Alameda Mortgage Corporation Rates, Fees & Info

SANTA ROSA, CA

LEI: 5493000OM9RKJW8W5K82

Tax ID: 94-2229242

2.2 stars - Updated: 2/25/24 - out of 5 stars, based on 50 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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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, Sacramento, San Francisco, Madera, and Los Angeles among others. We have data for 103 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 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.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.18% 2/25/24
30 Year Conventional Refi 6.52% 2/25/24
30 Year Cash-out Refi 6.87% 2/25/24
30 Year FHA Purchase 7.55% 2/25/24
30 Year FHA Refi 7.18% 2/25/24
30 Year VA Purchase 6.36% 2/25/24
30 Year VA Refi 6.44% 2/25/24
30 Year USDA Purchase 6.87% 2/25/24
15 Year Conventional Purchase 6.30% 2/25/24
15 Year Conventional Refi 6.42% 2/25/24
15 Year Cash-out Refi 6.42% 2/25/24
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






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

2,481

Origination Dollar Volume (All Markets)

$841,605,000

Awards

ALAMEDA MORTGAGE CORPORATION FHA Loans silver
Show all (1) awards

Relative Rate

Alameda Mortgage Corporation's average 30 year fixed mortgage rate was 4.78%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.02%.

Relative Fees (Closing Costs)

Alameda Mortgage Corporation's average total fees/closing costs for a 30 year fixed rate mortgage were $9,214.

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 $4,750.

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) 1,067 $316,975,000 $297,071 $8,986 4.56%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 196 $71,110,000 $362,806 $8,497 4.28%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 109 $59,865,000 $549,220 $9,494 4.83%
MADERA, CA (FHA|USDA|VA) 166 $54,840,000 $330,361 $9,819 4.51%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 87 $45,845,000 $526,954 $10,488 4.34%
VISALIA, CA (FHA|USDA|VA) 160 $34,380,000 $214,875 $8,838 3.98%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 54 $29,240,000 $541,481 $9,620 4.58%
STOCKTON, CA (FHA|USDA|VA) 52 $19,510,000 $375,192 $9,106 4.58%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 48 $18,780,000 $391,250 $9,129 6.10%
MODESTO, CA (FHA|USDA|VA) 36 $12,810,000 $355,833 $9,604 4.77%
RENO, NV (FHA|USDA|VA) 17 $12,165,000 $715,588 $8,961 6.05%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 39 $11,275,000 $289,103 $8,158 5.93%
VALLEJO, CA (FHA|USDA|VA) 22 $11,230,000 $510,455 $10,604 4.84%
BAKERSFIELD, CA (FHA|USDA|VA) 41 $10,895,000 $265,732 $8,794 4.76%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 18 $9,630,000 $535,000 $10,772 4.66%
Outside of Metro Areas 32 $9,160,000 $286,250 $7,698 5.10%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 21 $8,115,000 $386,429 $8,395 5.95%
MERCED, CA (FHA|USDA|VA) 24 $7,320,000 $305,000 $7,125 3.95%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 27 $6,325,000 $234,259 $6,336 6.59%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 15 $6,135,000 $409,000 $9,005 5.04%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 12 $5,650,000 $470,833 $12,149 5.43%
BOISE CITY, ID (FHA|USDA|VA) 13 $5,345,000 $411,154 $7,615 5.64%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 27 $5,085,000 $188,333 $9,066 3.87%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 10 $4,000,000 $400,000 $12,353 3.80%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 8 $3,760,000 $470,000 $8,915 5.02%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 7 $3,745,000 $535,000 $13,318 5.18%
YUBA CITY, CA (FHA|USDA|VA) 10 $3,700,000 $370,000 $10,383 5.52%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 11 $3,425,000 $311,364 $9,205 5.69%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 7 $3,015,000 $430,714 $10,025 5.12%
Truckee-Grass Valley, CA (FHA|USDA|VA) 7 $3,015,000 $430,714 $8,533 5.41%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 5 $2,695,000 $539,000 $8,162 5.52%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 6 $2,300,000 $383,333 $6,997 4.21%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 4 $1,830,000 $457,500 $9,355 4.53%
PORT ST. LUCIE, FL (FHA|USDA|VA) 4 $1,750,000 $437,500 $14,753 4.81%
Ukiah, CA (FHA|USDA|VA) 4 $1,700,000 $425,000 $5,715 5.15%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 4 $1,700,000 $425,000 $10,168 4.78%
Gardnerville Ranchos, NV (FHA|USDA|VA) 3 $1,555,000 $518,333 $13,699 6.16%
ROCHESTER, MN (FHA|USDA|VA) 7 $1,545,000 $220,714 $8,150 5.80%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 3 $1,425,000 $475,000 $6,958 5.63%
SALT LAKE CITY, UT (FHA|USDA|VA) 4 $1,340,000 $335,000 $10,216 5.19%
CHICO, CA (FHA|USDA|VA) 3 $1,295,000 $431,667 $7,162 5.21%
FARGO, ND-MN (FHA|USDA|VA) 6 $1,150,000 $191,667 $8,617 6.10%
PANAMA CITY, FL (FHA|USDA|VA) 3 $1,065,000 $355,000 $12,643 6.20%
DULUTH, MN-WI (FHA|USDA|VA) 7 $1,065,000 $152,143 $6,674 6.37%
CARSON CITY, NV (FHA|USDA|VA) 2 $1,030,000 $515,000 $4,278 6.25%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 2 $980,000 $490,000 $5,124 5.50%
Payson, AZ (FHA|USDA|VA) 1 $935,000 $935,000 $16,050 6.25%
Sonora, CA (FHA|USDA|VA) 2 $800,000 $400,000 $11,976 5.44%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 3 $745,000 $248,333 $3,956 6.04%
EAU CLAIRE, WI (FHA|USDA|VA) 3 $725,000 $241,667 $8,358 6.25%
ST. GEORGE, UT (FHA|USDA|VA) 1 $645,000 $645,000 $6,216 5.00%
CLEVELAND, TN (FHA|USDA|VA) 3 $635,000 $211,667 $7,488 6.92%
Cedar City, UT (FHA|USDA|VA) 1 $605,000 $605,000 $15,103 4.50%
SALINAS, CA (FHA|USDA|VA) 1 $535,000 $535,000 $13,681 3.13%
NAPA, CA (FHA|USDA|VA) 1 $525,000 $525,000 $9,061 6.13%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $515,000 $515,000 $6,370 5.88%
Stephenville, TX (FHA|USDA|VA) 1 $505,000 $505,000 $12,563 5.63%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $505,000 $505,000 $5,050 5.99%
EL PASO, TX (FHA|USDA|VA) 2 $480,000 $240,000 $8,543 5.06%
Gainesville, TX (FHA|USDA|VA) 1 $475,000 $475,000 $11,901 2.99%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $465,000 $465,000 $17,373 4.75%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $460,000 $230,000 $6,351 4.56%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $455,000 $455,000 $14,740 4.50%
TUCSON, AZ (FHA|USDA|VA) 1 $425,000 $425,000 $21,808 6.75%
Heber, UT (FHA|USDA|VA) 1 $425,000 $425,000 $6,012 6.00%
Georgetown, SC (FHA|USDA|VA) 1 $425,000 $425,000 $4,160 7.38%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $415,000 $415,000 $23,700 5.99%
PROVO-OREM, UT (FHA|USDA|VA) 1 $415,000 $415,000 $15,251 7.25%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $405,000 $405,000 $10,858 3.38%
Red Bluff, CA (FHA|USDA|VA) 1 $405,000 $405,000 $4,487 6.13%
Susanville, CA (FHA|USDA|VA) 2 $390,000 $195,000 $10,583 5.06%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $390,000 $195,000 $6,730 5.44%
Kalispell, MT (FHA|USDA|VA) 1 $385,000 $385,000 $4,472 4.38%
Menomonie, WI (FHA|USDA|VA) 2 $380,000 $190,000 $6,778 5.81%
Athens, TN (FHA|USDA|VA) 2 $370,000 $185,000 $7,663 6.81%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $355,000 $355,000 $8,066 4.88%
Owatonna, MN (FHA|USDA|VA) 1 $325,000 $325,000 $8,701 5.88%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $315,000 $315,000 $13,631 7.13%
WACO, TX (FHA|USDA|VA) 1 $295,000 $295,000 $5,181 3.25%
KNOXVILLE, TN (FHA|USDA|VA) 1 $275,000 $275,000 $9,432 7.13%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $265,000 $265,000 $7,287 5.00%
Fernley, NV (FHA|USDA|VA) 1 $265,000 $265,000 $6,816 5.99%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $255,000 $255,000 $7,021 5.00%
GREELEY, CO (FHA|USDA|VA) 1 $255,000 $255,000 $3,652 6.63%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $255,000 $255,000 $3,857 6.63%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $245,000 $245,000 $10,117 6.00%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $235,000 $235,000 $6,891 6.63%
ST. CLOUD, MN (FHA|USDA|VA) 1 $235,000 $235,000 $6,177 6.99%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $215,000 $215,000 $4,016 6.50%
MEDFORD, OR (FHA|USDA|VA) 1 $205,000 $205,000 $11,033 3.25%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $205,000 $205,000 $5,080 5.13%
OCALA, FL (FHA|USDA|VA) 1 $205,000 $205,000 $4,524 4.25%
Roseburg, OR (FHA|USDA|VA) 1 $205,000 $205,000 $6,599 5.25%
Winona, MN (FHA|USDA|VA) 1 $185,000 $185,000 $5,665 5.38%
Clearlake, CA (FHA|USDA|VA) 1 $185,000 $185,000 $7,955 5.99%
MUNCIE, IN (FHA|USDA|VA) 2 $180,000 $90,000 $4,589 4.56%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $155,000 $155,000 $6,182 5.88%
LONGVIEW, TX (FHA|USDA|VA) 1 $155,000 $155,000 $4,567 3.88%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $135,000 $135,000 $3,434 6.13%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $125,000 $125,000 $4,608 5.38%
Minot, ND (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.88%
Wahpeton, ND-MN (FHA|USDA|VA) 1 $85,000 $85,000 $3,469 5.75%
PEORIA, IL (FHA|USDA|VA) 1 $75,000 $75,000 $3,655 3.38%
Alameda Mortgage Corporation's top markets include Fresno, Sacramento, San Francisco, Madera, and Los Angeles among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,983 $665,975,000 $335,842 $7,885 4.58%
    FHA 381 $125,555,000 $329,541 $13,864 5.20%
    VA 113 $48,985,000 $433,496 $13,879 4.71%
    USDA 4 $1,090,000 $272,500 $9,463 4.66%

    For 2022, Alameda Mortgage Corporation's most frequently originated type of loan was Conventional, with 1,983 originations. Their 2nd most popular type was FHA, with 381 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,959 $667,605,000 $340,789 $9,752 4.74%
    Cash Out Refi 395 $131,735,000 $333,506 $7,412 4.55%
    Refi 119 $38,815,000 $326,176 $5,917 4.14%
    Home Improvement 8 $3,450,000 $431,250 $8,051 5.52%

    For 2022, Alameda Mortgage Corporation's most frequently cited loan purpose was Home Purchase, with 1,959 originations. The 2nd most popular reason was Cash Out Refi, with 395 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,353 $815,965,000 $346,776 $9,214 4.78%
    15 Year 61 $18,245,000 $299,098 $6,298 3.97%
    Other 44 $2,180,000 $49,545 $3,736 0.27%
    20 Year 18 $4,630,000 $257,222 $5,168 4.32%
    10 Year 5 $585,000 $117,000 $3,934 4.53%

    For 2022, Alameda Mortgage Corporation's most frequently cited loan duration was 30 Year, with 2,353 originations. The 2nd most popular length was 15 Year, with 61 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 959 $391,105,000 $407,826
    $1k-2k 510 $205,850,000 $403,627
    $2k-3k 260 $83,010,000 $319,269
    $3k-4k 258 $79,170,000 $306,860
    $<1k 249 $7,725,000 $31,024
    $4k-5k 212 $67,160,000 $316,792

    Alameda Mortgage Corporation's average total fees were $9,214, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 959 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 694 $262,750,000 $378,602
    4-5% 539 $200,235,000 $371,494
    3-4% 474 $183,520,000 $387,173
    6-7% 391 $138,275,000 $353,645
    <2.5% 239 $5,665,000 $23,703
    7-8% 98 $34,560,000 $352,653
    2.5-3% 44 $16,050,000 $364,773
    Over 8% 2 $550,000 $275,000

    During 2022, Alameda Mortgage Corporation's average interest rate for loans was 4.78%, while their most frequently originated rate bucket for loans was 5-6%, with 694 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,164 $350,130,000 $300,799 $8,611 5.17%
    $400k-600k 581 $276,155,000 $475,310 $10,209 5.02%
    $100,000 or less 268 $5,660,000 $21,119 $4,284 1.09%
    $100k-200k 243 $38,165,000 $157,058 $5,819 5.16%
    $600k-1MM 207 $146,975,000 $710,024 $11,919 5.06%
    $1MM+ 18 $24,520,000 $1,362,222 $16,158 4.61%

    2022 saw Alameda Mortgage Corporation place emphasis on $200k-400k loans with 1,164 originations, totaling $350,130,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 628 $233,640,000 $372,038 $9,739 4.74%
    $75k-100k 557 $165,095,000 $296,400 $9,315 4.53%
    $50k-75k 533 $118,375,000 $222,092 $7,992 4.31%
    $150k-250k 357 $169,375,000 $474,440 $10,020 5.23%
    $250k+ 200 $115,750,000 $578,750 $9,346 5.26%
    $50k or less 184 $29,850,000 $162,228 $6,505 4.36%

    Alameda Mortgage Corporation lent most frequently to those with incomes in the $100k-150k range, with 628 originations. The second most popular income band? $75k-100k, with 557 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 280 $104,810,000 $374,321 $8,112 4.87%
    44% 232 $65,650,000 $282,974 $9,108 4.06%
    20-30% 213 $70,045,000 $328,850 $7,469 4.81%
    49% 191 $68,695,000 $359,660 $9,849 5.07%
    43% 162 $44,780,000 $276,420 $8,406 4.30%
    42% 162 $49,600,000 $306,173 $7,841 4.27%
    50-60% 151 $54,405,000 $360,298 $13,998 5.09%
    48% 145 $51,775,000 $357,069 $9,790 4.67%
    41% 118 $38,730,000 $328,220 $7,853 4.58%
    45% 114 $43,480,000 $381,404 $8,830 5.20%
    46% 106 $37,340,000 $352,264 $9,196 4.65%
    39% 104 $34,550,000 $332,212 $8,518 4.86%
    40% 103 $42,125,000 $408,981 $9,518 4.61%
    47% 102 $34,790,000 $341,078 $9,775 4.66%
    38% 82 $28,470,000 $347,195 $9,379 4.45%
    <20% 75 $23,935,000 $319,133 $7,038 4.97%
    36% 75 $23,705,000 $316,067 $9,257 4.48%
    37% 58 $21,990,000 $379,138 $9,838 4.99%
    >60% 4 $1,410,000 $352,500 $13,771 5.38%

    Alameda Mortgage Corporation lent most frequently to those with DTI ratios of 30-36%, with 280 originations. The next most common DTI ratio? 44%, with 232 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,506 $504,060,000 $334,701 $9,035 4.69%
    Not provided 576 $184,950,000 $321,094 $9,152 4.61%
    Asian 274 $108,990,000 $397,774 $8,198 4.90%
    Black 98 $34,390,000 $350,918 $12,043 4.35%
    American Indian 22 $6,680,000 $303,636 $10,413 4.52%
    Native Hawaiian or Islander 4 $1,620,000 $405,000 $14,234 5.22%
    Asian Indian 1 $915,000 $915,000 $6,509 5.75%

    Approval Rates

    Total approvals of all applications
    93.08%

    Alameda Mortgage Corporation has an average approval rate.

    Pick Rate

    Approvals leading to origination
    65.54%

    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 2,481 $841,605,000 $339,220

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,481 $841,605,000 $339,220

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 101 $21,445,000 $212,327 $5,707 4.93%
    40-60% 277 $89,405,000 $322,762 $6,643 4.71%
    60-80% 652 $259,510,000 $398,021 $8,572 5.07%
    80-100% 1,165 $449,865,000 $386,150 $10,055 5.26%
    Over 100% 31 $14,955,000 $482,419 $22,813 5.05%
    Under 20% 251 $5,105,000 $20,339 $4,306 0.80%