Largest lenders in Fresno County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 2,527 | 1,863 | 11.4% | 6.38% |
| 2 | Rocket Mortgage | C | 1,523 | 1,112 | 16.6% | 6.88% |
| 3 | Educational Employees Credit Union | C | 1,460 | 616 | 48.6% | 6.50% |
| 4 | Alameda Mortgage | B | 1,144 | 800 | 2.8% | 6.50% |
| 5 | Kind Lending | C | 1,039 | 753 | 17.8% | 6.38% |
| 6 | Pennymac Loan Services | C | 710 | 382 | 13.4% | 6.50% |
| 7 | The Golden 1 | D | 696 | 317 | 42.4% | 7.88% |
| 8 | Noble | F | 693 | 275 | 36.5% | 8.25% |
| 9 | Lennar Mortgage | A | 641 | 490 | 9.2% | 5.75% |
| 10 | Bank of America | F | 632 | 207 | 41.6% | 6.38% |
| 11 | Golden Empire Mortgage | B | 605 | 386 | 5.3% | 6.25% |
| 12 | Spring Eq | D | 531 | 159 | 53.7% | 9.13% |
| 13 | Freedom Mortgage | B | 474 | 181 | 7.4% | 6.25% |
| 14 | U.S. Bank | D | 450 | 169 | 42.9% | 8.05% |
| 15 | Coastal Community Bank | C | 435 | 84 | 3.2% | 10.49% |
| 16 | Newrez | D | 419 | 131 | 26.3% | 7.25% |
| 17 | The Loan Store | B | 378 | 282 | 8.2% | 6.63% |
| 18 | Figure Lending | C | 338 | 174 | 21.9% | 9.35% |
| 19 | Loandepot.Com | D | 335 | 162 | 25.1% | 7.50% |
| 20 | Lakeview Loan Servicing | C | 323 | 52 | 58.2% | 6.25% |
| 21 | Nationstar Mortgage | C | 310 | 187 | 21.3% | 7.38% |
| 22 | JPMorgan Chase Bank | B | 275 | 175 | 6.6% | 6.50% |
| 23 | Broker Solutions | D | 256 | 91 | 6.6% | 6.75% |
| 24 | Mortgage Research Center | C | 249 | 108 | 23.7% | 6.25% |
| 25 | AmeriSave Mortgage | D | 238 | 65 | 62.2% | 8.63% |
Best approval odds in Fresno County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Premier Mortgage Resources | 50 | 0.0% |
| 2 | Clm Mortgage | 75 | 1.3% |
| 3 | Residential Wholesale Mortgage | 59 | 1.7% |
| 4 | Ark-La-Tex Financial Services, LLC. | 54 | 1.9% |
| 5 | Jmac Lending | 68 | 2.9% |
| 6 | Commerce Home Mortgage | 64 | 3.1% |
| 7 | Paramount Residential Mortgage Group | 125 | 3.2% |
| 8 | Alameda Mortgage | 833 | 3.8% |
| 9 | Coastal Community Bank | 285 | 4.9% |
| 10 | Guild Mortgage | 124 | 5.7% |
What Fresno County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Fresno County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 20,915 | 11,015 | 24.0% | 6.75% | $235,000 |
| 2024 | 24,174 | 13,027 | 22.5% | 6.75% | $255,000 |
| 2025 | 25,744 | 14,101 | 20.4% | 6.62% | $255,000 |
Frequently asked questions
20.4% of applications in Fresno County were denied in 2025, against 17.4% statewide in California.
United Shore Financial Services, with 2,527 applications in 2025 and a denial rate of 11.4%.
The median mortgage application in Fresno County in 2025 was for $255,000; the median property value on originated loans was $445,000.