Mortgage lenders in Merced County
3,637 mortgages were made in Merced County, California, in 2025, by 311 lenders. The median rate their borrowers got was 6.500% on a median loan of $315,000. Of 5,119 decisions, 1,205 were denials — 23.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 463 | 6.131% | $365,000 | 14.8% |
| Rocket Mortgage, LLC | 261 | 6.875% | $235,000 | 21.8% |
| LEADERONE FINANCIAL CORPORATION | 214 | 6.250% | $345,000 | 5.7% |
| DHI MORTGAGE COMPANY, LTD. | 182 | 5.500% | $425,000 | 9.9% |
| GUARANTEED RATE, INC. | 126 | 6.250% | $365,000 | 4.4% |
| MERCED SCHOOL EMPLOYEES FEDERAL CREDIT UNION | 103 | Not published | $115,000 | 8.6% |
| KIND LENDING, LLC | 97 | 6.375% | $345,000 | 24.6% |
| PENNYMAC LOAN SERVICES, LLC | 68 | 6.750% | $260,000 | 13.6% |
| INSPIRE HOME LOANS INC. | 62 | 5.875% | $395,000 | 11.3% |
| Loandepot.Com, LLC | 61 | 6.750% | $175,000 | 32.3% |
| Bank of America, National Association | 59 | 6.490% | $105,000 | 52.3% |
| FREEDOM MORTGAGE CORPORATION | 58 | 6.188% | $350,000 | 11.4% |
| JPMorgan Chase Bank, National Association | 56 | 6.750% | $310,000 | 18.1% |
| SPRING EQ, LLC | 50 | 8.963% | $65,000 | 61.2% |
| TRAVIS CREDIT UNION | 47 | 7.240% | $95,000 | 13.0% |
| THE GOLDEN 1 | 45 | 7.750% | $105,000 | 44.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 45 | 6.740% | $355,000 | 7.7% |
| GUILD MORTGAGE COMPANY | 42 | 6.000% | $370,000 | 0.0% |
| THE LOAN STORE, INC. | 40 | 6.875% | $340,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 39 | 6.625% | $375,000 | 22.0% |
| OCMBC, INC. | 38 | 6.937% | $275,000 | 15.9% |
| Paramount Residential Mortgage Group, Inc. | 38 | 6.625% | $345,000 | 5.0% |
| NATIONSTAR MORTGAGE LLC | 37 | 8.375% | $135,000 | 26.0% |
| FIGURE LENDING LLC | 36 | 8.963% | $70,000 | 29.7% |
| FlexPoint, Inc. | 36 | 6.625% | $335,000 | 3.9% |
| NEXERA HOLDING LLC | 33 | 7.375% | $305,000 | 13.2% |
| Broker Solutions, Inc. | 32 | 6.750% | $355,000 | 18.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 32 | 6.313% | $345,000 | 8.6% |
| SCENIC OAKS FUNDING, LLC | 32 | 6.625% | $335,000 | 3.0% |
| PNC Bank, National Association | 30 | 7.250% | $240,000 | 42.9% |
| NEWREZ LLC | 29 | 6.750% | $195,000 | 43.1% |
| MORTGAGEONE, INC. | 29 | 6.750% | $385,000 | 0.0% |
| Coastal Community Bank | 28 | 10.490% | $55,000 | 2.3% |
| GOLDEN EMPIRE MORTGAGE, INC. | 28 | 6.000% | $320,000 | 6.7% |
| U.S. Bank National Association | 25 | 7.625% | $205,000 | 56.1% |
| Kiavi Funding, Inc. | 22 | 9.475% | $290,000 | 4.4% |
| Wells Fargo Bank, National Association | 21 | 6.250% | $255,000 | 44.7% |
| TRIAD FINANCIAL SERVICES, INC. | 20 | 8.740% | $125,000 | 20.0% |
| Sierra Pacific Mortgage Company, Inc. | 20 | 6.313% | $335,000 | 13.0% |
| EDUCATIONAL EMPLOYEES CREDIT UNION | 19 | 6.500% | $105,000 | 55.8% |
| Mortgage Research Center, LLC | 19 | 6.125% | $395,000 | 42.4% |
| ALAMEDA MORTGAGE CORPORATION | 18 | 6.063% | $345,000 | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 18 | 5.875% | $360,000 | 0.0% |
| Navy Federal Credit Union | 17 | 8.500% | $105,000 | 45.2% |
| LAND HOME FINANCIAL SERVICES, INC. | 17 | 6.750% | $395,000 | 5.3% |
| AmeriSave Mortgage Corporation | 15 | 8.625% | $75,000 | 75.4% |
| Patelco Credit Union | 15 | 8.000% | $85,000 | 11.8% |
| 21st Mortgage Corporation | 14 | 9.215% | $175,000 | 70.6% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 14 | 6.433% | $270,000 | 17.7% |
| LENNAR MORTGAGE, LLC | 14 | 4.500% | $430,000 | 17.7% |
| Synergy One Lending, Inc. | 14 | 6.125% | $315,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 13 | 6.125% | $205,000 | 66.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 13 | 7.625% | $115,000 | 18.8% |
| Farmers & Merchants Bank of Central California | 13 | Not published | $165,000 | 33.3% |
| Lendage, LLC | 13 | 11.500% | $65,000 | 11.8% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 13 | 6.750% | $305,000 | 7.1% |
| MISSION LOANS, LLC | 12 | 7.000% | $400,000 | 7.1% |
| Equity Prime Mortgage LLC | 12 | 6.375% | $370,000 | 25.0% |
| Citibank, National Association | 11 | 8.375% | $105,000 | 31.3% |
| Commerce Home Mortgage, Inc. | 11 | 7.250% | $405,000 | 15.4% |
| CMG MORTGAGE, INC. | 11 | 6.990% | $345,000 | 20.0% |
| Self-Help Federal Credit Union | 11 | 8.625% | $385,000 | 15.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 10 | 6.875% | $385,000 | 21.1% |
| BMO Bank National Association | 10 | 9.480% | $110,000 | 45.0% |
| Tri Counties Bank | 10 | 5.990% | $75,000 | 47.4% |
| AMERITRUST MORTGAGE CORPORATION | 10 | 6.870% | $395,000 | 0.0% |
| AMWEST FUNDING CORP. | 10 | 6.875% | $385,000 | 23.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 10 | 6.433% | $250,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 10 | 6.750% | $260,000 | 0.0% |
| Umpqua Bank | 10 | 6.875% | $365,000 | 9.1% |
| AMERIHOME MORTGAGE COMPANY, LLC | 10 | 6.438% | $315,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 65.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 9 | Under 10 loans | Under 10 loans | 33.3% |
| Third Federal Savings and Loan Association of Cleveland | 9 | Under 10 loans | Under 10 loans | 37.5% |
| A&D Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| NQM FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 15.4% |
| UNION HOME MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| MERIWEST | 8 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIANT CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Greenbox Loans, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 7 | Under 10 loans | Under 10 loans | 46.2% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 46.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 41.7% |
| MERCO | 7 | Under 10 loans | Under 10 loans | 12.5% |
| BAY | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Mechanics Bank | 7 | Under 10 loans | Under 10 loans | 36.4% |
| ML Mortgage Corp. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Fairway Independent Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 6 | Under 10 loans | Under 10 loans | 36.4% |
| CHAMPIONS FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| DEEPHAVEN MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 45.5% |
| BAY-VALLEY MORTGAGE GROUP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 6 | Under 10 loans | Under 10 loans | 30.0% |
| Mirastar Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CONVENTUS LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AHL FUNDING | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 12.5% |
| PACIFIC SERVICE CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| KEYPOINT Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 85.7% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 63.6% |
| LoanUnited.com, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE AFFINITY, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CommonWealth Central Credit Union | 4 | Under 10 loans | Under 10 loans | 42.9% |
| First National Bank of America | 4 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Tomo Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALTITUDE FINANCIAL CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AgWest Farm Credit, FLCA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| OAKTREE FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| General Mortgage Capital Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SUMMIT FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LANTZMAN MANAGEMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 81.8% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Fremont Bank | 2 | Under 10 loans | Under 10 loans | 75.0% |
| INTELLILOAN, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| NOBLE | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CITIZENS EQUITY FIRST | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 50.0% |
| REDWOOD | 2 | Under 10 loans | Under 10 loans | 33.3% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 5TH STREET CAPITAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GEO-CORP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AUGUSTA FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mission City Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOGIX FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| IVY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Banner Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| San Mateo Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SCHOOLSFIRST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EFINITY FINANCIAL INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PANORAMA MORTGAGE GROUP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| California Coast Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 111 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Merced County
25 FDIC-insured branches from 10 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Westamerica Bank | 7 | $595.3 million |
| Wells Fargo Bank, National Association | 3 | $484.9 million |
| Mechanics Bank | 3 | $311.7 million |
| JPMorgan Chase Bank, National Association | 2 | $624.5 million |
| Bank of America, National Association | 2 | $468.1 million |
| Farmers & Merchants Bank of Central California | 2 | $329.4 million |
| Citibank, National Association | 2 | $280.0 million |
| PNC Bank, National Association | 2 | $103.9 million |
| Tri Counties Bank | 1 | $109.5 million |
| Community West Bank | 1 | $60.9 million |
Get told when this changes
When the next year’s lending figures are out for Merced 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.