-02-11$818.87$818.87$0No
2024-02-11$384.01$384.01$0No
2024-01-22$16K$16K$0No
2024-01-21$954.29$954.29$0No
2024-01-21$196.46$196.46$0No
2024-01-21$1K$1K$0No
2024-01-21$1K$1K$0No
2024-01-21$935.13$935.13$0No
2024-01-21$827.17$827.17$0No
2024-01-21$1K$1K$0No
2024-01-21$1K$1K$0No
2024-01-21$7K$7K$0No
2024-01-21$1K$1K$0No
2024-01-21$1K$1K$0No
2023-12-18$0$0$0No
2023-03-27$881.03$881.03$0No
2023-03-23$1K$1K$0No
2023-03-23$1K$1K$0No
2023-03-23$2K$2K$0No
2023-03-23$1K$1K$0No
2023-03-23$2K$2K$0No
2023-03-23$2K$2K$0No
2023-03-23$7K$7K$0No
2023-03-23$11K$11K$0No
2023-03-23$2K$2K$0No
2023-03-23$1K$1K$0No
2023-03-23$2K$2K$0No
2023-03-14$5K$5K$0Yes
2023-03-09$39K$39K$0No
2023-03-01$9K$9K$0Yes
2023-01-11$0$0$0No
2023-01-10$2K$2K$0No
2023-01-10$21K$15K$6KNo
2023-01-10$368.29$0$368.29Yes
2023-01-09$10K$10K$0No
2023-01-09$2K$2K$0No
2023-01-09$0$0$0No
2023-01-09$5K$5K$0No
2023-01-09$3K$3K$0No
2023-01-09$2K$2K$0No
2023-01-09$1K$1K$0No
2023-01-09$1K$1K$0No
2023-01-09$2K$2K$0No
2023-01-09$27K$27K$0No
2023-01-09$806.28$806.28$0No
2023-01-09$2K$2K$0No
2023-01-08$12K$12K$0Yes
2023-01-07$6K$6K$0Yes
2023-01-06$2K$1K$1KYes
2023-01-06$0$0$0Yes

ALSO CHECKED

18 more data areas were checked for Sonoma County and did not earn a tab. A missing tab and an unasked question look the same on screen, so each one is named with the reason it is missing.

  • WRONG GRAIN
    FHA

    FHA Neighborhood Watch DOES publish county rows, but keys them on a free-text county NAME (“CHITTENDEN|VT”), not a FIPS code, and the single-family endorsement snapshot's property_county is likewise free text. Joining either to a county FIPS by name would attribute one county's delinquency to another wherever a name repeats, so FHA is a state-grain tab only until a curated name→FIPS crosswalk exists

  • WRONG GRAIN
    Fannie / Freddie

    the FHFA public-use database publishes single-family acquisitions at STATE and CENSUS-TRACT grain; no county rollup is published or loaded, and rolling tracts up to counties would double-count the tracts that straddle a county line

  • WRONG GRAIN
    GSE credit-risk transfer

    CAS and STACR loan-level disclosures publish PROPERTY STATE and a 3-digit zip; neither carries a county code, so credit-risk-transfer collateral cannot be attributed to a county

  • WRONG GRAIN
    Ginnie Mae

    Ginnie Mae's loan-level disclosure publishes PROPERTY STATE and nothing finer — there is no county, ZIP or tract field in the file, so agency-pool collateral has no county grain at all. The same is true of the UMBS pool file (fhfa_mbs_pool), which carries only CA/NY/FL/TX/PR concentration percentages

  • WRONG GRAIN
    Housing finance agency

    a housing finance agency is a STATE-chartered body — county is not a grain it has. Its programmes reach counties, but the agency itself is one row per state: hfa_agency is keyed on state_code and carries no county column, and there is no county-level agency underneath it to aggregate from

