Mortgage Lenders and Brokers in Merced, California
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Merced, California mortgage lenders include Merced School Employees Federal Credit UnionMerced School Employees Federal Credit Union1021 Olivewood Dr, Merced, CA 95348 1218A+5.0 ★Texas Ratio: 1.23%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA800 W Olive Ave, Merced, CA 95348A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA555 W 18th St, Merced, CA 95340A+5.0 ★Texas Ratio: 5.36%, PNC Bank N.A.PNC Bank N.A.3065 G St, Merced, CA 95340A+5.0 ★Texas Ratio: 4.24%, MERCO Credit UnionMERCO Credit Union1911 M ST, Merced, CA 95340 3706A+5.0 ★Texas Ratio: 5.33%, Farmers & Merchants Bank of CeFarmers & Merchants Bank of Ce2936 G St, Merced, CA 95340A+5.0 ★Texas Ratio: 0.87%, Bank of America NABank of America NA710 W Main St, Merced, CA 95340A+5.0 ★Texas Ratio: 4.14%, Citibank, NACitibank, NA1840 M St, Merced, CA 95340A+5.0 ★Texas Ratio: 2.82%, Mechanics BankMechanics Bank2000 M St, Merced, CA 95340A+5.0 ★Texas Ratio: 1.81%, and Travis Credit UnionTravis Credit Union1194 W Olive Ave, Merced, CA 95348A+5.0 ★Texas Ratio: 4.51%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Merced, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Merced are listed first, then lenders elsewhere in California, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Merced, California
Market share is the lender's share of all home loans closed in Merced, California. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
|---|---|---|---|---|---|---|
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1021 Olivewood Dr, Merced, CA 95348 1218 A+5.0 ★Texas Ratio: 1.23% |
Conventional | 44 | 3.6% | 93.8% | $144,090 | View |
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1 office in Merced 800 W Olive Ave, Merced, CA 95348 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA, HELOC | 12 +1 HELOCs |
1% | 80% | $307,500 | View |
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1 office in Merced 555 W 18th St, Merced, CA 95340 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 10 | 0.8% | 55.6% | $214,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Merced 3065 G St, Merced, CA 95340 A+5.0 ★Texas Ratio: 4.24% |
Conventional, FHA, HELOC | 6 +4 HELOCs |
0.5% | 100% | $330,000 | View |
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1911 M ST, Merced, CA 95340 3706 A+5.0 ★Texas Ratio: 5.33% |
Conventional | 5 | 0.4% | 100% | $121,000 | View |
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1 office in Merced 2936 G St, Merced, CA 95340 A+5.0 ★Texas Ratio: 0.87% |
Conventional | 4 | 0.3% | 71.4% | $270,000 | View |
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1 office in Merced 710 W Main St, Merced, CA 95340 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 3 +8 HELOCs |
0.2% | 75% | $315,000 | View |
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1 office in Merced 1840 M St, Merced, CA 95340 A+5.0 ★Texas Ratio: 2.82% |
Conventional, HELOC | 2 +2 HELOCs |
0.2% | 100% | $350,000 | View |
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1 office in Merced 2000 M St, Merced, CA 95340 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 1 | 0.1% | 50% | $295,000 | View |
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1194 W Olive Ave, Merced, CA 95348 A+5.0 ★Texas Ratio: 4.51% |
Conventional, HELOC | 14 +1 HELOCs |
1.1% | 93.3% | $165,714 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, HELOC | 6 +2 HELOCs |
0.5% | 60% | $330,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 5 +6 HELOCs |
0.4% | 83.3% | $187,000 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
FHA, VA | 4 | 0.3% | 100% | $450,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional, FHA | 4 | 0.3% | 66.7% | $180,000 | View |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional, HELOC | 3 +3 HELOCs |
0.2% | 100% | $301,666 | View |
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3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28% |
Conventional | 2 | 0.2% | 100% | $165,000 | View |
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300 E Magnolia Blvd, Burbank, CA 91502 A+5.0 ★Texas Ratio: 2.77% |
VA, Jumbo | 2 | 0.2% | 66.7% | $650,000 | View |
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840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
Conventional | 2 | 0.2% | 100% | $125,000 | View |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional | 2 | 0.2% | 66.7% | $535,000 | View |
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87 W Alexander Ave, Merced, CA 95348 3404 A5.0 ★Texas Ratio: 12.30% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 20% | $365,000 | View |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
FHA, HELOC | 1 +1 HELOCs |
0.1% | 100% | $425,000 | View |
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10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00% |
Conventional | 1 | 0.1% | 100% | $85,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
FHA | 1 | 0.1% | 50% | $495,000 | View |
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175 N Clovis Ave, Clovis, CA 93612 0304 A+5.0 ★Texas Ratio: 4.29% |
Conventional | 1 | 0.1% | 50% | $595,000 | View |
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48 Rancho Del Mar, Aptos, CA 95003 A+5.0 ★Texas Ratio: 1.88% |
Conventional | 1 | 0.1% | 100% | $305,000 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional | 1 | 0.1% | 100% | $25,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.1% | 100% | $205,000 | View |
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5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72% |
Conventional | 1 | 0.1% | 100% | $455,000 | View |
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3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84% |
Conventional | 1 | 0.1% | 100% | $175,000 | View |
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755 E Yosemite Ave Ste A, Merced, CA 95340 A+5.0 ★Texas Ratio: 0.58% |
HELOC | 0 +9 HELOCs |
0% | 0% | View | |
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19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Inspire Home Loans Inc.
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Conventional, FHA, VA | 62 | 5.1% | 88.8% | $392,096 | |
Kind Lending, LLC
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Conventional, FHA, VA | 46 | 3.8% | 85.2% | $274,347 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 21 | 1.7% | 84% | $192,619 | |
Plaza Home Mortgage, Inc
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Conventional, FHA, VA | 19 | 1.6% | 82.6% | $349,736 | |
American Pacific Mortgage Corporation
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Conventional, FHA, VA | 16 | 1.3% | 94.1% | $403,125 | |
Flexpoint, Inc.
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Conventional, FHA | 15 | 1.2% | 95.5% | $299,000 | |
Guild Mortgage Company
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Conventional, FHA, VA | 14 | 1.1% | 100% | $265,000 | |
loanDepot.com LLC
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Conventional, FHA, HELOC | 13 +1 HELOCs |
1.1% | 73.7% | $167,307 | |
New American Funding, LLC.
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Conventional, FHA, HELOC | 13 +1 HELOCs |
1.1% | 81.2% | $327,307 | |
Alameda Mortgage Corporation
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Conventional, FHA, VA | 11 | 0.9% | 100% | $307,727 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA | 11 | 0.9% | 92.9% | $347,727 | View |
Sierra Pacific Mortgage Co. Inc
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Conventional, FHA | 11 | 0.9% | 84.6% | $333,181 | |
Golden Empire Mortgage, Inc.
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Conventional, FHA | 10 | 0.8% | 90.9% | $229,000 | |
Nexera Holding LLC
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Conventional, Jumbo | 10 | 0.8% | 100% | $399,000 | |
Paramount Residential Mortgage
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Conventional, FHA, VA | 9 | 0.7% | 100% | $382,777 | |
MortgageOne, Inc
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Conventional, FHA | 6 | 0.5% | 100% | $316,666 | |
Carrington Mortgage Services LLC
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FHA | 5 | 0.4% | 50% | $327,000 | |
AmeriHome Mortgage Company, LLC
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Conventional, FHA, VA | 4 | 0.3% | 100% | $322,500 | |
Greenbox Loans
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Conventional | 3 | 0.2% | 100% | $208,333 | |
Land Home Financial Services,
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Conventional, FHA | 3 | 0.2% | 100% | $355,000 | |
Generations Home Loans, LLC
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Conventional, FHA | 3 | 0.2% | 100% | $331,666 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 3 | 0.2% | 100% | $205,000 | |
ML Mortgage Corp.
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Conventional, FHA | 2 | 0.2% | 100% | $345,000 | |
Residential Wholesale Mortgage
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Conventional | 2 | 0.2% | 100% | $370,000 | |
Augusta Financial, Inc.
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Conventional | 2 | 0.2% | 100% | $215,000 | |
Resicentral LLC
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Conventional, FHA | 2 | 0.2% | 100% | $430,000 | |
AdvantageFirst Lending Inc
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FHA | 2 | 0.2% | 33.3% | $270,000 | |
American Financial Network, Inc.
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Conventional | 2 | 0.2% | 100% | $255,000 | |
AmWest Funding Corp
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Conventional | 2 | 0.2% | 66.7% | $340,000 | |
Bay-Valley Mortgage Group
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Conventional | 2 | 0.2% | 100% | $345,000 | |
Ony Glo, Inc.
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Conventional | 2 | 0.2% | 50% | $400,000 | |
Franklin Loan Corporation
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Conventional | 2 | 0.2% | 100% | $395,000 | |
Geo-Corp, Inc.
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FHA | 2 | 0.2% | 100% | $360,000 | |
Citadel Servicing Corporation
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Conventional | 2 | 0.2% | 100% | $300,000 | |
Nmsi, Inc.
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FHA | 2 | 0.2% | 100% | $345,000 | |
Goodleap, LLC
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Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $275,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $225,000 | |
5Th Sreet Capital Inc.
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Conventional | 1 | 0.1% | 100% | $295,000 | |
Home Mortgage Alliance Corp (Hmac)
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Conventional, Jumbo | 1 | 0.1% | 100% | $955,000 | |
General Mortgage Capital Corporation
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Conventional | 1 | 0.1% | 100% | $295,000 | |
Redwood Residential Acquisition Corporation
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Conventional | 1 | 0.1% | 100% | $465,000 | |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.1% | 100% | $515,000 | |
Googain, Inc.
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Conventional | 1 | 0.1% | 100% | $255,000 | |
Royal Pacific Funding
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Conventional | 1 | 0.1% | 100% | $205,000 | |
First Stardand Financial dba Nexcap Home Loans
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Conventional | 1 | 0.1% | 100% | $235,000 | |
Ez Fundings Inc
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FHA | 1 | 0.1% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.1% | 100% | $265,000 | View |
Intelliloan, Inc.
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FHA | 1 | 0.1% | 100% | $465,000 | |
Provident Funding Associates
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Conventional | 1 | 0.1% | 50% | $405,000 | |
Cake Mortgage Corp.
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Conventional | 1 | 0.1% | 100% | $525,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.1% | 100% | $415,000 | |
Figure Lending LLC
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HELOC | 0 +14 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 200 +6 HELOCs |
16.4% | 88.4% | $368,300 | |
Leaderone Financial Corp.
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Conventional, FHA, VA | 127 | 10.4% | 96.2% | $301,929 | |
Rocket Mortgage
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Conventional, FHA, VA | 81 | 6.6% | 82.7% | $255,987 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA | 80 | 6.5% | 87.9% | $414,250 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 33 | 2.7% | 97.1% | $298,939 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 22 | 1.8% | 89.3% | $311,363 | |
Spring Eq, LLC
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Conventional, HELOC | 15 +6 HELOCs |
1.2% | 44.1% | $83,000 | |
The Loan Store, Inc
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Conventional, FHA, HELOC | 15 +1 HELOCs |
1.2% | 100% | $333,666 | |
Mortgage Research Center
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VA | 13 | 1.1% | 68.4% | $398,846 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 11 | 0.9% | 92.3% | $265,000 | |
Primary Residential Mortgage, INC.
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Conventional, FHA, VA | 8 | 0.7% | 88.9% | $292,500 | |
Newrez LLC
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Conventional, FHA, VA | 8 | 0.7% | 47.1% | $237,500 | |
Nationstar Mortgage
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Conventional, FHA | 7 | 0.6% | 63.6% | $187,857 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 6 | 0.5% | 40.7% | $238,333 | |
Triad Financial Services, Inc.
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Conventional | 6 | 0.5% | 88.2% | $100,000 | |
Union Home Mortgage Corp.
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FHA | 6 | 0.5% | 100% | $365,000 | |
Equity Prime Mortgage LLC
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FHA, VA | 5 | 0.4% | 71.4% | $395,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 4 +3 HELOCs |
0.3% | 57.1% | $270,000 | |
Amerisave Mortgage Company
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Conventional, VA | 4 | 0.3% | 22.2% | $195,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA | 4 | 0.3% | 83.3% | $332,500 | View |
Nqm Funding, LLC
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Conventional | 4 | 0.3% | 100% | $375,000 | |
Altitude Financial Corporation
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Conventional, FHA | 4 | 0.3% | 100% | $297,500 | |
Everett Financial, Inc.
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Conventional, FHA, HELOC | 3 +2 HELOCs |
0.2% | 100% | $268,333 | |
Premier Mortgage Resources, LLC
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Conventional, FHA | 3 | 0.2% | 100% | $151,666 | |
Loanunited.Com, LLC
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Conventional, FHA, VA | 3 | 0.2% | 100% | $391,666 | |
City 1st Mortgage Services, LC
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FHA | 3 | 0.2% | 75% | $388,333 | |
Ark-La-Tex Financial Services LLC
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Conventional | 3 | 0.2% | 100% | $258,333 | |
Tomo Mortgage LLC
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Conventional | 3 | 0.2% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 2 +1 HELOCs |
0.2% | 100% | $55,000 | View |
First Community Mortgage, Inc.
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Conventional, FHA | 2 | 0.2% | 100% | $260,000 | |
American Financial Resources LLC
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Conventional | 2 | 0.2% | 100% | $435,000 | |
Envoy Mortgage, Ltd
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Conventional, FHA | 2 | 0.2% | 100% | $385,000 | |
Ivy Mortgage, Inc.
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Conventional | 2 | 0.2% | 100% | $330,000 | |
Ameritrust Mortgage Corporation
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Conventional | 2 | 0.2% | 100% | $580,000 | |
Churchill Mortgage Corporation
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Conventional, FHA | 2 | 0.2% | 100% | $205,000 | |
Better Mortgage Corporation
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Conventional | 2 | 0.2% | 100% | $240,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 2 | 0.2% | 100% | $325,000 | |
Mutual of Omaha Mortgage
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Conventional | 2 | 0.2% | 50% | $235,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 2 | 0.2% | 66.7% | $235,000 | View |
Village Capital & Investment
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FHA, VA | 2 | 0.2% | 66.7% | $340,000 | |
Alliant Credit Union
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Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $265,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.1% | 100% | $485,000 | View |
Panorama Mortgage Group, LLC
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VA | 1 | 0.1% | 100% | $385,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 1 | 0.1% | 100% | $255,000 | |
Guidance Residential, LLC
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Conventional | 1 | 0.1% | 100% | $315,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.1% | 33.3% | $285,000 | |
Securitynational Mortgage Company
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FHA | 1 | 0.1% | 100% | $405,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.1% | 50% | $85,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
VA | 1 | 0.1% | 100% | $585,000 | View |
Vellum Mortgage, Inc.
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Conventional | 1 | 0.1% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.1% | 100% | $465,000 | View |
Rogue Credit Union
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Conventional | 1 | 0.1% | 100% | $45,000 | |
Self Help Federal Credit Union
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Conventional | 1 | 0.1% | 50% | $285,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.1% | 50% | $395,000 | View |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.1% | 50% | $375,000 | |
Thrivent Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $25,000 | |
Veritas Funding, LLC
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FHA | 1 | 0.1% | 100% | $285,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.1% | 100% | $615,000 | View |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 5.55% |
Conventional | 1 | 0.1% | 100% | $305,000 | View |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 1 | 0.1% | 100% | $405,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 0.1% | 100% | $405,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.1% | 100% | $365,000 | View |
First Technology Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $75,000 | |
Geneva Financial LLC
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FHA | 1 | 0.1% | 100% | $395,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.1% | 100% | $345,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.1% | 50% | $635,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Valon Mortgage
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Citizens Equity First Credit U
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Boeing Employees' Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
A+5.0 ★Texas Ratio: 2.93% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Merced Mortgage Rate Trends
Daily average mortgage rates for California compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Merced, California
Looking for mortgage lenders near me or mortgage brokers near me in Merced? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Merced in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Merced, CA
Use these to narrow the list above. Each category shows how many Merced, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Merced, CA
Independent mortgage companies closed 87.3 percent of home loans in Merced, California in 2025, banks 5.3 percent and credit unions 7.4 percent. Sun West Mortgage Company, Inc was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Merced School Employees Federal Credit Union the largest credit union. Among lenders headquartered in California, Merced School Employees Federal Credit Union led with 44 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in California. County documentary transfer tax of $1.10 per $1,000 (0.11 percent), with many cities adding their own transfer tax (for example San Francisco and Los Angeles at much higher rates); no mortgage recording tax.
More California Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Merced, CA
By home loans closed in 2025, Merced School Employees Federal Credit Union was the largest mortgage lender in Merced, California with 44 loans, about 3.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Merced, California, Leaderone Financial Corp. approved the highest share of completed applications in 2025 at 96.2 percent, against a 83.5 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
63 lenders closed FHA loans in Merced, California in 2025, led by United Wholesale Mortgage with 94. 29 lenders closed VA loans, led by United Wholesale Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 27 banks and 29 credit unions closed home loans in Merced, California in 2025, alongside 109 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Merced, California during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Merced, California for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Merced. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
