Applications / Mortgage Analytics / Lenders / California / Fremont Bank
Fremont, CA · State non-member bank · FDIC · $5.9 billion assets · 1,960 loans in 2025
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1,960
loans originated, 2025
3,459
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Fremont Bank is a California bank whose lending is mostly refinance and home-improvement loans, with 60.9% of its loans in majority-minority areas.
Refinances made up 39.5% of its loans and home improvement 35.0%. Every loan was conventional, with no FHA (insured by the Federal Housing Administration) or VA (guaranteed by the Department of Veterans Affairs) lending, where similar lenders (state non-member banks making between half and twice as many loans) had 3.4% FHA.
Of its loans, 60.9% were in majority-minority areas, against 10.1% at similar lenders, higher than nearly all of them, and up from 45.9% five years before. Its largest market is San Francisco-Oakland-Fremont, where it ranked 21 of 606. LMI (low- and moderate-income) borrowers received 16.7%, against 27.9%; its larger loans, a typical $255,000 against $205,000 and 9.9% jumbo (larger than the conforming limit) against 2.5%, could reflect borrowers with higher incomes there.
Its typical rate was 8.25% against 6.75%, higher than nearly all similar lenders, yet 0.0% of its loans were higher-priced (a rate well above the average for similar loans), against 1.6%. Home-improvement and other-purpose loans, nearly half its lending, usually carry higher rates than first mortgages, and could account for most of the difference.
Originations rose 3% to 1,960, while similar lenders grew 13% and the whole market 10%. It made 14,054 loans in 2020; with refinancing its largest line, its volume may move more with refinance demand than most similar lenders'.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Fremont Bank took 3,459 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 39.5% · Home improvement 35.0% · Other 12.8% · Purchase 12.7%
Conventional 100.0% · of 1,960 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 1,954 | 99.7% |
| Nevada | 6 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oakland-Fremont-Berkeley | 1,111 |
| San Jose-Sunnyvale-Santa Clara | 270 |
| San Francisco-San Mateo-Redwood City | 143 |
| Sacramento-Roseville-Folsom | 75 |
| Stockton-Lodi | 58 |
| Salinas | 50 |
| Vallejo | 30 |
| Santa Rosa-Petaluma | 28 |
| Los Angeles-Long Beach-Glendale | 25 |
| San Rafael | 23 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006F1N8E3EEF3W63 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 739560 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 319222 | 1990–2017 |
Established 3 September 1964. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Fremont Bank's data.
Fremont Bank's data
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