Home purchase lenders in Tulare County
3,845 home purchase mortgages were made in Tulare County, California, in 2025, by 235 lenders. The median rate their borrowers got was 6.250% on a median loan of $345,000. Of 4,349 decisions, 365 were denials — 8.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| GOLDEN EMPIRE MORTGAGE, INC. | 729 | 6.000% | $355,000 | 2.9% |
| ALAMEDA MORTGAGE CORPORATION | 323 | 6.375% | $335,000 | 3.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 318 | 6.375% | $355,000 | 8.0% |
| DHI MORTGAGE COMPANY, LTD. | 289 | 5.375% | $375,000 | 4.6% |
| Commerce Home Mortgage, Inc. | 245 | 6.500% | $345,000 | 0.8% |
| KIND LENDING, LLC | 165 | 6.125% | $335,000 | 18.3% |
| PACIFIC LENDING LLC | 93 | 6.500% | $315,000 | 0.0% |
| Loandepot.Com, LLC | 92 | 6.125% | $330,000 | 6.1% |
| CLM MORTGAGE, INC. | 89 | 5.990% | $405,000 | 0.0% |
| Rocket Mortgage, LLC | 84 | 6.500% | $350,000 | 21.5% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 78 | 6.313% | $285,000 | 0.0% |
| NEWREZ LLC | 77 | 6.250% | $345,000 | 4.9% |
| CMG MORTGAGE, INC. | 71 | 5.875% | $425,000 | 0.0% |
| INSPIRE HOME LOANS INC. | 67 | 5.500% | $385,000 | 13.4% |
| MLD MORTGAGE INC. | 60 | 6.500% | $295,000 | 1.6% |
| JPMorgan Chase Bank, National Association | 54 | 6.500% | $305,000 | 3.5% |
| Mortgage Research Center, LLC | 45 | 6.250% | $375,000 | 6.1% |
| PENNYMAC LOAN SERVICES, LLC | 45 | 6.250% | $355,000 | 13.5% |
| Sierra Pacific Mortgage Company, Inc. | 40 | 6.500% | $350,000 | 9.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 40 | 6.495% | $325,000 | 4.8% |
| Kiavi Funding, Inc. | 39 | 8.990% | $235,000 | 2.2% |
| OCMBC, INC. | 37 | 6.875% | $285,000 | 2.1% |
| GUARANTEED RATE, INC. | 31 | 6.500% | $345,000 | 8.8% |
| EVERETT FINANCIAL, INC. | 27 | 6.625% | $335,000 | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 23 | 5.750% | $445,000 | 3.6% |
| 21st Mortgage Corporation | 22 | 10.140% | $85,000 | 64.6% |
| PANORAMA MORTGAGE GROUP, LLC | 21 | 6.250% | $275,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 20 | 6.875% | $280,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 19 | 8.730% | $95,000 | 31.6% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 19 | 6.500% | $295,000 | 9.5% |
| THE LOAN STORE, INC. | 19 | 6.750% | $275,000 | 16.0% |
| Self-Help Federal Credit Union | 17 | 7.875% | $235,000 | 10.5% |
| Equity Prime Mortgage LLC | 14 | 6.438% | $405,000 | 0.0% |
| Broker Solutions, Inc. | 14 | 6.750% | $345,000 | 0.0% |
| COASTAL FUNDING SLC, INC. | 14 | 6.375% | $325,000 | 0.0% |
| Bank of America, National Association | 13 | 6.250% | $305,000 | 45.8% |
| Navy Federal Credit Union | 13 | 6.250% | $425,000 | 13.3% |
| FlexPoint, Inc. | 13 | 6.625% | $275,000 | 5.0% |
| LENNAR MORTGAGE, LLC | 13 | 4.875% | $395,000 | 23.5% |
| PLAZA HOME MORTGAGE, INC. | 13 | 6.990% | $295,000 | 23.5% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 12 | 6.625% | $330,000 | 0.0% |
| JMAC LENDING, INC. | 12 | 6.313% | $365,000 | 7.7% |
| U.S. Bank National Association | 11 | 6.500% | $275,000 | 45.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 11 | 6.250% | $305,000 | 8.3% |
| EDUCATIONAL EMPLOYEES CREDIT UNION | 10 | 5.938% | $315,000 | 16.7% |
| FREEDOM MORTGAGE CORPORATION | 10 | 5.688% | $295,000 | 8.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 10 | 6.688% | $360,000 | 16.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Paramount Residential Mortgage Group, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AgWest Farm Credit, FLCA | 7 | Under 10 loans | Under 10 loans | 11.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 7 | Under 10 loans | Under 10 loans | 10.0% |
| SCHOOLSFIRST | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 40.0% |
| DEEPHAVEN MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| NATIONS DIRECT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| NEXERA HOLDING LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ML Mortgage Corp. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 10.0% |
| BMO Bank National Association | 5 | Under 10 loans | Under 10 loans | 44.4% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| THE GOLDEN 1 | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ARC HOME LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| NATIONSTAR MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| LAND HOME FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALTITUDE FINANCIAL CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Peak Residential Lending Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| VALLEY STRONG CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 42.9% |
| Tri Counties Bank | 3 | Under 10 loans | Under 10 loans | 57.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MORIA DEVELOPMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Alliance Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Business Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 25.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| TULARE COUNTY Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BAY-VALLEY MORTGAGE GROUP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GEO-CORP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SCENIC OAKS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fremont Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHLAND CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 549300MPZDD9EFQ1E963 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Murphy Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 549300U4NMMQ8OEM3D10 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| San Joaquin Power Employees Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Provident Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BANK OF STOCKTON | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIERRA CENTRAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MYCUMORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MID VALLEY SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FAY SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 549300DLBRGR2O0VNZ96 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Patelco Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NuVision Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NOBLE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STRATA Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGNIFIED HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CERTIFIED CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AUGUSTA FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SAFE 1 CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
| PACIFIC SERVICE CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Primis Mortgage Company | 0 | Under 10 loans | Under 10 loans | Not published |
| OriginPoint, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| POINT MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 0 | Under 10 loans | Under 10 loans | Not published |
| Filo Mortgage, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| LOGIX FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| FAIRWINDS CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 35 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.