Mortgage lending in Fresno County, California
Lenders in Fresno County, California reported 25,744 mortgage applications for 2025, according to the CFPB.
25,744 mortgage applications and 14,101 loans originated in 2025; the denial rate was 25.7% of 20,411 applications decided. The median loan was about $295,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Fresno, CA HUD Metro FMR Area.
- 25,744
- Applications
- 14,101
- Loans originated
- 25.7%
- Denial rate
- 5,249 denied of 20,411 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 25,744 | 14,101 |
| 2024 | 24,174 | 13,027 |
| 2023 | 20,915 | 11,015 |
| 2022 | 34,100 | 19,296 |
| 2021 | 63,810 | 40,010 |
| 2020 | 58,769 | 36,380 |
| 2019 | 37,069 | 22,060 |
| 2018 | 30,947 | 18,012 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 1,863 | 2,527 |
| Rocket Mortgage | 1,112 | 1,523 |
| Alameda Mortgage Corporation | 800 | 1,144 |
| Kind Lending, LLC | 753 | 1,039 |
| Educational Employees Credit Union | 616 | 1,460 |
| Lennar Mortgage, LLC | 490 | 641 |
| Golden Empire Mortgage, Inc. | 386 | 605 |
| Pennymac Loan Services LLC | 382 | 710 |
| The Golden 1 Credit Union | 317 | 696 |
| The Loan Store, Inc | 282 | 378 |
| Noble Federal Credit Union | 275 | 693 |
| Bank of America NA | 207 | 632 |
| Nationstar Mortgage | 187 | 310 |
| Freedom Mortgage Corporation | 181 | 474 |
| JPMorgan Chase Bank, NA | 175 | 275 |
| Figure Lending LLC | 174 | 338 |
| US Bank, N.A. | 169 | 450 |
| loanDepot.com LLC | 162 | 335 |
| Spring Eq, LLC | 159 | 531 |
| Kiavi Funding, Inc. | 154 | 210 |
| Newrez LLC | 131 | 419 |
| Sierra Pacific Mortgage Co. Inc | 126 | 186 |
| Paramount Residential Mortgage | 121 | 159 |
| KBHS Home Loans, LLC | 121 | 187 |
| Tri Counties Bank | 121 | 157 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 410 | 31.4% of 309 decided |
| Asian | 3,189 | 24.8% of 2,565 decided |
| Black or African American | 786 | 36.2% of 591 decided |
| Native Hawaiian or Other Pacific Islander | 70 | 33.3% of 60 decided |
| White | 12,532 | 22.5% of 10,123 decided |
| 2 or more minority races | 60 | no rate: base under 50 |
| Joint | 567 | 16.4% of 471 decided |
| Free Form Text Only | 27 | no rate: base under 50 |
| Race Not Available | 8,103 | 30.5% of 6,230 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 8,723 | 27.4% of 6,942 decided |
| Not Hispanic or Latino | 9,997 | 23.1% of 8,038 decided |
| Joint | withheld | |
| Ethnicity Not Available | 5,846 | 29.2% of 4,473 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 8,781 | 28.5% of 6,924 decided |
| Female | 5,896 | 27.6% of 4,707 decided |
| Joint | 8,113 | 19.9% of 6,618 decided |
| Sex Not Available | 2,954 | 30.4% of 2,162 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 295 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved