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Madera County, California · 2025

Mortgage lenders in Madera County, CA: denial rates and top lenders (2025)

299 lenders acted on 5,955 mortgage applications for properties in Madera County in 2025. 19.6% were denied (California: 17.4%). Median rate on closed loans 6.50%; median loan $315,000; median property value $455,000.

6.0kApplications
19.6%Denial ratestate 17.4%
6.50%Median ratestate 6.63%
$315,000Median loan
$455,000Median property value

Largest lenders in Madera County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 527387 13.5%6.13%
2 Lennar Mortgage A 452340 11.5%5.00%
3 Kind Lending C 374249 21.7%6.13%
4 Rocket Mortgage C 304206 20.4%6.75%
5 Alameda Mortgage B 300236 2.0%6.13%
6 The Golden 1 D 199105 31.2%7.75%
7 Golden Empire Mortgage B 173129 4.1%6.43%
8 Educational Employees Credit Union C 16565 52.1%6.50%
9 Pennymac Loan Services C 14077 12.9%6.38%
10 Freedom Mortgage B 13055 6.9%5.75%
11 Spring Eq D 12844 47.7%8.86%
12 Sierra Pacific Mortgage Company C 11289 8.9%6.63%
13 U.S. Bank D 11134 55.0%7.41%
14 Bank of America F 10831 43.5%6.38%
15 JPMorgan Chase Bank B 7547 12.0%6.75%
16 Noble F 7028 47.1%8.25%
17 CMG Mortgage A 6845 8.8%6.06%
18 Loandepot.Com D 6636 25.8%6.56%
19 Lakeview Loan Servicing C 6411 51.6%6.50%
20 The Loan Store B 6449 9.4%6.75%
21 Newrez D 6219 24.2%6.99%
22 Coastal Community Bank C 578 1.8%10.49%
23 Navy Federal Credit Union D 5617 35.7%8.75%
24 Tri Counties Bank C 5523 38.2%5.99%
25 Crosscountry Mortgage B 5535 9.1%6.25%

Best approval odds in Madera County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Alameda Mortgage2422.5%
2Golden Empire Mortgage1405.0%
3Sierra Pacific Mortgage Company9910.1%
4The Loan Store5710.5%
5CMG Mortgage5510.9%
6Freedom Mortgage7412.2%
7Lennar Mortgage39613.1%
8United Shore Financial Services46215.4%
9JPMorgan Chase Bank5715.8%
10Pennymac Loan Services9818.4%

What Madera County borrowers applied for

By loan purpose

Home purchase 2,933 49% · 10.9% denied
Refinance 759 13% · 19.8% denied
Cash-out refinance 1,098 18% · 23.2% denied
Home improvement 529 9% · 37.6% denied
Other / HELOC 636 11% · 37.7% denied

By loan type

Conventional 4,052 68% · 21.7% denied
FHA 1,382 23% · 15.3% denied
VA 515 9% · 13.6% denied
USDA / RHS 6 0% · 33.3% denied

Why applications were denied

Debt-to-income ratio 393 34%
Credit history 219 19%
Incomplete application 151 13%
Collateral 144 12%
Other 97 8%
Unverifiable information 75 6%
Insufficient cash 67 6%
Employment history 16 1%

Madera County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20234,2592,35321.8%6.63%$285,000
20245,5903,12121.1%6.63%$305,000
20255,9553,40119.6%6.50%$315,000

Frequently asked questions

19.6% of applications in Madera County were denied in 2025, against 17.4% statewide in California.

United Shore Financial Services, with 527 applications in 2025 and a denial rate of 13.5%.

The median mortgage application in Madera County in 2025 was for $315,000; the median property value on originated loans was $455,000.