Mortgage lending in Alameda County
21,941 mortgages were originated in Alameda County, California, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 21,941
- Median rate
- 6.490%
- Median lender fees
- $6,226
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $655,000
- Above the going rate (spread over APOR)
- 0.063
- Paid discount points
- 19.7%
- Received lender credits
- 38.9%
- Purchases / refinances
- 44.1% / 39.7%
- Conventional / FHA / VA
- 95.7% / 3.2% / 1.1%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 69.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,249,125
- FHA limit
- $1,249,125
- Median home price
- $1,750,000
- That home, 20% down
- $1,400,000
A median-priced home here needs more than the conforming limit even with 20% down — $150,875 more. Typical purchases here run into the ceiling.
This is a high-cost area: loans above $832,750 are still agency-backed here, as high-balance, where a plain conforming loan would stop. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Alameda County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 1,611 | $4,365 | 6.625% |
| United Shore Financial Services, LLC | 1,424 | $7,820 | 6.499% |
| Bank of America, National Association | 1,345 | $4,847 | 5.875% |
| U.S. Bank National Association | 1,050 | $4,337 | 6.125% |
| Wells Fargo Bank, National Association | 921 | $7,728 | 5.625% |
| JPMorgan Chase Bank, National Association | 910 | $2,301 | 6.005% |
| Citibank, National Association | 782 | $3,730 | 5.625% |
| Crosscountry Mortgage, Inc. | 713 | $7,878 | 6.650% |
| Fremont Bank | 705 | $600 | 8.250% |
| Patelco Credit Union | 432 | — | 8.000% |
What lenders charged here
Lender fees on a $655,000 loan, based on what was actually charged in Alameda County — not a rule of thumb.
From 15,308 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers