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 smaller 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, Visalia, Sacramento, Hanford, and San Francisco among others. We have data for 113 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 a high 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 relatively high 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 | 6.18% | 11/17/24 |
| 30 Year Conventional Refi | 6.52% | 11/17/24 |
| 30 Year Cash-out Refi | 6.87% | 11/17/24 |
| 30 Year FHA Purchase | 7.55% | 11/17/24 |
| 30 Year FHA Refi | 7.18% | 11/17/24 |
| 30 Year VA Purchase | 6.36% | 11/17/24 |
| 30 Year VA Refi | 6.44% | 11/17/24 |
| 30 Year USDA Purchase | 6.87% | 11/17/24 |
| 15 Year Conventional Purchase | 6.30% | 11/17/24 |
| 15 Year Conventional Refi | 6.42% | 11/17/24 |
| 15 Year Cash-out Refi | 6.42% | 11/17/24 |
| 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
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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
2,471Origination Dollar Volume (All Markets)
$794,455,000Awards
ALAMEDA MORTGAGE CORPORATION - 2023
ALAMEDA MORTGAGE CORPORATION is a 2023 , due to their low .
For 2023, 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
6.21%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of -0.27%.
Relative Fees (Closing Costs)
Alameda Mortgage Corporation's average total fees/closing costs for a 30 year fixed rate
mortgage were $11,105.
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 $9,089.
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) | 771 | $228,155,000 | $295,921 | $11,957 | 5.87% |
| VISALIA, CA (FHA|USDA|VA) | 246 | $62,020,000 | $252,114 | $11,837 | 5.86% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 136 | $51,050,000 | $375,368 | $9,931 | 5.83% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 149 | $44,805,000 | $300,705 | $14,077 | 6.31% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 73 | $41,015,000 | $561,849 | $10,966 | 6.83% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 157 | $39,025,000 | $248,567 | $8,150 | 6.78% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 70 | $29,320,000 | $418,857 | $10,182 | 6.79% |
| MADERA, CA (FHA|USDA|VA) | 82 | $24,990,000 | $304,756 | $12,625 | 6.02% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 46 | $22,060,000 | $479,565 | $13,517 | 6.48% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 28 | $16,900,000 | $603,571 | $12,163 | 6.73% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 30 | $13,900,000 | $463,333 | $9,026 | 6.88% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 23 | $13,815,000 | $600,652 | $13,200 | 7.03% |
| Outside of Metro Areas | 44 | $13,420,000 | $305,000 | $9,154 | 6.64% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 46 | $12,600,000 | $273,913 | $11,381 | 5.97% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 31 | $11,885,000 | $383,387 | $10,272 | 6.88% |
| NAPA, CA (FHA|USDA|VA) | 21 | $10,565,000 | $503,095 | $8,626 | 6.56% |
| MODESTO, CA (FHA|USDA|VA) | 25 | $9,715,000 | $388,600 | $11,661 | 6.61% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 41 | $8,735,000 | $213,049 | $7,336 | 6.51% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 49 | $8,645,000 | $176,429 | $8,289 | 5.45% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 40 | $8,630,000 | $215,750 | $8,572 | 6.79% |
| VALLEJO, CA (FHA|USDA|VA) | 17 | $6,585,000 | $387,353 | $10,000 | 5.99% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 11 | $6,415,000 | $583,182 | $16,025 | 6.80% |
| STOCKTON, CA (FHA|USDA|VA) | 17 | $6,335,000 | $372,647 | $9,761 | 6.55% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 9 | $6,325,000 | $702,778 | $19,028 | 6.03% |
| RENO, NV (FHA|USDA|VA) | 13 | $6,275,000 | $482,692 | $9,757 | 5.94% |
| BOISE CITY, ID (FHA|USDA|VA) | 17 | $5,475,000 | $322,059 | $8,906 | 6.56% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 17 | $5,445,000 | $320,294 | $13,290 | 6.79% |
| MERCED, CA (FHA|USDA|VA) | 24 | $5,290,000 | $220,417 | $12,489 | 4.99% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 11 | $4,765,000 | $433,182 | $13,758 | 6.14% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 15 | $3,925,000 | $261,667 | $7,985 | 6.54% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 8 | $3,070,000 | $383,750 | $9,993 | 7.05% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 7 | $3,015,000 | $430,714 | $13,834 | 7.10% |
| DULUTH, MN-WI (FHA|USDA|VA) | 15 | $2,825,000 | $188,333 | $8,218 | 6.58% |
| YUBA CITY, CA (FHA|USDA|VA) | 7 | $2,755,000 | $393,571 | $12,429 | 7.13% |
| KNOXVILLE, TN (FHA|USDA|VA) | 11 | $2,595,000 | $235,909 | $8,110 | 6.74% |
| CLEVELAND, TN (FHA|USDA|VA) | 11 | $2,585,000 | $235,000 | $8,918 | 6.09% |
| Ukiah, CA (FHA|USDA|VA) | 4 | $2,170,000 | $542,500 | $15,715 | 6.90% |
| Greeneville, TN (FHA|USDA|VA) | 8 | $2,120,000 | $265,000 | $9,289 | 7.29% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 7 | $2,115,000 | $302,143 | $11,951 | 6.78% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 3 | $2,015,000 | $671,667 | $14,128 | 6.79% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $1,420,000 | $710,000 | $10,371 | 7.31% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $1,380,000 | $690,000 | $12,751 | 6.87% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $1,350,000 | $675,000 | $22,380 | 6.31% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $1,345,000 | $448,333 | $9,741 | 6.58% |
| DALTON, GA (FHA|USDA|VA) | 5 | $1,305,000 | $261,000 | $9,184 | 6.63% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 5 | $1,295,000 | $259,000 | $5,786 | 6.57% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 5 | $1,215,000 | $243,000 | $5,955 | 6.80% |
| TUCSON, AZ (FHA|USDA|VA) | 2 | $1,170,000 | $585,000 | $19,315 | 6.06% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $1,160,000 | $580,000 | $8,691 | 7.31% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 2 | $1,140,000 | $570,000 | $17,500 | 6.63% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $995,000 | $995,000 | $9,432 | 7.00% |
| Clearlake, CA (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $12,421 | 6.50% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $10,895 | 6.96% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $6,119 | 6.88% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $5,934 | 6.79% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $10,481 | 6.46% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $4,913 | 6.44% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $9,640 | 6.44% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $8,522 | 6.54% |
| Georgetown, SC (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $5,345 | 6.79% |
| MORRISTOWN, TN (FHA|USDA|VA) | 5 | $765,000 | $153,000 | $8,841 | 5.62% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $5,882 | 7.25% |
| Dayton, TN (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $9,635 | 6.69% |
| REDDING, CA (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $5,699 | 6.81% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $4,164 | 6.88% |
| ROCHESTER, MN (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $6,039 | 6.68% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $14,165 | 6.63% |
| Astoria, OR (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $18,016 | 7.49% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $9,189 | 7.19% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $7,795 | 7.31% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $21,977 | 6.63% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $11,654 | 7.00% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $5,411 | 6.25% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $9,416 | 6.88% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $13,845 | 6.63% |
| Red Bluff, CA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $7,537 | 6.62% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $28,253 | 6.25% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $14,332 | 6.99% |
| Sonora, CA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $9,400 | 6.56% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $8,090 | 7.94% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $12,041 | 8.33% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $14,137 | 6.75% |
| Crescent City, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 6.50% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $7,949 | 6.88% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $12,742 | 6.75% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,636 | 8.13% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $11,951 | 5.75% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $12,370 | 6.50% |
| Newport, OR (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $8,550 | 7.50% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $7,332 | 7.50% |
| Big Stone Gap, VA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $9,278 | 6.81% |
| Granbury, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,847 | 7.49% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $10,307 | 7.25% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,003 | 5.88% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,789 | 8.13% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 6.99% |
| Durango, CO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,604 | 7.38% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $11,760 | 5.88% |
| Athens, TN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,772 | 7.25% |
| Crossville, TN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,709 | 6.75% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $12,323 | 6.25% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,566 | 6.99% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,712 | 7.50% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,615 | 6.13% |
| Fallon, NV (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,101 | 6.50% |
| OCALA, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,444 | 7.13% |
| Fernley, NV (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 6.99% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 3.81% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,015 | 7.13% |
| RACINE, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,369 | 7.63% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,360 | 6.13% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,599 | 7.88% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,242 | 7.38% |
Similar Lenders
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 2023, Alameda Mortgage Corporation's most frequently originated type of loan was Conventional, with 1,782 originations. Their 2nd most popular type was FHA, with 558 originations.
Loan Reason
For 2023, Alameda Mortgage Corporation's most frequently cited loan purpose was Home Purchase, with 2,287 originations. The 2nd most popular reason was Cash Out Refi, with 132 originations.
Loan Duration/Length
For 2023, Alameda Mortgage Corporation's most frequently cited loan duration was 30 Year, with 2,391 originations. The 2nd most popular length was 15 Year, with 61 originations.
Origination Fees/Closing Costs
Alameda Mortgage Corporation's average total fees were $11,105, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,286 originations.
Interest Rates
During 2023, Alameda Mortgage Corporation's average interest rate for loans was 6.21%, while their most frequently originated rate bucket for loans was 6-7%, with 1,151 originations.
Loan Sizing
2023 saw Alameda Mortgage Corporation place emphasis on $200k-400k loans with 1,146 originations, totaling $348,890,000 in origination value.
Applicant Income
Alameda Mortgage Corporation lent most frequently to those with incomes in the $100k-150k range, with 701 originations. The second most popular income band? $75k-100k, with 556 originations.
Applicant Debt to Income Ratio
Alameda Mortgage Corporation lent most frequently to those with DTI ratios of 30-36%, with 279 originations. The next most common DTI ratio? 50-60%, with 247 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.83%
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 origination64.75%
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 | 2,471 | $794,455,000 | $321,512 |