Lender in California · HMDA 2025
Fremont Bank mortgages in California
Fremont Bank's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Fremont Bank originated 236 owner-occupied single-family loans in California from 348 completed applications.
Its median conventional purchase loan costs were $930 versus $7,920 for all California lenders, at a median 30-year fixed rate of 7.115% (California: 6.625%).
Loans in CA
236
of 348 applications
Denial rate
4.6%
Purchase · CA 8.9%
Rate spread
+0.37 pts
Conv. · CA +0.09 pts
Loan amount
$655,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 131 | 121 | 4.6% | 7.115% | +0.37 pts | $930 | $655,000 |
| Refinance | 139 | 64 | 52.5% | — | +0.37 pts | $500 | $505,000 |
| Cash-out refinance | 78 | 51 | 33.3% | — | +0.50 pts | $500 | $485,000 |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology