# ALAMEDA MORTGAGE CORPORATION

> **Canonical URL:** https://saferate.com/lenders/alameda-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ALAMEDA MORTGAGE CORPORATION is a independent mortgage company, headquartered in Petaluma, CA, serving borrowers across 29 states, with 2,449 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 85% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 19% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493000OM9RKJW8W5K82
- **Headquarters:** Petaluma, CA
- **Geographic Reach:** Near-National
- **States Served:** 29
- **State List:** AL, AZ, CA, CO, FL, GA, HI, ID, IL, IN, MD, MN, MO, MT, NC, ND, NJ, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI
- **Markets (MSAs):** 34
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 15/100
- Rating: ●○○○○ (1/5)

### Pull Through: Exceptional 🤩
- Score: 81/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.531%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,165
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,449
- **Dollar Volume:** $1.0 billion
- **Applications Received:** 3,434
- **Market Share:** 7.00%

## Typical Borrower Profile

- **Average Loan Amount:** $414,784
- **Average Borrower Income:** $157,857
- **Average Property Value:** $539,826

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 82/100 | 1,585 | +0.508% | $4,084 | Exceptional 🤩 |
| FHA | 83/100 | 698 | +0.735% | $4,312 | Exceptional 🤩 |
| VA | 76/100 | 125 | -0.041% | $4,996 | Strong 😀 |
| Jumbo | 68/100 | 37 | +0.288% | $2,782 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,406 loans, Score: 82/100 (Exceptional)
- Refinance: 179 loans, Score: 74/100 (Strong)

**FHA:**
- Purchase: 672 loans, Score: 83/100 (Exceptional)
- Refinance: 26 loans, Score: 70/100 (Strong)

**VA:**
- Purchase: 117 loans, Score: 76/100 (Strong)

**Jumbo:**
- Purchase: 30 loans, Score: 69/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 83/100 | 2,229 | $934M | +0.545% | Exceptional 🤩 |
| Refinance | 73/100 | 220 | $82M | +0.405% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 1,702 | 0.60% | 84/100 |
| TN | 193 | 0.21% | 69/100 |
| UT | 138 | 0.31% | 66/100 |
| AZ | 68 | 0.07% | 56/100 |
| GA | 66 | 0.05% | 54/100 |
| CO | 56 | 0.07% | 54/100 |
| NV | 48 | 0.12% | 56/100 |
| HI | 32 | 0.35% | 56/100 |
| IL | 27 | 0.02% | 45/100 |
| MN | 20 | 0.03% | 44/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Fresno, CA | CA | 654 | 99/100 |
| Visalia, CA | CA | 207 | 88/100 |
| Sacramento | CA | 170 | 72/100 |
| Hanford | CA | 158 | 100/100 |
| Chattanooga, TN | TN-GA | 141 | 81/100 |
| Non |  | 119 | 50/100 |
| Salt Lake City | UT | 113 | 70/100 |
| Oakland | CA | 93 | 68/100 |
| Phoenix | AZ | 63 | 56/100 |
| Los Angeles | CA | 47 | 54/100 |
| Oxnard | CA | 46 | 63/100 |
| Denver | CO | 42 | 53/100 |
| Santa Rosa | CA | 37 | 63/100 |
| Bakersfield | CA | 32 | 55/100 |
| Johnson City, TN | TN | 32 | 58/100 |

## Where This Lender Ranks

ALAMEDA MORTGAGE CORPORATION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Fresno, CA for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fresno-ca/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#6** in Fresno, CA for Jumbo Loans
  - [View Full Rankings](https://saferate.com/fresno-ca/best-mortgage-lenders/jumbo-loans)
- 🏆 **#6** in Visalia, CA for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/visalia-ca/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#6** in Napa, CA Mortgage Companies
  - [View Full Rankings](https://saferate.com/napa-ca/best-mortgage-lenders/mortgage-companies)
- 🏆 **#7** in Visalia, CA for VA Loans
  - [View Full Rankings](https://saferate.com/visalia-ca/best-mortgage-lenders/va-loans)
- 🏆 **#7** in Napa, CA
  - [View Full Rankings](https://saferate.com/napa-ca/best-mortgage-lenders)
- 🏆 **#8** in Hanford Mortgage Companies
  - [View Full Rankings](https://saferate.com/hanford/best-mortgage-lenders/mortgage-companies)
- 🏆 **#8** in Kahului Mortgage Companies
  - [View Full Rankings](https://saferate.com/kahului/best-mortgage-lenders/mortgage-companies)
- 🏆 **#10** in Hanford
  - [View Full Rankings](https://saferate.com/hanford/best-mortgage-lenders)
- 🏆 **#10** in Hanford for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hanford/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#11** in Hanford for FHA Loans
  - [View Full Rankings](https://saferate.com/hanford/best-mortgage-lenders/fha-loans)
- 🏆 **#11** in Hanford for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hanford/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#11** in Hanford for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hanford/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#11** in Johnson City, TN for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/johnson-city-tn/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#12** in Hanford for VA Loans
  - [View Full Rankings](https://saferate.com/hanford/best-mortgage-lenders/va-loans)
- 🏆 **#12** in Napa, CA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/napa-ca/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#12** in Kahului
  - [View Full Rankings](https://saferate.com/kahului/best-mortgage-lenders)
- 🏆 **#13** in Hanford for Conventional Loans
  - [View Full Rankings](https://saferate.com/hanford/best-mortgage-lenders/conventional-loans)
- 🏆 **#13** in Johnson City, TN Mortgage Companies
  - [View Full Rankings](https://saferate.com/johnson-city-tn/best-mortgage-lenders/mortgage-companies)
- 🏆 **#13** in Johnson City, TN for VA Loans
  - [View Full Rankings](https://saferate.com/johnson-city-tn/best-mortgage-lenders/va-loans)

## Frequently Asked Questions

### What loan types does ALAMEDA MORTGAGE CORPORATION offer?

ALAMEDA MORTGAGE CORPORATION offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ALAMEDA MORTGAGE CORPORATION offer mortgages?

ALAMEDA MORTGAGE CORPORATION offers mortgages in 29 states: AL, AZ, CA, CO, FL, GA, HI, ID, IL, IN, MD, MN, MO, MT, NC, ND, NJ, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI.

### How competitive are ALAMEDA MORTGAGE CORPORATION's mortgage rates?

ALAMEDA MORTGAGE CORPORATION has a pricing score of 15/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.531% above market average.

### What type of lender is ALAMEDA MORTGAGE CORPORATION?

ALAMEDA MORTGAGE CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in Petaluma, CA.

### What is ALAMEDA MORTGAGE CORPORATION's loan approval success rate?

ALAMEDA MORTGAGE CORPORATION has a pull-through score of 81/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/alameda-mortgage

### How to Cite

> "ALAMEDA MORTGAGE CORPORATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/alameda-mortgage

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