Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Alameda County, California
Every institution that decided a 1–4 unit mortgage application in Alameda County, home to Oakland, between 2023 and 2025: 67,687 applications, 52,219 loans actually funded, across 8 kinds of borrowing.
Alameda County at a glance
67,687Applications decided
2023–2025
52,219Loans funded
77% of decisions
378Census tracts
49 ZIP codes
1,651,949People
ACS 2023
What the data shows
The typical purchase mortgage here is $775K.
Investment home improvement is the hardest money to get here: lenders approved 52% of 683 applications.
Lending by loan type in Alameda County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 90.9% | 31,035 | $775K | 96% | 470 |
| Home improvement loans | 63.7% | 9,801 | $175K | 89% | 184 |
| Cash-out refinance | 68.0% | 7,554 | $305K | 94% | 333 |
| Refinance | 80.4% | 12,879 | $735K | 96% | 362 |
| Investment property purchase | 88.3% | 2,824 | $675K | 96% | 241 |
| Investment cash-out refinance | 72.8% | 1,508 | $435K | 92% | 215 |
| Investment refinance | 78.3% | 1,403 | $535K | 94% | 196 |
| Investment home improvement | 52.0% | 683 | $155K | 91% | 84 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.