Alameda Mortgage Corporation Rates, Fees & Info
SANTA ROSA, CALEI: 5493000OM9RKJW8W5K82
Tax ID: 94-2229242
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Mortgage Data
Review & Overview
Alameda Mortgage Corporation is a small mortgage company specializing in Home Purchase loans. Alameda Mortgage Corporation has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Fresno, Sacramento, Visalia, San Francisco, and Salt Lake City among others. We have data for 141 markets. (Some data included below & more in-depth data is available with an active subscription.)Alameda Mortgage Corporation has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Alameda Mortgage Corporation is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.16% | 7/7/25 |
| 30 Year Conventional Refi | 6.94% | 7/7/25 |
| 30 Year Cash-out Refi | 7.12% | 7/7/25 |
| 30 Year FHA Purchase | 7.43% | 7/7/25 |
| 30 Year FHA Refi | 7.23% | 7/7/25 |
| 30 Year VA Purchase | 6.64% | 7/7/25 |
| 30 Year VA Refi | 5.87% | 7/7/25 |
| 30 Year USDA Purchase | 6.92% | 7/7/25 |
| 15 Year Conventional Purchase | 6.69% | 7/7/25 |
| 15 Year Conventional Refi | 6.48% | 7/7/25 |
| 15 Year Cash-out Refi | 6.48% | 7/7/25 |
| 15 Year FHA Purchase | 6.97% | 7/7/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Alameda Mortgage Corporation Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Alameda Mortgage Corporation. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,950Origination Dollar Volume (All Markets)
$1,049,880,000Awards
ALAMEDA MORTGAGE CORPORATION - 2024
ALAMEDA MORTGAGE CORPORATION is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Alameda Mortgage Corporation's average 30 year fixed mortgage rate was
6.17%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of -0.38%.
Relative Fees (Closing Costs)
Alameda Mortgage Corporation's average total fees/closing costs for a 30 year fixed rate
mortgage were $10,828.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| FRESNO, CA (FHA|USDA|VA) | 781 | $234,595,000 | $300,378 | $12,288 | 5.55% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 195 | $85,205,000 | $436,949 | $9,413 | 6.19% |
| VISALIA, CA (FHA|USDA|VA) | 286 | $74,210,000 | $259,476 | $12,388 | 5.50% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 102 | $61,040,000 | $598,431 | $11,006 | 6.61% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 179 | $57,265,000 | $319,916 | $12,545 | 7.17% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 180 | $55,670,000 | $309,278 | $14,721 | 6.00% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 155 | $42,335,000 | $273,129 | $7,057 | 6.76% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 61 | $40,235,000 | $659,590 | $13,283 | 6.37% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 48 | $27,780,000 | $578,750 | $9,907 | 6.53% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 41 | $22,465,000 | $547,927 | $9,342 | 6.56% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 42 | $22,030,000 | $524,524 | $5,648 | 6.94% |
| MADERA, CA (FHA|USDA|VA) | 66 | $21,330,000 | $323,182 | $13,304 | 5.48% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 63 | $21,195,000 | $336,429 | $10,420 | 7.07% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 35 | $20,105,000 | $574,429 | $10,046 | 6.74% |
| NAPA, CA (FHA|USDA|VA) | 32 | $17,800,000 | $556,250 | $9,352 | 6.57% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 23 | $15,615,000 | $678,913 | $19,322 | 6.59% |
| Outside of Metro Areas | 45 | $12,455,000 | $276,778 | $9,453 | 6.38% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 41 | $11,815,000 | $288,171 | $11,920 | 5.64% |
| VALLEJO, CA (FHA|USDA|VA) | 23 | $11,525,000 | $501,087 | $10,561 | 6.56% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 14 | $10,680,000 | $762,857 | $12,021 | 6.87% |
| MODESTO, CA (FHA|USDA|VA) | 34 | $9,650,000 | $283,824 | $9,342 | 6.52% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 37 | $8,305,000 | $224,459 | $7,761 | 6.98% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 12 | $8,040,000 | $670,000 | $6,790 | 6.85% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 27 | $7,855,000 | $290,926 | $8,844 | 6.61% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 11 | $7,815,000 | $710,455 | $17,778 | 6.40% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 16 | $6,260,000 | $391,250 | $11,136 | 6.40% |
| RENO, NV (FHA|USDA|VA) | 14 | $6,200,000 | $442,857 | $10,140 | 5.82% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 8 | $5,740,000 | $717,500 | $9,061 | 7.05% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 23 | $5,465,000 | $237,609 | $7,928 | 6.98% |
| PROVO-OREM, UT (FHA|USDA|VA) | 17 | $5,315,000 | $312,647 | $11,809 | 7.45% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 16 | $5,100,000 | $318,750 | $14,114 | 7.24% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 9 | $5,025,000 | $558,333 | $7,092 | 7.11% |
| CLEVELAND, TN (FHA|USDA|VA) | 17 | $4,505,000 | $265,000 | $6,254 | 6.90% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 22 | $4,390,000 | $199,545 | $6,644 | 6.60% |
