Refinancing lenders in Fresno County
1,538 refinancing mortgages were made in Fresno County, California, in 2025, by 257 lenders. The median rate their borrowers got was 6.125% on a median loan of $345,000. Of 2,376 decisions, 668 were denials — 28.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 315 | 5.990% | $375,000 | 17.8% |
| Rocket Mortgage, LLC | 140 | 5.875% | $355,000 | 21.5% |
| FREEDOM MORTGAGE CORPORATION | 97 | 6.000% | $365,000 | 4.6% |
| EDUCATIONAL EMPLOYEES CREDIT UNION | 80 | 6.000% | $230,000 | 53.2% |
| PENNYMAC LOAN SERVICES, LLC | 58 | 5.990% | $395,000 | 25.6% |
| NOBLE | 42 | 8.070% | $100,000 | 28.6% |
| Bank of America, National Association | 32 | 6.115% | $105,000 | 43.1% |
| LAKEVIEW LOAN SERVICING, LLC | 30 | 6.125% | $375,000 | 59.0% |
| ALAMEDA MORTGAGE CORPORATION | 30 | 6.375% | $345,000 | 11.4% |
| NATIONSTAR MORTGAGE LLC | 23 | 6.125% | $345,000 | 20.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 22 | 5.990% | $380,000 | 4.0% |
| NEWREZ LLC | 19 | 5.990% | $415,000 | 51.3% |
| KIND LENDING, LLC | 19 | 6.500% | $335,000 | 46.2% |
| JPMorgan Chase Bank, National Association | 19 | 6.125% | $295,000 | 5.0% |
| PLANET HOME LENDING, LLC | 17 | 5.750% | $425,000 | 18.2% |
| Mortgage Research Center, LLC | 16 | 5.813% | $365,000 | 55.6% |
| AMERIHOME MORTGAGE COMPANY, LLC | 16 | 6.313% | $325,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 14 | 5.850% | $355,000 | 14.3% |
| CMG MORTGAGE, INC. | 13 | 8.000% | $165,000 | 22.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 13 | 6.375% | $235,000 | 22.2% |
| U.S. Bank National Association | 12 | 6.063% | $455,000 | 28.6% |
| PNC Bank, National Association | 12 | 7.715% | $205,000 | 26.3% |
| OCMBC, INC. | 12 | 6.188% | $340,000 | 22.2% |
| FINANCE OF AMERICA REVERSE LLC | 11 | 6.375% | $225,000 | 13.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 10 | 6.000% | $320,000 | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 10 | 6.313% | $175,000 | 9.1% |
| Sierra Pacific Mortgage Company, Inc. | 10 | 6.375% | $305,000 | 16.7% |
| Lendage, LLC | 10 | 10.563% | $95,000 | 9.1% |
| GOOGAIN, INC. | 10 | 6.688% | $310,000 | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 9 | Under 10 loans | Under 10 loans | 50.0% |
| THE LOAN STORE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 9 | Under 10 loans | Under 10 loans | 15.4% |
| Tri Counties Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| CHAMPIONS FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| THE GOLDEN 1 | 7 | Under 10 loans | Under 10 loans | 58.8% |
| LoanUnited.com, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Kiavi Funding, Inc. | 7 | Under 10 loans | Under 10 loans | 18.2% |
| GUILD MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 30.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 46.2% |
| NEXERA HOLDING LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| NexBank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MID VALLEY SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 57.1% |
| SPRING EQ, LLC | 6 | Under 10 loans | Under 10 loans | 53.8% |
| HOMEXPRESS MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| UNION HOME MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 85.7% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Fremont Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| QUORUM FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ALLIANT CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Pacific Premier Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FlexPoint, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 71.4% |
| SmartFi Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AgWest Farm Credit, FLCA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| University Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NMSI, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MACKILLIE INCORPORATED | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Business Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 549300PQ03NIDTKFIO56 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| UNITED LOCAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION OF SOUTHERN CALIFORNIA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 86.7% |
| Navy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 75.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 1 | Under 10 loans | Under 10 loans | 71.4% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PACIFIC SERVICE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 1 | Under 10 loans | Under 10 loans | 75.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NORWICH COMMERCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Self-Help Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CATALYST MORTGAGE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| F&A Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Provident Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old Plank Trail Community Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENNAR MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ResMac, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Boeing Employees Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BANC ONE MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| River City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fresno First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 549300U4NMMQ8OEM3D10 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RANLIFE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AUGUSTA FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECTORS MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Bridge Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| East West Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Enterprise Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 549300PWMS2701UFP528 | 0 | Under 10 loans | Under 10 loans | Not published |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Hometown Equity Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SayGO Home Loans, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| RF RENOVO MANAGEMENT COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CONVENTUS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AHL FUNDING | 0 | Under 10 loans | Under 10 loans | Not published |
| General Mortgage Capital Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| STG MORTGAGE INC | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 57 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.