Applications / Mortgage Analytics / Lenders / California / Mid Valley Services
Fresno, CA · Independent non-bank lender · CFPB · 41 loans in 2025
Mid Valley Services's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
41
loans originated, 2025
41
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mid Valley Services, a Fresno lender reporting since 2006, made 41 loans in 2025, all in California and nearly all conventional loans for purchases and refinances.
Its loans fell 45%, from 74 to 41, while the typical similar lender (an independent non-bank lender making between half and twice as many loans) grew 2%. Only about one in ten of those lenders fell further. Its count peaked at 394 in 2020. It may have chosen to lend less, or lost borrowers to larger rivals; the figures do not say which.
It lends in 10 metros and 14 counties, all in one state. Fresno, CA, is its largest market; it ranks 104 of 409 there, and its share fell from 0.4% to 0.1% as its lending shrank. United Wholesale Mortgage leads that market.
Its typical loan was $255,000, close to the $250,000 at similar lenders. Conventional loans made up 97.6% of the total. Purchases accounted for 56.1% and refinances 39.0%. With 41 loans, a few borrowers either way move any share, so its lending to poorer borrowers and neighborhoods is too small to read much into.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mid Valley Services took 41 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.1% · Refinance 39.0% · Other 4.9%
Conventional 97.6% · FHA 2.4% · of 41 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 41 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fresno | 25 |
| Sacramento-Roseville-Folsom | 4 |
| Bakersfield-Delano | 2 |
| San Luis Obispo-Paso Robles | 2 |
| Visalia | 2 |
| Hanford-Corcoran | 1 |
| Los Angeles-Long Beach-Glendale | 1 |
| Riverside-San Bernardino-Ontario | 1 |
| San Diego-Chula Vista-Carlsbad | 1 |
| San Francisco-San Mateo-Redwood City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930072YJBZ4YV3DY74 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3894723 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7770329262 |
Established 2 December 1992. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Mid Valley Services's data.
Mid Valley Services's data
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Mid Valley Services and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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