MADERA Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Madera averaged 3.27% for the week of 2021-11-24, compared to the national average of 3.1% for the same period.

The average rate for the prior week (2021-11-18) was 3.57% and one month ago for the week of 2021-10-21, the average rate was 3.26%.

Madera's average rate one year ago was 3.19%.

For refis of the same type during the week of 2021-11-24, the average rate was 3.09%.

Loan Type Date Rate
US 30 Year Fixed Rate 2021-11-24 3.1%
Madera 30 Year Fixed Rate 2021-11-24 3.27%
Madera 30 Year Fixed Rate Refi 2021-11-24 3.09%
Madera 15 Year Fixed Rate 2021-11-24 2.65%
Madera 15 Year Fixed Rate Refi 2021-11-24 2.47%
Madera 30 Year FHA 2021-11-24 3.57%
Madera 30 Year FHA Refi 2021-11-24 3.45%
Madera 30 Year USDA 2021-11-24 3.5%
Madera 30 Year USDA Refi 2021-11-24 3.23%
Madera 30 Year VA 2021-11-24 3.2%
Madera 30 Year VA Refi 2021-11-24 2.95%
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 lendor, 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.).

Name # of Loans 2020 Avg. 30yFix Rate 2020 Avg. Total Fees
QUICKEN LOANS, LLC 311 3.29% $5,500
UNITED WHOLESALE MORTGAGE, LLC 288 3.10% $5,092
Sierra Pacific Mortgage Company, Inc. 235 3.33% $4,361
Wells Fargo Bank, National Association 118 3.46% $3,492
HOME POINT FINANCIAL CORPORATION 111 3.36% $4,708
Golden Empire Mortgage, Inc. 104 3.28% $5,437
ALAMEDA MORTGAGE CORPORATION 101 3.35% $4,198
AMERICAN PACIFIC MORTGAGE CORPORATION 99 3.33% $5,337
EAGLE HOME MORTGAGE, LLC 83 3.13% $5,776
LOANDEPOT.COM, LLC 78 3.16% $5,027
FINANCE OF AMERICA MORTGAGE LLC 63 3.23% $4,776
HOMEBRIDGE FINANCIAL SERVICES, INC. 50 3.28% $5,306
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 47 3.33% $4,676
NATIONSTAR MORTGAGE LLC 45 3.36% $5,962
PLAZA HOME MORTGAGE, INC. 42 3.24% $6,009
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 40 3.43% $4,948
Flagstar Bank, FSB 38 3.38% $4,843
MLD MORTGAGE INC. 37 3.19% $4,898
THE GOLDEN 1 35 3.65% $3,716
COUNTRY CLUB MORTGAGE, INC. 32 3.15% $4,232
CALIBER HOME LOANS, INC. 32 3.26% $4,281
BAY EQUITY LLC 31 3.39% $6,248
AMERISAVE MORTGAGE CORPORATION 30 2.93% $5,473
AMERICAN FINANCIAL NETWORK, INC. 29 3.16% $6,152
BROKER SOLUTIONS, INC. 28 3.22% $4,628
Bank of America, National Association 28 3.24% $4,748
PARKSIDE LENDING, LLC 27 3.43% $5,308
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 27 3.42% $5,653
PENNYMAC LOAN SERVICES, LLC 27 3.25% $5,351
NEWREZ LLC 25 3.54% $3,515
GUILD MORTGAGE COMPANY 21 3.34% $6,227
DHI MORTGAGE COMPANY, LTD. 21 3.09% $5,180
PRIMARY RESIDENTIAL MORTGAGE, INC. 19 3.27% $7,207
CROSSCOUNTRY MORTGAGE, LLC 19 3.13% $4,774
MUFG Union Bank, National Association 19 3.55% $3,430
BETTER MORTGAGE CORPORATION 19 3.08% $3,338
MID-VALLEY SERVICES, INC. 17 3.80% $4,186
U.S. Bank National Association 17 3.17% $3,605
JPMorgan Chase Bank, National Association 17 3.66% $5,094
ENVOY MORTGAGE, LTD 16 3.34% $5,073
SCENIC OAKS FUNDING, INC. 16 3.09% $4,513
CMG MORTGAGE, INC. 16 3.47% $5,831
Educational Employees Credit Union 16 3.61% $1,960
LOANPAL, LLC 15 3.36% $4,327
KELLER MORTGAGE, LLC 14 2.96% $2,594
STEARNS LENDING, LLC 14 3.54% $4,688
SUMMIT FUNDING, INC. 13 3.31% $3,539
AMERICAN FINANCING CORPORATION 13 3.44% $3,814
FREEDOM MORTGAGE CORPORATION 11 3.40% $2,118
MOUNTAIN WEST FINANCIAL, INC. 11 3.45% $6,008
Platinum Home Mortgage Corporation 11 3.59% $6,264
Nations Lending Corporation 11 3.50% $4,634
MUTUAL OF OMAHA MORTGAGE, INC. 11 3.33% $3,892
GUARANTEED RATE, INC. 10 3.07% $5,837
Amerifirst Financial, Inc. 10 3.26% $4,355
PRIMELENDING, A PLAINSCAPITAL COMPANY 10 3.32% $4,472
OCMBC, INC. 10 3.15% $5,520
Watermark Capital, Inc. 10 2.75% $3,033
KINGS MORTGAGE SERVICES, INC. 9 3.01% $5,591
LAND HOME FINANCIAL SERVICES, INC. 9 3.18% $4,778
SUN WEST MORTGAGE COMPANY, INC. 8 3.16% $1,106
Ameris Bank 8 3.61% $4,639
NMSI, INC. 7 4.54% $7,714
NETWORK CAPITAL FUNDING CORPORATION 7 3.20% $3,631
PACIFIC SERVICE 7 2.96% $3,295
Carrington Mortgage Services, LLC 7 4.23% $8,417
Tri Counties Bank 7 3.50% $3,001
IMPAC MORTGAGE CORP. 7 3.69% $604
Strong Home Mortgage, LLC 6 3.33% $1,971
T2 FINANCIAL LLC 6 3.50% $4,845
Fremont Bank 6 3.23% $3,657
CITYWIDE HOME LOANS, LLC 6 3.42% $5,204
PATELCO 6 3.44% $2,878
Paramount Residential Mortgage Group, Inc. 6 3.52% $6,306
ARC HOME LLC 5 3.84% $7,768
GOOGAIN, INC. 5 3.10% $2,752
Hometown Equity Mortgage, LLC 5 3.48% $4,115
ROUNDPOINT MORTGAGE SERVICING CORPORATION 5 3.53% $1,260
VISION ONE MORTGAGE, INC. 5 3.18% $6,337
Prosperity Home Mortgage, LLC 5 3.03% $3,814
HOMESIDE FINANCIAL, LLC 5 2.85% $4,174
OAKTREE FUNDING CORP. 5 5.00% $8,508
ARK-LA-TEX FINANCIAL SERVICES, LLC. 5 3.27% $4,889
LENOX FINANCIAL MORTGAGE CORPORATION 5 2.88% $2,920
ACADEMY MORTGAGE CORPORATION 4 3.19% $8,553
Arvest Bank 4 3.53% $2,855
BBVA USA 4 3.53% $7,571
CHERRY CREEK MORTGAGE, LLC 4 3.59% $456
Commerce Home Mortgage, Inc. 4 2.91% $4,895
First Guaranty Mortgage Corporation 4 3.03% $3,812
GUARANTEED RATE AFFINITY, LLC 4 3.44% $4,609
JMAC LENDING, INC. 4 3.40% $4,248
LENDUS, LLC 4 3.40% $3,901
MICHIGAN MUTUAL, INC. 4 3.09% $3,971
NAVY FEDERAL CREDIT UNION 4 3.78% $7,343
RESIDENTIAL BANCORP. 4 3.16% $6,518
S1L, Inc. 4 3.09% $4,358
TRI-EMERALD FINANCIAL GROUP, INC. 4 2.91% $3,312
WINNPOINTE CORPORATION 4 3.09% $2,037
ON Q FINANCIAL, INC. 3 3.13% $5,001
LAKEVIEW LOAN SERVICING, LLC 3 3.75% $5,481
LADERA LENDING, INC. 3 3.21% $7,521
AHL FUNDING 3 4.38% $7,093
WESTCOAST MORTGAGE GROUP AND REALTY COMPANY 3 3.08% $2,883
PHH Mortgage Corporation 3 3.38% $3,637
Bank of the West 3 3.71% $2,519
ANGEL OAK MORTGAGE SOLUTIONS LLC 3 5.83% $10,608
USAA Federal Savings Bank 3 3.71% $4,859
CENTRAL COAST LENDING, INC. 3 2.88% $3,059
NBKC BANK 3 3.04% $2,774
PROVIDENT FUNDING ASSOCIATES, L.P. 3 3.71% $3,728
EVERETT FINANCIAL, INC. 3 3.00% $1,476
MOVEMENT MORTGAGE, LLC 3 3.35% $6,776
PLANET HOME LENDING, LLC 3 3.08% $3,570
Northwest Farm Credit Services, FLCA 3 3.38% $22,430
BECKAM FUNDING CORP. 3 4.75% $12,354
TRAVIS CREDIT UNION 3 3.17% $2,942
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 3 3.45% $5,681
FirstBank 3 3.54% $1,685
ROYAL UNITED MORTGAGE LLC 3 3.00% $8,551
Prime Choice Funding Inc. 2 2.88% $4,196
First Savings Bank 2 2.94% $3,395
CELEBRITY HOME LOANS, LLC 2 3.38% $3,559
EXCITE Credit Union 2 2.88% $4,638
REDWOOD 2 3.69% $2,703
ZILLOW HOME LOANS, LLC 2 3.38% $3,457
InterContinental Capital Group, Inc 2 3.25% $5,659
ISERVE RESIDENTIAL LENDING, LLC 2 3.06% $4,648
CALCULATED RISK ANALYTICS LLC 2 5.96% $13,996
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 2 3.31% $7,789
Northpointe Bank 2 3.38% $2,541
Equity Prime Mortgage LLC 2 3.06% $7,896
SECURITYNATIONAL MORTGAGE COMPANY 2 3.44% $3,659
First National Bank of America 2 6.88% $7,222
ONY GLO, INC. 2 3.69% $3,296
MASON MCDUFFIE MORTGAGE CORPORATION 2 3.25% $6,316
STAR ONE CREDIT UNION 2 3.38% $2,958
BAY-VALLEY MORTGAGE GROUP 2 3.19% $4,438
GENEVA FINANCIAL, LLC 2 3.31% $3,678
Colonial Savings, F.A. 2 4.38% $4,205
MEGA CAPITAL FUNDING, INC. 2 3.19% $3,365
Bank of England 2 3.38% $10,071
The Union Bank Company 2 3.31% $3,859
TOP FLITE FINANCIAL, INC. 2 3.25% $7,829
TOWNE MORTGAGE COMPANY 2 3.44% $5,798
COASTAL FUNDING SLC, INC. 2 3.25% $3,790
MEGASTAR FINANCIAL CORP. 2 3.56% $5,574
PLUS RELOCATION MORTGAGE, LLC 2 3.38% $2,466
PNC Bank, National Association 2 3.19% $4,860
PREMIER MORTGAGE RESOURCES, L.L.C. 2 3.31% $11,919
SWBC MORTGAGE CORPORATION 1 3.13% $4,304
TIAA, FSB 1 3.13% $4,182
Axos Bank 1 3.38% $1,669
XCEED FINANCIAL 1 2.88% $2,312
Truist Bank 1 4.10% $4,701
UBS Bank USA 1 4.13% $3,199
Umpqua Bank 1 3.50% $2,981
UNCLE Credit Union 1 3.50% $3,251
UNIFY FINANCIAL Credit Union 1 2.85% $971
UNITED 1 4.13% $3,184
AmeriHome Mortgage Company, LLC 1 4.75% $3,086
VALLEY STRONG CREDIT UNION 1 3.25% $8,859
V.I.P. MORTGAGE, INC. 1 2.63% $2,668
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 3.63% $2,554
HOME APPROVALS DIRECT, INC. 1 3.37% $4,513
GUARANTY HOME MORTGAGE CORPORATION 1 3.88% $3,814
INTELLILOAN, INC. 1 3.75% $2,390
AMERICAN INTERNET MORTGAGE, INC. 1 3.25% $3,739
Greenbox Loans, Inc. 1 6.99% $7,337
GoPrime Mortgage, Inc. 1 3.50% $13,384
Kwik Mortgage Corporation 1 3.38% $1,722
Lakeview Community Capital, LLC 1 3.99% $3,958
General Mortgage Capital Corporation 1 3.50% $3,319
Franklin Loan Corporation 1 3.00% $3,692
LOANLEADERS OF AMERICA, INC. 1 3.00% $3,120
Los Angeles Federal Credit Union 1 3.63% $2,534
Magnolia Bank 1 4.13% $9,139
Mechanics Bank 1 3.50% $3,630
First Internet Bank of Indiana 1 2.88% $3,404
FIRST CHOICE LOAN SERVICES INC. 1 3.88% $1,461
ML Mortgage Corp. 1 2.63% $3,134
Morgan Stanley Private Bank, National Association 1 4.60% $3,004
Mortgage Research Center, LLC 1 2.75% $6,170
FIRST CENTENNIAL MORTGAGE CORPORATION 1 2.38% $4,742
Firefighters First Federal Credit Union 1 3.75% $2,711
NATIONS DIRECT MORTGAGE, LLC 1 2.75% $5,482
Financial Partners Credit Union 1 2.75% $1,948
F&A Federal Credit Union 1 3.13% $1,449
WESTERN EXPRESS LENDING 1 2.75% $3,691
North American Savings Bank, F.S.B. 1 3.63% $1,662
EMM LOANS LLC 1 3.13% $7,526
ORANGE COUNTY'S CREDIT UNION 1 3.88% $2,633
Discover Bank 1 6.99% $0
PANORAMA MORTGAGE GROUP, LLC 1 3.99% $3,614
DIGITAL Federal Credit Union 1 3.00% $7,695
Deere Employees Credit Union 1 3.63% $3,163
COMMUNITY MORTGAGE FUNDING, LLC 1 4.00% $4,768
PENTAGON FEDERAL CREDIT UNION 1 3.50% $2,138
Citibank, National Association 1 2.88% $4,345
CIBC Bank USA 1 2.88% $5,044
CHURCHILL MORTGAGE CORPORATION 1 3.38% $3,871
Provident Credit Union 1 3.00% $4,332
RANLIFE, INC. 1 3.50% $3,961
RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 2.75% $4,012
Wyndham Capital Mortgage, Inc. 1 3.50% $1,332
SAFE CREDIT UNION 1 2.88% $3,770
San Mateo Credit Union 1 3.50% $0
CALCON MUTUAL MORTGAGE LLC 1 2.75% $2,894
SCHOOLSFIRST 1 2.75% $3,320
Servion, Inc. 1 3.13% $3,019
BEST CAPITAL FUNDING 1 2.63% $4,409
SNAPFI, INC. 1 2.88% $3,951
SOFI LENDING CORP. 1 3.63% $3,476
SOVEREIGN LENDING GROUP INCORPORATED 1 3.00% $3,068
SRE MORTGAGE ALLIANCE INC. 1 2.88% $14,023
S&S Financial 1 3.00% $2,360
Stifel Bank and Trust 1 2.50% $4,458
Barrington Bank & Trust Company, N.A. 1 2.99% $4,408
Sunflower Bank, National Association 1 2.88% $6,311
Banner Bank 1 2.88% $3,788

MADERA, CA's 220 lenders originated 6,242 loans during 2020. The total origination value was $1,615,190,000, with an average loan value of $258,762.

The top MADERA lender as defined by loan originations is QUICKEN LOANS, LLC, with 311 loans originated. Their average total fees are $5,500, which is $408 higher than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee MADERA lenders (with over 10 loans originated) are Educational Employees Credit Union ($1,960), FREEDOM MORTGAGE CORPORATION ($2,118), KELLER MORTGAGE, LLC ($2,594), Watermark Capital, Inc. ($3,033) and BETTER MORTGAGE CORPORATION ($3,338).

The lowest rate MADERA lenders (with over 10 loans originated) are Watermark Capital, Inc. (2.75%), AMERISAVE MORTGAGE CORPORATION (2.93%), KELLER MORTGAGE, LLC (2.96%), GUARANTEED RATE, INC. (3.07%) and BETTER MORTGAGE CORPORATION (3.08%).

MADERA, CA Lender 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 2019 Loan Value 2020 Loan Value % Change 2020 Market Share
Quicken Loans $74,895,000 $152,295,000 103.3% 9.4%
United Shore Financial Services LLC $59,755,000 $121,580,000 103.5% 7.5%
Sierra Pacific Mortgage $42,115,000 $93,540,000 122.1% 5.8%
Golden Empire Mortgage, Inc. $44,165,000 $58,585,000 32.7% 3.6%
Freedom Mortgage Corporation $19,380,000 $54,455,000 181.0% 3.4%
WELLS FARGO BANK NA $39,575,000 $51,540,000 30.2% 3.2%
American Pacific Mortgage Corporation $20,485,000 $50,290,000 145.5% 3.1%
Home Point Financial Corporation $26,825,000 $49,840,000 85.8% 3.1%
Alameda Mortgage Corporation $23,610,000 $41,820,000 77.1% 2.6%
Eagle Home Mortgage, LLC $12,835,000 $39,370,000 206.7% 2.4%
loanDepot LLC $19,650,000 $36,790,000 87.2% 2.3%
Nationstar Mortgage $13,255,000 $30,200,000 127.8% 1.9%
Finance of America Mortgage LLC $20,330,000 $27,730,000 36.4% 1.7%
HomeBridge Financial Services, Inc. $13,035,000 $24,270,000 86.2% 1.5%
Plaza Home Mortgage Inc. $16,375,000 $23,460,000 43.3% 1.5%
FAIRWAY INDEPENDENT MORT CORP $12,380,000 $22,170,000 79.1% 1.4%
PENNYMAC LOAN SERVICES LLC $8,980,000 $19,180,000 113.6% 1.2%
MLD Mortgage Inc. $6,245,000 $19,125,000 206.2% 1.2%
Cardinal Financial Company LP $6,375,000 $18,720,000 193.6% 1.2%
Caliber Home Loans Inc $9,995,000 $18,055,000 80.6% 1.1%
ZB, N.A. $1,195,000 $17,130,000 1,333.5% 1.1%
CMG Mortgage Inc. $17,210,000 $16,965,000 -1.4% 1.1%
American Financial Network Inc. $9,075,000 $16,675,000 83.7% 1.0%
Flagstar Bank $11,600,000 $15,960,000 37.6% 1.0%
Bay Equity LLC $5,280,000 $15,115,000 186.3% 0.9%
K. Hovnanian American Mortgage LLC $4,525,000 $14,570,000 222.0% 0.9%
Country Club Mortgage, Inc. $7,575,000 $13,385,000 76.7% 0.8%
The Golden 1 Credit Union $11,115,000 $12,945,000 16.5% 0.8%
New American Funding (dba for Broker Solutions Inc) $6,650,000 $12,330,000 85.4% 0.8%
NEWREZ LLC $3,005,000 $11,990,000 299.0% 0.7%
Bank of America NA $12,940,000 $11,715,000 -9.5% 0.7%
DHI Mortgage Company Limited $27,500,000 $11,340,000 -58.8% 0.7%
Guild Mortgage Company $4,835,000 $10,875,000 124.9% 0.7%
Amerisave Mortgage Corporation $3,335,000 $10,675,000 220.1% 0.7%
Lakeview Loan Servicing, LLC $2,730,000 $10,100,000 270.0% 0.6%
Primary Residential Mortgage Inc. $3,370,000 $9,285,000 175.5% 0.6%
Mortgage Research Center LLC $6,645,000 $9,160,000 37.8% 0.6%
MUFG Union Bank, NA $8,005,000 $8,885,000 11.0% 0.6%
JPMorgan Chase Bank, NA $11,315,000 $8,855,000 -21.7% 0.5%
Parkside Lending LLC $5,485,000 $8,750,000 59.5% 0.5%
Sun West Mortgage Company Inc. $2,825,000 $8,690,000 207.6% 0.5%
Better Mortgage Corporation $630,000 $8,235,000 1,207.1% 0.5%
Educational Employees Credit Union $8,825,000 $8,150,000 -7.6% 0.5%
LoanPal $10,630,000 $7,975,000 -25.0% 0.5%
US BANK, N.A. $2,495,000 $7,265,000 191.2% 0.4%
Amerifirst Financial Inc. $1,890,000 $7,075,000 274.3% 0.4%
AmWest Funding Corp. $1,820,000 $6,890,000 278.6% 0.4%
Guaranteed Rate Inc. $925,000 $6,760,000 630.8% 0.4%
CARRINGTON MORTGAGE SERVICES $6,385,000 $6,610,000 3.5% 0.4%
Mid Valley Services Inc $2,505,000 $6,425,000 156.5% 0.4%
Stearns Lending $11,385,000 $6,360,000 -44.1% 0.4%
Mountain West Financial Inc. $2,130,000 $5,835,000 173.9% 0.4%
Summit Funding Inc. $3,200,000 $5,795,000 81.1% 0.4%
Envoy Mortgage Ltd. $1,340,000 $5,455,000 307.1% 0.3%
Scenic Oaks Funding $5,165,000 $5,440,000 5.3% 0.3%
Keller Mortgage LLC $1,000,000 $5,350,000 435.0% 0.3%
PRIMELENDING $885,000 $5,185,000 485.9% 0.3%
Banner Bank $1,385,000 $5,130,000 270.4% 0.3%
The Federal Savings Bank $1,250,000 $5,070,000 305.6% 0.3%
CBRE Multifamily Capital, Inc. $4,885,000 n/a 0.3%
USAA FEDERAL SAVINGS BANK $7,080,000 $4,765,000 -32.7% 0.3%
Northwest Farm Credit Services, FLCA $1,300,000 $4,605,000 254.2% 0.3%
Land Home Financial Services Inc. $1,605,000 $4,595,000 186.3% 0.3%
American Financing Corporation $635,000 $4,580,000 621.3% 0.3%
Kings Mortgage Services Inc. $2,450,000 $4,165,000 70.0% 0.3%
CITIZENS BUSINESS BANK $155,000 $4,005,000 2,483.9% 0.2%
Arbor Realty Trust Inc $3,965,000 n/a 0.2%
Clearpath Lending $2,705,000 $3,945,000 45.8% 0.2%
OCMBC Inc. $760,000 $3,905,000 413.8% 0.2%
Planet Home Lending LLC $1,175,000 $3,790,000 222.6% 0.2%
Lakeview Community Capital, LLC $755,000 $3,750,000 396.7% 0.2%
Platinum Home Mortgage Corporation $1,545,000 $3,710,000 140.1% 0.2%
Berkadia Commercial Mortgage $3,625,000 n/a 0.2%
Nations Lending Corporation $7,735,000 $3,515,000 -54.6% 0.2%
Village Capital & Investment $1,375,000 $3,470,000 152.4% 0.2%
COMPASS BANK $1,315,000 $3,305,000 151.3% 0.2%
Ark-La-Tex Financial Services LLC $3,400,000 $3,290,000 -3.2% 0.2%
Barrington Bank & Trust $2,075,000 $3,240,000 56.1% 0.2%
Watermark Home Loans $1,315,000 $3,215,000 144.5% 0.2%
TRI COUNTIES BANK $2,455,000 $3,100,000 26.3% 0.2%
Pacific Service Credit Union $1,300,000 $3,030,000 133.1% 0.2%
Synergy One Lending $2,970,000 $3,025,000 1.9% 0.2%
On Q Financial Inc. $355,000 $3,020,000 750.7% 0.2%
NewDay Financial LLC dba NewDay USA $1,410,000 $3,010,000 113.5% 0.2%
Citywide Home Loans A Utah Corporation $3,820,000 $2,945,000 -22.9% 0.2%
NBKC Bank $2,080,000 $2,860,000 37.5% 0.2%
Paramount Residential Mortgage Group Inc. $2,835,000 $2,835,000 0.0% 0.2%
AMERIS BANK $2,825,000 n/a 0.2%
Commerce Home Mortgage Inc. $2,700,000 n/a 0.2%
Intercontinental Capital Group, Inc. $315,000 $2,685,000 752.4% 0.2%
Oaktree Funding Corporation $115,000 $2,640,000 2,195.7% 0.2%
Noble Federal Credit Union $2,360,000 $2,605,000 10.4% 0.2%
Impac Mortgage Corp. dba CashCall Mortgage $3,730,000 $2,595,000 -30.4% 0.2%
Fremont Bank $2,190,000 $2,455,000 12.1% 0.2%
T2 Financial LLC $1,945,000 $2,415,000 24.2% 0.1%
Residential Bancorp $1,425,000 $2,400,000 68.4% 0.1%
Homeside Financial LLC $385,000 $2,395,000 522.1% 0.1%
NAVY FEDERAL CREDIT UNION $6,750,000 $2,375,000 -64.8% 0.1%
Stifel Bank and Trust $1,370,000 $2,265,000 65.3% 0.1%
Citibank, N.A. $1,790,000 $2,195,000 22.6% 0.1%
Mason-McDuffie Mortgage Corporation $1,775,000 $2,115,000 19.2% 0.1%
Sovereign Lending Group, Inc $480,000 $2,090,000 335.4% 0.1%
WEI Mortgage LLC $1,520,000 $1,965,000 29.3% 0.1%
NMSI Inc $1,925,000 n/a 0.1%
BANK OF THE WEST $1,440,000 $1,875,000 30.2% 0.1%
Self-Help Credit Union $2,545,000 $1,870,000 -26.5% 0.1%
Academy Mortgage Corporation $650,000 $1,860,000 186.2% 0.1%
Low VA Rates $300,000 $1,855,000 518.3% 0.1%
Guaranteed Rate Affinity LLC $125,000 $1,845,000 1,376.0% 0.1%
Hometown Equity Mortgage LLC $1,835,000 n/a 0.1%
Patelco Credit Union $385,000 $1,820,000 372.7% 0.1%
Calculated Risk Analytics LLC dba Excelerate Capital $1,710,000 n/a 0.1%
North American Savings Bank $1,250,000 $1,705,000 36.4% 0.1%
Prosperity Home Mortgage LLC $1,690,000 n/a 0.1%
AKT American Capital Inc $1,680,000 n/a 0.1%
FBC Mortgage LLC $1,675,000 n/a 0.1%
AimLoan.com $1,020,000 $1,650,000 61.8% 0.1%
Evergreen Moneysource Mortgage Company $720,000 $1,650,000 129.2% 0.1%
Interactive Mortgage $2,310,000 $1,585,000 -31.4% 0.1%
Network Capital Funding Corporation $760,000 $1,575,000 107.2% 0.1%
Equity Prime Mortgage LLC $720,000 $1,510,000 109.7% 0.1%
Cherry Creek Mortgage Co. Inc. $1,580,000 $1,500,000 -5.1% 0.1%
Mid America Mortgage Inc. $1,590,000 $1,470,000 -7.5% 0.1%
Vision One Mortgage $480,000 $1,430,000 197.9% 0.1%
First Savings Bank $1,400,000 n/a 0.1%
Operating Engineers Federal Credit Union $780,000 $1,400,000 79.5% 0.1%
Angel Oak Mortgage Solutions $1,310,000 n/a 0.1%
Michigan Mutual, Inc. DBA MiMutual Mortgage $1,040,000 $1,295,000 24.5% 0.1%
ARVEST BANK $945,000 $1,275,000 34.9% 0.1%
First Guaranty Mortgage Corporation $350,000 $1,275,000 264.3% 0.1%
Mortgage Solutions of Colorado LLC $235,000 $1,275,000 442.6% 0.1%
Midwest Equity Mortgage LLC $1,230,000 n/a 0.1%
Lenox Financial Mortgage Corp. $840,000 $1,225,000 45.8% 0.1%
Googain Inc. $1,215,000 n/a 0.1%
Prime Choice Funding, Inc. $835,000 $1,210,000 44.9% 0.1%
Tri-Emerald Financial Group Inc. $1,190,000 n/a 0.1%
AAG $680,000 $1,165,000 71.3% 0.1%
Travis Credit Union $1,200,000 $1,165,000 -2.9% 0.1%
Val-Chris Investments Inc $1,160,000 n/a 0.1%
AmeriHomeMortgageCompany,LL $1,370,000 $1,140,000 -16.8% 0.1%
Churchill Mortgage Corporation $545,000 $1,140,000 109.2% 0.1%
Magnolia Bank Incorporated $1,930,000 $1,140,000 -40.9% 0.1%
SESLOC Federal Credit Union $215,000 $1,130,000 425.6% 0.1%
PNC BANK NA $2,410,000 $1,095,000 -54.6% 0.1%
LendUS LLC dba RPM Mortgage $155,000 $1,065,000 587.1% 0.1%
Supreme Lending/ Everett Financial Inc. $2,210,000 $1,060,000 -52.0% 0.1%
PHH MORTGAGE CORPORATION $325,000 $1,040,000 220.0% 0.1%
Bay Valley Mortgage Group DBA Pacific Bay Lending Group $1,720,000 $1,035,000 -39.8% 0.1%
Bank of England $155,000 $1,015,000 554.8% 0.1%
Mechanics Bank $2,070,000 $1,010,000 -51.2% 0.1%
Nations Direct Mortgage LLC $695,000 $1,000,000 43.9% 0.1%
Ladera Lending, Inc. $1,350,000 $995,000 -26.3% 0.1%
FirstBank $570,000 $975,000 71.1% 0.1%
JMAC Lending Incorporated $855,000 $975,000 14.0% 0.1%
Residential Wholesale Mortgage $225,000 $955,000 324.4% 0.1%
Beckham Funding Corp $925,000 n/a 0.1%
Star One Credit Union $675,000 $925,000 37.0% 0.1%
Royal United Mortgage LLC $545,000 $920,000 68.8% 0.1%
Performance Financial, Inc. $915,000 n/a 0.1%
Provident Funding Associates $2,480,000 $900,000 -63.7% 0.1%
MOVEMENT MORTGAGE, LLC $1,945,000 $880,000 -54.8% 0.1%
Towne Mortgage Company $840,000 n/a 0.1%
Coastal Funding SLC Inc. $830,000 n/a 0.1%
Open Mortgage LLC $135,000 $825,000 511.1% 0.1%
Premier Mortgage Resources LLC $540,000 $800,000 48.1% 0.0%
LendingHome Funding Corporation $1,345,000 $795,000 -40.9% 0.0%
Wyndham Capital Mortgage $350,000 $785,000 124.3% 0.0%
Branch Banking And Trust Co $315,000 $770,000 144.4% 0.0%
Bank of Hope $755,000 n/a 0.0%
Finance of America Reverse LLC $970,000 $755,000 -22.2% 0.0%
PLUS RELOCATION MORTGAGE, LLC $740,000 $740,000 0.0% 0.0%
Kern Schools Federal Credit Un $35,000 $730,000 1,985.7% 0.0%
Gold Star Mortgage Financial Group, Corporation $1,235,000 $685,000 -44.5% 0.0%
Redwood Credit Union $315,000 $685,000 117.5% 0.0%
Premia Mortgage, LLC $680,000 n/a 0.0%
Mortgage Lenders of America LLC $670,000 n/a 0.0%
Nexera Holding LLC $1,120,000 $660,000 -41.1% 0.0%
iServe Residential Lending LLC $175,000 $630,000 260.0% 0.0%
SAFE Credit Union $35,000 $620,000 1,671.4% 0.0%
Colonial Savings $725,000 $615,000 -15.2% 0.0%
United Fidelity Funding Corp. $610,000 n/a 0.0%
TIAA, FSB $500,000 $605,000 21.0% 0.0%
Reverse Mortgage Funding LLC $145,000 $595,000 310.3% 0.0%
The Union Bank Company $345,000 $590,000 71.0% 0.0%
Farmers Insurance Group Federal Credit Union $580,000 n/a 0.0%
Guaranty Trust Company $550,000 n/a 0.0%
Megastar Financial Corporation $935,000 $550,000 -41.2% 0.0%
Alliance Credit Union $410,000 $540,000 31.7% 0.0%
BNC NATIONAL BANK $540,000 n/a 0.0%
R M K FINANCIAL CORP $540,000 n/a 0.0%
Home First Mortgage Bankers $295,000 $490,000 66.1% 0.0%
Northpointe Bank $490,000 n/a 0.0%
OGI Mortgage Bankers $490,000 n/a 0.0%
Goldwater Bank National Association $480,000 n/a 0.0%
Huntington National Bank $465,000 n/a 0.0%
First Internet Bank $460,000 n/a 0.0%
Provident Credit Union $205,000 $460,000 124.4% 0.0%
TCF National Bank $785,000 $455,000 -42.0% 0.0%
Servion, Inc. $490,000 $450,000 -8.2% 0.0%
CIBC Bank USA $445,000 n/a 0.0%
Accelerate Mortgage $435,000 n/a 0.0%
Paramount Bank $420,000 n/a 0.0%
Prime Mortgage Lending Inc. $285,000 $415,000 45.6% 0.0%
Axos Bank $410,000 n/a 0.0%
Umpqua Bank $185,000 $410,000 121.6% 0.0%
US Mortgage of Florida $400,000 n/a 0.0%
SnapFi, Inc. $395,000 n/a 0.0%
Digital Federal Credit Union $385,000 n/a 0.0%
S&S Financial $385,000 n/a 0.0%
Embrace Home Loans, Inc. $105,000 $380,000 261.9% 0.0%
top flite financial, inc. $510,000 $380,000 -25.5% 0.0%
KS StateBank $445,000 $375,000 -15.7% 0.0%
SchoolsFirst Federal Credit Union $190,000 $375,000 97.4% 0.0%
SPRING EQ, LLC $250,000 $375,000 50.0% 0.0%
Dignified Home Loans, LLC $480,000 $370,000 -22.9% 0.0%
UBS Bank USA $650,000 $365,000 -43.8% 0.0%
Aerospace Federal Credit Union $355,000 n/a 0.0%
American Neighborhood Mortgage dba AnnieMac Home Mortgage $355,000 n/a 0.0%
Delta Community Credit Union $355,000 n/a 0.0%
Geneva Financial LLC $350,000 n/a 0.0%
