Lowest closing cost mortgage lenders in Sonoma County County, California
In Sonoma County, California, homebuyers paid a median of $8,530 in closing costs in 2024 — below the California median of $9,450. The county saw 2,740 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, HOMEAMERICAN MORTGAGE CORPORATION offered the lowest median costs at $0, which is $7,907 less than the county median.
Homebuyers in Sonoma County County who chose HOMEAMERICAN MORTGAGE CORPORATION paid $8,530 less in closing costs than the county median.
County Median Costs
$8,530
−9.7% vs California ($9,450)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$3,182
Purchase Originations
2,740
vs California Median
9.7% below
$-920
vs National Median
26.5% above
$1,789
Lender rankings in Sonoma County County
45 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 6.250% | $0 | 15 | −$7,907 | |
| 2 | $4,668 | 6.250% | $1,465 | 11 | −$3,240 | |
| 3 | $4,889 | 5.875% | $0 | 19 | −$3,018 | |
| 4 | $5,651 | 6.625% | $1,025 | 22 | −$2,256 | |
| 5 | $5,876 | 6.688% | $1,425 | 16 | −$2,031 | |
| 6 | $5,887 | 6.625% | $1,694 | 30 | −$2,020 | |
| 7 | $5,956 | 5.950% | $815 | 19 | −$1,951 | |
| 8 | $6,355 | 6.438% | $1,501 | 20 | −$1,552 | |
| 9 | $6,567 | 6.850% | $1,640 | 53 | −$1,340 | |
| 10 | $6,640 | 6.062% | $1,195 | 14 | −$1,267 | |
| 11 | $6,724 | 6.750% | $1,250 | 23 | −$1,183 | |
| 12 | $6,943 | 6.750% | $4,156 | 149 | −$964 | |
| 13 | $6,944 | 6.500% | $1,936 | 63 | −$963 | |
| 14 | $7,184 | 6.375% | $1,872 | 44 | −$723 | |
| 15 | $7,430 | 6.562% | $1,195 | 132 | −$477 | |
| 16 | $7,438 | 6.500% | $2,407 | 39 | −$469 | |
| 17 | $7,472 | 6.990% | $2,417 | 90 | −$435 | |
| 18 | $7,576 | 6.990% | $2,955 | 102 | −$331 | |
| 19 | $7,657 | 6.825% | $2,216 | 62 | −$250 | |
| 20 | $7,689 | 6.875% | $2,990 | 27 | −$218 | |
| 21 | $7,738 | 6.688% | $3,711 | 48 | −$169 | |
| 22 | $7,938 | 6.625% | $3,678 | 22 | +$31 | |
| 23 | $7,950 | 6.982% | $2,907 | 22 | +$43 | |
| 24 | $7,967 | 6.933% | $3,799 | 22 | +$60 | |
| 25 | $8,028 | 6.990% | $3,430 | 19 | +$121 | |
| 26 | $8,073 | 6.990% | $2,125 | 39 | +$166 | |
| 27 | $8,120 | 6.875% | $1,899 | 37 | +$213 | |
| 28 | $8,460 | 6.500% | $3,920 | 19 | +$553 | |
| 29 | $8,812 | 6.995% | $5,312 | 30 | +$905 | |
| 30 | $8,896 | 6.625% | $4,647 | 20 | +$989 | |
| 31 | $8,930 | 6.625% | $4,573 | 284 | +$1,023 | |
| 32 | $9,123 | 6.625% | $4,920 | 46 | +$1,216 | |
| 33 | $9,336 | 7.125% | $5,295 | 23 | +$1,429 | |
| 34 | $9,767 | 6.625% | $5,356 | 96 | +$1,860 | |
| 35 | $10,362 | 6.990% | $6,706 | 155 | +$2,454 | |
| 36 | $10,603 | 6.558% | $4,969 | 16 | +$2,696 | |
| 37 | $11,012 | 6.625% | $5,962 | 11 | +$3,105 | |
| 38 | $11,102 | 6.625% | $6,490 | 21 | +$3,195 | |
| 39 | $11,103 | 6.500% | $7,233 | 14 | +$3,196 | |
| 40 | $11,143 | 6.625% | $6,741 | 26 | +$3,236 | |
| 41 | $14,101 | 6.812% | $7,775 | 18 | +$6,194 | |
| 42 | $14,492 | 7.000% | $10,176 | 33 | +$6,585 | |
| 43 | $14,581 | 6.625% | $8,559 | 14 | +$6,674 | |
| 44 | $16,738 | 7.874% | $12,040 | 10 | +$8,830 | |
| 45 | $18,430 | 7.625% | $13,471 | 19 | +$10,522 |
Includes lenders with 10+ purchase originations in Sonoma County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in California → Lender Directory
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.