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Alameda County, California · 2025

Mortgage lenders in Alameda County, CA: denial rates and top lenders (2025)

556 lenders acted on 38,051 mortgage applications for properties in Alameda County in 2025. 15.6% were denied (California: 17.4%). Median rate on closed loans 6.49%; median loan $575,000; median property value $1,245,000.

38kApplications
15.6%Denial ratestate 17.4%
6.49%Median ratestate 6.63%
$575,000Median loan
$1,245,000Median property value

Largest lenders in Alameda County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Bank of America F 2,4571,345 22.3%5.88%
2 Rocket Mortgage C 2,2101,611 17.6%6.63%
3 United Shore Financial Services B 1,9811,424 13.5%6.50%
4 U.S. Bank D 1,7381,050 20.3%6.13%
5 Wells Fargo Bank B 1,451921 6.6%5.63%
6 JPMorgan Chase Bank B 1,399910 7.5%6.01%
7 Citibank B 1,355782 7.2%5.63%
8 Fremont Bank D 1,164705 26.9%8.25%
9 Patelco Credit Union C 997432 10.7%8.00%
10 Crosscountry Mortgage B 972713 1.9%6.65%
11 BMO Bank F 870334 31.4%6.75%
12 The Golden 1 D 636363 22.6%6.00%
13 Spring Eq D 559139 55.5%8.23%
14 Pennymac Loan Services C 544339 10.7%6.50%
15 Coastal Community Bank C 53785 1.3%8.99%
16 CMG Mortgage A 529412 3.0%6.63%
17 Guaranteed Rate B 518232 3.7%6.50%
18 STAR ONE Credit Union B 448270 25.2%6.00%
19 Loandepot.Com D 436253 19.7%6.75%
20 Newrez D 420118 24.8%6.75%
21 PNC Bank D 416247 16.8%6.25%
22 1st United Services Credit Union B 398221 31.7%5.50%
23 Broker Solutions D 385206 7.5%6.75%
24 Figure Lending C 315138 23.8%8.75%
25 AMWEST Funding C 294200 3.7%6.88%

Best approval odds in Alameda County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Nmsi930.0%
2Conventus1400.0%
3New Wave Lending Group1430.0%
4Provident Credit Union1800.6%
5Googain1540.7%
6General Mortgage Capital1881.6%
7Coastal Community Bank3861.8%
8Vellum Mortgage1452.1%
9Crosscountry Mortgage7402.4%
10Lennar Mortgage963.1%

What Alameda County borrowers applied for

By loan purpose

Home purchase 13,940 37% · 6.9% denied
Refinance 10,327 27% · 13.8% denied
Cash-out refinance 5,389 14% · 20.9% denied
Home improvement 4,000 11% · 27.9% denied
Other / HELOC 4,395 12% · 29.7% denied

By loan type

Conventional 36,109 95% · 15.5% denied
FHA 1,442 4% · 17.6% denied
VA 492 1% · 12.8% denied
USDA / RHS 8 0% · 12.5% denied

Why applications were denied

Debt-to-income ratio 2,363 40%
Collateral 1,000 17%
Incomplete application 933 16%
Credit history 697 12%
Other 509 9%
Unverifiable information 259 4%
Insufficient cash 118 2%
Employment history 29 0%
Mortgage insurance denied 2 0%

Alameda County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202328,98816,47218.4%6.75%$505,000
202433,55319,30316.6%6.75%$545,000
202538,05121,95815.6%6.49%$575,000

Frequently asked questions

15.6% of applications in Alameda County were denied in 2025, against 17.4% statewide in California.

Bank of America, with 2,457 applications in 2025 and a denial rate of 22.3%.

The median mortgage application in Alameda County in 2025 was for $575,000; the median property value on originated loans was $1,245,000.