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ALAMEDA MORTGAGE CORPORATION
Independent Mortgage Company|Petaluma, CA|Near-National
Loans Originated
2,449
Applications
3,434
Volume
$1 billion
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Exceptional
Pricing and Pullthrough Overview
Average Rate Spread
+0.531%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,165
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
71.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 53 basis points above market average
- Higher than average fees ($4,165)
Report Card
ALAMEDA MORTGAGE CORPORATION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Near-National · 34 metro areas · 29 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$414,784
Average Borrower Income
$157,857
Average Property Value
$539,826
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Exceptional | Mediocre | Strong | 1,585 | 64.7% | +0.508% | $4,084 |
FHA Loans | Sound | Exceptional | Mediocre | Exceptional | 698 | 28.5% | +0.735% | $4,312 |
VA Loans | Sound | Strong | Mediocre | Exceptional | 125 | 5.1% | -0.041% | $4,996 |
Jumbo Loans | Sound | Strong | Acceptable | Sound | 37 | 1.5% | +0.288% | $2,782 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Mediocre | Strong | 2,229 | 91.0% | +0.545% | $4,184 |
Refinance | Acceptable | Strong | Mediocre | Sound | 220 | 9.0% | +0.405% | $4,002 |
Geographic Coverage
Metro Areas
33
States Served
29
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALAZCACOFLGAHIIDILINMDMNMOMTNCNDNJNVOHOKORPASCTNTXUTVAWAWI
Top Metro Areas by Place Specialization Score
1
Hanford, CAMSA
Volume: 158Mix: 6.45%
Place Specialization
Exceptional
2
Fresno, CA, CAMSA
Volume: 654Mix: 26.70%
Place Specialization
Exceptional
3
Visalia, CA, CAMSA
Volume: 207Mix: 8.45%
Place Specialization
Exceptional
4
Chattanooga, TN, TN-GAMSA
Volume: 141Mix: 5.76%
Place Specialization
Exceptional
5
Napa, CA, CAMSA
Volume: 29Mix: 1.18%
Place Specialization
Strong
6
Sacramento, CAMSA
Volume: 170Mix: 6.94%
Place Specialization
Strong
7
Salt Lake City, UTMSA
Volume: 113Mix: 4.61%
Place Specialization
Strong
8
Oakland, CAMSA
Volume: 93Mix: 3.80%
Place Specialization
Strong
9
Kahului, HIMSA
Volume: 23Mix: 0.94%
Place Specialization
Strong
10
Oxnard, CAMSA
Volume: 46Mix: 1.88%
Place Specialization
Strong
Showing 10 of 33 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 1,702Mix: 69.50%
Place Specialization
Exceptional
2
TNState
Volume: 193Mix: 7.88%
Place Specialization
Strong
3
UTState
Volume: 138Mix: 5.63%
Place Specialization
Strong
4
NVState
Volume: 48Mix: 1.96%
Place Specialization
Sound
5
AZState
Volume: 68Mix: 2.78%
Place Specialization
Sound
6
HIState
Volume: 32Mix: 1.31%
Place Specialization
Sound
7
GAState
Volume: 66Mix: 2.69%
Place Specialization
Sound
8
COState
Volume: 56Mix: 2.29%
Place Specialization
Sound
9
ILState
Volume: 27Mix: 1.10%
Place Specialization
Sound
10
MNState
Volume: 20Mix: 0.82%
Place Specialization
Sound
Showing 10 of 13 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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