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Tulare County, California · 2025

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

343 lenders acted on 12,233 mortgage applications for properties in Tulare County in 2025. 17.8% were denied (California: 17.4%). Median rate on closed loans 6.50%; median loan $255,000; median property value $395,000.

12kApplications
17.8%Denial ratestate 17.4%
6.50%Median ratestate 6.63%
$255,000Median loan
$395,000Median property value

Largest lenders in Tulare County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Golden Empire Mortgage B 1,015801 3.2%6.13%
2 United Shore Financial Services B 786553 13.5%6.13%
3 Rocket Mortgage C 610416 21.8%6.99%
4 Alameda Mortgage B 489351 3.1%6.38%
5 Commerce Home Mortgage C 404294 2.7%6.63%
6 Educational Employees Credit Union C 402133 59.0%6.50%
7 Dhi Mortgage Company B 383289 3.7%5.38%
8 Newrez D 346153 15.3%6.63%
9 Pennymac Loan Services C 345172 13.6%6.66%
10 Bank of America F 32794 42.8%6.49%
11 Freedom Mortgage B 309117 7.4%6.25%
12 Loandepot.Com D 289169 20.8%6.58%
13 Kind Lending C 254187 17.3%6.25%
14 Spring Eq D 24373 52.3%9.45%
15 Valley Strong Credit Union C 19092 25.3%8.23%
16 U.S. Bank D 18352 52.5%8.05%
17 Coastal Community Bank C 17835 1.1%10.74%
18 Figure Lending C 17378 26.6%8.70%
19 Lakeview Loan Servicing C 14318 57.3%6.38%
20 JPMorgan Chase Bank B 14288 10.6%6.63%
21 AmeriSave Mortgage D 14244 57.8%8.50%
22 Nationstar Mortgage C 14181 24.1%8.13%
23 Mortgage Research Center C 13560 23.0%6.25%
24 Pacific Lending B 134111 0.0%6.50%
25 Guaranteed Rate B 13367 7.5%6.63%

Best approval odds in Tulare County

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

#LenderDecidedDecision denial rate
1CMG Mortgage810.0%
2Clm Mortgage940.0%
3Residential Wholesale Mortgage830.0%
4Pacific Lending1110.0%
5Mld Mortgage731.4%
6Coastal Community Bank1171.7%
7Kiavi Funding551.8%
8Commerce Home Mortgage3093.6%
9Ark-La-Tex Financial Services, LLC.563.6%
10Golden Empire Mortgage8533.8%

What Tulare County borrowers applied for

By loan purpose

Home purchase 5,321 43% · 6.9% denied
Refinance 1,496 12% · 18.0% denied
Cash-out refinance 2,763 23% · 21.8% denied
Home improvement 1,028 8% · 37.7% denied
Other / HELOC 1,625 13% · 34.2% denied

By loan type

Conventional 8,187 67% · 20.9% denied
FHA 3,211 26% · 11.9% denied
VA 819 7% · 10.6% denied
USDA / RHS 16 0% · 12.5% denied

Why applications were denied

Debt-to-income ratio 735 34%
Credit history 410 19%
Incomplete application 381 18%
Collateral 269 12%
Other 172 8%
Unverifiable information 109 5%
Insufficient cash 77 4%
Employment history 14 1%

Tulare County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20238,6394,40722.9%6.75%$215,000
202410,4315,72521.1%6.63%$235,000
202512,2336,84317.8%6.50%$255,000

Frequently asked questions

17.8% of applications in Tulare County were denied in 2025, against 17.4% statewide in California.

Golden Empire Mortgage, with 1,015 applications in 2025 and a denial rate of 3.2%.

The median mortgage application in Tulare County in 2025 was for $255,000; the median property value on originated loans was $395,000.