Fremont Bank Mortgage Rates, Fees & Info
Fremont, CALEI: 5493006F1N8E3EEF3W63
Tax ID: 94-1569025
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Bank Data
Review & Overview
Fremont Bank is a mid-sized bank specializing in Refi and Cash Out Refi loans. Fremont Bank has a high proportion of conventional loans. Their top markets by origination volume include: San Francisco, San Jose, Los Angeles, Sacramento, and Stockton among others. We have data for 39 markets. (Some data included below & more in-depth data is available with an active subscription.)Fremont Bank 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. Fremont Bank is typically a low fee lender. They typically have about average rates.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 5.68% | 8/7/22 |
| 30 Year Conventional Refi | 5.49% | 8/7/22 |
| 30 Year Cash-out Refi | 5.57% | 8/7/22 |
| 30 Year FHA Purchase | 7.36% | 8/7/22 |
| 30 Year FHA Refi | 5.30% | 8/7/22 |
| 15 Year Conventional Purchase | 4.35% | 8/7/22 |
| 15 Year Conventional Refi | 4.50% | 8/7/22 |
| 15 Year Cash-out Refi | 4.50% | 8/7/22 |
| 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. | ||
Originations
14,361Origination Dollar Volume (All Markets)
$5,237,725,000Employee count
934Awards
Fremont Bank - 2021
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For 2021, less than of lenders were eligible for this award.
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Relative Rate
Fremont Bank's average 30 year fixed rate mortgage of loans were
3.46%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of 0.31%.
Relative Fees
Fremont Bank's average total fees for a 30 year fixed rate
mortgage are $2,283.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $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 |
|---|---|---|---|---|---|
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) » | 7,311 | $2,657,865,000 | $363,543 | $1,478 | 3.28% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) » | 1,633 | $662,185,000 | $405,502 | $1,676 | 3.34% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) » | 1,262 | $604,500,000 | $479,002 | $4,975 | 3.28% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) » | 774 | $216,310,000 | $279,470 | $1,349 | 3.16% |
| STOCKTON, CA (FHA|USDA|VA) » | 549 | $141,755,000 | $258,206 | $868 | 3.28% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) » | 265 | $100,635,000 | $379,755 | $2,481 | 3.20% |
| SALINAS, CA (FHA|USDA|VA) » | 275 | $97,875,000 | $355,909 | $1,373 | 3.30% |
| VALLEJO, CA (FHA|USDA|VA) » | 304 | $95,640,000 | $314,605 | $1,170 | 3.17% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) » | 221 | $93,885,000 | $424,819 | $2,817 | 3.02% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) » | 183 | $79,475,000 | $434,290 | $3,293 | 3.24% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) » | 221 | $75,025,000 | $339,480 | $3,040 | 3.29% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) » | 182 | $74,500,000 | $409,341 | $1,732 | 3.25% |
| MODESTO, CA (FHA|USDA|VA) » | 210 | $47,350,000 | $225,476 | $764 | 3.05% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) » | 101 | $45,235,000 | $447,871 | $4,233 | 3.29% |
| Outside of Metro Areas | 163 | $42,415,000 | $260,215 | $1,709 | 3.15% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) » | 93 | $33,855,000 | $364,032 | $2,260 | 3.09% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) » | 78 | $27,720,000 | $355,385 | $2,891 | 3.02% |
| NAPA, CA (FHA|USDA|VA) » | 72 | $26,180,000 | $363,611 | $1,522 | 3.31% |
| FRESNO, CA (FHA|USDA|VA) » | 86 | $21,760,000 | $253,023 | $2,646 | 2.95% |
| CHICO, CA (FHA|USDA|VA) » | 67 | $13,955,000 | $208,284 | $880 | 3.05% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) » | 36 | $9,160,000 | $254,444 | $591 | 2.98% |
| MERCED, CA (FHA|USDA|VA) » | 38 | $8,820,000 | $232,105 | $1,350 | 3.06% |
| RENO, NV (FHA|USDA|VA) » | 30 | $8,810,000 | $293,667 | $544 | 3.03% |
| Sonora, CA (FHA|USDA|VA) » | 35 | $8,005,000 | $228,714 | $1,414 | 3.02% |
| YUBA CITY, CA (FHA|USDA|VA) » | 24 | $6,480,000 | $270,000 | $1,641 | 3.39% |
| REDDING, CA (FHA|USDA|VA) » | 27 | $6,345,000 | $235,000 | $1,414 | 3.03% |
| BAKERSFIELD, CA (FHA|USDA|VA) » | 23 | $5,305,000 | $230,652 | $1,663 | 3.00% |
| Ukiah, CA (FHA|USDA|VA) » | 18 | $5,150,000 | $286,111 | $924 | 2.94% |
| MADERA, CA (FHA|USDA|VA) » | 17 | $3,995,000 | $235,000 | $1,353 | 2.95% |
| VISALIA, CA (FHA|USDA|VA) » | 10 | $3,640,000 | $364,000 | $1,029 | 2.94% |
| Clearlake, CA (FHA|USDA|VA) » | 11 | $2,865,000 | $260,455 | $551 | 3.32% |
| Red Bluff, CA (FHA|USDA|VA) » | 9 | $2,495,000 | $277,222 | $1,776 | 3.21% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) » | 9 | $1,975,000 | $219,444 | $498 | 3.15% |
| JACKSONVILLE, FL (FHA|USDA|VA) » | 3 | $1,935,000 | $645,000 | $495 | 4.50% |
| Eureka-Arcata, CA (FHA|USDA|VA) » | 7 | $1,405,000 | $200,714 | $1,122 | 3.39% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) » | 5 | $1,255,000 | $251,000 | $1,633 | 2.95% |
| CARSON CITY, NV (FHA|USDA|VA) » | 4 | $930,000 | $232,500 | $495 | 3.31% |
| Fernley, NV (FHA|USDA|VA) » | 2 | $680,000 | $340,000 | $509 | 3.25% |
| Susanville, CA (FHA|USDA|VA) » | 3 | $355,000 | $118,333 | $1,591 | 3.17% |
Fremont Bank's top markets include San Francisco, San Jose, Los Angeles, Sacramento, and Stockton among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional » | 14,361 | $5,237,725,000 | $364,719 | $1,861 | 3.26% |
For the 2021 period, Fremont Bank's most frequently originated loan type of loans were Conventional, with 14,361 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Refi » | 7,835 | $2,794,035,000 | $356,609 | $1,355 | 2.91% |
| Cash Out Refi » | 3,152 | $1,275,830,000 | $404,768 | $2,114 | 3.07% |
| Other » | 1,386 | $312,870,000 | $225,736 | $2,189 | 4.56% |
| Home Purchase » | 1,098 | $675,630,000 | $615,328 | $5,348 | 3.38% |
| Home Improvement » | 890 | $179,360,000 | $201,528 | $1,150 | 4.82% |
For the 2021, Fremont Bank's most frequently cited loan purpose of loans were Refi, with 7,835 originations. The 2nd most popular reason of loans were Cash Out Refi, with 3,152 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year » | 10,562 | $4,220,850,000 | $399,626 | $2,283 | 3.46% |
| 15 Year » | 2,555 | $703,685,000 | $275,415 | $1,013 | 2.58% |
| 10 Year » | 686 | $147,040,000 | $214,344 | $578 | 2.30% |
| 20 Year » | 279 | $90,935,000 | $325,932 | $1,147 | 2.93% |
| Other » | 275 | $72,035,000 | $261,945 | $0 | 4.70% |
| 5 Year » | 4 | $3,180,000 | $795,000 | $0 | 3.94% |
For the 2021, Fremont Bank's most frequently cited loan length of loans were 30 Year, with 10,562 originations. The 2nd most popular length of loans were 15 Year, with 2,555 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k » | 9,113 | $3,261,875,000 | $357,936 |
| $1k-2k » | 628 | $318,850,000 | $507,723 |
| $5k+ » | 513 | $397,705,000 | $775,253 |
| $2k-3k » | 233 | $119,245,000 | $511,781 |
| $3k-4k » | 153 | $78,615,000 | $513,824 |
| $4k-5k » | 119 | $64,675,000 | $543,487 |
$2,283 of loans were Fremont Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 9,113 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% » | 5,609 | $2,153,655,000 | $383,964 |
| 3-4% » | 4,356 | $1,935,110,000 | $444,240 |
| 4-5% » | 2,372 | $557,810,000 | $235,164 |
| <2.5% » | 1,768 | $545,190,000 | $308,365 |
| 5-6% » | 138 | $24,790,000 | $179,638 |
| 6-7% » | 79 | $13,625,000 | $172,468 |
| 7-8% » | 39 | $7,545,000 | $193,462 |
During 2021, Fremont Bank's average interest rate of loans were 3.46%, while their most frequently originated rate bucket of loans were 2.5-3%, with 5,609 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k » | 5,836 | $1,688,730,000 | $289,364 | $1,140 | 3.14% |
| $400k-600k » | 3,430 | $1,660,650,000 | $484,155 | $2,110 | 3.15% |
| $100k-200k » | 2,938 | $426,540,000 | $145,180 | $656 | 3.36% |
| $600k-1MM » | 1,223 | $908,915,000 | $743,185 | $4,765 | 3.15% |
| $100,000 or less » | 600 | $36,290,000 | $60,483 | $1,571 | 4.76% |
| $1MM+ » | 334 | $516,600,000 | $1,546,707 | $8,528 | 3.30% |
2021 saw Fremont Bank place emphasis on $200k-400k loans with 5,836 originations, totaling $1,688,730,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $150k-250k » | 3,912 | $1,542,000,000 | $394,172 | $2,292 | 3.34% |
| $100k-150k » | 3,718 | $1,220,450,000 | $328,254 | $1,606 | 3.21% |
| $250k+ » | 2,195 | $1,276,655,000 | $581,620 | $3,655 | 3.47% |
| $75k-100k » | 2,103 | $589,345,000 | $280,240 | $1,295 | 3.11% |
| $50k-75k » | 1,693 | $394,705,000 | $233,139 | $1,078 | 3.12% |
| $50k or less » | 570 | $97,430,000 | $170,930 | $863 | 3.17% |
Fremont Bank lent most frequently to those with incomes in the $150k-250k range, with 3,912 originations. The second most popular income band? $100k-150k, with 3,718 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% » | 3,390 | $1,184,920,000 | $349,534 | $1,522 | 3.04% |
| 30-36% » | 2,510 | $963,470,000 | $383,853 | $1,831 | 3.21% |
| <20% » | 1,596 | $529,910,000 | $332,024 | $1,318 | 2.96% |
| 49% » | 669 | $205,495,000 | $307,167 | $2,024 | 3.78% |
| 42% » | 503 | $217,755,000 | $432,913 | $3,040 | 3.33% |
| 48% » | 499 | $152,485,000 | $305,581 | $1,762 | 3.66% |
| 44% » | 483 | $183,305,000 | $379,513 | $2,298 | 3.33% |
| 39% » | 470 | $186,920,000 | $397,702 | $2,285 | 3.34% |
| 41% » | 462 | $171,290,000 | $370,758 | $2,575 | 3.39% |
| 36% » | 458 | $171,370,000 | $374,170 | $1,996 | 3.24% |
| 40% » | 452 | $182,160,000 | $403,009 | $2,528 | 3.28% |
| 47% » | 441 | $154,605,000 | $350,578 | $2,188 | 3.54% |
| 37% » | 438 | $170,260,000 | $388,721 | $2,247 | 3.23% |
| 46% » | 433 | $157,555,000 | $363,868 | $2,187 | 3.44% |
| 38% » | 427 | $174,955,000 | $409,731 | $2,004 | 3.36% |
| 43% » | 426 | $156,900,000 | $368,310 | $2,116 | 3.40% |
| 45% » | 421 | $153,025,000 | $363,480 | $2,226 | 3.38% |
| 50-60% » | 228 | $49,920,000 | $218,947 | $2,018 | 4.54% |
| >60% » | 18 | $4,750,000 | $263,889 | $721 | 4.52% |
Fremont Bank lent most frequently to those with DTI ratios of 20-30%, with 3,390 originations. The next most common DTI ratio? 30-36%, with 2,510 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White » | 6,209 | $2,327,645,000 | $374,882 | $2,276 | 3.26% |
| Not provided » | 5,065 | $1,737,365,000 | $343,014 | $1,462 | 3.22% |
| Asian » | 2,677 | $982,495,000 | $367,013 | $1,589 | 3.32% |
| Black » | 235 | $85,195,000 | $362,532 | $2,618 | 3.35% |
| Not applicable » | 30 | $57,550,000 | $1,918,333 | $0 | 3.74% |
| American Indian » | 75 | $23,115,000 | $308,200 | $1,989 | 3.29% |
| Native Hawaiian or Islander » | 52 | $16,660,000 | $320,385 | $1,632 | 3.12% |
| Filipino » | 6 | $2,720,000 | $453,333 | $3,100 | 3.12% |
| Other Asian » | 2 | $2,400,000 | $1,200,000 | $0 | 4.40% |
| Asian Indian » | 3 | $1,205,000 | $401,667 | $620 | 3.32% |
| Chinese » | 5 | $705,000 | $141,000 | $620 | 3.70% |
| » | 1 | $525,000 | $525,000 | $495 | 3.25% |
| Other Pacific Islander » | 1 | $145,000 | $145,000 | $495 | 3.12% |
Approval Rates
Total approvals of all applications93.00%
Fremont Bank has an average approval rate.
