What loan types does Fremont Bank offer?

Fremont Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Fremont Bank offer mortgages?

Fremont Bank offers mortgages in 2 states: CA, NV.

How competitive are Fremont Bank's mortgage rates?

Fremont Bank has an overall pricing score of 33.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Fremont Bank?

Fremont Bank is a Bank headquartered in Fremont, CA.

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Fremont Bank

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Fremont Bank has 250 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Sound

3/5

Regional · 5 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Fremont Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+37.7 bps above market avg

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

202 loans · 0.37% above market

Sound

Top 60% of lenders

3/5

Jumbo

47 loans · 0.40% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

145 loans · 0.39% above market

Sound

Top 60% of lenders

3/5

Refinance

105 loans · 0.35% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 5 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	Sound	Sound	Sound	Sound	202	80.8%	+0.374%Above	$189Fees
Jumbo Loans	Sound	Strong	Acceptable	Strong	47	18.8%	+0.397%Above	$553Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume202

Mix80.8%

Spread

+0.374%Above

Fees

$189Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume47

Mix18.8%

Spread

+0.397%Above

Fees

$553Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Acceptable	Sound	145	58.0%	+0.394%Above	$286Fees
Refinance	Sound	Sound	Sound	Sound	105	42.0%	+0.352%Above	$213Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume145

Mix58.0%

Spread

+0.394%Above

Fees

$286Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume105

Mix42.0%

Spread

+0.352%Above

Fees

$213Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

250

Applications

367

Volume

$186 million

Pricing & Closing

Avg Rate Spread

+0.377%

vs. market APOR

Avg Net Fees

$257

Origination − Credits

Pullthrough Rate

68.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$745,080

Avg Borrower Income

$368,320

Avg Property Value

$1,510,400

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

< 200200+None

West2

CANV

Top Metro Areas by Place Specialization Score

Oakland, CAMetro

Volume 119Mix 47.60% of portfolio

78/100

Strong

San Francisco, CAMetro

Volume 23Mix 9.20% of portfolio

58/100

Sound

San Jose, CAMetro

Volume 25Mix 10.00% of portfolio

57/100

Sound

Sacramento, CAMetro

Volume 16Mix 6.40% of portfolio

49/100

Sound

Stockton, CAMetro

Volume 11Mix 4.40% of portfolio

47/100

Sound

Top States by Place Specialization Score

CaliforniaState

Volume 248Mix 99.20% of portfolio

71/100

Strong

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.

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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.