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2024 data HMDA 2024 disclosure official source

Madera County

6,458 mortgage applications, 18.3% denial rate. Verify FIPS 06039 with U.S. Census Bureau →

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California · FIPS 06039

Local mortgage market. Madera County, California saw 6,458 HMDA-reported mortgage applications in 2024. Lenders originated 3,114 of those loans and denied 1,181, producing a denial rate of 18.3% and an approval (origination) rate of 48.2%. The average loan amount was $300,167 at an average note rate of 6.83%, with applicants self-reporting average annual income of $40K. 239 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 7.5x, meaning typical borrowers took on mortgages of about 7.5 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 06039 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

6,458
Applications
3,114
Originated
18.3%
Denial Rate
48.2%
Approval Rate
$300,167
Avg Loan Amount
6.83%
Avg Interest Rate
$40K
Avg Applicant Income
7.5x
Loan-to-Income Ratio

Nearby Lenders in Madera County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 United Wholesale Mortgage 390 12.5%
2 Kind Lending, LLC 312 10.0%
3 Lennar Mortgage, LLC 227 7.3%
4 Rocket Mortgage 169 5.4%
5 Sierra Pacific Mortgage Co. Inc 122 3.9%
Compare United Wholesale Mortgage vs Kind Lending, LLC →

Frequently Asked Questions

How many mortgage applications were filed in Madera County?
In the 2024 HMDA reporting year, 6,458 mortgage applications were filed in Madera County, California. Of these, 3,114 were originated (approved and funded), while 1,181 were denied, resulting in a denial rate of 18.3%.
What is the mortgage denial rate in Madera County?
The mortgage denial rate in Madera County is 18.3%. The approval (origination) rate is 48.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Madera County?
The average mortgage loan amount in Madera County is $300,167. The average interest rate is 6.827%. The average applicant income is $40K.
What is the loan-to-income ratio in Madera County?
The average loan-to-income ratio in Madera County is 7.5x, meaning borrowers took on loans averaging 7.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Madera County?
The top mortgage lenders in Madera County by origination volume are United Wholesale Mortgage, Kind Lending, LLC, Lennar Mortgage, LLC. In total, 239 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.