Big in the Central Valley
It ranked fifth in Fresno with 5.7% of a $5.72B market, up from 5.1%; United Wholesale Mortgage led. In Visalia it ranked fourth with 5.3%, up from 4.8%, behind Golden Empire Mortgage. It has lent in Fresno since 1994.
Applications / Mortgage Analytics / Lenders / California / Alameda Mortgage
Alameda Mortgage
Walnut Creek, CA · Independent non-bank lender · CFPB · 3,504 loans in 2025
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3,504
loans originated, 2025
4,961
applications, 2025
30
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Alameda Mortgage is a home-purchase lender that ranks among the top five in Fresno and Visalia, and it gained share in both in 2025.
A buyer's lender
Home purchases made up 89.1% of its 3,504 loans and refinances 10.8%. Its loan types and typical loan, $345,000, sit close to those of similar lenders, meaning non-banks making between half and twice as many loans. It turned down 2.2% of decided first-lien home-purchase applications on owner-occupied homes, against 4.2% at peers.
Growing and spreading
Its loans rose 19%, faster than peers' 11% and the whole market's 10%. It now lends in 30 states and 128 metros. In 2025 it entered Greenville-Anderson-Greer, Naples-Marco Island and Albany, Oregon, and its Portland share rose to 0.3%. Volume remains below its 2021 peak of 5,086 loans.
More loans in majority-minority areas
Of its loans, 52.6% went to majority-minority neighborhoods, against 25.1% at similar lenders, higher than about nine in ten. Its share in low- and moderate-income tracts, 23.3%, was also above peers' 19.1%.
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
3,504 loans in 2025, against a peak of 5,086 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Alameda Mortgage took 4,961 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
89.1% of its 2025 loans were purchase loans; 68.6% were conventional loans.
Purchase 89.1% · Refinance 10.8% · Home improvement 0.1% · Other 0.0%
Conventional 68.6% · FHA 25.7% · VA 5.6% · USDA (RHS or FSA) 0.1% · of 3,504 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
30 states, 128 metros, 280 counties
| State | Loans | Share |
|---|---|---|
| California | 2,287 | 65.3% |
| Oregon | 253 | 7.2% |
| Georgia | 196 | 5.6% |
| Tennessee | 176 | 5.0% |
| Utah | 129 | 3.7% |
| Arizona | 101 | 2.9% |
| Nevada | 51 | 1.5% |
| Washington | 41 | 1.2% |
| Colorado | 37 | 1.1% |
| South Carolina | 33 | 0.9% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Fresno | 1,036 |
| Visalia | 351 |
| Chattanooga | 171 |
| Portland-Vancouver-Hillsboro | 142 |
| Hanford-Corcoran | 140 |
| Sacramento-Roseville-Folsom | 133 |
| Atlanta-Sandy Springs-Roswell | 108 |
| Oakland-Fremont-Berkeley | 100 |
| Phoenix-Mesa-Chandler | 93 |
| Salt Lake City-Murray | 82 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000OM9RKJW8W5K82 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3876082 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7942229242 | |
| Respondent ID (the HMDA filer code before 2018) | 76426309999 | 1994–2011 |
Established 6 September 1973. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Alameda Mortgage's data.
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