Home purchase lenders in Madera County
2,086 home purchase mortgages were made in Madera County, California, in 2025, by 201 lenders. The median rate their borrowers got was 6.125% on a median loan of $395,000. Of 2,474 decisions, 321 were denials — 13.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| LENNAR MORTGAGE, LLC | 340 | 4.995% | $435,000 | 13.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 248 | 6.165% | $405,000 | 9.1% |
| ALAMEDA MORTGAGE CORPORATION | 225 | 6.125% | $395,000 | 2.2% |
| KIND LENDING, LLC | 224 | 6.125% | $395,000 | 22.8% |
| GOLDEN EMPIRE MORTGAGE, INC. | 107 | 6.313% | $315,000 | 5.9% |
| Sierra Pacific Mortgage Company, Inc. | 69 | 6.500% | $375,000 | 10.4% |
| Rocket Mortgage, LLC | 60 | 6.500% | $390,000 | 25.9% |
| CMG MORTGAGE, INC. | 44 | 6.000% | $465,000 | 6.0% |
| CLM MORTGAGE, INC. | 36 | 5.125% | $455,000 | 2.6% |
| THE LOAN STORE, INC. | 34 | 6.563% | $385,000 | 5.4% |
| INSPIRE HOME LOANS INC. | 33 | 5.125% | $405,000 | 11.9% |
| JPMorgan Chase Bank, National Association | 33 | 6.625% | $425,000 | 8.1% |
| PENNYMAC LOAN SERVICES, LLC | 29 | 6.375% | $395,000 | 11.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 27 | 6.500% | $365,000 | 18.2% |
| Fairway Independent Mortgage Corporation | 25 | 6.375% | $365,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 24 | 6.188% | $435,000 | 10.7% |
| Broker Solutions, Inc. | 17 | 6.250% | $365,000 | 0.0% |
| JMAC LENDING, INC. | 17 | 6.625% | $405,000 | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 16 | 6.625% | $380,000 | 5.9% |
| UNION HOME MORTGAGE CORP. | 15 | 6.375% | $365,000 | 16.7% |
| FREEDOM MORTGAGE CORPORATION | 15 | 5.500% | $435,000 | 6.3% |
| LEADERONE FINANCIAL CORPORATION | 14 | 6.313% | $380,000 | 6.7% |
| THE GOLDEN 1 | 14 | 6.563% | $330,000 | 12.5% |
| U.S. Bank National Association | 13 | 6.250% | $385,000 | 26.3% |
| Mortgage Research Center, LLC | 12 | 6.313% | $430,000 | 7.7% |
| Commerce Home Mortgage, Inc. | 12 | 7.250% | $375,000 | 14.3% |
| Bank of America, National Association | 12 | 6.375% | $330,000 | 29.4% |
| FlexPoint, Inc. | 12 | 6.375% | $360,000 | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 12 | 6.313% | $335,000 | 14.3% |
| Loandepot.Com, LLC | 12 | 5.375% | $400,000 | 0.0% |
| OCMBC, INC. | 12 | 7.250% | $335,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 11 | 6.750% | $355,000 | 0.0% |
| ALTITUDE FINANCIAL CORPORATION | 11 | 5.750% | $425,000 | 8.3% |
| First National Bank of America | 10 | 8.500% | $305,000 | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 8 | Under 10 loans | Under 10 loans | 10.0% |
| GUARANTEED RATE, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Paramount Residential Mortgage Group, Inc. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| TRIAD FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 45.5% |
| MORTGAGEONE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST COLONY MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATIONAL EMPLOYEES CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| NATIONS DIRECT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| CHAMPIONS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| NEXERA HOLDING 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% |
| MID VALLEY SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 63.6% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 14.3% |
| 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% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Self-Help Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 37.5% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ML Mortgage Corp. | 2 | Under 10 loans | Under 10 loans | 20.0% |
| OAKTREE FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ROYAL PACIFIC FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NOBLE | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SCENIC OAKS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Zions Bancorporation, N.A. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC SERVICE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VALLEY STRONG CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AgWest Farm Credit, FLCA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Murphy Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Chickasaw Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 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% |
| LOGIX FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Eagle Community Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SCHOOLSFIRST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WATER AND POWER COMMUNITY Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VENTURA COUNTY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STARBOARD FINANCIAL MANAGEMENT, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EASTMAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOOGAIN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STRATA Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE MANAGEMENT CONSULTANTS, INC. | 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% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COASTAL FUNDING SLC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE POLICE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECTIONS EQUITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 37.5% |
| Tri Counties Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Tomo Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Click n' Close, Inc. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Empeople Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VISTA POINT MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PANORAMA MORTGAGE GROUP, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 0 | Under 10 loans | Under 10 loans | 50.0% |
| UNITED FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Northpointe Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PNC Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| F&A Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| AAA CAPITAL INVESTMENT, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Filo Mortgage, L.L.C. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| General Mortgage Capital Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PFN Lending Group, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Patelco Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Bank of Hope | 0 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 0 | Under 10 loans | Under 10 loans | Not published |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 0 | Under 10 loans | Under 10 loans | Not published |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| QUORUM FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EVERETT FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| SouthStar Bank, S.S.B. | 0 | Under 10 loans | Under 10 loans | Not published |
| COMPEER FINANCIAL, FLCA | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| NexBank | 0 | Under 10 loans | Under 10 loans | Not published |
| Greenbox Loans, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST FED BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 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 1 lender each made 0 or fewer mortgages here, and is 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.