Investment property improvement lenders in Sonoma County, California
Fat Boy Data analyzed investment home improvement loan activity in Sonoma County, California to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 333 applications were decided by 52 lenders between 2023 and 2025.
Sonoma County at a glance
How Sonoma County compares
What the data shows
Redwood made the most investment home improvement loans in Sonoma County, CA, 113 of them.
That is 56% of every investment home improvement loan originated here, so this market is unusually concentrated in one lender.
Redwood approved the highest share of applications among lenders with at least 20 decisions here, 74% of 155.
Lenders approved 63.7% of investment home improvement loan applications in Sonoma County, CA, 11.2 percentage points above the California rate of 52.5%.
The typical investment home improvement loan here is $115K, 15% smaller than the California typical of $135K.
No lender with a meaningful sample here has a typical investment home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.
Investment property improvement lenders in Sonoma County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Redwood | 74% | 114 / 155 | 99% | $115K | 113 |
| 2 | Bank of MarinLimited sample | 61% | 11 / 18 | 82% | $105K | 9 |
| 3 | Figure Lending LLCLimited sample | 56% | 9 / 16 | 67% | $105K | 6 |
| 4 | Bank of America, National AssociationLimited sample | 14% | 2 / 14 | 100% | $365K | 2 |
| 5 | BMO Bank National AssociationLimited sample | 30% | 3 / 10 | 100% | $105K | 3 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.
Fat Boy found 47 more lenders.
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