Fremont Bank
Fremont Bank received 3,459 applications in 2025 and made 1,960 mortgages, in 48 counties across 2 states. The median rate its borrowers got was 8.250% on a median loan of $255,000. Of 3,042 decisions, 1,021 were denials — 33.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493006F1N8E3EEF3W63 |
|---|---|
| Applications received | 3,459 |
| Mortgages made | 1,960 |
| Denied | 1,021 |
| Approved, not taken up | 61 |
| Withdrawn or incomplete | 417 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.99 points |
| FDIC-insured bank | Yes: Fremont Bank, 23 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 248 | 6.875% | $505,000 | 14.5% |
| Refinancing | 649 | 8.250% | $305,000 | 34.7% |
| Cash-out refinancing | 126 | 6.990% | $355,000 | 30.1% |
| Other purposes | 937 | 8.250% | $205,000 | 37.0% |
Where Fremont Bank lends most
The 48 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Alameda County, CA | 705 | 8.250% | 30.2% |
| Contra Costa County, CA | 406 | 8.250% | 30.3% |
| Santa Clara County, CA | 268 | 8.250% | 29.2% |
| San Mateo County, CA | 88 | 8.250% | 37.5% |
| San Joaquin County, CA | 58 | 8.250% | 46.9% |
| San Francisco County, CA | 55 | 8.000% | 39.8% |
| Monterey County, CA | 50 | 8.250% | 25.0% |
| Sacramento County, CA | 45 | 8.250% | 37.2% |
| Solano County, CA | 30 | 8.125% | 23.8% |
| Sonoma County, CA | 28 | 8.250% | 23.7% |
| Los Angeles County, CA | 25 | 8.250% | 51.9% |
| Marin County, CA | 23 | 8.250% | 46.7% |
| Placer County, CA | 17 | 7.250% | 43.8% |
| Santa Cruz County, CA | 17 | 8.250% | 45.2% |
| Stanislaus County, CA | 16 | 8.625% | 55.3% |
| Orange County, CA | 13 | 8.250% | 56.7% |
| El Dorado County, CA | 12 | 8.250% | 50.0% |
| Fresno County, CA | 12 | 9.000% | 25.0% |
| Napa County, CA | 11 | 8.250% | 26.7% |
| San Diego County, CA | 11 | 7.750% | 52.0% |
| Nevada County, CA | 10 | 8.625% | 23.1% |
| Riverside County, CA | 9 | Under 10 loans | 35.7% |
| Amador County, CA | 7 | Under 10 loans | 12.5% |
| Calaveras County, CA | 7 | Under 10 loans | 46.2% |
| Tulare County, CA | 5 | Under 10 loans | 0.0% |
| San Luis Obispo County, CA | 4 | Under 10 loans | 50.0% |
| Tuolumne County, CA | 4 | Under 10 loans | 28.6% |
| Washoe County, NV | 4 | Under 10 loans | 20.0% |
| San Bernardino County, CA | 3 | Under 10 loans | 40.0% |
| Butte County, CA | 2 | Under 10 loans | 66.7% |
| Merced County, CA | 2 | Under 10 loans | 75.0% |
| San Benito County, CA | 2 | Under 10 loans | 50.0% |
| Santa Barbara County, CA | 2 | Under 10 loans | 50.0% |
| Kern County, CA | 1 | Under 10 loans | 0.0% |
| Mariposa County, CA | 1 | Under 10 loans | 0.0% |
| Mendocino County, CA | 1 | Under 10 loans | 0.0% |
| Sutter County, CA | 1 | Under 10 loans | 0.0% |
| Tehama County, CA | 1 | Under 10 loans | 50.0% |
| Ventura County, CA | 1 | Under 10 loans | 50.0% |
| Yolo County, CA | 1 | Under 10 loans | 66.7% |
| Clark County, NV | 1 | Under 10 loans | 83.3% |
| Douglas County, NV | 1 | Under 10 loans | 0.0% |
| Alpine County, CA | 0 | Under 10 loans | 100.0% |
| Kings County, CA | 0 | Under 10 loans | 100.0% |
| Lake County, CA | 0 | Under 10 loans | 100.0% |
| Madera County, CA | 0 | Under 10 loans | 100.0% |
| Shasta County, CA | 0 | Under 10 loans | 100.0% |
| Yuba County, CA | 0 | Under 10 loans | 100.0% |
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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.