Mortgage lenders in Madera County
3,401 mortgages were made in Madera County, California, in 2025, by 308 lenders. The median rate their borrowers got was 6.500% on a median loan of $345,000. Of 4,778 decisions, 1,165 were denials — 24.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 387 | 6.125% | $385,000 | 15.4% |
| LENNAR MORTGAGE, LLC | 340 | 4.995% | $435,000 | 13.1% |
| KIND LENDING, LLC | 249 | 6.125% | $375,000 | 24.3% |
| ALAMEDA MORTGAGE CORPORATION | 236 | 6.125% | $395,000 | 2.5% |
| Rocket Mortgage, LLC | 206 | 6.750% | $225,000 | 22.1% |
| GOLDEN EMPIRE MORTGAGE, INC. | 129 | 6.433% | $305,000 | 5.0% |
| THE GOLDEN 1 | 105 | 7.750% | $105,000 | 35.8% |
| Sierra Pacific Mortgage Company, Inc. | 89 | 6.625% | $345,000 | 10.1% |
| PENNYMAC LOAN SERVICES, LLC | 77 | 6.375% | $325,000 | 18.4% |
| EDUCATIONAL EMPLOYEES CREDIT UNION | 65 | 6.500% | $105,000 | 54.1% |
| FREEDOM MORTGAGE CORPORATION | 55 | 5.750% | $425,000 | 12.2% |
| THE LOAN STORE, INC. | 49 | 6.750% | $335,000 | 10.5% |
| JPMorgan Chase Bank, National Association | 47 | 6.750% | $355,000 | 15.8% |
| CMG MORTGAGE, INC. | 45 | 6.063% | $465,000 | 10.9% |
| SPRING EQ, LLC | 44 | 8.863% | $80,000 | 56.0% |
| Loandepot.Com, LLC | 36 | 6.563% | $175,000 | 30.9% |
| CLM MORTGAGE, INC. | 36 | 5.125% | $455,000 | 2.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 35 | 6.250% | $425,000 | 12.2% |
| U.S. Bank National Association | 34 | 7.413% | $165,000 | 62.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 34 | 6.625% | $355,000 | 19.1% |
| INSPIRE HOME LOANS INC. | 33 | 5.125% | $405,000 | 11.9% |
| Bank of America, National Association | 31 | 6.375% | $135,000 | 60.3% |
| NATIONSTAR MORTGAGE LLC | 30 | 7.490% | $145,000 | 18.4% |
| NOBLE | 28 | 8.250% | $75,000 | 53.2% |
| Fairway Independent Mortgage Corporation | 28 | 6.433% | $355,000 | 0.0% |
| PACIFIC SERVICE CREDIT UNION | 27 | 7.990% | $65,000 | 12.5% |
| UNION HOME MORTGAGE CORP. | 25 | 6.375% | $335,000 | 16.1% |
| Tri Counties Bank | 23 | 5.990% | $105,000 | 46.7% |
| JMAC LENDING, INC. | 23 | 6.625% | $375,000 | 4.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 20 | 9.620% | $175,000 | 16.7% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 20 | 6.625% | $380,000 | 4.8% |
| NEWREZ LLC | 19 | 6.990% | $335,000 | 42.9% |
| Mortgage Research Center, LLC | 19 | 5.875% | $455,000 | 40.6% |
| Broker Solutions, Inc. | 19 | 6.250% | $335,000 | 13.6% |
| Navy Federal Credit Union | 17 | 8.750% | $75,000 | 54.1% |
| FIGURE LENDING LLC | 16 | 9.200% | $55,000 | 32.4% |
| OCMBC, INC. | 16 | 7.250% | $325,000 | 5.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 16 | 6.500% | $330,000 | 11.1% |
| Commerce Home Mortgage, Inc. | 15 | 6.990% | $355,000 | 25.0% |
| LEADERONE FINANCIAL CORPORATION | 15 | 6.250% | $385,000 | 6.3% |
| GUILD MORTGAGE COMPANY | 15 | 6.750% | $355,000 | 0.0% |
| Equity Prime Mortgage LLC | 14 | 6.188% | $340,000 | 30.0% |
| PLAZA HOME MORTGAGE, INC. | 14 | 6.688% | $370,000 | 37.5% |
| GUARANTEED RATE, INC. | 13 | 6.625% | $415,000 | 30.0% |
| FlexPoint, Inc. | 13 | 6.375% | $345,000 | 4.4% |
| Wells Fargo Bank, National Association | 12 | 6.625% | $185,000 | 38.1% |
| Paramount Residential Mortgage Group, Inc. | 12 | 5.933% | $360,000 | 7.7% |
| LAKEVIEW LOAN SERVICING, LLC | 11 | 6.500% | $245,000 | 58.9% |
| CARRINGTON MORTGAGE SERVICES, LLC | 11 | 7.625% | $255,000 | 42.9% |
| HOMEXPRESS MORTGAGE CORP. | 11 | 7.750% | $325,000 | 42.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 11 | 6.500% | $165,000 | 15.4% |
| First National Bank of America | 11 | 8.500% | $305,000 | 0.0% |
| ALTITUDE FINANCIAL CORPORATION | 11 | 5.750% | $425,000 | 8.3% |
| AMWEST FUNDING CORP. | 10 | 7.125% | $310,000 | 23.1% |
| NEXERA HOLDING LLC | 10 | 7.313% | $275,000 | 9.1% |
| AmeriSave Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 71.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 9 | Under 10 loans | Under 10 loans | 33.3% |
| BETTER MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| FIRST COLONY MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 8 | Under 10 loans | Under 10 loans | 3.1% |
| PNC Bank, National Association | 8 | Under 10 loans | Under 10 loans | 46.7% |
| Kiavi Funding, Inc. | 8 | Under 10 loans | Under 10 loans | 10.0% |
| GoodLeap, LLC | 8 | Under 10 loans | Under 10 loans | 25.0% |
| ALLIANT CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 18.8% |
| Citadel Servicing Corporation | 7 | Under 10 loans | Under 10 loans | 5.9% |
| QUORUM FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 36.4% |
| CHAMPIONS FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Zions Bancorporation, N.A. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| TRIAD FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| PLANET HOME LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGEONE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MID VALLEY SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 22.2% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 84.0% |
| 21st Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 69.2% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 63.6% |
| Third Federal Savings and Loan Association of Cleveland | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Patelco Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Self-Help Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SCHOOLSFIRST | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 72.7% |
| 254900M2C4Q6DATP2889 | 3 | Under 10 loans | Under 10 loans | 70.0% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 3 | Under 10 loans | Under 10 loans | 42.9% |
| OAKTREE FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 14.3% |
| UMB Bank, National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| AHL FUNDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KBHS HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ROYAL PACIFIC FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LANTZMAN MANAGEMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ML Mortgage Corp. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| VALLEY STRONG CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| 549300PQ03NIDTKFIO56 | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SCENIC OAKS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COASTHILLS CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Financial Partners Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOOGAIN, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COASTAL FUNDING SLC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE POLICE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First American Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 60.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| AgWest Farm Credit, FLCA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Murphy Bank | 1 | Under 10 loans | Under 10 loans | 25.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ORANGE COUNTY'S CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Comerica Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Lendage, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Operating Engineers Local Union #3 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LOGIX FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| SESLOC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| WESCOM CENTRAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| TRAVIS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Chickasaw Community 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% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY WAVE LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PACIFIC LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Easy Street Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Provident Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cazle Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Eagle Community Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 108 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Madera County
14 FDIC-insured branches from 9 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Wells Fargo Bank, National Association | 3 | $332.7 million |
| Community West Bank | 3 | $184.7 million |
| JPMorgan Chase Bank, National Association | 2 | $379.6 million |
| Bank of America, National Association | 1 | $193.3 million |
| Tri Counties Bank | 1 | $175.1 million |
| U.S. Bank National Association | 1 | $102.0 million |
| Citizens Business Bank, National Association | 1 | $94.2 million |
| UMB Bank, National Association | 1 | $88.4 million |
| Westamerica Bank | 1 | $68.2 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- United Security Bank, 40074 Highway 49, Oakhurst
Get told when this changes
When the next year’s lending figures are out for Madera County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.