Mortgage lending in Madera County, California
Lenders in Madera County, California reported 5,955 mortgage applications for 2025, according to the CFPB.
5,955 mortgage applications and 3,401 loans originated in 2025; the denial rate was 24.4% of 4,778 applications decided. The median loan was about $345,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Madera County, CA HUD Metro FMR Area.
- 5,955
- Applications
- 3,401
- Loans originated
- 24.4%
- Denial rate
- 1,165 denied of 4,778 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 5,955 | 3,401 |
| 2024 | 5,590 | 3,121 |
| 2023 | 4,259 | 2,353 |
| 2022 | 6,829 | 3,910 |
| 2021 | 11,643 | 7,165 |
| 2020 | 10,200 | 6,248 |
| 2019 | 6,741 | 3,997 |
| 2018 | 5,456 | 3,059 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 387 | 527 |
| Lennar Mortgage, LLC | 340 | 452 |
| Kind Lending, LLC | 249 | 374 |
| Alameda Mortgage Corporation | 236 | 300 |
| Rocket Mortgage | 206 | 304 |
| Golden Empire Mortgage, Inc. | 129 | 173 |
| The Golden 1 Credit Union | 105 | 199 |
| Sierra Pacific Mortgage Co. Inc | 89 | 112 |
| Pennymac Loan Services LLC | 77 | 140 |
| Educational Employees Credit Union | 65 | 165 |
| Freedom Mortgage Corporation | 55 | 130 |
| The Loan Store, Inc | 49 | 64 |
| JPMorgan Chase Bank, NA | 47 | 75 |
| CMG Mortgage Inc | 45 | 68 |
| Spring Eq, LLC | 44 | 128 |
| loanDepot.com LLC | 36 | 66 |
| CLM Mortgage, Inc | 36 | 41 |
| Crosscountry Mortgage, LLC | 35 | 55 |
| American Pacific Mortgage Corporation | 34 | 49 |
| US Bank, N.A. | 34 | 111 |
| Inspire Home Loans Inc. | 33 | 49 |
| Bank of America NA | 31 | 108 |
| Nationstar Mortgage | 30 | 45 |
| Fairway Independent Mort Corp | 28 | 39 |
| Noble Federal Credit Union | 28 | 70 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 111 | 23.3% of 90 decided |
| Asian | 381 | 23.6% of 297 decided |
| Black or African American | 126 | 21.3% of 94 decided |
| Native Hawaiian or Other Pacific Islander | 24 | no rate: base under 50 |
| White | 3,434 | 22.4% of 2,795 decided |
| 2 or more minority races | withheld | |
| Joint | 135 | 18.2% of 110 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,722 | 29.1% of 1,359 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 2,253 | 26.2% of 1,799 decided |
| Not Hispanic or Latino | 2,204 | 21.6% of 1,783 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,201 | 28.3% of 951 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,055 | 27.7% of 1,619 decided |
| Female | 1,263 | 26.6% of 1,025 decided |
| Joint | 2,042 | 18.1% of 1,688 decided |
| Sex Not Available | 595 | 30.9% of 446 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. 156 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