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Fremont Bank

Bank•Fremont, CAHQ•Direct•Reviews near you on Google

Fremont Bank has 250 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Regional · 5 mkts

Safe Rate Summary

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Fremont Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+37.7 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 5 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume202
Mix80.8%
Spread
+0.374%Above
Fees
$189Fees
Jumbo Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume47
Mix18.8%
Spread
+0.397%Above
Fees
$553Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume145
Mix58.0%
Spread
+0.394%Above
Fees
$286Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume105
Mix42.0%
Spread
+0.352%Above
Fees
$213Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
250
Applications
367
Volume
$186 million
Pricing & Closing
Avg Rate Spread
+0.377%
vs. market APOR
Avg Net Fees
$257
Origination − Credits
Pullthrough Rate
68.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$745,080
Avg Borrower Income
$368,320
Avg Property Value
$1,510,400

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

2
2 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
West2
CANV

Top Metro Areas by Place Specialization Score

1© Basil D Soufi · CC BY-SA 3.0
Oakland, CAMetro
Volume 119Mix 47.60% of portfolio
78/100
Strong
2© Basil D Soufi · CC BY-SA 4.0
San Francisco, CAMetro
Volume 23Mix 9.20% of portfolio
58/100
Sound
3© Ben Loomis · CC BY 2.0
San Jose, CAMetro
Volume 25Mix 10.00% of portfolio
57/100
Sound
4© Quintin Soloviev · CC BY 4.0
Sacramento, CAMetro
Volume 16Mix 6.40% of portfolio
49/100
Sound
5© Quintin Soloviev · CC BY 4.0
Stockton, CAMetro
Volume 11Mix 4.40% of portfolio
47/100
Sound

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 248Mix 99.20% of portfolio
71/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.