Refinancing lenders in Alameda County
6,207 refinancing mortgages were made in Alameda County, California, in 2025, by 367 lenders. The median rate their borrowers got was 6.000% on a median loan of $815,000. Of 7,902 decisions, 1,425 were denials — 18.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Bank of America, National Association | 514 | 5.625% | $1,035,000 | 22.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 484 | 5.999% | $705,000 | 15.2% |
| U.S. Bank National Association | 462 | 5.875% | $1,075,000 | 9.7% |
| Citibank, National Association | 453 | 5.500% | $1,105,000 | 5.2% |
| Rocket Mortgage, LLC | 407 | 6.125% | $755,000 | 22.4% |
| JPMorgan Chase Bank, National Association | 331 | 5.875% | $945,000 | 7.3% |
| Wells Fargo Bank, National Association | 259 | 5.625% | $1,195,000 | 11.3% |
| Fremont Bank | 234 | 8.250% | $305,000 | 32.9% |
| Patelco Credit Union | 157 | 8.000% | $255,000 | 18.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 148 | 6.500% | $915,000 | 3.2% |
| THE GOLDEN 1 | 123 | 5.625% | $1,125,000 | 19.8% |
| PENNYMAC LOAN SERVICES, LLC | 112 | 6.375% | $850,000 | 5.7% |
| STAR ONE Credit Union | 79 | 5.625% | $995,000 | 29.7% |
| CMG MORTGAGE, INC. | 78 | 6.750% | $690,000 | 9.7% |
| Loandepot.Com, LLC | 70 | 5.990% | $720,000 | 17.2% |
| BMO Bank National Association | 68 | 5.875% | $1,240,000 | 27.6% |
| GOOGAIN, INC. | 65 | 6.375% | $625,000 | 1.5% |
| PNC Bank, National Association | 63 | 6.125% | $655,000 | 29.0% |
| FINANCE OF AMERICA REVERSE LLC | 62 | 8.990% | $585,000 | 7.5% |
| City National Bank | 60 | 5.425% | $1,170,000 | 12.7% |
| General Mortgage Capital Corporation | 58 | 6.375% | $600,000 | 4.9% |
| Third Federal Savings and Loan Association of Cleveland | 57 | 6.990% | $275,000 | 27.2% |
| GUARANTEED RATE, INC. | 53 | 6.250% | $905,000 | 8.6% |
| NEW WAVE LENDING GROUP INC | 49 | 6.875% | $665,000 | 0.0% |
| ALLIANT CREDIT UNION | 41 | 6.000% | $845,000 | 27.6% |
| Sunward Federal Credit Union | 41 | 5.625% | $915,000 | 2.4% |
| NexBank | 39 | 6.250% | $985,000 | 26.4% |
| Vellum Mortgage, Inc. | 39 | 6.500% | $815,000 | 4.7% |
| NEWREZ LLC | 38 | 6.188% | $745,000 | 41.2% |
| Charles Schwab Bank, SSB | 37 | 5.625% | $1,125,000 | 5.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 36 | 5.935% | $705,000 | 5.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 36 | 5.737% | $950,000 | 7.5% |
| SUN WEST MORTGAGE COMPANY, INC. | 36 | 5.625% | $670,000 | 4.6% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 31 | 6.250% | $645,000 | 8.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 31 | 6.375% | $615,000 | 11.4% |
| Broker Solutions, Inc. | 29 | 6.375% | $645,000 | 12.1% |
| 1ST UNITED SERVICES CREDIT UNION | 29 | 5.500% | $215,000 | 31.9% |
| A&D Mortgage LLC | 29 | 5.990% | $555,000 | 9.4% |
| THE LOAN STORE, INC. | 27 | 6.490% | $585,000 | 2.9% |
| FREEDOM MORTGAGE CORPORATION | 25 | 6.125% | $725,000 | 18.0% |
| OriginPoint, LLC | 24 | 6.500% | $845,000 | 3.9% |
| NMSI, INC. | 23 | 6.250% | $645,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 22 | 5.933% | $600,000 | 24.1% |
| East West Bank | 22 | 6.500% | $480,000 | 30.3% |
| TECHNOLOGY CREDIT UNION | 22 | 6.188% | $965,000 | 15.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 21 | 6.250% | $775,000 | 19.2% |
| Provident Credit Union | 20 | 5.813% | $680,000 | 0.0% |
| Provident Savings Bank, F.S.B. | 19 | 6.375% | $935,000 | 13.6% |
| CONVENTUS LLC | 19 | 10.000% | $1,085,000 | 0.0% |
| TRAVIS CREDIT UNION | 19 | 5.543% | $965,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 18 | 6.313% | $900,000 | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 18 | 8.990% | $460,000 | 8.0% |
| Comerica Bank | 17 | 5.990% | $455,000 | 53.5% |
| Zions Bancorporation, N.A. | 17 | 6.125% | $805,000 | 34.4% |
| NuVision Federal Credit Union | 17 | 4.990% | $165,000 | 19.1% |
| RESICENTRAL, LLC | 16 | 6.558% | $690,000 | 15.0% |
| Mechanics Bank | 16 | 7.125% | $455,000 | 20.0% |
| LAKEVIEW LOAN SERVICING, LLC | 15 | 6.125% | $645,000 | 70.4% |
| PHH Mortgage Corporation | 14 | 5.688% | $605,000 | 33.3% |
| TEACHERS FEDERAL CREDIT UNION | 14 | 5.625% | $910,000 | 0.0% |
| SPRING EQ, LLC | 13 | 7.375% | $305,000 | 44.0% |
| 1ST NORTHERN CALIFORNIA | 13 | 5.875% | $935,000 | 38.5% |
| Commerce Home Mortgage, Inc. | 13 | 6.875% | $845,000 | 18.8% |
| Morgan Stanley Private Bank, National Association | 13 | 5.750% | $875,000 | 0.0% |
| KIND LENDING, LLC | 12 | 6.500% | $755,000 | 36.8% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 12 | 6.125% | $885,000 | 6.7% |
| STANFORD Federal Credit Union | 12 | 6.063% | $710,000 | 14.3% |
| EVERETT FINANCIAL, INC. | 12 | 6.750% | $525,000 | 7.7% |
| Ameris Bank | 12 | 6.433% | $510,000 | 7.7% |
