Home purchase lenders in Alameda County
9,675 home purchase mortgages were made in Alameda County, California, in 2025, by 422 lenders. The median rate their borrowers got was 6.375% on a median loan of $795,000. Of 10,926 decisions, 959 were denials — 8.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 682 | 6.500% | $685,000 | 11.1% |
| Rocket Mortgage, LLC | 679 | 6.500% | $705,000 | 12.5% |
| Wells Fargo Bank, National Association | 613 | 5.625% | $1,155,000 | 6.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 504 | 6.750% | $785,000 | 1.0% |
| Bank of America, National Association | 480 | 5.625% | $1,075,000 | 12.2% |
| JPMorgan Chase Bank, National Association | 436 | 6.125% | $955,000 | 9.0% |
| U.S. Bank National Association | 379 | 6.125% | $1,005,000 | 11.4% |
| CMG MORTGAGE, INC. | 307 | 6.625% | $785,000 | 0.9% |
| Citibank, National Association | 275 | 5.750% | $1,055,000 | 5.1% |
| PENNYMAC LOAN SERVICES, LLC | 170 | 6.624% | $905,000 | 13.6% |
| GUARANTEED RATE, INC. | 139 | 6.450% | $745,000 | 1.4% |
| THE GOLDEN 1 | 139 | 5.875% | $965,000 | 10.8% |
| Broker Solutions, Inc. | 138 | 6.750% | $640,000 | 2.1% |
| Kiavi Funding, Inc. | 133 | 9.750% | $855,000 | 6.8% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 123 | 5.900% | $905,000 | 1.6% |
| PNC Bank, National Association | 119 | 6.250% | $745,000 | 5.5% |
| BMO Bank National Association | 111 | 6.000% | $1,205,000 | 21.1% |
| Patelco Credit Union | 109 | 5.625% | $1,075,000 | 5.7% |
| General Mortgage Capital Corporation | 102 | 6.500% | $655,000 | 0.0% |
| CONVENTUS LLC | 101 | 9.990% | $845,000 | 0.0% |
| Vellum Mortgage, Inc. | 98 | 6.625% | $720,000 | 0.0% |
| LENNAR MORTGAGE, LLC | 93 | 5.875% | $825,000 | 3.1% |
| STAR ONE Credit Union | 90 | 5.938% | $840,000 | 10.5% |
| EVERETT FINANCIAL, INC. | 90 | 6.500% | $465,000 | 4.3% |
| AMWEST FUNDING CORP. | 87 | 6.875% | $635,000 | 3.3% |
| Sunward Federal Credit Union | 86 | 5.750% | $865,000 | 2.3% |
| Provident Credit Union | 86 | 5.750% | $1,050,000 | 1.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 84 | 6.750% | $650,000 | 18.5% |
| THE LOAN STORE, INC. | 83 | 6.500% | $595,000 | 9.4% |
| NEW WAVE LENDING GROUP INC | 81 | 7.000% | $635,000 | 0.0% |
| Fremont Bank | 79 | 6.750% | $505,000 | 14.6% |
| GUARANTEED RATE AFFINITY, LLC | 78 | 6.588% | $780,000 | 0.0% |
| East West Bank | 76 | 6.438% | $560,000 | 23.8% |
| GOOGAIN, INC. | 75 | 6.624% | $685,000 | 0.0% |
| Charles Schwab Bank, SSB | 73 | 5.500% | $1,215,000 | 1.4% |
| Loandepot.Com, LLC | 72 | 6.688% | $750,000 | 8.9% |
| AMERITRUST MORTGAGE CORPORATION | 63 | 6.875% | $675,000 | 1.6% |
| NMSI, INC. | 61 | 6.750% | $695,000 | 0.0% |
| OriginPoint, LLC | 60 | 6.563% | $1,090,000 | 1.6% |
| Fairway Independent Mortgage Corporation | 58 | 6.625% | $605,000 | 3.3% |
| Commerce Home Mortgage, Inc. | 57 | 6.990% | $635,000 | 6.6% |
| Paramount Residential Mortgage Group, Inc. | 42 | 6.125% | $545,000 | 12.2% |
| City National Bank | 42 | 5.355% | $1,205,000 | 6.7% |
| RESICENTRAL, LLC | 42 | 6.625% | $620,000 | 0.0% |
| NexBank | 41 | 6.500% | $835,000 | 8.9% |
| KIND LENDING, LLC | 40 | 6.625% | $640,000 | 32.8% |
| OCMBC, INC. | 40 | 6.937% | $605,000 | 12.0% |
| GUILD MORTGAGE COMPANY | 40 | 6.500% | $575,000 | 4.3% |
| Morgan Stanley Private Bank, National Association | 39 | 5.825% | $1,005,000 | 2.5% |
| Mechanics Bank | 38 | 5.875% | $1,230,000 | 5.0% |
| MLD MORTGAGE INC. | 38 | 6.125% | $515,000 | 0.0% |
| Citadel Servicing Corporation | 33 | 7.250% | $335,000 | 0.0% |
| Mortgage Research Center, LLC | 32 | 5.990% | $735,000 | 8.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 31 | 6.375% | $605,000 | 13.5% |
| STANFORD Federal Credit Union | 31 | 6.125% | $835,000 | 0.0% |
| A&D Mortgage LLC | 30 | 6.490% | $605,000 | 3.2% |
| NEWREZ LLC | 29 | 6.500% | $735,000 | 9.4% |
| Zions Bancorporation, N.A. | 29 | 6.125% | $725,000 | 11.6% |
| BAY EQUITY LLC | 29 | 6.750% | $665,000 | 9.4% |
| TRIAD FINANCIAL SERVICES, INC. | 28 | 8.750% | $210,000 | 30.0% |
| Flagstar Bank, N.A. | 28 | 6.375% | $680,000 | 39.6% |
| ENVOY MORTGAGE, LTD | 28 | 6.375% | $670,000 | 0.0% |
| Taylor Morrison Home Funding, Inc. | 26 | 6.500% | $1,450,000 | 44.7% |
| NEXERA HOLDING LLC | 26 | 7.188% | $905,000 | 10.3% |
| Sierra Pacific Mortgage Company, Inc. | 26 | 6.375% | $535,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 26 | 6.125% | $635,000 | 3.7% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 26 | 6.558% | $460,000 | 7.1% |
| BETTER MORTGAGE CORPORATION | 25 | 6.500% | $765,000 | 10.3% |
| CHEVRON Federal Credit Union | 25 | 5.750% | $1,205,000 | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 24 | 6.188% | $950,000 | 4.0% |
| SAN FRANCISCO FEDERAL CREDIT UNION | 24 | 5.813% | $865,000 | 0.0% |
| NFM, INC. | 23 | 4.990% | $705,000 | 0.0% |
| STG MORTGAGE INC | 22 | 6.625% | $770,000 | 8.3% |
| ALLIANT CREDIT UNION | 21 | 6.625% | $455,000 | 8.7% |
| JMAC LENDING, INC. | 21 | 6.625% | $575,000 | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 20 | 5.938% | $455,000 | 3.6% |
| CHAMPIONS FUNDING, LLC | 19 | 7.999% | $565,000 | 17.4% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 19 | 6.625% | $495,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 19 | 6.625% | $765,000 | 4.4% |
| ZILLOW HOME LOANS, LLC | 19 | 6.125% | $615,000 | 9.5% |
| TECHNOLOGY CREDIT UNION | 19 | 6.125% | $905,000 | 0.0% |
| Ameris Bank | 18 | 6.495% | $700,000 | 0.0% |
| Cornerstone First Mortgage, Inc | 18 | 6.563% | $680,000 | 5.3% |
| KBHS HOME LOANS, LLC | 17 | 6.250% | $725,000 | 22.7% |
| Navy Federal Credit Union | 17 | 6.000% | $655,000 | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 17 | 6.990% | $665,000 | 0.0% |
| Synergy One Lending, Inc. | 16 | 6.875% | $760,000 | 0.0% |
| Fidelity Lending Solutions, Inc. | 16 | 6.938% | $595,000 | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 16 | 6.563% | $475,000 | 0.0% |
| PLANET HOME LENDING, LLC | 16 | 6.875% | $765,000 | 11.1% |
| Tomo Mortgage, LLC | 15 | 6.125% | $835,000 | 16.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 15 | 6.120% | $795,000 | 5.6% |
| Barrington Bank & Trust Company, National Association | 15 | 6.750% | $555,000 | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 15 | 6.875% | $805,000 | 0.0% |
| TRAVIS CREDIT UNION | 15 | 6.125% | $745,000 | 6.3% |
| EMET LENDING GROUP, INC. | 15 | 7.375% | $665,000 | 0.0% |
| REDWOOD | 15 | 6.250% | $835,000 | 6.3% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 15 | 6.500% | $1,045,000 | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 14 | 7.249% | $450,000 | 12.5% |
| AMERIHOME MORTGAGE COMPANY, LLC | 14 | 6.750% | $820,000 | 6.7% |
| CLEAREDGE LENDING LLC | 14 | 7.125% | $740,000 | 12.5% |
| San Mateo Credit Union | 14 | 5.625% | $930,000 | 6.7% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 14 | 9.700% | $900,000 | 6.7% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 14 | 6.688% | $495,000 | 0.0% |
| Cathay Bank | 13 | 6.250% | $555,000 | 7.1% |
| Citizens Bank, National Association | 13 | 5.550% | $1,695,000 | 0.0% |
| 21st Mortgage Corporation | 12 | 9.645% | $240,000 | 64.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 12 | 6.495% | $725,000 | 0.0% |
| Loan Funder LLC | 12 | 10.120% | $735,000 | 20.0% |
| ALAMEDA MORTGAGE CORPORATION | 12 | 6.933% | $620,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 12 | 6.313% | $780,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 12 | 6.808% | $725,000 | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 12 | 5.813% | $1,235,000 | 0.0% |
| Hometown Equity Mortgage, LLC | 11 | 7.250% | $755,000 | 47.6% |
| AMERICAN FINANCIAL NETWORK, INC. | 11 | 6.625% | $645,000 | 26.7% |
| KEYPOINT Credit Union | 11 | 6.750% | $575,000 | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 10 | 6.625% | $400,000 | 0.0% |
| FlexPoint, Inc. | 10 | 6.563% | $565,000 | 13.3% |
| FRANKLIN LOAN CORPORATION | 10 | 6.438% | $805,000 | 0.0% |
| LENDSURE MORTGAGE CORP. | 10 | 7.375% | $435,000 | 0.0% |
| 9845007CY0EC0F59W414 | 10 | 6.500% | $520,000 | 0.0% |
| MERIWEST | 10 | 6.390% | $415,000 | 9.1% |
| PLAZA HOME MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 30.8% |
| FIRST COLONY MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| NuVision Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 0.0% |
| 5TH STREET CAPITAL, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 8 | Under 10 loans | Under 10 loans | 11.1% |
| ONY GLO, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| 254900CTT87ZKAUTIJ37 | 8 | Under 10 loans | Under 10 loans | 11.1% |
| GOLDEN EMPIRE MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| GENWAY HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| HOMEXPRESS MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| ARC HOME LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Exchange Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SAFE Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 44.7% |
| USAA Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 45.5% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 45.5% |
| CAKE MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| SCHOOLSFIRST | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Provident Savings Bank, F.S.B. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Tri Counties Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Plains Commerce Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| 9845005BP6974AE5D838 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MORTGAGEONE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 5 | Under 10 loans | Under 10 loans | 14.3% |
| BAY-VALLEY MORTGAGE GROUP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UNCLE Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Umpqua Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 5Z1UQ1CWY0DQ3KJWDQ07 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Boeing Employees Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NATIONAL COOPERATIVE BANK, N.A. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Abundance 99, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900T8N4RLS6G3BF64 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 549300U4NMMQ8OEM3D10 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC SERVICE CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 8.3% |
| 1ST UNITED SERVICES CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 62.5% |
| Home Mortgage Alliance Corporation (HMAC) | 3 | Under 10 loans | Under 10 loans | 33.3% |
| Comerica Bank | 3 | Under 10 loans | Under 10 loans | 16.7% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Commercial Bank (USA) | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOLL BROTHERS MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ML Mortgage Corp. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SUMMIT MORTGAGE BANKERS INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Bridge Funding, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Golden Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Bridge Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 222 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
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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. 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.