Pick Rate
Approvals leading to origination86.18%
Fremont Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 14,361 | $5,237,725,000 | $364,719 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| » | 14,361 | $5,237,725,000 | $364,719 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% » | 4,792 | $1,529,370,000 | $319,151 | $1,126 | 3.13% |
| 40-60% » | 3,749 | $1,693,705,000 | $451,775 | $1,885 | 3.00% |
| 60-80% » | 2,027 | $1,203,325,000 | $593,648 | $3,754 | 3.14% |
| 80-100% » | 345 | $191,235,000 | $554,304 | $4,729 | 3.10% |
| Over 100% » | 1 | $855,000 | $855,000 | $0 | 3.90% |
| Under 20% » | 3,447 | $619,235,000 | $179,645 | $798 | 3.81% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Fremont Bank | 1480 East 14th Street San Leandro, CA 94577 | Full Service B&M | $720,480 |
| Fremont Bank | 3549 Castro Valley Boulevard Castro Valley, CA 94546 | Full Service B&M | $102,248 |
| Fremont Bank | 3866 Fallon Road Dublin, CA 94568 | Full Service B&M | $136,300 |
| Fremont Bank | 39005 Fremont Hub, Suite 341 Fremont, CA 94538 | Full Service B&M | $0 |
| Fremont Bank | 39005 Fremont Hub, Suite 341 Fremont, CA 94538 | Full Service B&M | $1,032,902 |
| Fremont Bank | 3909a Decoto Road Fremont, CA 94536 | Full Service B&M | $220,430 |
| Fremont Bank | 40031 Mission Boulevard Fremont, CA 94539 | Full Service B&M | $123,329 |
| Fremont Bank | 46635 Mission Boulevard Fremont, CA 94539 | Full Service B&M | $189,133 |
| Fremont Bank | 565 San Antonio Road, Suite 21 Mountain View, CA 94040 | Full Service B&M | $35,651 |
| Fremont Bank | 5829 Jarvis Avenue, Suite C Newark, CA 94560 | Full Service B&M | $61,229 |
| Fremont Bank | 6300 College Avenue, Suite 160 Oakland, CA 94618 | Full Service B&M | $63,083 |
| Fremont Bank | 6654 Koll Center Parkway, Suite 345 Pleasanton, CA 94566 | Full Service B&M | $330,802 |
| Fremont Bank | 160 West Santa Clara St - Suite 100 San Jose, CA 95113 | Full Service B&M | $224,468 |
| Fremont Bank | 1679 Industrial Parkway West Hayward, CA 94544 | Full Service B&M | $208,456 |
| Fremont Bank | 1735 N. Broadway Walnut Creek, CA 94596 | Full Service B&M | $417,099 |
| Fremont Bank | 1879 Holmes Street Livermore, CA 94550 | Full Service B&M | $197,786 |
| Fremont Bank | 200 Sand Creek Road - Suite F Brentwood, CA 94513 | Full Service B&M | $55,975 |
| Fremont Bank | 200 Townsend Street San Francisco, CA 94105 | Full Service B&M | $182,981 |
| Fremont Bank | 210 Railroad Avenue Danville, CA 94526 | Full Service B&M | $346,749 |
| Fremont Bank | 21001 San Ramon Valley Blvd,suite D3 San Ramon, CA 94583 | Full Service B&M | $70,096 |
| Fremont Bank | 25151 Clawiter Rd Hayward, CA 94545 | Full Service Cyber Office | $35,146 |
| Fremont Bank | 26356 Carmel Rancho Lane Carmel, CA 93923 | Full Service B&M | $69,195 |
| Fremont Bank | 32000 Alvarado Boulevard Union City, CA 94587 | Full Service B&M | $181,894 |
For 2021, Fremont Bank had 23 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $159,895 |
| Net interest income | $155,895 |
| Total noninterest income | $114,026 |
| Gross Fiduciary activities income | $3,302 |
| Service charges on deposit accounts | $4,224 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $106,500 |
| Pre-tax net operating income | $70,621 |
| Securities gains (or losses, -) | $-339 |
| Income before extraordinary items | $67,848 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $67,848 |
| Minority interest net income | $0 |
| Net income | $67,848 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $68,176 |
Fremont Bank's gross interest income from loans was $159,895,000.
Fremont Bank's net interest income from loans was $155,895,000.
Fremont Bank's fee based income from loans was $4,224,000.
Fremont Bank's net income from loans was $67,848,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $4,000 |
| Provision for credit losses | $4,214 |
| Total noninterest expense | $195,086 |
| Salaries and employee benefits | $120,031 |
| Premises and equipment expense | $17,861 |
| Additional noninterest expense | $57,194 |
| Applicable income taxes | $2,434 |
| Net charge-offs | $-574 |
| Cash dividends | $38,021 |
Fremont Bank's interest expense for loans was $4,000,000.
Fremont Bank's payroll and benefits expense were $120,031,000.
Fremont Bank's property, plant and equipment expenses $17,861,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 3.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $5,071,527 |
| Deposits held in domestic offices | $5,071,527 |
| Deposits by Individuals, partnerships, and corporations | $5,013,484 |
| Deposits by U.S. Government | $1 |
| Deposits by States and political subdivisions in the U.S. | $57,712 |
| Deposits by Commercial banks and other depository institutions in U.S. | $330 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $893,757 |
| Demand deposits | $732,187 |
| Nontransaction accounts | $4,177,770 |
| Money market deposit accounts (MMDAs) | $1,477,397 |
| Other savings deposits (excluding MMDAs) | $2,599,799 |
| Total time deposits | $100,574 |
| Total time and savings deposits | $4,339,340 |
| Noninterest-bearing deposits | $2,443,596 |
| Interest-bearing deposits | $2,627,931 |
| Retail deposits | $5,047,422 |
| IRAs and Keogh plan accounts | $14,474 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $5,520,747 |
| Cash & Balances due from depository institutions | $663,464 |
| Interest-bearing balances | $629,143 |
| Total securities | $735,387 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $3,880,997 |
| Loan and leases loss allowance | $60,248 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $63,174 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $20,507 |
| All other assets | $157,218 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $5,520,747 |
| Total Liabilities | $5,134,736 |
| Total deposits | $5,071,527 |
| Interest-bearing deposits | $2,627,931 |
| Deposits held in domestic offices | $5,071,527 |
| % insured (estimated) | $43 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $63,209 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $3,880,997 |
| Loan and leases loss allowance | $60,248 |
| Total loans and leases (domestic) | $3,941,245 |
| All real estate loans | $3,483,737 |
| Real estate loans in domestic offices | $3,483,737 |
| Construction and development loans | $108,417 |
| Residential 1-4 family construction | $18,061 |
| Other construction, all land development and other land | $90,356 |
| Loans secured by nonfarm nonresidential properties | $1,118,314 |
| Nonfarm nonresidential secured by owner-occupied properties | $407,643 |
| Commercial real estate & other non-farm, non-residential | $710,671 |
| Multifamily residential real estate | $241,261 |
| 1-4 family residential loans | $2,015,745 |
| Farmland loans | $0 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $449,464 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $2,605 |
| Credit card loans | $1,027 |
| Related Plans | $212 |
| Consumer Auto Loans | $1 |
| Other loans to individuals | $1,365 |
| All other loans & leases | $5,439 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $5,439 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $79,653 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $11,669 |
| Non 1-4 family restructured loans & leases | $4,809 |
| Total loans and leases (foreign) | $0 |
Fremont Bank had $3,880,997,000 of loans outstanding in 2021. $3,483,737,000 of loans were in real estate loans. $108,417,000 of loans were in development loans. $241,261,000 of loans were in multifamily mortgage loans. $2,015,745,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $1,027,000 of loans were in credit card loans. $1,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 268 | $121,304 | $452,627 |
| Nonfarm, nonresidential loans - $100-250k | 11 | $1,755 | $159,545 |
| Nonfarm, nonresidential loans - $250k-1MM | 257 | $119,549 | $465,171 |
| Commercial & Industrial, US addressed loans - <$1MM | 2,490 | $203,037 | $81,541 |
| Commercial & Industrial, US addressed loans - <$100k | 1,372 | $19,965 | $14,552 |
| Commercial & Industrial, US addressed loans - $100-250k | 634 | $52,090 | $82,161 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 484 | $130,982 | $270,624 |
