Mortgage lending in Alameda County, California
Lenders in Alameda County, California reported 38,051 mortgage applications for 2025, according to the CFPB.
38,051 mortgage applications and 21,958 loans originated in 2025; the denial rate was 20.3% of 29,207 applications decided. The median loan was about $655,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Oakland-Fremont, CA HUD Metro FMR Area.
- 38,051
- Applications
- 21,958
- Loans originated
- 20.3%
- Denial rate
- 5,930 denied of 29,207 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 38,051 | 21,958 |
| 2024 | 33,553 | 19,303 |
| 2023 | 28,988 | 16,472 |
| 2022 | 54,873 | 32,944 |
| 2021 | 140,847 | 96,357 |
| 2020 | 146,551 | 96,950 |
| 2019 | 83,269 | 53,004 |
| 2018 | 65,843 | 39,200 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 1,611 | 2,210 |
| United Wholesale Mortgage | 1,424 | 1,981 |
| Bank of America NA | 1,345 | 2,457 |
| US Bank, N.A. | 1,050 | 1,738 |
| Wells Fargo Bank NA | 921 | 1,451 |
| JPMorgan Chase Bank, NA | 910 | 1,399 |
| Citibank, NA | 782 | 1,355 |
| Crosscountry Mortgage, LLC | 713 | 972 |
| Fremont Bank | 705 | 1,164 |
| Patelco Credit Union | 432 | 997 |
| CMG Mortgage Inc | 412 | 529 |
| The Golden 1 Credit Union | 363 | 636 |
| Pennymac Loan Services LLC | 339 | 544 |
| BMO Harris Bank NA | 334 | 870 |
| Star One Credit Union | 270 | 448 |
| loanDepot.com LLC | 253 | 436 |
| PNC Bank N.A. | 247 | 416 |
| Guaranteed Rate, Inc. | 232 | 518 |
| 1st UNITED CREDIT UNION | 221 | 398 |
| New American Funding, LLC. | 206 | 385 |
| AmWest Funding Corp | 200 | 294 |
| General Mortgage Capital Corporation | 185 | 243 |
| Provident Credit Union | 179 | 213 |
| The Loan Store, Inc | 174 | 271 |
| HSBC Bank USA, NA | 170 | 238 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 201 | 35.9% of 156 decided |
| Asian | 15,585 | 18.2% of 11,858 decided |
| Black or African American | 1,793 | 33.6% of 1,296 decided |
| Native Hawaiian or Other Pacific Islander | 198 | 36.5% of 156 decided |
| White | 9,422 | 19.6% of 7,588 decided |
| 2 or more minority races | withheld | |
| Joint | 1,307 | 11.9% of 1,036 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 9,366 | 22.5% of 6,988 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 3,322 | 27.4% of 2,552 decided |
| Not Hispanic or Latino | 25,150 | 18.9% of 19,465 decided |
| Joint | 1,030 | 15.1% of 835 decided |
| Ethnicity Not Available | 8,520 | 22.4% of 6,342 decided |
| Free Form Text Only | 29 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 12,189 | 23.2% of 9,241 decided |
| Female | 6,719 | 25.1% of 5,194 decided |
| Joint | 14,693 | 15.1% of 11,586 decided |
| Sex Not Available | 4,450 | 23.2% of 3,186 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 10 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved