Mortgage lending in Merced County, California
Lenders in Merced County, California reported 6,502 mortgage applications for 2025, according to the CFPB.
6,502 mortgage applications and 3,640 loans originated in 2025; the denial rate was 23.6% of 5,126 applications decided. The median loan was about $315,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Merced, CA MSA.
- 6,502
- Applications
- 3,640
- Loans originated
- 23.6%
- Denial rate
- 1,209 denied of 5,126 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 6,502 | 3,640 |
| 2024 | 6,383 | 3,458 |
| 2023 | 5,540 | 2,931 |
| 2022 | 9,428 | 5,137 |
| 2021 | 18,578 | 11,356 |
| 2020 | 16,429 | 9,996 |
| 2019 | 11,396 | 6,522 |
| 2018 | 9,633 | 5,386 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 463 | 648 |
| Rocket Mortgage | 261 | 372 |
| Leaderone Financial Corp. | 214 | 257 |
| DHI Mortgage Company, LTD. | 182 | 237 |
| Guaranteed Rate, Inc. | 126 | 192 |
| Merced School Employees Federal Credit Union | 103 | 122 |
| Kind Lending, LLC | 97 | 149 |
| Pennymac Loan Services LLC | 68 | 115 |
| Inspire Home Loans Inc. | 62 | 91 |
| loanDepot.com LLC | 61 | 119 |
| Bank of America NA | 59 | 159 |
| Freedom Mortgage Corporation | 58 | 133 |
| JPMorgan Chase Bank, NA | 56 | 95 |
| Spring Eq, LLC | 50 | 160 |
| Travis Credit Union | 47 | 62 |
| Crosscountry Mortgage, LLC | 45 | 79 |
| The Golden 1 Credit Union | 45 | 94 |
| Guild Mortgage Company | 42 | 58 |
| The Loan Store, Inc | 40 | 53 |
| Plaza Home Mortgage, Inc | 39 | 52 |
| Paramount Residential Mortgage | 38 | 60 |
| Ocmbc, Inc. | 38 | 70 |
| Nationstar Mortgage | 37 | 63 |
| Flexpoint, Inc. | 36 | 59 |
| Figure Lending LLC | 36 | 80 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 124 | 30.9% of 97 decided |
| Asian | 576 | 20.6% of 457 decided |
| Black or African American | 155 | 34.5% of 110 decided |
| Native Hawaiian or Other Pacific Islander | 29 | no rate: base under 50 |
| White | 3,466 | 21.7% of 2,825 decided |
| 2 or more minority races | withheld | |
| Joint | 140 | 17.2% of 99 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,988 | 26.6% of 1,494 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 3,093 | 23.9% of 2,486 decided |
| Not Hispanic or Latino | 1,954 | 22.9% of 1,532 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,204 | 25.3% of 900 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,481 | 24.5% of 1,967 decided |
| Female | 1,347 | 25.6% of 1,046 decided |
| Joint | 2,084 | 18.3% of 1,698 decided |
| Sex Not Available | 590 | 35.7% of 415 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. 220 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