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2024 data HMDA 2024 disclosure official source

Alameda County

36,330 mortgage applications, 15.3% denial rate. Verify FIPS 06001 with U.S. Census Bureau →

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California · FIPS 06001

Local mortgage market. Alameda County, California saw 36,330 HMDA-reported mortgage applications in 2024. Lenders originated 19,267 of those loans and denied 5,575, producing a denial rate of 15.3% and an approval (origination) rate of 53.0%. The average loan amount was $669,268 at an average note rate of 7.14%, with applicants self-reporting average annual income of $38K. 477 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 17.6x, meaning typical borrowers took on mortgages of about 17.6 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 06001 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

36,330
Applications
19,267
Originated
15.3%
Denial Rate
53.0%
Approval Rate
$669,268
Avg Loan Amount
7.14%
Avg Interest Rate
$38K
Avg Applicant Income
17.6x
Loan-to-Income Ratio

Nearby Lenders in Alameda County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Rocket Mortgage 1,570 8.1%
2 United Wholesale Mortgage 1,340 7.0%
3 Us Bank, N.A. 1,219 6.3%
4 Bank of America NA 1,161 6.0%
5 Fremont Bank 677 3.5%
Compare Rocket Mortgage vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Alameda County?
In the 2024 HMDA reporting year, 36,330 mortgage applications were filed in Alameda County, California. Of these, 19,267 were originated (approved and funded), while 5,575 were denied, resulting in a denial rate of 15.3%.
What is the mortgage denial rate in Alameda County?
The mortgage denial rate in Alameda County is 15.3%. The approval (origination) rate is 53.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Alameda County?
The average mortgage loan amount in Alameda County is $669,268. The average interest rate is 7.142%. The average applicant income is $38K.
What is the loan-to-income ratio in Alameda County?
The average loan-to-income ratio in Alameda County is 17.6x, meaning borrowers took on loans averaging 17.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Alameda County?
The top mortgage lenders in Alameda County by origination volume are Rocket Mortgage, United Wholesale Mortgage, Us Bank, N.A.. In total, 477 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.