Mortgage lenders in Alameda County
21,941 mortgages were made in Alameda County, California, in 2025, by 567 lenders. The median rate their borrowers got was 6.490% on a median loan of $655,000. Of 29,186 decisions, 5,926 were denials — 20.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 1,611 | 6.625% | $585,000 | 19.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,424 | 6.499% | $645,000 | 15.5% |
| Bank of America, National Association | 1,345 | 5.875% | $885,000 | 28.7% |
| U.S. Bank National Association | 1,050 | 6.125% | $955,000 | 24.7% |
| Wells Fargo Bank, National Association | 921 | 5.625% | $1,135,000 | 9.4% |
| JPMorgan Chase Bank, National Association | 910 | 6.005% | $915,000 | 10.1% |
| Citibank, National Association | 782 | 5.625% | $1,080,000 | 10.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 713 | 6.650% | $785,000 | 2.4% |
| Fremont Bank | 705 | 8.250% | $255,000 | 30.2% |
| Patelco Credit Union | 432 | 8.000% | $255,000 | 18.8% |
| CMG MORTGAGE, INC. | 412 | 6.625% | $755,000 | 3.5% |
| THE GOLDEN 1 | 363 | 6.000% | $905,000 | 27.6% |
| PENNYMAC LOAN SERVICES, LLC | 339 | 6.500% | $795,000 | 14.3% |
| BMO Bank National Association | 334 | 6.750% | $675,000 | 44.4% |
| STAR ONE Credit Union | 270 | 6.000% | $755,000 | 25.2% |
| Loandepot.Com, LLC | 253 | 6.750% | $475,000 | 25.2% |
| PNC Bank, National Association | 247 | 6.250% | $595,000 | 21.6% |
| GUARANTEED RATE, INC. | 232 | 6.500% | $710,000 | 7.3% |
| 1ST UNITED SERVICES CREDIT UNION | 221 | 5.500% | $155,000 | 34.2% |
| Broker Solutions, Inc. | 206 | 6.750% | $545,000 | 11.8% |
| AMWEST FUNDING CORP. | 200 | 6.875% | $555,000 | 5.2% |
| General Mortgage Capital Corporation | 185 | 6.500% | $635,000 | 1.6% |
| Provident Credit Union | 179 | 6.125% | $445,000 | 0.6% |
| THE LOAN STORE, INC. | 174 | 6.750% | $505,000 | 14.2% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 170 | 5.883% | $895,000 | 3.9% |
| GOOGAIN, INC. | 153 | 6.500% | $655,000 | 0.7% |
| Sunward Federal Credit Union | 151 | 5.750% | $825,000 | 3.2% |
| NEW WAVE LENDING GROUP INC | 143 | 7.000% | $635,000 | 0.0% |
| Vellum Mortgage, Inc. | 140 | 6.500% | $745,000 | 2.1% |
| CONVENTUS LLC | 140 | 9.990% | $860,000 | 0.0% |
| SPRING EQ, LLC | 139 | 8.225% | $155,000 | 67.0% |
| East West Bank | 139 | 6.500% | $495,000 | 23.0% |
| Kiavi Funding, Inc. | 139 | 9.750% | $825,000 | 8.3% |
| FIGURE LENDING LLC | 138 | 8.750% | $105,000 | 25.8% |
| Charles Schwab Bank, SSB | 124 | 5.563% | $1,185,000 | 4.6% |
| TECHNOLOGY CREDIT UNION | 123 | 7.500% | $345,000 | 17.6% |
| NEWREZ LLC | 118 | 6.750% | $515,000 | 46.4% |
| EVERETT FINANCIAL, INC. | 116 | 6.625% | $435,000 | 8.7% |
| Third Federal Savings and Loan Association of Cleveland | 115 | 6.990% | $255,000 | 31.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 113 | 6.625% | $685,000 | 18.1% |
| City National Bank | 110 | 5.420% | $1,185,000 | 11.6% |
| ALLIANT CREDIT UNION | 109 | 7.750% | $255,000 | 33.3% |
| GUARANTEED RATE AFFINITY, LLC | 102 | 6.525% | $780,000 | 3.8% |
| NATIONSTAR MORTGAGE LLC | 99 | 8.000% | $215,000 | 27.3% |
| UNCLE Credit Union | 96 | 6.490% | $205,000 | 17.2% |
| LENNAR MORTGAGE, LLC | 93 | 5.875% | $825,000 | 3.1% |
| NMSI, INC. | 93 | 6.625% | $665,000 | 0.0% |
| STANFORD Federal Credit Union | 92 | 7.500% | $405,000 | 7.8% |
| AMERITRUST MORTGAGE CORPORATION | 88 | 6.990% | $670,000 | 4.4% |
| OriginPoint, LLC | 87 | 6.575% | $985,000 | 4.4% |
| Coastal Community Bank | 85 | 8.990% | $105,000 | 1.8% |
| Commerce Home Mortgage, Inc. | 83 | 7.000% | $685,000 | 9.7% |
| NexBank | 82 | 6.375% | $910,000 | 19.6% |
| Morgan Stanley Private Bank, National Association | 82 | 5.775% | $875,000 | 3.5% |
| KIND LENDING, LLC | 77 | 6.875% | $635,000 | 39.1% |
| FINANCE OF AMERICA REVERSE LLC | 76 | 8.990% | $560,000 | 8.4% |
| BETTER MORTGAGE CORPORATION | 75 | 6.875% | $405,000 | 43.5% |
| OCMBC, INC. | 74 | 6.999% | $530,000 | 13.3% |
| Zions Bancorporation, N.A. | 74 | 6.250% | $595,000 | 24.6% |
| CHEVRON Federal Credit Union | 74 | 6.750% | $415,000 | 10.8% |
| Fairway Independent Mortgage Corporation | 71 | 6.625% | $565,000 | 5.3% |
| Navy Federal Credit Union | 70 | 7.925% | $205,000 | 40.2% |
| PENTAGON FEDERAL CREDIT UNION | 66 | 7.750% | $305,000 | 41.1% |
| Mechanics Bank | 66 | 6.125% | $905,000 | 15.4% |
| RESICENTRAL, LLC | 65 | 6.625% | $625,000 | 5.4% |
| A&D Mortgage LLC | 65 | 6.125% | $585,000 | 5.8% |
| SUN WEST MORTGAGE COMPANY, INC. | 64 | 5.638% | $625,000 | 6.9% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 64 | 6.250% | $635,000 | 11.8% |
| Paramount Residential Mortgage Group, Inc. | 62 | 6.125% | $530,000 | 8.7% |
| NuVision Federal Credit Union | 60 | 4.990% | $155,000 | 28.6% |
| PACIFIC SERVICE CREDIT UNION | 59 | 7.500% | $155,000 | 16.1% |
| KEYPOINT Credit Union | 59 | 6.490% | $255,000 | 19.2% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 58 | 7.063% | $425,000 | 16.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 57 | 7.375% | $175,000 | 26.8% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 55 | 5.995% | $705,000 | 7.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 55 | 6.375% | $565,000 | 8.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 54 | 9.820% | $170,000 | 8.5% |
| GUILD MORTGAGE COMPANY | 51 | 6.625% | $495,000 | 4.8% |
| NEXERA HOLDING LLC | 50 | 7.250% | $475,000 | 13.8% |
| Comerica Bank | 49 | 5.990% | $335,000 | 48.1% |
| Citadel Servicing Corporation | 49 | 7.250% | $415,000 | 4.1% |
| TRAVIS CREDIT UNION | 46 | 5.875% | $730,000 | 2.1% |
| CHAMPIONS FUNDING, LLC | 45 | 7.999% | $625,000 | 27.4% |
| Flagstar Bank, N.A. | 45 | 6.344% | $675,000 | 35.6% |
| QUORUM FEDERAL CREDIT UNION | 44 | 8.125% | $240,000 | 29.0% |
| Mortgage Research Center, LLC | 41 | 5.875% | $755,000 | 26.3% |
| MLD MORTGAGE INC. | 41 | 6.125% | $525,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 39 | 6.250% | $635,000 | 20.3% |
| MERIWEST | 39 | 6.390% | $335,000 | 26.4% |
| SAN FRANCISCO FEDERAL CREDIT UNION | 39 | 5.750% | $825,000 | 0.0% |
| AmeriSave Mortgage Corporation | 38 | 9.000% | $90,000 | 79.7% |
| San Mateo Credit Union | 38 | 7.250% | $255,000 | 40.6% |
| UNION HOME MORTGAGE CORP. | 38 | 6.125% | $625,000 | 4.9% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 38 | 6.495% | $495,000 | 7.3% |
| Sierra Pacific Mortgage Company, Inc. | 38 | 6.563% | $565,000 | 4.6% |
| Ameris Bank | 38 | 6.313% | $615,000 | 2.6% |
| REDWOOD | 33 | 7.740% | $325,000 | 37.5% |
| BAY EQUITY LLC | 32 | 6.750% | $660,000 | 8.6% |
| JMAC LENDING, INC. | 32 | 6.875% | $600,000 | 3.0% |
| PLANET HOME LENDING, LLC | 31 | 6.750% | $705,000 | 13.9% |
| ENVOY MORTGAGE, LTD | 30 | 6.375% | $650,000 | 6.3% |
| SCHOOLSFIRST | 30 | 5.875% | $295,000 | 18.9% |
| TRIAD FINANCIAL SERVICES, INC. | 29 | 8.750% | $205,000 | 31.0% |
| STG MORTGAGE INC | 28 | 6.750% | $770,000 | 14.3% |
| AAA CAPITAL INVESTMENT, INC. | 28 | 6.563% | $520,000 | 6.7% |
| Provident Savings Bank, F.S.B. | 28 | 6.413% | $925,000 | 15.2% |
| TEACHERS FEDERAL CREDIT UNION | 28 | 5.625% | $1,195,000 | 3.5% |
| Cornerstone First Mortgage, Inc | 28 | 6.750% | $660,000 | 3.5% |
| Taylor Morrison Home Funding, Inc. | 26 | 6.500% | $1,450,000 | 44.7% |
| LONGBRIDGE FINANCIAL, LLC | 26 | 7.870% | $525,000 | 10.8% |
| HOMEXPRESS MORTGAGE CORP. | 26 | 7.188% | $465,000 | 39.5% |
| Fidelity Lending Solutions, Inc. | 26 | 7.000% | $595,000 | 0.0% |
| SAN FRANCISCO FIRE CREDIT UNION | 26 | Not published | $210,000 | 6.3% |
| Hometown Equity Mortgage, LLC | 25 | 7.125% | $665,000 | 54.6% |
| EMET LENDING GROUP, INC. | 25 | 6.875% | $615,000 | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 24 | 6.688% | $485,000 | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 24 | 6.188% | $950,000 | 4.0% |
| Citizens Bank, National Association | 24 | 5.613% | $1,480,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 23 | 6.125% | $565,000 | 72.1% |
| NFM, INC. | 23 | 4.990% | $705,000 | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 22 | 7.437% | $365,000 | 24.1% |
| CLEAREDGE LENDING LLC | 22 | 7.062% | $710,000 | 26.7% |
| Bank of Marin | 22 | Not published | $155,000 | 29.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 22 | 6.438% | $705,000 | 3.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 22 | 6.625% | $805,000 | 4.2% |
| HomeTrust Bank | 22 | 8.375% | $375,000 | 18.5% |
| Bethpage Federal Credit Union | 21 | 6.490% | $475,000 | 60.7% |
| DEEPHAVEN MORTGAGE LLC | 21 | 8.000% | $625,000 | 50.0% |
| Synergy One Lending, Inc. | 21 | 6.750% | $755,000 | 4.6% |
| PLAZA HOME MORTGAGE, INC. | 21 | 6.500% | $605,000 | 34.4% |
| Cathay Bank | 21 | 6.375% | $555,000 | 12.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 21 | 10.000% | $655,000 | 4.6% |
| Lendage, LLC | 20 | 10.375% | $65,000 | 32.4% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 20 | 10.115% | $570,000 | 0.0% |
| Barrington Bank & Trust Company, National Association | 20 | 6.688% | $545,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 20 | 6.125% | $620,000 | 13.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 20 | 6.125% | $550,000 | 0.0% |
| FlexPoint, Inc. | 19 | 6.875% | $445,000 | 9.4% |
| GUIDANCE RESIDENTIAL, LLC | 19 | 6.875% | $805,000 | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 19 | 6.990% | $665,000 | 4.4% |
| Umpqua Bank | 18 | 7.875% | $470,000 | 33.3% |
| ALAMEDA MORTGAGE CORPORATION | 18 | 6.990% | $620,000 | 5.3% |
| ONY GLO, INC. | 18 | 6.438% | $700,000 | 28.0% |
| PHH Mortgage Corporation | 17 | 5.875% | $575,000 | 37.0% |
| 1ST NORTHERN CALIFORNIA | 17 | 5.875% | $825,000 | 46.0% |
| VISTA POINT MORTGAGE, LLC | 17 | 7.625% | $635,000 | 22.2% |
| KBHS HOME LOANS, LLC | 17 | 6.250% | $725,000 | 22.7% |
| USALLIANCE FEDERAL CREDIT UNION | 17 | 8.000% | $345,000 | 10.0% |
| ARC HOME LLC | 17 | 6.750% | $885,000 | 5.6% |
| DIGITAL | 16 | 7.375% | $755,000 | 30.4% |
| CITIZENS EQUITY FIRST | 16 | 7.188% | $455,000 | 15.8% |
| CAKE MORTGAGE CORP. | 16 | 7.875% | $780,000 | 5.9% |
| Logan Finance Corporation | 16 | 6.999% | $915,000 | 15.8% |
| Prosperity Home Mortgage, LLC | 16 | 6.495% | $815,000 | 0.0% |
| Discover Bank | 15 | 8.480% | $125,000 | 83.5% |
| Tomo Mortgage, LLC | 15 | 6.125% | $835,000 | 16.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 15 | 6.625% | $635,000 | 28.6% |
| ALLIED MORTGAGE GROUP, INC. | 15 | 6.624% | $445,000 | 0.0% |
| Financial Partners Credit Union | 15 | 6.750% | $255,000 | 23.8% |
| HIGHTECHLENDING INC | 15 | 6.625% | $535,000 | 5.9% |
| 9845007CY0EC0F59W414 | 15 | 6.500% | $505,000 | 0.0% |
| 21st Mortgage Corporation | 14 | 9.585% | $200,000 | 67.4% |
| MISSION LOANS, LLC | 14 | 7.745% | $225,000 | 21.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 14 | 6.937% | $430,000 | 63.5% |
| LENDSURE MORTGAGE CORP. | 14 | 7.375% | $655,000 | 0.0% |
| The Dart Bank | 14 | 6.125% | $770,000 | 17.7% |
| FIRST COLONY MORTGAGE CORPORATION | 13 | 6.625% | $685,000 | 0.0% |
| Tri Counties Bank | 13 | 6.000% | $865,000 | 21.1% |
| 254900CTT87ZKAUTIJ37 | 13 | 9.875% | $815,000 | 6.7% |
| SmartFi Home Loans, LLC | 13 | 8.990% | $555,000 | 18.8% |
| SEA WEST COAST GUARD FEDERAL CREDIT UNION | 13 | 3.990% | $175,000 | 7.1% |
| UBS Bank USA | 13 | 6.125% | $1,005,000 | 0.0% |
| Easy Street Capital, LLC | 13 | 9.900% | $685,000 | 0.0% |
| NBKC BANK | 12 | 6.250% | $605,000 | 27.8% |
| Loan Funder LLC | 12 | 10.120% | $735,000 | 33.3% |
| ROYAL PACIFIC FUNDING CORP. | 12 | 6.250% | $565,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 12 | 6.495% | $710,000 | 0.0% |
| OAKTREE FUNDING CORP. | 12 | 7.625% | $815,000 | 5.0% |
| UIF CORPORATION | 12 | 6.870% | $765,000 | 25.0% |
| First-Citizens Bank & Trust Company | 12 | 6.445% | $530,000 | 18.8% |
| BAY-VALLEY MORTGAGE GROUP | 12 | 6.188% | $525,000 | 0.0% |
| Valon Mortgage, Inc. | 12 | 7.975% | $115,000 | 13.3% |
| 5Z1UQ1CWY0DQ3KJWDQ07 | 12 | 5.975% | $2,920,000 | 7.7% |
| SAFE Credit Union | 12 | 6.014% | $1,130,000 | 0.0% |
| USAA Federal Savings Bank | 11 | 6.125% | $565,000 | 52.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 11 | 6.500% | $585,000 | 31.3% |
| LADERA LENDING, INC. | 11 | 6.875% | $615,000 | 7.7% |
| FRANKLIN LOAN CORPORATION | 11 | 6.500% | $805,000 | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 11 | 3.625% | $315,000 | 8.3% |
| NATIONS DIRECT MORTGAGE, LLC | 11 | 6.990% | $675,000 | 0.0% |
| GTE Federal Credit Union | 11 | 8.250% | $135,000 | 21.4% |
| Truist Bank | 10 | 6.245% | $230,000 | 65.5% |
| Axos Bank | 10 | 6.625% | $1,025,000 | 9.1% |
| CommonWealth Central Credit Union | 10 | 7.500% | $405,000 | 26.7% |
| GOLDEN EMPIRE MORTGAGE, INC. | 10 | 6.250% | $635,000 | 9.1% |
| United Nations Federal Credit Union | 10 | 5.375% | $850,000 | 9.1% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 10 | 6.125% | $420,000 | 16.7% |
| Mirastar Federal Credit Union | 10 | 7.250% | $280,000 | 0.0% |
| MACKILLIE INCORPORATED | 10 | 11.000% | $570,000 | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 9 | Under 10 loans | Under 10 loans | 52.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 367 lenders each made 9 or fewer mortgages here, and are counted in the totals above.
Bank branches in Alameda County
233 FDIC-insured branches from 37 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
15 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Bank of America, National Association, 4054 Macarthur Blvd, Oakland
- Comerica Bank, 1301 E 14th St, San Leandro
- Comerica Bank, 2416 Central Ave, Alameda
- Comerica Bank, 39008 Paseo Padre Pkwy, Fremont
- Comerica Bank, 600 Main St, Ste A, Pleasanton
- Comerica Bank, 858 B St, Hayward
- First Foundation Bank, 323 20th St, Oakland
- Heritage Bank of Commerce, 1111 Broadway, Ste 1650, Oakland
- Heritage Bank of Commerce, 1987 1st St, Livermore
- Heritage Bank of Commerce, 300 Main St, Pleasanton
- Heritage Bank of Commerce, 3137 Stevenson Blvd, Fremont
- JPMorgan Chase Bank, National Association, 2051 Mountain Blvd, Oakland
- JPMorgan Chase Bank, National Association, 255 W Jackson St, Hayward
- JPMorgan Chase Bank, National Association, 43333 Christy St, Fremont
- Wells Fargo Bank, National Association, 1199 40th St, Emeryville
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.