MADERA Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Madera averaged
6.97%
for the week of 2025-05-22, compared to the national average of
6.86% for the same period.
The average rate for the prior week (2025-05-15) was
6.52% and
one month ago for the week of 2025-04-17, the
average rate was 6.54%.
Madera's average rate one year ago was 7.13%.
For refis of the same type during the week of 2025-05-22, the average rate
was 6.74%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| Madera 30 Year Fixed Rate | 2025-05-22 | 6.97% |
| Madera 30 Year Fixed Rate Refi | 2025-05-22 | 6.74% |
| Madera 15 Year Fixed Rate | 2025-05-22 | 6.11% |
| Madera 15 Year Fixed Rate Refi | 2025-05-22 | 5.91% |
| Madera 30 Year FHA | 2025-05-22 | 5.97% |
| Madera 30 Year FHA Refi | 2025-05-22 | 6.81% |
| Madera 30 Year USDA | 2025-05-22 | 6.63% |
| Madera 30 Year USDA Refi | 2025-05-22 | 6.23% |
| Madera 30 Year VA | 2025-05-22 | 6.03% |
| Madera 30 Year VA Refi | 2025-05-22 | 6.72% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within MADERA, CA.
MADERA Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the MADERA, CA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
MADERA Average Closing Costs & Other Stats
MADERA, CA's 145 lenders originated 3,076
loans during 2024. The total origination value was $988,240,000, with an average loan value of
$321,274.
MADERA's average closing costs are $7,119.
The top MADERA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
174 loans originated. Their average total fees are
$12,112, which is $2,826
higher than the next largest lender,
EAGLE HOME MORTGAGE, LLC.
The lowest fee MADERA lenders (with over 10 loans originated) are
Educational Employees Credit Union ($2,556), THE GOLDEN 1 ($3,289), DHI MORTGAGE COMPANY, LTD. ($3,602), CLM MORTGAGE, INC ($5,917) and PENNYMAC LOAN SERVICES, LLC ($7,476).
The lowest rate MADERA lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.63%), Educational Employees Credit Union (5.93%), EAGLE HOME MORTGAGE, LLC (5.96%), KBHS HOME LOANS, LLC (6.12%) and PREMIER MORTGAGE RESOURCES, L.L.C. (6.35%).
MADERA, CA Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $101,295,000 | $146,040,000 | 44.2% | 14.8% |
| Century Mortgage Company DBA Century Lending Company | $63,565,000 | $109,550,000 | 72.3% | 11.1% |
| EAGLE HOME MORTGAGE, LLC | $21,085,000 | $93,305,000 | 342.5% | 9.4% |
| QUICKEN LOANS, LLC | $50,300,000 | $44,335,000 | -11.9% | 4.5% |
| Sierra Pacific Mortgage Company, Inc. | $27,540,000 | $41,340,000 | 50.1% | 4.2% |
| Golden Empire Mortgage, Inc. | $9,455,000 | $32,295,000 | 241.6% | 3.3% |
| Paramount Residential Mortgage Group, Inc. | $20,075,000 | $29,455,000 | 46.7% | 3.0% |
| JPMorgan Chase Bank | $4,115,000 | $23,630,000 | 474.2% | 2.4% |
| PENNYMAC LOAN SERVICES, LLC | $22,660,000 | $21,975,000 | -3.0% | 2.2% |
| ALAMEDA MORTGAGE CORPORATION | $24,990,000 | $21,330,000 | -14.6% | 2.2% |
| CMG MORTGAGE, INC. | $14,285,000 | $12,930,000 | -9.5% | 1.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $20,085,000 | $12,200,000 | -39.3% | 1.2% |
| DHI MORTGAGE COMPANY, LTD. | $24,640,000 | $12,170,000 | -50.6% | 1.2% |
| KBHS HOME LOANS, LLC | $7,405,000 | $11,495,000 | 55.2% | 1.2% |
| NORWICH COMMERCIAL GROUP, INC. | $345,000 | $11,370,000 | 3,195.7% | 1.2% |
| Educational Employees Credit Union | $11,465,000 | $11,170,000 | -2.6% | 1.1% |
| The Loan Store, Inc. | $4,765,000 | $10,875,000 | 128.2% | 1.1% |
| FREEDOM MORTGAGE CORPORATION | $3,775,000 | $9,905,000 | 162.4% | 1.0% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $8,010,000 | $9,815,000 | 22.5% | 1.0% |
| THE GOLDEN 1 | $5,190,000 | $9,315,000 | 79.5% | 0.9% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $14,860,000 | $9,105,000 | -38.7% | 0.9% |
| PLAZA HOME MORTGAGE, INC. | $7,805,000 | $8,155,000 | 4.5% | 0.8% |
| CLM MORTGAGE, INC | $7,940,000 | n/a | 0.8% | |
| U.S. Bank | $9,270,000 | $7,350,000 | -20.7% | 0.7% |
| CROSSCOUNTRY MORTGAGE, LLC | $6,365,000 | $7,300,000 | 14.7% | 0.7% |
| ALTITUDE FINANCIAL CORPORATION | $4,355,000 | $7,255,000 | 66.6% | 0.7% |
| GUARANTEED RATE, INC. | $7,870,000 | $7,050,000 | -10.4% | 0.7% |
| INSPIRE HOME LOANS INC. | $17,530,000 | $6,620,000 | -62.2% | 0.7% |
| NAVY FEDERAL CREDIT UNION | $4,460,000 | $6,420,000 | 43.9% | 0.6% |
| LOANDEPOT.COM, LLC | $4,855,000 | $5,890,000 | 21.3% | 0.6% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $2,510,000 | $5,850,000 | 133.1% | 0.6% |
| Flagstar Bank, FSB | $5,470,000 | $5,800,000 | 6.0% | 0.6% |
| Northpointe Bank | $1,145,000 | $5,405,000 | 372.1% | 0.5% |
| GUILD MORTGAGE COMPANY | $4,810,000 | $5,270,000 | 9.6% | 0.5% |
| Performance Financial, Inc. | $4,875,000 | n/a | 0.5% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,570,000 | $4,835,000 | 208.0% | 0.5% |
| VILLAGE CAPITAL MORTGAGE | $650,000 | $4,625,000 | 611.5% | 0.5% |
| Mortgage Research Center, LLC | $4,425,000 | $4,615,000 | 4.3% | 0.5% |
| JMAC LENDING, INC. | $1,835,000 | $4,500,000 | 145.2% | 0.5% |
| LEADERONE FINANCIAL CORPORATION | $1,255,000 | $4,465,000 | 255.8% | 0.5% |
| FIRST COMMUNITY MORTGAGE, INC. | $2,070,000 | $4,285,000 | 107.0% | 0.4% |
| OCMBC, INC. | $3,490,000 | $4,265,000 | 22.2% | 0.4% |
| Noble Federal Credit Union | $2,760,000 | $4,255,000 | 54.2% | 0.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $2,385,000 | $4,195,000 | 75.9% | 0.4% |
| LENDINGHOME FUNDING CORPORATION | $1,090,000 | $4,120,000 | 278.0% | 0.4% |
| Bank of America | $8,365,000 | $3,915,000 | -53.2% | 0.4% |
| NEWREZ LLC | $2,895,000 | $3,875,000 | 33.9% | 0.4% |
| BROKER SOLUTIONS, INC. | $3,175,000 | $3,860,000 | 21.6% | 0.4% |
| AMERICAN FINANCIAL NETWORK, INC. | $2,275,000 | $3,385,000 | 48.8% | 0.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,700,000 | $3,300,000 | 94.1% | 0.3% |
| FIRST COLONY MORTGAGE CORPORATION | $3,145,000 | n/a | 0.3% | |
| SUN WEST MORTGAGE COMPANY, INC. | $1,005,000 | $3,020,000 | 200.5% | 0.3% |
| Tri Counties Bank | $2,815,000 | $2,990,000 | 6.2% | 0.3% |
| Commerce Home Mortgage, Inc. | $1,570,000 | $2,860,000 | 82.2% | 0.3% |
| MID-VALLEY SERVICES, INC. | $660,000 | $2,810,000 | 325.8% | 0.3% |
| NEXERA HOLDING LLC | $2,015,000 | $2,755,000 | 36.7% | 0.3% |
| Carrington Mortgage Services, LLC | $1,365,000 | $2,550,000 | 86.8% | 0.3% |
| MACKILLIE INCORPORATED | $315,000 | $2,530,000 | 703.2% | 0.3% |
| ARC HOME LLC | $2,440,000 | n/a | 0.2% | |
| Figure Lending LLC | $905,000 | $2,375,000 | 162.4% | 0.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $2,110,000 | $2,305,000 | 9.2% | 0.2% |
| BMO Harris Bank | $1,290,000 | $2,245,000 | 74.0% | 0.2% |
| Wells Fargo Bank | $6,060,000 | $2,140,000 | -64.7% | 0.2% |
| LOANPAL, LLC | $515,000 | $1,975,000 | 283.5% | 0.2% |
| S1L, Inc. | $420,000 | $1,935,000 | 360.7% | 0.2% |
| HOMEXPRESS MORTGAGE CORP. | $770,000 | $1,840,000 | 139.0% | 0.2% |
| LAND HOME FINANCIAL SERVICES, INC. | $700,000 | $1,780,000 | 154.3% | 0.2% |
| SPRING EQ, LLC | $225,000 | $1,780,000 | 691.1% | 0.2% |
| BAY-VALLEY MORTGAGE GROUP | $785,000 | $1,765,000 | 124.8% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,055,000 | $1,725,000 | 63.5% | 0.2% |
| PLANET HOME LENDING, LLC | $1,430,000 | $1,615,000 | 12.9% | 0.2% |
| FINANCE OF AMERICA REVERSE LLC | $820,000 | $1,575,000 | 92.1% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $735,000 | $1,550,000 | 110.9% | 0.2% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $730,000 | $1,470,000 | 101.4% | 0.1% |
| Equity Prime Mortgage LLC | $2,335,000 | $1,435,000 | -38.5% | 0.1% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $1,585,000 | $1,435,000 | -9.5% | 0.1% |
| TOWNE MORTGAGE COMPANY | $1,295,000 | $1,380,000 | 6.6% | 0.1% |
| AMWEST FUNDING CORP. | $1,560,000 | $1,350,000 | -13.5% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $750,000 | $1,350,000 | 80.0% | 0.1% |
| TRAVIS CREDIT UNION | $525,000 | $1,280,000 | 143.8% | 0.1% |
| Ameris Bank | $365,000 | $1,275,000 | 249.3% | 0.1% |
| BAY EQUITY LLC | $405,000 | $1,275,000 | 214.8% | 0.1% |
| Leader Bank | $1,250,000 | n/a | 0.1% | |
| Lakeview Community Capital, LLC | $580,000 | $1,235,000 | 112.9% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $2,320,000 | $1,220,000 | -47.4% | 0.1% |
| MORTGAGEONE, INC. | $1,215,000 | n/a | 0.1% | |
| First National Bank of America | $805,000 | $1,175,000 | 46.0% | 0.1% |
| Luxury Mortgage Corp. | $1,160,000 | n/a | 0.1% | |
| The Federal Savings Bank | $1,380,000 | $1,150,000 | -16.7% | 0.1% |
| Coastal Community Bank | $360,000 | $1,135,000 | 215.3% | 0.1% |
| NexBank | $1,120,000 | n/a | 0.1% | |
| NATIONS DIRECT MORTGAGE, LLC | $975,000 | $1,105,000 | 13.3% | 0.1% |
| ALLIANT CREDIT UNION | $820,000 | $1,070,000 | 30.5% | 0.1% |
| Farmers Bank & Trust | $1,070,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $1,065,000 | n/a | 0.1% | |
| STAR ONE CREDIT UNION | $540,000 | $1,055,000 | 95.4% | 0.1% |
| Northwest Farm Credit Services, FLCA | $1,655,000 | $1,005,000 | -39.3% | 0.1% |
| CARDINAL FINANCIAL | $1,195,000 | $995,000 | -16.7% | 0.1% |
| Self-Help Federal Credit Union | $530,000 | $985,000 | 85.8% | 0.1% |
| CALCON MUTUAL MORTGAGE LLC | $1,270,000 | $970,000 | -23.6% | 0.1% |
| NFM, INC. | $1,095,000 | $970,000 | -11.4% | 0.1% |
| 21ST MORTGAGE CORPORATION | $1,000,000 | $940,000 | -6.0% | 0.1% |
| SCENIC OAKS FUNDING, INC. | $700,000 | $935,000 | 33.6% | 0.1% |
| Cornerstone First Mortgage, Inc | $925,000 | n/a | 0.1% | |
| LENDSURE MORTGAGE CORP. | $295,000 | $910,000 | 208.5% | 0.1% |
| VERITAS FUNDING, LLC | $235,000 | $880,000 | 274.5% | 0.1% |
| Montecito Bank & Trust | $875,000 | n/a | 0.1% | |
| Discover Bank | $900,000 | $850,000 | -5.6% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $415,000 | $845,000 | 103.6% | 0.1% |
| USAA Federal Savings Bank | $1,640,000 | $840,000 | -48.8% | 0.1% |
| NMSI, INC. | $830,000 | $830,000 | 0.0% | 0.1% |
| PNC Bank | $1,805,000 | $825,000 | -54.3% | 0.1% |
| Franklin Loan Corporation | $430,000 | $820,000 | 90.7% | 0.1% |
| LANTZMAN MANAGEMENT, INC. | $445,000 | $820,000 | 84.3% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $565,000 | $790,000 | 39.8% | 0.1% |
| PACIFIC SERVICE | $1,060,000 | $780,000 | -26.4% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $615,000 | $765,000 | 24.4% | 0.1% |
| Hometown Equity Mortgage, LLC | $420,000 | $760,000 | 81.0% | 0.1% |
| Plains Commerce Bank | $155,000 | $725,000 | 367.7% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $185,000 | $720,000 | 289.2% | 0.1% |
| CASTLE & COOKE MORTGAGE, LLC | $345,000 | $710,000 | 105.8% | 0.1% |
| NEW DAY FINANCIAL, LLC | $335,000 | $700,000 | 109.0% | 0.1% |
| ENVOY MORTGAGE, LTD | $1,140,000 | $695,000 | -39.0% | 0.1% |
| NP, Inc. | $1,135,000 | $690,000 | -39.2% | 0.1% |
| OAKTREE FUNDING CORP. | $665,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $660,000 | n/a | 0.1% | |
| GUARANTEED RATE AFFINITY, LLC | $415,000 | $650,000 | 56.6% | 0.1% |
| SUMMIT FUNDING, INC. | $1,800,000 | $630,000 | -65.0% | 0.1% |
| Ixonia Bank | $625,000 | n/a | 0.1% | |
| LADERA LENDING, INC. | $625,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $680,000 | $620,000 | -8.8% | 0.1% |
| General Mortgage Capital Corporation | $1,095,000 | $620,000 | -43.4% | 0.1% |
| EASTMAN | $615,000 | n/a | 0.1% | |
| M&T Bank | $235,000 | $600,000 | 155.3% | 0.1% |
| PANORAMA MORTGAGE GROUP, LLC | $595,000 | n/a | 0.1% | |
| SCHOOLSFIRST | $380,000 | $590,000 | 55.3% | 0.1% |
| FBC MORTGAGE, LLC | $165,000 | $575,000 | 248.5% | 0.1% |
| Home Mortgage Alliance Corp | $570,000 | n/a | 0.1% | |
| Greenbox Loans, Inc. | $465,000 | $545,000 | 17.2% | 0.1% |
| KINECTA | $535,000 | n/a | 0.1% | |
| Logan Finance Corporation | $625,000 | $530,000 | -15.2% | 0.1% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $525,000 | n/a | 0.1% | |
| ORANGE COUNTY'S CREDIT UNION | $65,000 | $525,000 | 707.7% | 0.1% |
| FUNDLOANS CAPITAL | $505,000 | n/a | 0.1% | |
| GTE Federal Credit Union | $200,000 | $505,000 | 152.5% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $505,000 | n/a | 0.1% | |
| HomeTrust Bank | $190,000 | $505,000 | 165.8% | 0.1% |
| REDWOOD | $35,000 | $505,000 | 1,342.9% | 0.1% |
| San Joaquin Power Employees Credit Union | $505,000 | n/a | 0.1% | |
| First National Bank and Trust Company of Ardmore | $495,000 | n/a | 0.1% | |
| THE POLICE Credit Union | $495,000 | n/a | 0.1% | |
| NEW WAVE LENDING GROUP INC | $460,000 | $490,000 | 6.5% | 0.0% |
| Citibank | $485,000 | n/a | 0.0% | |
| EVERETT FINANCIAL, INC. | $355,000 | $475,000 | 33.8% | 0.0% |
| STANFORD Federal Credit Union | $355,000 | $475,000 | 33.8% | 0.0% |
| RANLIFE, INC. | $470,000 | n/a | 0.0% | |
| BECKAM FUNDING CORP. | $375,000 | $465,000 | 24.0% | 0.0% |
| Stifel Bank and Trust | $465,000 | n/a | 0.0% | |
| NETWORK CAPITAL FUNDING CORPORATION | $620,000 | $450,000 | -27.4% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $55,000 | $450,000 | 718.2% | 0.0% |
| Citadel Servicing Corporation | $2,305,000 | $445,000 | -80.7% | 0.0% |
| GOOGAIN, INC. | $445,000 | n/a | 0.0% | |
| MORTGAGE CAPITAL PARTNERS, INC. | $325,000 | $445,000 | 36.9% | 0.0% |
| NBKC BANK | $455,000 | $445,000 | -2.2% | 0.0% |
| Texana Bank | $435,000 | n/a | 0.0% | |
| Ally Bank | $670,000 | $425,000 | -36.6% | 0.0% |
| RESIDENTIAL BANCORP | $4,955,000 | $425,000 | -91.4% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $575,000 | $415,000 | -27.8% | 0.0% |
| Provident Credit Union | $55,000 | $405,000 | 636.4% | 0.0% |
| EMBRACE HOME LOANS, INC. | $750,000 | $395,000 | -47.3% | 0.0% |
| GENEVA FINANCIAL, LLC | $395,000 | n/a | 0.0% | |
| PremierOne Credit Union | $395,000 | n/a | 0.0% | |
| JMJ FINANCIAL GROUP | $385,000 | n/a | 0.0% | |
| First Western Trust Bank | $375,000 | n/a | 0.0% | |
| UNION HOME MORTGAGE CORP. | $495,000 | $365,000 | -26.3% | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | $360,000 | n/a | 0.0% | |
| ALLIED MORTGAGE GROUP, INC. | $355,000 | n/a | 0.0% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $355,000 | n/a | 0.0% | |
| BAY | $510,000 | $355,000 | -30.4% | 0.0% |
| CIS Financial Services, Inc. | $355,000 | n/a | 0.0% | |
| AMERITRUST MORTGAGE CORPORATION | $345,000 | n/a | 0.0% | |
| AUGUSTA FINANCIAL, INC. | $375,000 | $345,000 | -8.0% | 0.0% |
| ML Mortgage Corp. | $315,000 | $345,000 | 9.5% | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $840,000 | $345,000 | -58.9% | 0.0% |
| SCE FEDERAL CREDIT UNION | $340,000 | n/a | 0.0% | |
| Morgan Stanley Private Bank | $5,005,000 | $315,000 | -93.7% | 0.0% |
| The Huntington National Bank | $305,000 | n/a | 0.0% | |
| MID AMERICA MORTGAGE, INC. | $295,000 | n/a | 0.0% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $2,650,000 | $295,000 | -88.9% | 0.0% |
| AMERICAN FINANCING CORPORATION | $55,000 | $290,000 | 427.3% | 0.0% |
| Bank of England | $285,000 | n/a | 0.0% | |
| Prosperity Home Mortgage, LLC | $950,000 | $285,000 | -70.0% | 0.0% |
| PHH Mortgage Corporation | $225,000 | $270,000 | 20.0% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $265,000 | n/a | 0.0% | |
| PATELCO | $605,000 | $260,000 | -57.0% | 0.0% |
| BM Real Estate Services, Inc. | $255,000 | n/a | 0.0% | |
| Cathay Bank | $255,000 | n/a | 0.0% | |
| SANTA CLARA COUNTY | $35,000 | $255,000 | 628.6% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $910,000 | $250,000 | -72.5% | 0.0% |
| A&D Mortgage LLC | $695,000 | $245,000 | -64.7% | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $55,000 | $225,000 | 309.1% | 0.0% |
| LOGIX FEDERAL CREDIT UNION | $225,000 | n/a | 0.0% | |
| HighTechLending Inc | $215,000 | n/a | 0.0% | |
| AHL FUNDING | $325,000 | $205,000 | -36.9% | 0.0% |
| Firefighters First Federal Credit Union | $130,000 | $205,000 | 57.7% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $195,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $635,000 | $195,000 | -69.3% | 0.0% |
| UTAH FIRST | $125,000 | n/a | 0.0% | |
| Zions Bank | $5,280,000 | $125,000 | -97.6% | 0.0% |
| BETTER MORTGAGE CORPORATION | $115,000 | n/a | 0.0% | |
| AMERICAN INTERNET MORTGAGE, INC. | $105,000 | n/a | 0.0% | |
| F&A Federal Credit Union | $105,000 | n/a | 0.0% | |
| Financial Partners Credit Union | $65,000 | $105,000 | 61.5% | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | $105,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $90,000 | n/a | 0.0% | |
| 1ST UNITED SERVICES CREDIT UNION | $75,000 | n/a | 0.0% | |
| MERIWEST | $65,000 | $65,000 | 0.0% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $140,000 | $55,000 | -60.7% | 0.0% |
| USAlliance Federal Credit Union | $55,000 | n/a | 0.0% | |
| VAL-CHRIS INVESTMENTS, INC. | $890,000 | $55,000 | -93.8% | 0.0% |
| TECHNOLOGY | $15,000 | $45,000 | 200.0% | 0.0% |
MADERA's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 14.8% market share. In second place, with 11.1%, is Century Mortgage Company DBA Century Lending Company, having originated $109,550,000 in loans. In third place, with 9.4%, is EAGLE HOME MORTGAGE, LLC, having originated $93,305,000 in loans. In fourth place, with 4.5%, is QUICKEN LOANS, LLC, having originated $44,335,000 in loans. In fifth place, with 4.2%, is Sierra Pacific Mortgage Company, Inc., having originated $41,340,000 in loans.
MADERA Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - MADERA (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $318,875 (10.1%) | $420,665 (12.0%) | 0.00 | 430 |
| 2018-02-01 | $320,950 (8.1%) | $418,739 (6.9%) | 0.00 | 427 |
| 2018-03-01 | $320,000 (10.9%) | $423,243 (7.1%) | 0.00 | 444 |
| 2018-04-01 | $315,000 (5.0%) | $416,949 (4.2%) | 0.00 | 472 |
| 2018-05-01 | $317,625 (1.5%) | $421,289 (2.3%) | 0.00 | 486 |
| 2018-06-01 | $318,500 (3.0%) | $424,081 (2.5%) | 0.00 | 507 |
| 2018-07-01 | $313,750 (-0.4%) | $418,158 (-2.7%) | 0.00 | 536 |
| 2018-08-01 | $309,987 (-3.1%) | $412,153 (-1.6%) | 0.00 | 534 |
| 2018-09-01 | $310,000 (-4.6%) | $411,807 (0.9%) | 0.00 | 553 |
| 2018-10-01 | $313,700 (-2.0%) | $397,961 (-1.5%) | 0.00 | 565 |
| 2018-11-01 | $319,500 (-0.9%) | $397,909 (-3.3%) | 0.00 | 580 |
| 2018-12-01 | $325,000 (2.5%) | $401,683 (-3.7%) | 0.00 | 545 |
| 2019-01-01 | $328,725 (3.1%) | $400,249 (-4.9%) | 0.00 | 518 |
| 2019-02-01 | $325,000 (1.3%) | $404,962 (-3.3%) | 0.00 | 501 |
| 2019-03-01 | $328,253 (2.6%) | $432,513 (2.2%) | 0.00 | 497 |
| 2019-04-01 | $330,753 (5.0%) | $418,604 (0.4%) | 0.00 | 505 |
| 2019-05-01 | $334,850 (5.4%) | $428,973 (1.8%) | 0.00 | 500 |
| 2019-06-01 | $337,000 (5.8%) | $449,398 (6.0%) | 0.00 | 511 |
| 2019-07-01 | $337,000 (7.4%) | $429,196 (2.6%) | 0.00 | 525 |
| 2019-08-01 | $335,727 (8.3%) | $423,177 (2.7%) | 0.00 | 534 |
| 2019-09-01 | $335,318 (8.2%) | $422,114 (2.5%) | 0.00 | 541 |
| 2019-10-01 | $335,000 (6.8%) | $423,003 (6.3%) | 0.00 | 536 |
| 2019-11-01 | $335,000 (4.9%) | $429,293 (7.9%) | 0.00 | 498 |
| 2019-12-01 | $328,250 (1.0%) | $423,193 (5.4%) | 0.00 | 484 |
| 2020-01-01 | $339,000 (3.1%) | $421,679 (5.4%) | 0.00 | 429 |
| 2020-02-01 | $339,475 (4.5%) | $427,322 (5.5%) | 0.00 | 417 |
| 2020-03-01 | $347,000 (5.7%) | $437,382 (1.1%) | 0.00 | 445 |
| 2020-04-01 | $344,500 (4.2%) | $426,196 (1.8%) | 0.00 | 447 |
| 2020-05-01 | $349,500 (4.4%) | $440,717 (2.7%) | 0.00 | 425 |
| 2020-06-01 | $354,900 (5.3%) | $457,063 (1.7%) | 0.00 | 361 |
| 2020-07-01 | $366,950 (8.9%) | $479,436 (11.7%) | 0.00 | 316 |
| 2020-08-01 | $389,450 (16.0%) | $499,025 (17.9%) | 0.00 | 271 |
| 2020-09-01 | $394,500 (17.7%) | $519,589 (23.1%) | 0.00 | 270 |
| 2020-10-01 | $389,000 (16.1%) | $531,369 (25.6%) | 0.00 | 248 |
| 2020-11-01 | $397,450 (18.6%) | $559,247 (30.3%) | 0.00 | 251 |
| 2020-12-01 | $398,200 (21.3%) | $566,183 (33.8%) | 0.00 | 217 |
| 2021-01-01 | $399,950 (18.0%) | $595,819 (41.3%) | 0.00 | 190 |
| 2021-02-01 | $422,000 (24.3%) | $631,820 (47.9%) | 0.00 | 158 |
| 2021-03-01 | $441,375 (27.2%) | $637,882 (45.8%) | 0.00 | 163 |
| 2021-04-01 | $436,200 (26.6%) | $614,454 (44.2%) | 0.00 | 169 |
| 2021-05-01 | $455,000 (30.2%) | $618,085 (40.3%) | 0.00 | 180 |
| 2021-06-01 | $444,250 (25.2%) | $608,396 (33.1%) | 0.00 | 193 |
| 2021-07-01 | $428,000 (16.6%) | $577,254 (20.4%) | 0.00 | 231 |
| 2021-08-01 | $439,370 (12.8%) | $576,758 (15.6%) | 0.00 | 251 |
| 2021-09-01 | $441,950 (12.0%) | $573,378 (10.4%) | 0.00 | 281 |
| 2021-10-01 | $459,000 (18.0%) | $614,898 (15.7%) | 0.00 | 266 |
| 2021-11-01 | $471,978 (18.8%) | $623,215 (11.4%) | 0.00 | 260 |
| 2021-12-01 | $470,000 (18.0%) | $654,131 (15.5%) | 0.00 | 231 |
| 2022-01-01 | $490,000 (22.5%) | $668,145 (12.1%) | 0.00 | 194 |
| 2022-02-01 | $467,500 (10.8%) | $655,066 (3.7%) | 0.00 | 191 |
| 2022-03-01 | $487,000 (10.3%) | $705,189 (10.6%) | 0.00 | 192 |
| 2022-04-01 | $495,000 (13.5%) | $726,862 (18.3%) | 0.00 | 206 |
| 2022-05-01 | $508,675 (11.8%) | $696,324 (12.7%) | 0.00 | 243 |
| 2022-06-01 | $499,500 (12.4%) | $652,583 (7.3%) | 0.00 | 283 |
| 2022-07-01 | $494,494 (15.5%) | $645,228 (11.8%) | 0.00 | 352 |
| 2022-08-01 | $477,450 (8.7%) | $612,210 (6.2%) | 0.00 | 366 |
| 2022-09-01 | $491,000 (11.1%) | $614,272 (7.1%) | 0.00 | 373 |
| 2022-10-01 | $475,000 (3.5%) | $595,593 (-3.1%) | 0.00 | 422 |
| 2022-11-01 | $469,000 (-0.6%) | $588,361 (-5.6%) | 0.00 | 407 |
| 2022-12-01 | $469,700 (-0.1%) | $589,643 (-9.9%) | 0.00 | 367 |
| 2023-01-01 | $469,000 (-4.3%) | $587,792 (-12.0%) | 0.00 | 327 |
| 2023-02-01 | $472,250 (1.0%) | $603,692 (-7.8%) | 0.00 | 314 |
| 2023-03-01 | $465,875 (-4.3%) | $588,436 (-16.6%) | 0.00 | 297 |
| 2023-04-01 | $484,360 (-2.2%) | $627,432 (-13.7%) | 0.00 | 294 |
| 2023-05-01 | $485,504 (-4.6%) | $628,017 (-9.8%) | 0.00 | 324 |
| 2023-06-01 | $489,140 (-2.1%) | $638,430 (-2.2%) | 0.00 | 315 |
| 2023-07-01 | $501,053 (1.3%) | $669,525 (3.8%) | 0.00 | 300 |
| 2023-08-01 | $518,100 (8.5%) | $684,599 (11.8%) | 0.00 | 361 |
| 2023-09-01 | $499,000 (1.6%) | $628,536 (2.3%) | 0.00 | 387 |
| 2023-10-01 | $495,450 (4.3%) | $626,982 (5.3%) | 0.00 | 431 |
| 2023-11-01 | $482,437 (2.9%) | $604,343 (2.7%) | 0.00 | 492 |
| 2023-12-01 | $496,000 (5.6%) | $612,790 (3.9%) | 0.00 | 464 |
| 2024-01-01 | $491,174 (4.7%) | $624,939 (6.3%) | 0.00 | 408 |
| 2024-02-01 | $501,245 (6.1%) | $650,564 (7.8%) | 0.00 | 380 |
| 2024-03-01 | $499,990 (7.3%) | $640,033 (8.8%) | 0.00 | 343 |
| 2024-04-01 | $520,997 (7.6%) | $664,262 (5.9%) | 0.00 | 378 |
| 2024-05-01 | $521,945 (7.5%) | $674,271 (7.4%) | 0.00 | 397 |
| 2024-06-01 | $524,950 (7.3%) | $674,441 (5.6%) | 0.00 | 420 |
| 2024-07-01 | $519,002 (3.6%) | $639,236 (-4.5%) | 0.00 | 482 |
| 2024-08-01 | $514,900 (-0.6%) | $645,037 (-5.8%) | 0.00 | 493 |
| 2024-09-01 | $514,900 (3.2%) | $649,268 (3.3%) | 0.00 | 493 |
| 2024-10-01 | $505,000 (1.9%) | $630,857 (0.6%) | 0.00 | 489 |
| 2024-11-01 | $500,000 (3.6%) | $622,977 (3.1%) | 0.00 | 483 |
| 2024-12-01 | $500,499 (0.9%) | $618,215 (0.9%) | 0.00 | 455 |
MADERA's median listing price for 2024-12-01 was $500,499, a difference of
$4,499
(0.9%) versus the prior year and
$499 versus the prior month.
MADERA's median listing price comes in at 0% of the national average.
MADERA's average listing price for 2024-12-01 was $618,215, a difference of $5,425 (0.9%) versus the prior year and $-4,762 versus the prior month.
For the 2024-12-01 period, MADERA had 455 MLS listings, a difference of -28 listings (-6%) versus the prior month and -9 listings (-2%) versus the prior year.
MADERA's median listing price comes in at 0% of the national average.
MADERA's average listing price for 2024-12-01 was $618,215, a difference of $5,425 (0.9%) versus the prior year and $-4,762 versus the prior month.
For the 2024-12-01 period, MADERA had 455 MLS listings, a difference of -28 listings (-6%) versus the prior month and -9 listings (-2%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - MADERA (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,990 sqft |
| 2018-02-01 | 0 days | 1,930 sqft |
| 2018-03-01 | 0 days | 2,000 sqft |
| 2018-04-01 | 0 days | 1,961 sqft |
| 2018-05-01 | 0 days | 1,979 sqft |
| 2018-06-01 | 0 days | 1,951 sqft |
| 2018-07-01 | 0 days | 1,925 sqft |
| 2018-08-01 | 0 days | 1,947 sqft |
| 2018-09-01 | 0 days | 1,929 sqft |
| 2018-10-01 | 0 days | 1,908 sqft |
| 2018-11-01 | 0 days | 1,919 sqft |
| 2018-12-01 | 0 days | 1,920 sqft |
| 2019-01-01 | 0 days | 1,944 sqft |
| 2019-02-01 | 0 days | 1,950 sqft |
| 2019-03-01 | 0 days | 1,925 sqft |
| 2019-04-01 | 0 days | 1,925 sqft |
| 2019-05-01 | 0 days | 1,952 sqft |
| 2019-06-01 | 0 days | 1,975 sqft |
| 2019-07-01 | 0 days | 1,952 sqft |
| 2019-08-01 | 0 days | 1,953 sqft |
| 2019-09-01 | 0 days | 1,953 sqft |
| 2019-10-01 | 0 days | 1,952 sqft |
| 2019-11-01 | 0 days | 1,952 sqft |
| 2019-12-01 | 0 days | 1,900 sqft |
| 2020-01-01 | 0 days | 1,917 sqft |
| 2020-02-01 | 0 days | 1,952 sqft |
| 2020-03-01 | 0 days | 1,956 sqft |
| 2020-04-01 | 0 days | 1,960 sqft |
| 2020-05-01 | 0 days | 1,990 sqft |
| 2020-06-01 | 0 days | 2,040 sqft |
| 2020-07-01 | 0 days | 2,021 sqft |
| 2020-08-01 | 0 days | 2,100 sqft |
| 2020-09-01 | 0 days | 2,112 sqft |
| 2020-10-01 | 0 days | 2,024 sqft |
| 2020-11-01 | 0 days | 2,065 sqft |
| 2020-12-01 | 0 days | 2,016 sqft |
| 2021-01-01 | 0 days | 2,079 sqft |
| 2021-02-01 | 0 days | 2,073 sqft |
| 2021-03-01 | 0 days | 2,144 sqft |
| 2021-04-01 | 0 days | 2,022 sqft |
| 2021-05-01 | 0 days | 2,040 sqft |
| 2021-06-01 | 0 days | 1,940 sqft |
| 2021-07-01 | 0 days | 1,909 sqft |
| 2021-08-01 | 0 days | 1,941 sqft |
| 2021-09-01 | 0 days | 2,011 sqft |
| 2021-10-01 | 0 days | 2,034 sqft |
| 2021-11-01 | 0 days | 2,067 sqft |
| 2021-12-01 | 0 days | 2,045 sqft |
| 2022-01-01 | 0 days | 2,098 sqft |
| 2022-02-01 | 0 days | 2,075 sqft |
| 2022-03-01 | 0 days | 1,996 sqft |
| 2022-04-01 | 0 days | 2,026 sqft |
| 2022-05-01 | 0 days | 2,011 sqft |
| 2022-06-01 | 0 days | 2,024 sqft |
| 2022-07-01 | 0 days | 1,997 sqft |
| 2022-08-01 | 0 days | 1,940 sqft |
| 2022-09-01 | 0 days | 1,986 sqft |
| 2022-10-01 | 0 days | 1,955 sqft |
| 2022-11-01 | 0 days | 1,959 sqft |
| 2022-12-01 | 0 days | 1,937 sqft |
| 2023-01-01 | 0 days | 1,904 sqft |
| 2023-02-01 | 0 days | 1,981 sqft |
| 2023-03-01 | 0 days | 1,958 sqft |
| 2023-04-01 | 0 days | 2,023 sqft |
| 2023-05-01 | 0 days | 1,970 sqft |
| 2023-06-01 | 0 days | 1,974 sqft |
| 2023-07-01 | 0 days | 2,020 sqft |
| 2023-08-01 | 0 days | 2,064 sqft |
| 2023-09-01 | 0 days | 2,071 sqft |
| 2023-10-01 | 0 days | 2,041 sqft |
| 2023-11-01 | 0 days | 2,008 sqft |
| 2023-12-01 | 0 days | 2,009 sqft |
| 2024-01-01 | 0 days | 1,998 sqft |
| 2024-02-01 | 0 days | 2,037 sqft |
| 2024-03-01 | 0 days | 2,067 sqft |
| 2024-04-01 | 0 days | 2,055 sqft |
| 2024-05-01 | 0 days | 2,034 sqft |
| 2024-06-01 | 0 days | 2,040 sqft |
| 2024-07-01 | 0 days | 2,003 sqft |
| 2024-08-01 | 0 days | 2,004 sqft |
| 2024-09-01 | 0 days | 2,009 sqft |
| 2024-10-01 | 0 days | 1,992 sqft |
| 2024-11-01 | 0 days | 2,000 sqft |
| 2024-12-01 | 0 days | 1,955 sqft |
MADERA's median listing age (time on market) for 2024-12-01 was 0 days.
MADERA's median square footage for active listings during the 2024-12-01 period was 1,955 sqft. One year prior, the average listing was 2,009 sqft.
MADERA's median square footage for active listings during the 2024-12-01 period was 1,955 sqft. One year prior, the average listing was 2,009 sqft.
MADERA, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,075 | $782,385,000 | $377,053 |
| Cash Out Refi | 367 | $87,025,000 | $237,125 |
| Other | 240 | $22,800,000 | $95,000 |
| Refi | 219 | $77,645,000 | $354,543 |
| Home Improvement | 172 | $16,620,000 | $96,628 |
| NA | 3 | $1,765,000 | $588,333 |
Madera's most frequently cited loan purpose was Home Purchase, with 2,075 originations. The 2nd most popular reason was Cash Out Refi, with 367 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,154 | $421,810,000 | $365,520 |
| 5-6% | 774 | $301,700,000 | $389,793 |
| Over 8% | 503 | $78,835,000 | $156,730 |
| 7-8% | 433 | $133,405,000 | $308,095 |
| 4-5% | 117 | $45,635,000 | $390,043 |
| <2.5% | 79 | $1,375,000 | $17,405 |
| 2.5-3% | 5 | $1,235,000 | $247,000 |
| 3-4% | 4 | $1,140,000 | $285,000 |
During 2024, Madera's most frequently originated rate bucket was 6-7%, with 1,154 originations.
Loan Sizing (MADERA, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,280 | $410,180,000 | $320,453 |
| $400k-600k | 899 | $420,045,000 | $467,236 |
| $100,000 or less | 445 | $22,905,000 | $51,472 |
| $100k-200k | 334 | $47,460,000 | $142,096 |
| $600k-1000k | 110 | $76,520,000 | $695,636 |
| $Over $1MM | 8 | $11,130,000 | $1,391,250 |
MADERA's loan sizing saw the bucket of loans from $200k-400k with 1,280 originations, totaling $410,180,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,432 | $599,320,000 | $418,520 |
| 60-80% | 627 | $231,685,000 | $369,514 |
| Under 20% | 439 | $24,505,000 | $55,820 |
| 20-40% | 252 | $36,040,000 | $143,016 |
| 40-60% | 234 | $58,420,000 | $249,658 |
| Over 100% | 41 | $18,785,000 | $458,171 |
MADERA's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,432 originations, totaling $599,320,000 in origination value.