Purchase Originations
2,029
Ranked #220 nationally
Median Total Costs
$9,846
+47.4% vs national ($6,680)
↓ $95 vs prior year
Median Rate
6.624%
+2.1% vs national (6.490%)
↓ 0.001% vs prior year
Median Origination
$3,866
Median Lender Credits
$178
Cost Rank (500+ vol.)
#536
among lenders with 500+ originations
Denial Rate
2.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,250 | 6.750% | $7,432 | $3,450 |
| fha | 591 | 6.375% | $14,988 | $4,632 |
| va | 183 | 6.250% | $12,107 | $3,404 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 1,231 | 6.500% | $11,045 | #32 |
| Oregon | 208 | 6.500% | $10,973 | #42 |
| Tennessee | 135 | 6.625% | $5,191 | #104 |
| Georgia | 114 | 6.750% | $9,203 | #134 |
| Arizona | 76 | 6.990% | $6,166 | #119 |
| Nevada | 35 | 6.625% | $7,194 | — |
| Washington | 31 | 6.625% | $6,541 | — |
| Colorado | 28 | 6.750% | $4,990 | — |
| South Carolina | 26 | 6.490% | $9,372 | — |
| Illinois | 17 | 6.750% | $6,319 | — |
| Minnesota | 16 | 6.875% | $5,525 | — |
| Utah | 15 | 7.250% | $12,117 | — |
| North Carolina | 14 | 6.250% | $11,269 | — |
| Alabama | 13 | 6.990% | $8,102 | — |
| Texas | 13 | 6.490% | $8,103 | — |
| Wisconsin | 11 | 6.625% | $6,398 | — |
| Hawaii | 10 | 6.188% | $21,956 | — |
| Idaho | 10 | 6.495% | $11,427 | — |
| Missouri | 7 | 6.500% | $11,687 | — |
| Ohio | 6 | 6.990% | $9,689 | — |
| Florida | 3 | 6.625% | $13,259 | — |
| Oklahoma | 3 | 6.625% | $8,141 | — |
| Indiana | 1 | 6.750% | $5,344 | — |
| Kentucky | 1 | 6.625% | $26,781 | — |
| Montana | 1 | 6.624% | $7,467 | — |
| New Mexico | 1 | 6.125% | $4,257 | — |
| Pennsylvania | 1 | 5.750% | $16,994 | — |
| South Dakota | 1 | 6.750% | $9,581 | — |
| Virginia | 1 | 6.125% | $14,746 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,195 | 6.625% | — | 104 | −$4,651 | |
| 2 | $6,166 | 6.990% | — | 68 | −$3,680 | |
| 3 | $6,754 | 6.750% | — | 31 | −$3,092 | |
| 4 | $7,608 | 6.750% | — | 21 | −$2,238 | |
| 5 | $7,864 | 6.625% | — | 35 | −$1,982 | |
| 6 | $8,095 | 6.250% | — | 36 | −$1,751 | |
| 7 | $8,330 | 6.500% | — | 51 | −$1,516 | |
| 8 | $8,621 | 6.625% | — | 23 | −$1,225 | |
| 9 | $9,018 | 6.625% | — | 20 | −$828 | |
| 10 | $10,292 | 6.500% | — | 24 | +$446 | |
| 11 | $10,349 | 6.375% | — | 33 | +$503 | |
| 12 | $10,541 | 6.375% | — | 29 | +$695 | |
| 13 | $10,926 | 6.625% | — | 35 | +$1,080 | |
| 14 | $10,943 | 6.624% | — | 351 | +$1,097 | |
| 15 | $12,049 | 6.875% | — | 24 | +$2,203 | |
| 16 | $12,328 | 6.433% | — | 102 | +$2,482 | |
| 17 | $12,457 | 6.250% | — | 25 | +$2,611 | |
| 18 | $12,700 | 6.490% | — | 179 | +$2,854 | |
| 19 | $13,326 | 6.375% | — | 26 | +$3,480 | |
| 20 | $14,067 | 6.125% | — | 170 | +$4,221 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Alameda Mortgage Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $395,000 | $335,000 | +$60,000 (+17.9%) |
| Median total closing costs | $9,846 | $7,127 | +$2,719 (+38.2%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.