  • WRONG GRAIN
    CUSO network

    the NCUA CUSO Registry publishes a CUSO's city and STATE and no county at all (cuso_registry, migration 0195). A county FIPS does exist on the member-credit-union side (cuso_credit_union_link.cu_county_fips), but it is the CREDIT UNION'S CHARTER ADDRESS — where the institution is registered, not where the mortgage service it buys is delivered — so a county tab built on it would pin a statewide, often multi-state, service relationship onto the one county a charter document happens to name

  • WRONG GRAIN
    Subservicing map

    the same absence, one grain finer: subservicing_relationships holds no property or collateral column at all, so there is nothing to aggregate to a county. Where a client is a state HFA, the state housing finance agency area on this hub carries that agency and its named master servicer at its own state grain

  • WRONG GRAIN
    Co-issue MSR

    the same absence, and worse at county grain: Ginnie's loan-level disclosure publishes property STATE and nothing finer — no county, ZIP or tract field exists in the file — so even the collateral split that is rejected above at state grain is not available here at all

  • WRONG GRAIN
    MSR transfer graph

    the same absence at a finer grain, with no additional route to one: ginnie_servicing_transfers has no county column and the Ginnie loan-level disclosure it would have to be joined to publishes property state and nothing finer — no county, ZIP or tract field exists in either file

  • WRONG GRAIN
    Builder & realtor JV

    the same absence, one grain finer: the affiliation corpus has no geographic column at all, so nothing can be aggregated to a county. The affiliate lender's actual county-level originations are on the HMDA area of the county hub, keyed on the lender rather than on its parent

  • WRONG GRAIN
    Non-QM deal calendar

    the same structural gap, one grain finer: a 144A non-QM deal publishes no asset-level file at all, so there is no loan, no property and therefore no county to attribute anything to. This is the one absence on this hub that no future load can close

  • WRONG GRAIN
    Agency-MBS demand

    the same absence, and Ginnie's disclosure has no county field at any grain, so even the collateral allocation that is rejected above at state grain cannot be computed here

  • WRONG GRAIN
    Complaints-rate stack

    the same broken denominator, plus a numerator that does not reach county either: the CFPB publishes a complaint's state and a partially redacted ZIP and no county, so neither half of this ratio exists at county grain

  • WRONG GRAIN
    NMLS licensing

    NMLS licences are issued by a STATE regulator and the industry report is published by state agency and quarter; there is no county in the licensing system to aggregate to

  • WRONG GRAIN
    CFPB complaints

    the CFPB publishes a complaint's STATE and a partially redacted ZIP; it publishes no county, and deriving one from a redacted ZIP would put complaints in the wrong county wherever a ZIP straddles a county line

  • WRONG GRAIN
    State enforcement

    enforcement orders are issued by a STATE regulator against a licensee; they carry no property or county

  • WRONG GRAIN
    WARN notices

    a WARN notice names an employer, a CITY and a region — no county code — and matching city to county by name is ambiguous in most states

  • WRONG GRAIN
    Mortgage employment

    the QCEW extract loaded here holds STATE and METRO area types only — the county-level QCEW file is a separate, far larger download that is not loaded, so county mortgage employment cannot be shown honestly

Several of the areas above are published only at state grain. They are all on the CA state hub, which carries the same registry at the grain those sources actually have.

Go deeper

EVERY HMDA RECORD IN SONOMA COUNTY →Opens the loan explorer already filtered to county FIPS 06097.

See the California state market profile for the statewide picture, the California state hub for every dataset we hold on the state in one place, or the national lender leaderboard for who is largest across every market.

Sources: HMDA public loan-level disclosure (CFPB/FFIEC) aggregated to county-year; U.S. Census Bureau American Community Survey; FEMA National Risk Index and disaster declarations. Figures are as loaded — see data attribution.

Fair-lending context: denial rates and demographic figures shown here are descriptive statistics derived from public HMDA and U.S. Census data. HMDA does not contain the credit, income, or underwriting variables that explain most lending outcomes, so a difference between lenders or areas is a statistical observation about published data — not evidence of, and not a determination of, discrimination or redlining by any institution.