California · HMDA 2025
Mortgage lenders in Merced County, CA
307 lenders reported 7,630 home-loan applications in Merced County in 2025. 3,640 closed as loans ($1.1B), 1,209 were denied — a 23.6% denial rate on decided applications, above the California rate of 22.3%. The three most active lenders handled 18% of applications, led by UNITED SHORE FINANCIAL SERVICES, LLC. 9 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 7,630
- Loans originated
- 3,640
- Purchase / refinance
- 2,019 / 1,035
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Merced County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLC | 650 | 8.5% | — |
| 2 | Rocket Mortgage, LLC | 376 | 4.9% | — |
| 3 | LEADERONE FINANCIAL CORPORATION | 324 | 4.2% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 300 | 3.9% | — |
| 5 | LAKEVIEW LOAN SERVICING, LLC | 266 | 3.5% | — |
| 6 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 257 | 3.4% | 14.1% |
| 7 | DHI MORTGAGE COMPANY, LTD. | 237 | 3.1% | — |
| 8 | GUARANTEED RATE, INC. | 193 | 2.5% | — |
| 9 | FREEDOM MORTGAGE CORPORATION | 193 | 2.5% | — |
| 10 | Bank of America, National Association 59 out of 100, Moderate | 166 | 2.2% | 44.7% |
| 11 | SPRING EQ, LLC | 162 | 2.1% | — |
| 12 | KIND LENDING, LLC | 149 | 2.0% | — |
| 13 | NEWREZ LLC | 140 | 1.8% | — |
| 14 | FIGURE LENDING LLC | 130 | 1.7% | — |
| 15 | Coastal Community Bank 35 out of 100, Low | 128 | 1.7% | 3.0% |
| 16 | MERCED SCHOOL EMPLOYEES FEDERAL CREDIT UNION 81 out of 100, Strong | 126 | 1.7% | 8.9% |
| 17 | Loandepot.Com, LLC | 119 | 1.6% | — |
| 18 | NATIONSTAR MORTGAGE LLC | 109 | 1.4% | — |
| 19 | AMERIHOME MORTGAGE COMPANY, LLC | 104 | 1.4% | — |
| 20 | THE GOLDEN 1 | 94 | 1.2% | — |
| 21 | INSPIRE HOME LOANS INC. | 91 | 1.2% | — |
| 22 | 21st Mortgage Corporation | 84 | 1.1% | — |
| 23 | Broker Solutions, Inc. | 81 | 1.1% | — |
| 24 | CROSSCOUNTRY MORTGAGE, INC. | 79 | 1.0% | — |
| 25 | U.S. Bank National Association 55 out of 100, Moderate | 76 | 1.0% | 39.5% |
| 26 | PNC Bank, National Association 62 out of 100, Moderate | 71 | 0.9% | 33.8% |
| 27 | Paramount Residential Mortgage Group, Inc. | 71 | 0.9% | — |
| 28 | OCMBC, INC. | 71 | 0.9% | — |
| 29 | AmeriSave Mortgage Corporation | 69 | 0.9% | — |
| 30 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 68 | 0.9% | 22.2% |
| 31 | TRAVIS CREDIT UNION 65 out of 100, Moderate | 62 | 0.8% | 10.2% |
| 32 | GUILD MORTGAGE COMPANY | 59 | 0.8% | — |
| 33 | FlexPoint, Inc. | 59 | 0.8% | — |
| 34 | PLAZA HOME MORTGAGE, INC. | 58 | 0.8% | — |
| 35 | EDUCATIONAL EMPLOYEES CREDIT UNION 96 out of 100, Very strong | 54 | 0.7% | 52.0% |
| 36 | THE LOAN STORE, INC. | 53 | 0.7% | — |
| 37 | CMG MORTGAGE, INC. | 51 | 0.7% | — |
| 38 | PLANET HOME LENDING, LLC | 49 | 0.6% | — |
| 39 | NEXERA HOLDING LLC | 49 | 0.6% | — |
| 40 | MORTGAGEONE, INC. | 48 | 0.6% | — |
Top 40 of 307 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in California
- Los Angeles County 221,487 apps
- San Diego County 103,767 apps
- Riverside County 103,444 apps
- Orange County 86,651 apps
- San Bernardino County 77,329 apps
- Sacramento County 56,166 apps
- Santa Clara County 45,843 apps
- Alameda County 41,873 apps
- Contra Costa County 38,954 apps
- Kern County 31,328 apps
- Fresno County 29,585 apps
- San Joaquin County 28,724 apps