Quorum Federal Credit Union $75,000 $345,000 360.0% 0.0%
United Mortgage Corp $345,000 n/a 0.0%
Essex Mortgage $645,000 $335,000 -48.1% 0.0%
HomeTrust Bank $335,000 n/a 0.0%
KBHS Home Loans, LLC $335,000 n/a 0.0%
Morgan Stanley Private Bank NA $350,000 $335,000 -4.3% 0.0%
Velocity Commercial Capital LLC $335,000 n/a 0.0%
FIRST NATIONAL BANK OF AMERICA $245,000 $330,000 34.7% 0.0%
Greenbox Loans Inc. $690,000 $330,000 -52.2% 0.0%
Credit Human Federal Credit Union $60,000 $325,000 441.7% 0.0%
HOMEXPRESS MORTGAGE CORP. $705,000 $315,000 -55.3% 0.0%
Meridian Bank $315,000 n/a 0.0%
Absolute Home Mortgage Corporation $305,000 n/a 0.0%
Bank 2 $325,000 $305,000 -6.2% 0.0%
Best Capital Funding $145,000 $305,000 110.3% 0.0%
First Centennial Mortgage Corp. $305,000 n/a 0.0%
Peoples Mortgage Company $305,000 n/a 0.0%
CAPITAL BANK, NA $295,000 n/a 0.0%
Lending 3 Inc $275,000 $295,000 7.3% 0.0%
SWBC Mortgage Corporation $295,000 n/a 0.0%
Lantzman Lending $290,000 n/a 0.0%
SecurityNational Mortgage Company $290,000 n/a 0.0%
F&A FEDERAL CREDIT UNION $80,000 $285,000 256.3% 0.0%
CITY BANK $275,000 n/a 0.0%
Deere Employees Credit Union $275,000 $275,000 0.0% 0.0%
Midwest Loan Services Inc $275,000 n/a 0.0%
Discover Bank $545,000 $270,000 -50.5% 0.0%
Firefighters First Credit Union $285,000 $265,000 -7.0% 0.0%
Kwik Mortgage Corp. $265,000 n/a 0.0%
Metro City Bank $265,000 n/a 0.0%
Civic Financial Services $185,000 $260,000 40.5% 0.0%
BANK OF STOCKTON $255,000 n/a 0.0%
International City Mortgage Inc. $255,000 n/a 0.0%
M&T Bank $255,000 n/a 0.0%
Orange County's Credit Union $255,000 n/a 0.0%
Sunflower Bank, N.A. $255,000 n/a 0.0%
United Federal Credit Union $255,000 n/a 0.0%
COMERICA BANK $250,000 n/a 0.0%
E Mortgage Management LLC $195,000 $245,000 25.6% 0.0%
HomePromise Corporation $415,000 $245,000 -41.0% 0.0%
Inspire Home Loans $245,000 n/a 0.0%
Los Angeles Federal Credit Union $235,000 $245,000 4.3% 0.0%
Nudge Funding LLC $245,000 n/a 0.0%
SoFi Lending Corp $325,000 $245,000 -24.6% 0.0%
UNCLE Credit Union $245,000 n/a 0.0%
V.I.P. Mortgage Inc. $245,000 n/a 0.0%
Community First National Bank $235,000 n/a 0.0%
CalCon Mutual Mortgage LLC $765,000 $230,000 -69.9% 0.0%
Alaska USA Federal Credit Union $225,000 n/a 0.0%
Congressional Bank $215,000 $225,000 4.7% 0.0%
American Financial Resources Inc. $765,000 $215,000 -71.9% 0.0%
First Choice Loan Services Inc. $1,200,000 $205,000 -82.9% 0.0%
General Mortgage Capital Corporation $215,000 $205,000 -4.7% 0.0%
MERCO Credit Union $275,000 $205,000 -25.5% 0.0%
1st Northern California Credit Union $195,000 n/a 0.0%
Bridgelock Capital dba Peak Finance Company $235,000 $195,000 -17.0% 0.0%
CommunityAmerica Credit Union $195,000 n/a 0.0%
Community Mortgage Funding LLC $195,000 n/a 0.0%
Credit Union of Southern California $195,000 n/a 0.0%
Meriwest Mortgage Co. LLC $135,000 $195,000 44.4% 0.0%
METROPOLITAN HOME MORTGAGE $1,235,000 $195,000 -84.2% 0.0%
Pentagon Federal Credit Union $125,000 $195,000 56.0% 0.0%
Meriwest Credit Union $35,000 $190,000 442.9% 0.0%
Vons Employees Federal Creedit Union $185,000 n/a 0.0%
Farmers and Merchants Bank $175,000 n/a 0.0%
Financial Partners Credit Union $175,000 n/a 0.0%
KeyPoint Credit Union $175,000 n/a 0.0%
Stanford Federal Credit Union $175,000 n/a 0.0%
Xceed Financial Credit Union $175,000 $175,000 0.0% 0.0%
Third Federal Savings and Loan $340,000 $170,000 -50.0% 0.0%
ML Mortgage $165,000 n/a 0.0%
Alterra Group LLC dba Alterra Home Loans $4,365,000 $155,000 -96.4% 0.0%
HomeStreet Bank $3,715,000 $155,000 -95.8% 0.0%
Longbridge Financial, LLC $155,000 n/a 0.0%
RANLife, Inc. $155,000 n/a 0.0%
Union Home Mortgage Company $220,000 $155,000 -29.5% 0.0%
Goldman Sachs Bank USA $135,000 n/a 0.0%
San Francisco Fire Credit Union $135,000 n/a 0.0%
San Mateo Credit Union $400,000 $135,000 -66.3% 0.0%
UNIFY Financial Credit Union $135,000 n/a 0.0%
Franklin Loan Center $95,000 $125,000 31.6% 0.0%
State Farm Bank $955,000 $110,000 -88.5% 0.0%
FAST FCU $105,000 n/a 0.0%
PREMIER VALLEY BANK $795,000 $100,000 -87.4% 0.0%
SALAL CREDIT UNION $95,000 n/a 0.0%
Connexus Credit Union $85,000 n/a 0.0%
Los Angeles Police Federal Credit Union $85,000 n/a 0.0%
Murphy Bank $200,000 $80,000 -60.0% 0.0%
Superior Choice Credit Union $75,000 n/a 0.0%
Triad Financial Services Inc $75,000 n/a 0.0%
21ST MORTGAGE $130,000 $65,000 -50.0% 0.0%

MADERA's top lender by overall market share is Quicken Loans, with 9.4% market share. In second place, with 7.5%, is United Shore Financial Services LLC, having originated $121,580,000 in loans. In third place, with 5.8%, is Sierra Pacific Mortgage, having originated $93,540,000 in loans. In third place, with 3.6%, is Golden Empire Mortgage, Inc., having originated $58,585,000 in loans. In third place, with 3.4%, is Freedom Mortgage Corporation, having originated $54,455,000 in loans.


MADERA, CA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 2,701 $686,235,000 $254,067
Home Purchase 2,252 $650,020,000 $288,641
Cash Out Refi 1,105 $253,295,000 $229,226
Home Improvement 109 $12,705,000 $116,560
Other 73 $12,645,000 $173,219
NA 2 $290,000 $145,000

Madera's most frequently cited loan purpose was Refi, with 2,701 originations. The 2nd most popular reason was Home Purchase, with 2,252 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 2,785 $754,295,000 $270,842
2.5-3% 2,269 $600,265,000 $264,550
<2.5% 657 $150,595,000 $229,216
4-5% 325 $79,075,000 $243,308
5-6% 57 $12,045,000 $211,316
6-7% 29 $3,205,000 $110,517
7-8% 22 $2,880,000 $130,909
Over 8% 21 $3,015,000 $143,571

During 2020, Madera's most frequently originated rate bucket was 3-4%, with 2,785 originations.

Loan Sizing (MADERA, CA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 3,811 $1,062,885,000 $278,899
$100k-200k 1,493 $239,685,000 $160,539
$400k-600k 496 $224,730,000 $453,085
$100,000 or less 404 $17,180,000 $42,525
$600k-1000k 22 $16,030,000 $728,636
$Over $1MM 16 $54,680,000 $3,417,500

MADERA's loan sizing saw the bucket of loans from $200k-400k with 3,811 originations, totaling $1,062,885,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 2,321 $688,855,000 $296,792
60-80% 2,204 $592,530,000 $268,843
40-60% 829 $186,945,000 $225,507
Under 20% 251 $6,025,000 $24,004
20-40% 240 $33,780,000 $140,750
Over 100% 68 $23,950,000 $352,206

MADERA's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,321 originations, totaling $688,855,000 in origination value.