Alameda Mortgage in California vs the state
2.3%Denial rate-15.08 pts vs state
3.1%Decision denial rate-19.27 pts vs state
72.3%Origination rate+16.13 pts vs state
6.50%Median rate-0.13 pts vs state
0.29Rate spread (pts)+0.02 pts vs state
$119kMedian applicant income
2,287Loans originated
74Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,577 | 1,828 | 4.1% | 6.75% | #65 |
| 2024 | 2,920 | 2,066 | 1.8% | 6.63% | #61 |
| 2025 | 3,162 | 2,287 | 2.3% | 6.50% | #62 |
What Alameda Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Alameda Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fresno County | 1,144 | 800 | 32 | 2.8% |
| Tulare County | 489 | 351 | 15 | 3.1% |
| Madera County | 300 | 236 | 6 | 2.0% |
| Kings County | 174 | 140 | 1 | 0.6% |
| Sacramento County | 106 | 69 | 4 | 3.8% |
| Los Angeles County | 100 | 63 | 3 | 3.0% |
| Contra Costa County | 99 | 82 | 0 | 0.0% |
| Kern County | 65 | 49 | 2 | 3.1% |
| Nevada County | 60 | 52 | 0 | 0.0% |
| Ventura County | 49 | 33 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 3,162 applications in 2025, of which 2,287 were originated and 74 denied.
2.3% of all applications, or 3.1% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Alameda Mortgage originated in California in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Alameda Mortgage's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology