# Fremont Bank

> **Canonical URL:** https://saferate.com/lenders/fremont-bank


> **📋 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


Fremont Bank is a bank, headquartered in Fremont, CA, serving borrowers across 2 states, with 250 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 66% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 41% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493006F1N8E3EEF3W63
- **Headquarters:** Fremont, CA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** CA, NV
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 91.3%
- **Brokered/Wholesale:** 8.7%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 34/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.377%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $257
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 250
- **Dollar Volume:** $186 million
- **Applications Received:** 367
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $745,080
- **Average Borrower Income:** $368,320
- **Average Property Value:** $1,510,400

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 45/100 | 202 | +0.374% | $189 | Sound ☺️ |
| Jumbo | 71/100 | 47 | +0.397% | $553 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 109 loans, Score: 37/100 (Acceptable)
- Refinance: 93 loans, Score: 60/100 (Sound)

**Jumbo:**
- Purchase: 36 loans, Score: 71/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 41/100 | 145 | $125M | +0.394% | Sound ☺️ |
| Refinance | 59/100 | 105 | $61M | +0.352% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 248 | 0.09% | 71/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Oakland | CA | 119 | 78/100 |
| San Jose | CA | 25 | 57/100 |
| San Francisco | CA | 23 | 58/100 |
| Sacramento | CA | 16 | 49/100 |
| Stockton | CA | 11 | 47/100 |

## Where This Lender Ranks

Fremont Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#13** in Oakland for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/oakland/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#14** in San Francisco for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#15** in Oakland Banks
  - [View Full Rankings](https://saferate.com/oakland/best-mortgage-lenders/banks)
- 🏆 **#15** in Oakland for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/oakland/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#17** in San Francisco Banks
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/banks)
- 🏆 **#19** in San Francisco for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Fremont Bank offer?

Fremont Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Fremont Bank offer mortgages?

Fremont Bank offers mortgages in 2 states: CA, NV.

### How competitive are Fremont Bank's mortgage rates?

Fremont Bank has a pricing score of 34/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.377% above market average.

### What type of lender is Fremont Bank?

Fremont Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Fremont, CA.

### What is Fremont Bank's loan approval success rate?

Fremont Bank has a pull-through score of 59/100 (Sound). 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/fremont-bank

### How to Cite

> "Fremont Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/fremont-bank

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