| LADERA LENDING, INC. | 11 | 6.875% | $615,000 | 7.7% |
| Paramount Residential Mortgage Group, Inc. | 11 | 6.125% | $605,000 | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 11 | 6.990% | $665,000 | 15.4% |
| CHEVRON Federal Credit Union | 11 | 5.875% | $965,000 | 8.3% |
| Flagstar Bank, N.A. | 11 | 5.725% | $935,000 | 33.3% |
| HIGHTECHLENDING INC | 11 | 6.625% | $555,000 | 8.3% |
| SAN FRANCISCO FEDERAL CREDIT UNION | 11 | 5.625% | $795,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 10 | 5.813% | $655,000 | 28.6% |
| OCMBC, INC. | 10 | 6.437% | $450,000 | 23.5% |
| PENTAGON FEDERAL CREDIT UNION | 10 | 7.625% | $360,000 | 44.4% |
| ONY GLO, INC. | 10 | 6.438% | $685,000 | 33.3% |
| UNION HOME MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| United Nations Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 10.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Bank of Marin | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Mortgage Research Center, LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| AAA CAPITAL INVESTMENT, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| UNCLE Credit Union | 8 | Under 10 loans | Under 10 loans | 27.3% |
| SmartFi Home Loans, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| MACKILLIE INCORPORATED | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 66.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Umpqua Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| The Dart Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Citizens Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Northpointe Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NBKC BANK | 6 | Under 10 loans | Under 10 loans | 30.0% |
| ARC HOME LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| HomeTrust Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| KEYPOINT Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Bison State Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| QUORUM FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 68.8% |
| DIGITAL | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 40.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS EQUITY FIRST | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MERIWEST | 5 | Under 10 loans | Under 10 loans | 28.6% |
| UIF CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| BAY-VALLEY MORTGAGE GROUP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SCHOOLSFIRST | 5 | Under 10 loans | Under 10 loans | 0.0% |
| T. J. FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SAN FRANCISCO FIRE CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 4 | Under 10 loans | Under 10 loans | 14.3% |
| LoanUnited.com, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| 254900CTT87ZKAUTIJ37 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| CAKE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Tri Counties Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC SERVICE CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| San Mateo Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GUIDANCE RESIDENTIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Five Star Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 3 | Under 10 loans | Under 10 loans | 57.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Service Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 62.5% |
| SayGO Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| REDWOOD | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Fidelity Lending Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 33.3% |
| MLD MORTGAGE INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Financial Partners Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CommonWealth Central Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| KINECTA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SAFE Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COASTAL FUNDING SLC, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SCENIC OAKS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Bridge Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 66.7% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| INTELLILOAN, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Greenbox Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| SUMMIT FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Golden Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings and Loan Association of San Rafael | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 5Z1UQ1CWY0DQ3KJWDQ07 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 9845007CY0EC0F59W414 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 2 | 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 167 lenders each made 2 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.