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refinance lenders · HMDA 2023–2025

Refinance lenders in Alameda County, California

Fat Boy Data analyzed mortgage refinance activity in Alameda County, California, home to Oakland, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 12,879 applications were decided by 362 lenders between 2023 and 2025.

Alameda County at a glance

362Active lenders79 with 20+ decisions
80.4%Market approval rate10,359 of 12,879 decided
$735KTypical loanmedian lender, $10K brackets
96%Borrower take-up9,898 loans funded

How Alameda County compares

Approval rate compared
Alameda County80.4%California76.7%All 616 counties76.5%
Typical loan compared
Alameda County$735KCalifornia$655KAll 616 counties$295K

What the data shows

Bank of America, National Association made the most mortgage refinances in Alameda County, CA, 926 of them.

New Wave Lending Group Inc approved the highest share of applications among lenders with at least 20 decisions here, 100% of 71.

The typical mortgage refinance here is $735K, 12% larger than the California typical of $655K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%One lender: 7% approved of 42One lender: 20% approved of 140One lender: 30% approved of 181One lender: 40% approved of 81One lender: 44% approved of 36One lender: 50% approved of 105One lender: 54% approved of 39One lender: 59% approved of 85One lender: 64% approved of 39One lender: 64% approved of 45One lender: 64% approved of 228One lender: 67% approved of 45One lender: 67% approved of 194One lender: 69% approved of 217One lender: 69% approved of 100One lender: 70% approved of 120One lender: 70% approved of 222Fremont Bank: 73% approved of 728One lender: 74% approved of 70Bank of America, National Association: 75% approved of 1,258One lender: 76% approved of 135One lender: 78% approved of 36Rocket Mortgage, LLC: 79% approved of 870One lender: 80% approved of 49One lender: 80% approved of 50One lender: 81% approved of 42One lender: 81% approved of 48One lender: 82% approved of 236One lender: 82% approved of 51One lender: 83% approved of 46One lender: 83% approved of 60United Wholesale Mortgage, LLC: 85% approved of 942One lender: 85% approved of 232One lender: 86% approved of 419One lender: 87% approved of 70One lender: 88% approved of 89U.S. Bank National Association: 89% approved of 964One lender: 91% approved of 183One lender: 91% approved of 65One lender: 92% approved of 72One lender: 92% approved of 50One lender: 92% approved of 76One lender: 93% approved of 82One lender: 93% approved of 155One lender: 93% approved of 419One lender: 93% approved of 45One lender: 94% approved of 32One lender: 94% approved of 67One lender: 94% approved of 34One lender: 94% approved of 145One lender: 95% approved of 63One lender: 96% approved of 594One lender: 96% approved of 125One lender: 97% approved of 62One lender: 98% approved of 48One lender: 99% approved of 72One lender: 99% approved of 73One lender: 99% approved of 222One lender: 100% approved of 71One lender: 100% approved of 31

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Refinance lenders in Alameda County

LenderApprovalApprovedTaken upTypical loanLoans made
1Bank of America, National Association75%942 / 1,25898%$945K926
2U.S. Bank National Association89%862 / 96498%$1.05M845
3United Wholesale Mortgage, LLCBroker only85%797 / 94297%$725K773
4Rocket Mortgage, LLC79%684 / 87096%$735K660
5Fremont Bank73%528 / 72898%$255K519

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.

Fat Boy found 357 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest mortgage refinance lenders in Alameda County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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Also active in Alameda County

Citibank, National AssociationWells Fargo Bank, National AssociationJPMorgan Chase Bank, National AssociationPatelco Credit UnionThe Golden 1BMO Bank National AssociationCrosscountry Mortgage, LLCPNC Bank, National AssociationSTAR ONE Credit UnionThird Federal Savings And Loan Association Of ClevelandFinance of America Reverse LLCLakeview Loan Servicing, LLCPennymac Loan Services, LLCSTANFORD Federal Credit UnionDiscover BankLoandepot.Com, LLCCmg Mortgage, Inc.1St United Services Credit UnionComerica BankAlliant Credit UnionMutual of Omaha Mortgage, Inc.Newrez LLCHsbc Bank USA, N.A.tional AssociationSpring Eq, LLCGeneral Mortgage Capital CorporationGoogain, Inc.Provident Credit UnionProvident Funding Associates, L.P.New Wave Lending Group IncZions Bancorporation, N.A.

Other lending data for Alameda County

Mortgage lenders in Alameda CountyHome improvement loans in Alameda CountyCash-out refinance in Alameda CountyInvestment property purchase in Alameda CountyInvestment cash-out refinance in Alameda CountyInvestment refinance in Alameda CountyInvestment home improvement in Alameda County

Nearby markets

All lending in Alameda CountyCounty overviewRefinance across CaliforniaStatewideContra Costa CountyNearby countySan Francisco CountyNearby countySan Joaquin CountyNearby countySan Mateo CountyNearby countySanta Clara CountyNearby county