Fremont Bank mortgage approval rate & lending review
Fremont Bank decided 6,219 mortgage applications and funded 4,454 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Fremont Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Fremont Bank at a glance
Approval is 2.9 points above the 70.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 88% | 513 / 585 | 98% | $505K | 502 |
| Home improvement loans | 75% | 1,734 / 2,316 | 97% | $175K | 1,685 |
| Cash-out refinance | 70% | 203 / 288 | 97% | $305K | 197 |
| Refinance | 70% | 1,436 / 2,039 | 98% | $255K | 1,406 |
| Investment property purchase | 80% | 156 / 195 | 96% | $505K | 149 |
| Investment cash-out refinance | 70% | 73 / 104 | 100% | $455K | 73 |
| Investment refinance | 62% | 160 / 259 | 99% | $325K | 159 |
| Investment home improvement | 68% | 295 / 433 | 96% | $175K | 283 |
Fremont Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 73% | $255K | 6,199 | 4,438 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Fremont Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Alameda County, CA | Home improvement loans | 78% | 856 | 653 |
| Alameda County, CA | Refinance | 73% | 728 | 519 |
| Contra Costa County, CA | Home improvement loans | 75% | 461 | 333 |
| Contra Costa County, CA | Refinance | 74% | 404 | 292 |
| Santa Clara County, CA | Home improvement loans | 77% | 305 | 229 |
| Santa Clara County, CA | Refinance | 71% | 291 | 200 |
| Alameda County, CA | Mortgage lenders | 88% | 179 | 154 |
| Contra Costa County, CA | Mortgage lenders | 92% | 109 | 98 |
| Alameda County, CA | Cash-out refinance | 75% | 105 | 75 |
| San Mateo County, CA | Home improvement loans | 71% | 101 | 70 |
| San Joaquin County, CA | Home improvement loans | 70% | 94 | 65 |
| San Mateo County, CA | Refinance | 72% | 87 | 61 |
The county markets where Fremont Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Fremont Bank
What is Fremont Bank's mortgage approval rate?
Fremont Bank approved 73.5% of the 6,219 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.9 points above the 70.6% national rate for the same mix of loan types.
How often do borrowers take the loan Fremont Bank offers?
Borrowers accepted 97% of the loans Fremont Bank approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Fremont Bank make?
The typical home improvement loan loan Fremont Bank made was $175K; across all loan types its typical loan ran from $175K to $505K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Fremont Bank lend?
Fremont Bank decided applications in 4 of the states Fat Boy Data covers, most of them in California, Nevada and Florida.
Can I apply to Fremont Bank directly?
Yes. Fremont Bank is a bank or credit union with 23 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Fremont Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Fremont Bank treats applications, then get a rate quote from the lender.