Mortgage lending in Madera County
3,401 mortgages were originated in Madera County, California, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,401
- Median rate
- 6.500%
- Median lender fees
- $8,894
- Median loan amount
- $345,000
- Median spread over APOR
- 0.205
- Paid discount points
- 51.6%
- Received lender credits
- 24.7%
- Purchases / refinances
- 61.3% / 25.2%
- Conventional / FHA / VA
- 66.7% / 25% / 8.1%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 75.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Madera County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 387 | $11,399 | 6.125% |
| LENNAR MORTGAGE, LLC | 340 | $8,090 | 5.000% |
| KIND LENDING, LLC | 249 | $12,177 | 6.125% |
| ALAMEDA MORTGAGE CORPORATION | 236 | $13,644 | 6.250% |
| Rocket Mortgage, LLC | 206 | $5,429 | 6.750% |
| GOLDEN EMPIRE MORTGAGE, INC. | 129 | $9,464 | 6.625% |
| THE GOLDEN 1 | 105 | — | 7.750% |
| Sierra Pacific Mortgage Company, Inc. | 89 | $8,677 | 6.625% |
| PENNYMAC LOAN SERVICES, LLC | 77 | $5,402 | 6.375% |
| EDUCATIONAL EMPLOYEES CREDIT UNION | 65 | — | 6.500% |
What lenders charged here
Lender fees on a $345,000 loan, based on what was actually charged in Madera County — not a rule of thumb.
From 2,579 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers