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refinance lenders · HMDA 2023–2025

Refinance lenders in Alameda County, California

Fat Boy Data analyzed mortgage refinance activity in Alameda County, California to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 12,879 applications were decided by 362 lenders between 2023 and 2025.

Alameda County at a glance

362Active lenders79 with 20+ decisions
80.4%Market approval rate10,359 of 12,879 decided
$735KTypical loanmedian lender, $10K brackets
96%Borrower take-up9,898 loans funded

How Alameda County compares

Approval rate compared
Alameda County80.4%California76.7%All 616 counties76.5%
Typical loan compared
Alameda County$735KCalifornia$655KAll 616 counties$295K

What the data shows

Bank of America, National Association made the most mortgage refinances in Alameda County, CA, 926 of them.

New Wave Lending Group Inc approved the highest share of applications among lenders with at least 20 decisions here, 100% of 71.

The typical mortgage refinance here is $735K, 12% larger than the California typical of $655K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Amerisave Mortgage Corporation: 7% approved of 42Discover Bank: 20% approved of 140Lakeview Loan Servicing, LLC: 30% approved of 181Spring Eq, LLC: 40% approved of 81Fourleaf: 44% approved of 36Comerica Bank: 50% approved of 105Pentagon Federal Credit Union: 54% approved of 39Newrez LLC: 59% approved of 85East West Bank: 64% approved of 39Onity Mortgage Corporation: 64% approved of 45BMO Bank National Association: 64% approved of 228Flagstar Bank, National Association: 67% approved of 45Third Federal Savings And Loan Association Of Cleveland: 67% approved of 194STAR ONE Credit Union: 69% approved of 217Alliant Credit Union: 69% approved of 1001St United Services Credit Union: 70% approved of 120PNC Bank, National Association: 70% approved of 222Fremont Bank: 73% approved of 728Zions Bancorporation, N.A.: 74% approved of 70Bank of America, National Association: 75% approved of 1,258Loandepot.Com, LLC: 76% approved of 135Change Lending, LLC: 78% approved of 36Rocket Mortgage, LLC: 79% approved of 870American Pacific Mortgage Corporation: 80% approved of 49Technology Credit Union: 80% approved of 50Nationstar Mortgage LLC: 81% approved of 42NexBank: 81% approved of 48Patelco Credit Union: 82% approved of 236New American Funding, LLC: 82% approved of 51UNCLE Credit Union: 83% approved of 46Freedom Mortgage Corporation: 83% approved of 60United Wholesale Mortgage, LLC: 85% approved of 942The Golden 1: 85% approved of 232Wells Fargo Bank, National Association: 86% approved of 419City National Bank: 87% approved of 70Mutual of Omaha Mortgage, Inc.: 88% approved of 89U.S. Bank National Association: 89% approved of 964Finance of America Reverse LLC: 91% approved of 183Longbridge Financial, LLC: 91% approved of 65Provident Funding Associates, L.P.: 92% approved of 72Sage Home Loans Corporation: 92% approved of 50General Mortgage Capital Corporation: 92% approved of 76Hsbc Bank USA, N.A.tional Association: 93% approved of 82Pennymac Loan Services, LLC: 93% approved of 155JPMorgan Chase Bank, National Association: 93% approved of 419Sun West Mortgage Company, Inc.: 93% approved of 45A&D Mortgage LLC: 94% approved of 32Guaranteed Rate, Inc.: 94% approved of 67The Loan Store, Inc.: 94% approved of 34STANFORD Federal Credit Union: 94% approved of 145Charles Schwab Bank, SSB: 95% approved of 63Citibank, National Association: 96% approved of 594Cmg Mortgage, Inc.: 96% approved of 125Vellum Mortgage, Inc.: 97% approved of 62Sunward: 98% approved of 48Provident Credit Union: 99% approved of 72Googain, Inc.: 99% approved of 73Crosscountry Mortgage, LLC: 99% approved of 222New Wave Lending Group Inc: 100% approved of 71Nmsi, Inc.: 100% approved of 31

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in Alameda County

LenderApprovalApprovedTaken upTypical loanLoans made
1Bank of America, National Association75%942 / 1,25898%$945K926
2U.S. Bank National Association89%862 / 96498%$1.05M845
3United Wholesale Mortgage, LLCBroker only85%797 / 94297%$725K773
4Rocket Mortgage, LLC79%684 / 87096%$735K660
5Fremont Bank73%528 / 72898%$255K519

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 357 more lenders.

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Other lending data for Alameda County

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Nearby markets

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