Alameda Mortgage Corporation
We analyzed every closed loan from Alameda Mortgage Corporation — 2.4k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Near-National · 33 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 53 basis points above market average
- Higher than average fees ($4,165)
Explore another lender or local market
Report Card
Alameda Mortgage Corporation performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+53.1 bps above market avg
1/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
1,585 loans · 0.51% above market
Exceptional
Top 20% of lenders
5/5
FHA
698 loans · 0.73% above market
Exceptional
Top 20% of lenders
5/5
VA
125 loans · 0.04% below market
Strong
Top 40% of lenders
4/5
Jumbo
37 loans · 0.29% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
2,229 loans · 0.55% above market
Exceptional
Top 20% of lenders
5/5
Refinance
220 loans · 0.41% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 34 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,585 | 64.7% | +0.508%Above | $4,084Fees | ||||
FHA Loans | 698 | 28.5% | +0.735%Above | $4,312Fees | ||||
VA Loans | 125 | 5.1% | -0.041%Below | $4,996Fees | ||||
Jumbo Loans | 37 | 1.5% | +0.288%Above | $2,782Fees |
Conventional
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume1,585
Mix64.7%
Spread
+0.508%Above
Fees
$4,084Fees
FHA Loans
OverallStrong
ProductExceptional
PricingMediocre
Pull ThroughExceptional
Volume698
Mix28.5%
Spread
+0.735%Above
Fees
$4,312Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughExceptional
Volume125
Mix5.1%
Spread
-0.041%Below
Fees
$4,996Fees
Jumbo Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume37
Mix1.5%
Spread
+0.288%Above
Fees
$2,782Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,229 | 91.0% | +0.545%Above | $4,184Fees | ||||
Refinance | 220 | 9.0% | +0.405%Above | $4,002Fees |
Purchase
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume2,229
Mix91.0%
Spread
+0.545%Above
Fees
$4,184Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume220
Mix9.0%
Spread
+0.405%Above
Fees
$4,002Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,449
Applications
3,434
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.531%
vs. market APOR
Avg Net Fees
$4,165
Origination − Credits
Pullthrough Rate
71.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$414,784
Avg Borrower Income
$157,857
Avg Property Value
$539,826
Geographic Coverage
Geographic Performance
Metro Areas
33
markets with activity
States Served
29
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
29Full-year 2024 · HMDALoans originated
< 2020–5050+None
Northeast2
NJPA
Midwest7
ILINMNMONDOHWI
South10
ALFLGAMDNCOKSCTNTXVA
West10
AZCACOHIIDMTNVORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 33 metro areas
Top States by Place Specialization Score
Showing 10 of 13 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
Are you the owner of Alameda Mortgage Corporation?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.