| BOISE CITY, ID (FHA|USDA|VA) | 12 | $4,130,000 | $344,167 | $8,118 | 7.15% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 13 | $3,865,000 | $297,308 | $10,662 | 6.84% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 10 | $3,610,000 | $361,000 | $10,315 | 6.76% |
| MERCED, CA (FHA|USDA|VA) | 14 | $3,390,000 | $242,143 | $9,440 | 5.23% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 6 | $3,300,000 | $550,000 | $19,984 | 6.08% |
| DALTON, GA (FHA|USDA|VA) | 10 | $2,810,000 | $281,000 | $8,150 | 6.87% |
| YUBA CITY, CA (FHA|USDA|VA) | 8 | $2,770,000 | $346,250 | $7,563 | 7.07% |
| DULUTH, MN-WI (FHA|USDA|VA) | 12 | $2,620,000 | $218,333 | $6,808 | 6.31% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 8 | $2,560,000 | $320,000 | $8,409 | 7.06% |
| KNOXVILLE, TN (FHA|USDA|VA) | 5 | $2,385,000 | $477,000 | $8,449 | 6.95% |
| STOCKTON, CA (FHA|USDA|VA) | 5 | $2,375,000 | $475,000 | $7,906 | 7.05% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 11 | $2,155,000 | $195,909 | $10,469 | 7.06% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 7 | $2,015,000 | $287,857 | $4,839 | 6.66% |
| BOULDER, CO (FHA|USDA|VA) | 5 | $1,985,000 | $397,000 | $5,332 | 6.72% |
| Hilo, HI (FHA|USDA|VA) | 3 | $1,805,000 | $601,667 | $32,922 | 6.17% |
| CHICO, CA (FHA|USDA|VA) | 5 | $1,755,000 | $351,000 | $11,223 | 6.40% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 4 | $1,500,000 | $375,000 | $9,585 | 6.40% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $1,465,000 | $1,465,000 | $12,524 | 7.00% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $1,375,000 | $1,375,000 | $4,560 | 6.75% |
| ST. GEORGE, UT (FHA|USDA|VA) | 3 | $1,365,000 | $455,000 | $7,373 | 6.63% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $1,315,000 | $1,315,000 | $7,147 | 7.38% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $1,285,000 | $1,285,000 | $13,641 | 7.50% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $1,215,000 | $405,000 | $3,567 | 7.25% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 3 | $1,165,000 | $388,333 | $4,268 | 6.46% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $1,160,000 | $580,000 | $12,433 | 7.00% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $1,120,000 | $560,000 | $6,117 | 7.44% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $9,108 | 6.50% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $1,020,000 | $510,000 | $10,299 | 6.44% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $985,000 | $985,000 | $4,268 | 7.38% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $980,000 | $490,000 | $6,036 | 7.13% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $955,000 | $955,000 | $13,912 | 6.88% |
| GREEN BAY, WI (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $7,118 | 6.71% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $5,477 | 7.25% |
| Heber, UT (FHA|USDA|VA) | 1 | $895,000 | $895,000 | $19,980 | 7.50% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $7,004 | 6.54% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $7,729 | 7.06% |
| Pahrump, NV (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $10,737 | 6.33% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $5,981 | 7.25% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $8,859 | 7.06% |
| Albertville, AL (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $11,313 | 6.33% |
| Hailey, ID (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $15,829 | 6.50% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $13,146 | 8.13% |
| Clearlake, CA (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $7,425 | 6.58% |
| TULSA, OK (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $5,736 | 6.94% |
| Sonora, CA (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $6,026 | 7.25% |
| Outside of Metro Areas | 1 | $655,000 | $655,000 | $5,453 | 6.88% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $7,054 | 6.88% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $4,109 | 6.62% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $11,495 | 6.99% |
| OCALA, FL (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $5,148 | 5.00% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $15,218 | 6.88% |
| McMinnville, TN (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $4,228 | 6.56% |
| Greeneville, TN (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $8,518 | 7.62% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $9,405 | 6.99% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $7,264 | 7.13% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $8,988 | 6.44% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $11,211 | 5.63% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $15,479 | 5.99% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $18,117 | 7.13% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $20,373 | 6.50% |
| REDDING, CA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $21,614 | 7.13% |
| MORRISTOWN, TN (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $8,254 | 7.00% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $9,205 | 7.50% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $6,202 | 7.38% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $7,554 | 7.49% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $13,639 | 6.99% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $8,967 | 7.13% |
| ROCKFORD, IL (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $6,239 | 4.96% |
| Branson, MO (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $6,465 | 6.37% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,810 | 7.25% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $9,635 | 6.49% |
| Brainerd, MN (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $4,421 | 4.83% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $11,384 | 6.63% |
| Ontario, OR-ID (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $0 | 3.75% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $6,231 | 7.13% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $5,128 | 6.38% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $12,934 | 6.63% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $0 | 7.88% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $12,120 | 6.38% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,728 | 7.49% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,209 | 6.88% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $10,600 | 7.63% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $5,994 | 4.21% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,169 | 7.63% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,914 | 6.13% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,053 | 7.13% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $13,431 | 6.75% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,278 | 6.50% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,298 | 7.63% |
| New Ulm, MN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,839 | 6.99% |
| Fernley, NV (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,899 | 6.38% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,261 | 6.99% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,758 | 6.88% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,937 | 7.63% |
| Brookings, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,419 | 6.49% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,730 | 6.63% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,481 | 6.63% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $14,949 | 5.75% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,506 | 7.38% |
| DECATUR, IL (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 3.31% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,672 | 6.63% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,923 | 5.88% |
| DANVILLE, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,753 | 6.00% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,636 | 6.99% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,410 | 6.88% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,882 | 7.38% |
| Big Stone Gap, VA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,407 | 7.49% |
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We use machine learning to identify the top lenders compared against ALAMEDA MORTGAGE CORPORATION based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2024, Alameda Mortgage Corporation's most frequently originated type of loan was Conventional, with 2,100 originations. Their 2nd most popular type was FHA, with 715 originations.
Loan Reason
For 2024, Alameda Mortgage Corporation's most frequently cited loan purpose was Home Purchase, with 2,705 originations. The 2nd most popular reason was Cash Out Refi, with 144 originations.
Loan Duration/Length
For 2024, Alameda Mortgage Corporation's most frequently cited loan duration was 30 Year, with 2,880 originations. The 2nd most popular length was 15 Year, with 57 originations.
Origination Fees/Closing Costs
Alameda Mortgage Corporation's average total fees were $10,828, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,346 originations.
Interest Rates
During 2024, Alameda Mortgage Corporation's average interest rate for loans was 6.17%, while their most frequently originated rate bucket for loans was 6-7%, with 1,534 originations.
Loan Sizing
2024 saw Alameda Mortgage Corporation place emphasis on $200k-400k loans with 1,174 originations, totaling $358,580,000 in origination value.
Applicant Income
Alameda Mortgage Corporation lent most frequently to those with incomes in the $100k-150k range, with 887 originations. The second most popular income band? $75k-100k, with 589 originations.
Applicant Debt to Income Ratio
Alameda Mortgage Corporation lent most frequently to those with DTI ratios of 30-36%, with 330 originations. The next most common DTI ratio? 50-60%, with 324 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.99%
Alameda Mortgage Corporation has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination62.81%
Alameda Mortgage Corporation has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,950 | $1,049,880,000 | $355,892 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2,950 | $1,049,880,000 | $355,892 |