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State markets/California/Alameda County

COUNTY MORTGAGE MARKET · FIPS 06001

Alameda County, California

Who lends in Alameda County, how much, and to whom — built from HMDA public mortgage disclosure data, U.S. Census ACS housing estimates and FEMA's National Risk Index.

Origination volume · 2025

$16.46B

Origination volumeSum of loan amount over HMDA records with action taken = 1.

Originations · 2025

21,958

OriginationsCount of HMDA records with action taken = 1 (loan originated) in the activity year.

Denial rate · 2025

15.6%

Denial rateApplications denied (action taken = 3) divided by applications acted upon (actions 1-5).

Lenders active · 2025

556

Lenders activeDistinct LEIs with at least one application acted upon (HMDA action taken 1-5, 7 or 8) in the county and year.

Market structure

How spread out lending is across the 556 lenders that originated in Alameda County in 2025. HHI is the Herfindahl-Hirschman index over lender shares.

Concentration (HHI)

311

unconcentrated

Top-5 lender share

31.8%

of originations

Purchase

52.6%

9,676 loans

Refinance

47.4%

8,720 loans

Origination trend

Annual mortgage origination volume and loan count in Alameda County, 2023–2025. Pick a window, export the graph or its data, or click a year to open every record behind it.

Lenders in Alameda County

Sort, filter, add columns, export, or open a row for the lender's card. Each row links to the lender's company page and to its Alameda County loan records. The panel states which source answered and exactly which lenders that source covers.

ORIGINATION FLOOR
Hide the long tail of lenders with only a handful of loans here.
FULL RECORD LIST FOR ALAMEDA COUNTY →

TOP TEN LENDERS IN ALAMEDA COUNTY · 10

The ten largest lenders by origination volume — the precomputed county leaderboard, not the whole market.

1–10 OF 10 LENDERS

Loading every lender that acted on an application in this county. The rows below are the precomputed county leaderboard — the ten largest by volume, not the whole market.

1,345$1.16B$1.16B originated in Alameda County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
921$1.11B$1.11B originated in Alameda County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,050$1.00B$1.00B originated in Alameda County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
910$990.2M$990.2M originated in Alameda County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,611$967.4M$967.4M originated in Alameda County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,424$922.3M$922.3M originated in Alameda County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
782$852.8M$852.8M originated in Alameda County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
713$592.5M$592.5M originated in Alameda County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
412$332.3M$332.3M originated in Alameda County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
363$316.3M$316.3M originated in Alameda County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—

Source: the precomputed county lender leaderboard (lender_county_year) — its ten largest lenders by origination volume, not the county. As of HMDA activity year 2025. Denial rate = denials / decisioned applications (originated + approved-but-not-accepted + denied).

ZIP areas in Alameda County

All 53 ZIP Code Tabulation Areas that touch Alameda County, built by grouping the county's census tracts through the Census 2020 crosswalk. A ZCTA approximates a USPS ZIP code; HMDA itself reports no postal geography, so each row opens the tracts behind it, where the records are exact.

TRACT FLOOR
Hide the ZIP areas that only clip a corner of this county.
53 OF 53 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1717 of the 21 Alameda County tracts this ZIP area touches sit mostly inside it.79,93784.8%12,092——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1616 of the 23 Alameda County tracts this ZIP area touches sit mostly inside it.77,15189.3%11,187——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1313 of the 16 Alameda County tracts this ZIP area touches sit mostly inside it.69,24877.2%14,397——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1414 of the 20 Alameda County tracts this ZIP area touches sit mostly inside it.67,23583.6%9,324——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1515 of the 19 Alameda County tracts this ZIP area touches sit mostly inside it.66,48490.0%13,424——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1414 of the 14 Alameda County tracts this ZIP area touches sit mostly inside it.64,11657.4%10,423——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 10 Alameda County tracts this ZIP area touches sit mostly inside it.63,39773.1%11,597——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 14 Alameda County tracts this ZIP area touches sit mostly inside it.55,36889.1%5,072——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 15 Alameda County tracts this ZIP area touches sit mostly inside it.53,63140.4%14,641——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 12 Alameda County tracts this ZIP area touches sit mostly inside it.50,20582.8%7,685——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 15 Alameda County tracts this ZIP area touches sit mostly inside it.49,84687.3%12,632——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 9 Alameda County tracts this ZIP area touches sit mostly inside it.47,52981.2%9,831——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 12 Alameda County tracts this ZIP area touches sit mostly inside it.45,83158.0%11,081——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 16 Alameda County tracts this ZIP area touches sit mostly inside it.45,37586.9%8,433——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 17 Alameda County tracts this ZIP area touches sit mostly inside it.44,00041.8%11,130——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 13 Alameda County tracts this ZIP area touches sit mostly inside it.40,76262.6%8,597——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 16 Alameda County tracts this ZIP area touches sit mostly inside it.39,55078.2%7,178——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 11 Alameda County tracts this ZIP area touches sit mostly inside it.38,63763.1%8,887——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 11 Alameda County tracts this ZIP area touches sit mostly inside it.37,95764.7%5,019——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 16 Alameda County tracts this ZIP area touches sit mostly inside it.36,90580.7%2,517——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 13 Alameda County tracts this ZIP area touches sit mostly inside it.36,29595.1%3,001——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 11 Alameda County tracts this ZIP area touches sit mostly inside it.35,07450.1%8,327——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 7 Alameda County tracts this ZIP area touches sit mostly inside it.34,19587.8%6,957——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1515 of the 17 Alameda County tracts this ZIP area touches sit mostly inside it.33,55075.3%3,752——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 15 Alameda County tracts this ZIP area touches sit mostly inside it.31,96849.2%5,591——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 9 Alameda County tracts this ZIP area touches sit mostly inside it.31,47387.7%6,637——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 16 Alameda County tracts this ZIP area touches sit mostly inside it.31,35564.4%6,250——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 11 Alameda County tracts this ZIP area touches sit mostly inside it.30,55764.4%1,083——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 10 Alameda County tracts this ZIP area touches sit mostly inside it.29,84080.7%5,906——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 10 Alameda County tracts this ZIP area touches sit mostly inside it.29,16496.2%3,602——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 10 Alameda County tracts this ZIP area touches sit mostly inside it.27,15963.8%7,706——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 12 Alameda County tracts this ZIP area touches sit mostly inside it.26,80668.8%7,203——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 5 Alameda County tracts this ZIP area touches sit mostly inside it.24,95682.6%5,639——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 10 Alameda County tracts this ZIP area touches sit mostly inside it.23,38651.9%2,992——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 7 Alameda County tracts this ZIP area touches sit mostly inside it.21,83148.8%3,478——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 11 Alameda County tracts this ZIP area touches sit mostly inside it.18,11654.5%3,726——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 12 Alameda County tracts this ZIP area touches sit mostly inside it.17,78451.2%3,728——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 11 Alameda County tracts this ZIP area touches sit mostly inside it.14,77635.8%3,404——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 10 Alameda County tracts this ZIP area touches sit mostly inside it.14,56236.5%3,684——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 6 Alameda County tracts this ZIP area touches sit mostly inside it.14,24975.8%2,489——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Alameda County tracts this ZIP area touches sit mostly inside it.14,16465.8%4,277——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 15 Alameda County tracts this ZIP area touches sit mostly inside it.12,69371.2%767——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 7 Alameda County tracts this ZIP area touches sit mostly inside it.12,58551.1%1,417——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 5 Alameda County tracts this ZIP area touches sit mostly inside it.9,88960.2%1,205——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 5 Alameda County tracts this ZIP area touches sit mostly inside it.9,61228.8%3,243——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 7 Alameda County tracts this ZIP area touches sit mostly inside it.9,28128.0%3,241——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 Alameda County tracts this ZIP area touches sit mostly inside it.8,27152.7%2,274——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Alameda County tract this ZIP area touches sit mostly inside it.2,37368.2%538——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 5 Alameda County tracts this ZIP area touches sit mostly inside it.1,04458.2%17——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Alameda County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Alameda County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Alameda County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Alameda County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.

378 of Alameda County’s 379 census tracts are grouped into the ZIP areas above; the other 1 lie in no ZCTA at all — water, parkland or unpopulated area the Census leaves outside every ZIP polygon — and are listed in the census-tract table below. The two add up to the county exactly, because each tract is counted once. A ZCTA — ZIP Code Tabulation Area — is the U.S. Census Bureau's area approximation of a USPS ZIP code, not the ZIP code itself. HMDA reports no postal geography at all, so these rows are census tracts grouped by the Census 2020 tract-to-ZCTA relationship file: each tract is counted once, in the single ZCTA covering the most of its land. Housing figures are HMDA tract attributes for activity year 2025, summed over the tracts each ZIP area owns — a ZIP area that owns no tract shows an em-dash, never a zero.

Census tracts in Alameda County

All 379 tracts, with the FFIEC income character and HMDA housing attributes of each. Open a tract for its own lender ranking, or open its records directly.

379 OF 379 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Upper191.9%3,03839.4%OPEN →
Upper196.4%2,00130.9%OPEN →
Upper155.6%5,50440.2%OPEN →
Upper171.2%4,11234.9%OPEN →
Middle107.6%3,64447.9%OPEN →
Middle92.8%1,78854.8%OPEN →
Moderate75.2%4,50859.1%OPEN →
Moderate78.0%3,91760.9%OPEN →
Moderate75.5%2,51459.3%OPEN →
Middle88.4%6,09764.1%OPEN →
Middle100.3%4,96654.5%OPEN →
Middle105.6%2,98944.7%OPEN →
Moderate74.9%5,88767.0%OPEN →
Low36.7%5,35573.4%OPEN →
Moderate64.2%2,66169.2%OPEN →
Low48.8%2,97173.0%OPEN →
Middle106.6%6,12169.6%OPEN →
Moderate61.1%1,98175.0%OPEN →
Low47.2%3,25073.0%OPEN →
Low27.0%2,45977.5%OPEN →
Low36.3%2,01080.0%OPEN →
Low34.4%1,22682.5%OPEN →
Middle83.3%1,82777.3%OPEN →
—0.0%2,94175.3%OPEN →
—0.0%1,45378.6%OPEN →
Low15.8%1,91770.8%OPEN →
Low25.6%3,00792.1%OPEN →
Middle94.8%1,69072.9%OPEN →
Low28.6%1,99990.7%OPEN →
Upper184.7%3,22060.8%OPEN →
Moderate54.1%3,03161.1%OPEN →
Low33.5%1,52469.6%OPEN →
Middle80.5%5,88064.2%OPEN →
Middle92.6%2,14853.6%OPEN →
Moderate69.4%4,71761.2%OPEN →
Middle92.7%2,78650.0%OPEN →
Upper129.9%2,14950.3%OPEN →
Upper147.5%3,71041.8%OPEN →
Upper134.6%3,94346.5%OPEN →
Moderate75.9%3,04947.8%OPEN →
Upper136.9%3,13938.0%OPEN →
Middle102.9%2,51638.4%OPEN →
Upper190.6%3,64136.6%OPEN →
Upper190.3%3,41633.8%OPEN →
Upper159.4%5,62140.5%OPEN →
Upper193.2%1,77133.8%OPEN →
Upper173.5%6,19436.9%OPEN →
Upper162.8%4,55135.4%OPEN →
Upper170.9%1,98237.5%OPEN →
Upper130.0%2,75754.8%OPEN →
Upper127.6%4,45848.8%OPEN →
Upper136.2%3,31338.5%OPEN →
Upper202.7%4,36336.9%OPEN →
Middle107.9%4,83960.7%OPEN →
Moderate69.1%2,99158.3%OPEN →
Middle91.2%2,79770.7%OPEN →
Low46.5%3,87582.0%OPEN →
Low46.2%3,17186.2%OPEN →
Moderate79.7%3,84477.9%OPEN →
Moderate68.7%3,22472.0%OPEN →
Moderate66.6%3,42383.1%OPEN →
Moderate51.2%4,32089.0%OPEN →
Low44.9%4,27993.3%OPEN →
Low36.9%3,18191.2%OPEN →
Low38.9%5,22378.4%OPEN →
Moderate52.9%5,88780.1%OPEN →
Low43.5%5,01994.3%OPEN →
Low36.8%4,76993.4%OPEN →
Low36.6%3,98988.4%OPEN →
Moderate78.6%2,21175.0%OPEN →
Low45.3%6,19690.5%OPEN →
Moderate59.1%4,83483.4%OPEN →
Moderate55.9%2,55484.0%OPEN →
Middle110.6%5,56752.4%OPEN →
Middle100.2%3,56961.0%OPEN →
Middle104.8%3,83963.7%OPEN →
Moderate55.1%6,07985.5%OPEN →
Low34.0%3,55891.3%OPEN →
Moderate55.5%4,38287.9%OPEN →
Low42.1%6,82392.3%OPEN →
Moderate54.2%3,94383.4%OPEN →
Moderate60.8%4,41296.8%OPEN →
Low29.1%4,38394.8%OPEN →
Moderate66.7%6,39083.5%OPEN →
Middle94.3%4,46571.2%OPEN →
Middle91.2%2,37368.2%OPEN →
Middle117.8%3,08162.5%OPEN →
Upper176.2%2,63047.5%OPEN →
Upper125.4%6,71266.1%OPEN →
Moderate79.1%4,47180.8%OPEN →
Middle109.8%4,79175.6%OPEN →
Moderate60.8%3,92795.7%OPEN →
Moderate52.8%5,75296.4%OPEN →
Low46.2%6,16794.9%OPEN →
Low39.6%7,77493.2%OPEN →
Low32.4%7,25793.8%OPEN →
Low38.2%3,85796.3%OPEN →
Moderate52.1%4,87992.5%OPEN →
Moderate50.5%2,47298.0%OPEN →
Low47.9%3,75597.3%OPEN →
Low42.5%5,70195.9%OPEN →
Low33.9%5,37996.6%OPEN →
Low37.4%4,39094.4%OPEN →
Low44.0%5,77797.5%OPEN →
Low41.1%5,52397.1%OPEN →
Middle82.7%3,22084.7%OPEN →
Upper130.3%3,54671.9%OPEN →
Middle103.2%3,03168.6%OPEN →
Moderate58.1%2,92589.4%OPEN →
Moderate54.3%3,67994.2%OPEN →
Low41.9%4,03698.2%OPEN →
Moderate75.4%4,14294.0%OPEN →
Low26.7%2,55383.3%OPEN →
Upper128.5%2,43644.9%OPEN →
Middle107.7%3,23463.4%OPEN →
Middle101.4%2,59368.2%OPEN →
Middle90.4%2,42657.8%OPEN →
Low41.3%1,59759.8%OPEN →
Low35.8%——OPEN →
Middle108.5%2,43154.8%OPEN →
Upper165.0%3,39937.4%OPEN →
Upper177.4%2,03130.7%OPEN →
Upper202.7%3,65727.5%OPEN →
Upper159.8%3,94529.5%OPEN →
Upper170.6%1,67925.3%OPEN →
Upper198.5%3,74527.5%OPEN →
Upper156.1%3,83629.1%OPEN →
Upper121.2%3,38639.3%OPEN →
Upper137.8%2,11031.3%OPEN →
Middle116.4%3,90141.5%OPEN →
Middle95.7%4,16058.4%OPEN →
Moderate79.7%2,84358.5%OPEN →
Middle100.5%3,32247.5%OPEN →
Upper124.4%3,81144.7%OPEN →
Moderate58.4%4,13459.0%OPEN →
Middle83.8%5,06552.5%OPEN →
Upper126.6%4,86851.4%OPEN →
—0.0%11,24572.9%OPEN →
Moderate50.5%2,32269.3%OPEN →
—0.0%3,03369.7%OPEN →
Middle90.0%4,67643.8%OPEN →
Moderate53.3%4,33552.0%OPEN →
Middle96.0%2,88664.6%OPEN →
Middle119.5%3,73855.2%OPEN →
Middle93.6%5,05755.7%OPEN →
Moderate64.7%3,47451.0%OPEN →
Middle113.4%2,82438.1%OPEN →
—0.0%5,61561.9%OPEN →
Upper202.7%4,23440.0%OPEN →
Upper188.8%3,21626.4%OPEN →
Middle112.7%2,03146.4%OPEN →
Upper162.3%1,46432.5%OPEN →
Middle87.5%4,14659.8%OPEN →
Middle82.4%2,48863.9%OPEN →
Middle109.2%1,85349.0%OPEN →
Middle112.3%3,75271.9%OPEN →
Upper162.7%2,92662.0%OPEN →
Middle89.9%4,37466.8%OPEN →
Upper202.7%6,36436.0%OPEN →
Upper202.7%4,91539.1%OPEN →
Upper136.7%4,06341.2%OPEN →
Middle84.1%4,36362.3%OPEN →
Middle91.8%5,71963.4%OPEN →
Moderate65.1%4,73075.3%OPEN →
Middle97.1%5,01652.9%OPEN →
Middle108.2%4,82750.5%OPEN →
Middle101.5%4,74450.1%OPEN →
Middle88.5%2,99767.1%OPEN →
Middle110.8%4,88047.6%OPEN →
Middle98.2%6,64450.1%OPEN →
Upper136.0%7,04469.4%OPEN →
Upper168.0%7,12062.1%OPEN →
Moderate73.7%4,64558.4%OPEN →
Middle91.4%3,33959.2%OPEN →
Middle109.0%3,39862.2%OPEN →
Middle112.5%4,75169.6%OPEN →
Upper148.5%6,74770.7%OPEN →
Upper146.3%2,55346.9%OPEN →
Upper132.8%7,47752.0%OPEN →
Upper127.3%3,94051.0%OPEN →
Upper153.5%2,20749.8%OPEN →
Moderate77.8%6,28972.7%OPEN →
Middle107.8%6,38560.9%OPEN →
Middle94.8%4,20957.8%OPEN →
Middle83.9%6,16563.3%OPEN →
Moderate69.7%5,13771.7%OPEN →
Moderate70.3%3,09170.4%OPEN →
Middle84.3%3,53770.7%OPEN →
Middle85.3%6,09162.9%OPEN →
Upper133.4%4,12162.7%OPEN →
Middle102.3%4,23167.5%OPEN →
Middle101.6%4,88581.5%OPEN →
Moderate65.0%6,27985.1%OPEN →
Moderate68.0%5,16185.3%OPEN →
Moderate66.8%4,64188.5%OPEN →
—0.0%4,35881.0%OPEN →
Moderate74.1%3,21478.7%OPEN →
Middle110.6%2,66059.8%OPEN →
Middle112.8%4,12168.3%OPEN →
Moderate75.9%4,17874.7%OPEN →
Middle88.8%4,12486.1%OPEN →
Moderate66.3%3,68287.9%OPEN →
Low49.7%4,12580.2%OPEN →
Moderate59.5%7,65286.0%OPEN →
Moderate79.7%7,44883.5%OPEN →
Middle110.5%6,64484.7%OPEN →
Middle84.1%4,55779.7%OPEN →
Moderate60.1%6,30781.4%OPEN →
Moderate74.5%3,51586.1%OPEN →
Moderate59.3%3,63788.7%OPEN →
Middle90.9%4,36589.0%OPEN →
Low47.6%6,83391.6%OPEN →
Low41.2%5,56487.7%OPEN →
Middle106.1%5,87075.8%OPEN →
Upper177.2%7,72673.3%OPEN →
Middle80.3%7,23087.5%OPEN →
Middle100.0%4,50477.2%OPEN →
Moderate64.9%5,07778.4%OPEN →
Moderate72.4%4,94080.9%OPEN →
Moderate68.6%4,10479.7%OPEN →
Moderate62.3%5,45488.3%OPEN →
Moderate66.8%5,70983.8%OPEN →
Moderate75.2%4,90482.9%OPEN →
Middle97.4%5,73579.7%OPEN →
Middle81.9%5,43174.1%OPEN →
Moderate74.3%5,04976.5%OPEN →
Middle98.9%5,74581.9%OPEN →
Low46.5%4,17690.5%OPEN →
Middle84.5%5,78591.3%OPEN →
Moderate73.7%3,90388.0%OPEN →
Middle117.7%3,00758.4%OPEN →
Middle90.5%4,28275.6%OPEN →
Middle111.5%3,60965.8%OPEN →
Moderate57.5%5,37285.7%OPEN →
Moderate67.3%6,76191.3%OPEN →
Moderate67.4%5,40292.5%OPEN →
Moderate68.9%3,68988.3%OPEN →
Middle89.6%4,34188.8%OPEN →
Moderate60.1%7,09991.4%OPEN →
Middle83.0%3,72683.9%OPEN →
Middle85.1%7,53290.3%OPEN →
Moderate78.7%4,55791.2%OPEN →
Moderate79.9%8,69683.4%OPEN →
Moderate61.3%3,35989.1%OPEN →
Moderate73.0%3,50887.9%OPEN →
Moderate63.5%4,79793.2%OPEN →
Middle89.0%3,39889.9%OPEN →
Moderate50.2%3,99194.6%OPEN →
Moderate51.4%4,40497.3%OPEN →
Middle107.9%4,78588.2%OPEN →
Moderate74.4%2,42690.0%OPEN →
Middle91.8%3,40976.3%OPEN →
Middle107.2%7,80786.5%OPEN →
Moderate69.5%4,75290.1%OPEN →
Middle103.8%4,20088.5%OPEN →
Moderate77.2%5,94086.6%OPEN →
Middle82.1%3,86593.6%OPEN →
Moderate76.3%2,46085.1%OPEN →
Middle81.0%2,65667.7%OPEN →
Moderate69.9%5,78695.3%OPEN →
Middle95.0%7,12987.2%OPEN →
Middle97.4%4,72693.2%OPEN →
Upper120.0%3,68289.1%OPEN →
Moderate78.9%4,02093.5%OPEN →
Middle87.0%4,45983.9%OPEN →
Middle95.7%5,94687.7%OPEN →
Middle88.8%3,32391.5%OPEN →
Upper143.7%3,03492.5%OPEN →
Middle109.2%2,78793.3%OPEN →
Middle101.8%4,08390.5%OPEN →
Middle101.4%4,58386.1%OPEN →
Upper177.4%2,70892.3%OPEN →
Upper129.9%4,30589.1%OPEN →
Upper122.6%4,50463.9%OPEN →
Upper126.4%7,27768.5%OPEN →
Middle106.7%3,24881.0%OPEN →
Upper146.7%5,66178.7%OPEN →
Middle118.3%7,31985.7%OPEN →
Upper139.7%5,29383.5%OPEN →
Upper139.4%5,91390.0%OPEN →
Upper159.4%7,76393.9%OPEN →
Upper180.0%5,77987.6%OPEN →
Upper133.6%4,86888.8%OPEN →
Upper130.0%4,16991.2%OPEN →
Upper164.6%4,04091.9%OPEN →
Middle102.4%1,63292.8%OPEN →
Upper124.9%4,64176.8%OPEN →
Middle106.0%7,22083.7%OPEN →
Upper144.8%3,84685.6%OPEN →
Middle103.6%5,72881.2%OPEN →
Upper138.5%7,19578.6%OPEN →
Middle114.7%3,71881.3%OPEN →
Middle101.0%6,33386.9%OPEN →
Upper132.9%7,61984.1%OPEN →
Middle83.3%3,83690.1%OPEN →
Middle107.8%4,31084.5%OPEN →
Middle103.3%3,39285.8%OPEN →
Upper125.1%3,46686.1%OPEN →
Upper150.1%3,23685.9%OPEN →
Upper163.4%5,26587.5%OPEN →
Upper164.3%7,45486.5%OPEN →
Middle108.8%5,04683.7%OPEN →
Middle92.5%6,41787.2%OPEN →
Middle113.7%6,34779.7%OPEN →
Middle98.5%3,54379.3%OPEN →
Middle87.2%3,97680.9%OPEN →
Upper130.3%3,85472.4%OPEN →
Middle90.7%5,31476.6%OPEN →
Upper149.1%3,14165.5%OPEN →
Upper120.9%2,95976.8%OPEN →
Middle115.4%7,66180.5%OPEN →
Middle96.4%2,88883.9%OPEN →
Middle95.7%6,65085.2%OPEN →
Upper163.7%4,94287.4%OPEN →
Upper185.6%3,97289.4%OPEN →
Upper146.7%5,90188.7%OPEN →
Upper165.8%4,68789.5%OPEN →
Upper191.9%3,55385.3%OPEN →
Upper157.4%4,13482.8%OPEN →
Middle106.6%3,51192.0%OPEN →
Upper150.0%3,19184.2%OPEN →
Middle112.7%7,70371.6%OPEN →
Middle115.0%6,45179.2%OPEN →
Middle118.3%3,61773.8%OPEN →
—0.0%5100.0%OPEN →
Middle103.5%7,20288.9%OPEN →
Moderate73.1%5,28284.1%OPEN →
Middle87.8%6,41485.8%OPEN →
Upper136.5%6,08379.5%OPEN →
Upper129.8%4,77785.9%OPEN →
Upper128.0%6,82577.4%OPEN →
Middle114.9%8,66076.9%OPEN →
Middle83.0%6,45666.1%OPEN →
Middle103.9%5,54858.5%OPEN →
Middle116.1%7,67564.7%OPEN →
Upper145.2%3,27852.2%OPEN →
Upper156.6%5,75463.5%OPEN →
Upper188.6%3,48051.2%OPEN →
Upper153.5%4,90555.9%OPEN →
Upper144.1%4,89846.9%OPEN →
Upper132.7%3,93747.3%OPEN →
Upper159.5%6,02651.3%OPEN →
Upper147.5%6,05456.9%OPEN →
Upper202.7%4,14158.2%OPEN →
Upper138.9%4,84952.6%OPEN →
Upper188.4%8,27152.7%OPEN →
Middle118.7%5,48248.5%OPEN →
Upper137.3%5,43948.5%OPEN →
Upper121.9%8,90182.4%OPEN →
Upper153.7%5,98752.0%OPEN →
Upper176.6%6,37470.0%OPEN →
Upper158.1%3,23848.9%OPEN →
Middle108.7%6,79082.2%OPEN →
Upper202.7%12,41188.3%OPEN →
Upper195.8%9,84685.7%OPEN →
Upper202.7%3,95531.3%OPEN →
Upper198.8%1,48035.1%OPEN →
Upper146.2%7,02851.0%OPEN →
Middle96.7%7,27148.7%OPEN →
Middle120.0%5,78152.5%OPEN →
Middle115.3%6,43541.1%OPEN →
Middle96.4%6,05346.1%OPEN →
Middle118.4%2,17545.5%OPEN →
Moderate76.2%6,61366.5%OPEN →
Upper127.6%4,92041.1%OPEN →
Upper121.2%6,52045.7%OPEN →
Middle117.6%1,65746.4%OPEN →
Upper162.6%3,17730.0%OPEN →
Middle87.4%3,12356.3%OPEN →
Upper152.0%5,00332.3%OPEN →
Upper121.4%6,63134.2%OPEN →
Upper123.2%3,27041.6%OPEN →
Upper140.6%3,95241.3%OPEN →
Upper121.5%4,57238.3%OPEN →
—0.0%230.0%OPEN →
—0.0%20662.1%OPEN →
—0.0%1,04458.2%OPEN →
Upper171.3%83449.8%OPEN →
—0.0%——OPEN →

Source: FFIEC census-tract file (income level, MSA, urban/rural) and HMDA tract attributes (population, minority share, housing units), latest loaded activity year. The whole county is listed — the table is filtered and paged in the browser over the complete set, never a server-side slice of it.

Housing & households

U.S. Census American Community Survey 2024 estimates — the demand side behind the lending figures above.

Population

1,649,473

Median household income

$129,367

Median home value

$1,090,100

Median gross rent

$2,357

per month

Owner-occupied

54.4%

of occupied units

Housing units

637,212

6.1% vacant

Poverty rate

9.2%

Unemployment

5.4%

Natural-hazard exposure

FEMA National Risk Index ratings for this county — expected annual loss, social vulnerability and community resilience, plus the individual perils rated Relatively High or above.

Overall risk

Very High

score 99.8

Social vulnerability

Relatively Low

Community resilience

Very High

ELEVATED PERILS

Inland flooding Very High · Coastal flooding Relatively High · Wildfire Relatively High · Earthquake Very High · Heat wave Relatively High · Landslide Relatively High

Federal disaster history

Months in which a FEMA disaster declaration was active in this county, from the declarations series.

Months with an active declaration

85

Declarations recorded

24

Incident types on record: Biological, Coastal Storm, Drought, Earthquake, Fire, Flood, Freezing, Hurricane, Severe Storm.

Everything we hold on Alameda County

12 data areas have rows for this county. Each one is one click away below; the 18 we checked and did not find at county grain are named at the end with the reason.

LOAN-LEVEL

The individual HMDA application and origination records behind every figure on this page, pre-filtered to Alameda County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Alameda County →Every reported application and origination in FIPS 06001, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Alameda County by fiscal year — the veteran channel, which HMDA counts but does not separate from the rest of the government book at this grain.

VA Loan Guaranty geographic loan volume (va_geo_loan_volume, county_fips), folded to fiscal year

VA loans · FY2026

270

—

Purchase share

43.0%

116 loans

IRRRL refinances

107

Cash-out refinances

47

2026270—11610747
2025240—1375944
2024138—891633
2023169—130237
2022——177126198
20211,675—2061,199270
20201,467—245946276
2019517—192114211
2018558—174100284
20171,007—271327409
20161,152—277496379
20151,020—296425299

The most recent fiscal year is partial until VA closes it. This file carries no lender key, so VA volume cannot be attributed to a company.

BUILDING PERMITS

New residential units authorised in Alameda County — the supply-side leading indicator that runs ahead of purchase originations.

Census Building Permits Survey county series (census_building_permits, geo_id at geo_level 'county')

HOUSING SUPPLY · CENSUS BUILDING PERMITS

Alameda County building permits

New privately-owned housing units authorized by building permits — the supply-side leading indicator that runs ahead of housing starts and the purchase-origination pipeline. Single-family (SF, 1-unit) vs. multifamily (MF, 2+ units), by year.

Single-family · 2025

1,117

+35.2% vs 2024

Multifamily · 2025

1,661

+81.1% vs 2024

Total authorized · 2025

2,778

+59.4% vs 2024

Permit valuation · 2025

$828.6M

authorized construction value

Units authorized by year

Alameda County · total permitted units · hover for the single-family split

UNITS · SF IN TOOLTIP
02.5K5K7.5K10K19901992199419961998200020022004200620082010201220142016201820202022202420252,778 units

Source: U.S. Census Bureau Building Permits Survey (BPS), imputed totals (the published “units authorized” headline). SF = 1-unit; MF = 2+ units. Public no-login Census data. Attribution.

MIGRATION & WEALTH

IRS county-to-county migration flows for Alameda County, showing population movement and wealth transfer.

IRS county-to-county migration flows (irs_county_migration, self_geoid)

outflow2223Contra Costa County, CA7,14112,831$1.01B
inflow2223Santa Clara County, CA6,57811,226$1.26B
inflow2223Contra Costa County, CA4,8717,605$628.8M
outflow2223Santa Clara County, CA4,6347,373$742.5M
inflow2223San Francisco County, CA3,9385,527$642.9M
outflow2223San Francisco County, CA3,4594,335$503.8M
outflow2223San Joaquin County, CA3,0926,832$331.8M
inflow2223San Mateo County, CA2,4984,032$361.5M
outflow2223Los Angeles County, CA2,1182,749$227.9M
outflow2223San Mateo County, CA2,0263,205$301.6M
inflow2223Los Angeles County, CA2,0232,581$182.7M
outflow2223Sacramento County, CA1,5922,736$151.5M
outflow2223Other flows - South, DS1,5662,727$168.3M
inflow2223San Joaquin County, CA1,5282,692$114.3M
inflow2223Other flows - South, DS1,1681,717$89.4M
inflow2223Sacramento County, CA1,0271,527$78.0M
outflow2223Foreign - Overseas, FR1,0221,723$146.7M
outflow2223San Diego County, CA1,0191,498$138.8M
outflow2223Solano County, CA9951,664$85.5M
outflow2223King County, WA8461,172$123.0M
outflow2223Other flows - Midwest, DS8251,347$86.8M
inflow2223San Diego County, CA7891,043$70.1M
outflow2223Stanislaus County, CA7671,436$63.7M
outflow2223Orange County, CA7291,127$120.5M
inflow2223Other flows - Midwest, DS6971,045$59.0M
inflow2223Solano County, CA6901,126$43.7M
outflow2223Other flows - West, DS6781,071$73.7M
inflow2223Other flows - West, DS666964$48.1M
inflow2223Orange County, CA638879$68.4M
outflow2223Other flows - Northeast, DS594955$77.8M
inflow2223King County, WA573815$83.0M
outflow2223New York County, NY555630$70.4M
outflow2223Clark County, NV555882$63.8M
outflow2223Sonoma County, CA540879$80.1M
outflow2223Placer County, CA5361,038$80.8M
inflow2223Other flows - Northeast, DS520734$49.6M
inflow2223Stanislaus County, CA495823$33.1M
outflow2223Maricopa County, AZ448693$52.1M
outflow2223Marin County, CA424661$94.4M
outflow2223Kings County, NY412472$51.5M
outflow2223Multnomah County, OR366488$39.2M
inflow2223Cook County, IL365505$39.5M
outflow2223Travis County, TX361595$57.1M
inflow2223Foreign - Overseas, FR360593$43.9M
inflow2223Marin County, CA355484$45.7M
outflow2223Cook County, IL351451$39.7M
inflow2223Sonoma County, CA334462$30.8M
inflow2223Riverside County, CA308420$21.0M
outflow2223Riverside County, CA307463$30.2M
inflow2223Maricopa County, AZ289424$26.2M
inflow2223Clark County, NV286478$21.8M
outflow2223Washoe County, NV281408$41.0M
outflow2223Harris County, TX276513$32.5M
inflow2223Middlesex County, MA265347$30.5M
inflow2223New York County, NY263312$50.7M
inflow2223Kings County, NY259349$27.8M
outflow2223Middlesex County, MA254343$31.4M
outflow2223Fresno County, CA250415$20.1M
inflow2223Fresno County, CA245376$16.4M
outflow2223Yolo County, CA243364$19.7M
inflow2223Yolo County, CA242314$16.3M
inflow2223Santa Cruz County, CA242302$16.5M
outflow2223Santa Cruz County, CA236337$27.8M
outflow2223Dallas County, TX233358$21.5M
outflow2223Collin County, TX232527$55.7M
inflow2223San Bernardino County, CA229336$15.5M
outflow2223Williamson County, TX215523$52.0M
outflow2223San Bernardino County, CA209334$17.6M
outflow2223District of Columbia, DC201236$18.7M
inflow2223Harris County, TX196284$15.9M
inflow2223Multnomah County, OR193249$21.4M
outflow2223El Dorado County, CA183341$30.8M
inflow2223Travis County, TX182249$22.3M
inflow2223Monterey County, CA181258$12.5M
outflow2223Honolulu County, HI180285$18.4M
outflow2223Merced County, CA178329$10.2M
inflow2223Honolulu County, HI171242$12.4M
outflow2223Monterey County, CA170256$29.6M
outflow2223Wake County, NC162355$28.2M
inflow2223Placer County, CA161249$16.7M
inflow2223District of Columbia, DC160200$19.4M
inflow2223Ventura County, CA158227$16.2M
outflow2223Napa County, CA152235$27.0M
outflow2223Nevada County, CA151220$27.9M
inflow2223Suffolk County, MA142172$14.2M
inflow2223Washoe County, NV142207$15.6M
outflow2223Santa Barbara County, CA142190$14.7M
outflow2223Fulton County, GA139233$20.0M
outflow2223Ada County, ID136240$16.7M
inflow2223Queens County, NY133188$10.0M
outflow2223Denver County, CO133169$18.6M
inflow2223Dallas County, TX130203$21.2M
outflow2223Ventura County, CA129198$14.2M
inflow2223Merced County, CA126206$6.2M
outflow2223Denton County, TX123252$20.2M
outflow2223Washington County, OR121196$15.8M
outflow2223Queens County, NY119150$12.8M
outflow2223San Luis Obispo County, CA119209$19.4M
inflow2223Kern County, CA118184$6.4M
inflow2223Santa Barbara County, CA117154$9.9M
outflow2223Tarrant County, TX117208$14.1M
outflow2223Suffolk County, MA114134$11.4M
inflow2223San Luis Obispo County, CA111136$7.9M
inflow2223Collin County, TX111198$13.0M
outflow2223Bexar County, TX110179$10.1M
outflow2223Miami-Dade County, FL108165$13.3M
inflow2223El Dorado County, CA104139$14.8M
inflow2223Denver County, CO104140$11.5M
outflow2223Hudson County, NJ104128$16.6M
outflow2223Butte County, CA104153$6.5M
outflow2223Salt Lake County, UT101154$11.5M
outflow2223Kern County, CA101178$6.0M
inflow2223Fulton County, GA100124$9.3M
inflow2223Salt Lake County, UT99154$10.0M
inflow2223Montgomery County, MD98140$10.1M
inflow2223Napa County, CA98139$11.4M
outflow2223Mecklenburg County, NC98150$11.8M
outflow2223Pierce County, WA95170$11.7M
outflow2223Philadelphia County, PA93126$9.9M
inflow2223Washtenaw County, MI93128$8.3M
inflow2223Oakland County, MI90159$12.7M
outflow2223Snohomish County, WA89159$18.4M
inflow2223Hudson County, NJ87143$18.3M
outflow2223Montgomery County, MD86144$12.0M
inflow2223Philadelphia County, PA86104$7.7M
inflow2223Washington County, OR84149$13.9M
outflow2223Fairfax County, VA83139$10.4M
outflow2223Shasta County, CA82132$7.9M
inflow2223Miami-Dade County, FL82126$11.0M
outflow2223Fort Bend County, TX81187$11.3M
inflow2223Butte County, CA80129$4.0M
outflow2223Pima County, AZ79121$7.3M
inflow2223Hennepin County, MN78124$8.7M
outflow2223Tuolumne County, CA77114$9.1M
outflow2223Hennepin County, MN76111$12.1M
inflow2223Fairfax County, VA74126$9.5M
inflow2223Wake County, NC73136$9.6M
outflow2223Calaveras County, CA73130$13.6M
inflow2223Tulare County, CA73106$5.2M
inflow2223Dane County, WI7091$6.8M
outflow2223Allegheny County, PA70104$8.6M
outflow2223Boulder County, CO69101$11.0M
outflow2223Davidson County, TN6889$5.8M
outflow2223Lane County, OR6697$5.9M
outflow2223Tulare County, CA66122$4.9M
outflow2223Clark County, WA6597$7.9M
inflow2223Humboldt County, CA6583$3.0M
outflow2223Humboldt County, CA6471$4.1M
outflow2223Oakland County, MI64113$9.0M
inflow2223Pima County, AZ6490$5.1M
inflow2223Franklin County, OH6287$5.4M
outflow2223Broward County, FL62100$6.9M
inflow2223Mecklenburg County, NC6189$6.8M
inflow2223Wayne County, MI6091$5.6M
inflow2223Allegheny County, PA6081$7.0M
inflow2223Snohomish County, WA60107$8.2M
inflow2223Nevada County, CA6083$7.9M
outflow2223Orange County, FL59101$5.7M
outflow2223Mendocino County, CA5986$6.4M
inflow2223Tarrant County, TX5999$6.2M
inflow2223Boulder County, CO5673$6.0M
outflow2223El Paso County, CO56105$6.7M
inflow2223Middlesex County, NJ5596$6.0M
outflow2223Dane County, WI5573$4.5M
inflow2223Williamson County, TX55100$8.6M
outflow2223Jefferson County, CO5478$8.4M
outflow2223DeKalb County, GA5477$6.2M
outflow2223Wayne County, MI54104$6.1M
inflow2223Pierce County, WA5480$3.9M
outflow2223Arapahoe County, CO5490$4.8M
outflow2223Bernalillo County, NM5380$4.6M
inflow2223Broward County, FL5382$5.4M
inflow2223Bernalillo County, NM5373$4.8M
inflow2223Norfolk County, MA5274$7.1M
outflow2223Franklin County, OH5278$4.8M
outflow2223Gwinnett County, GA52102$5.1M
inflow2223Foreign - Other flows, FR5287$3.4M
inflow2223Westchester County, NY5170$7.3M
inflow2223Hillsborough County, FL5178$3.5M
inflow2223St. Louis County, MO5082$5.4M
outflow2223Washtenaw County, MI5070$5.3M
outflow2223Cuyahoga County, OH5072$5.0M
outflow2223Jackson County, OR5069$5.8M
inflow2223Bexar County, TX5080$3.8M
inflow2223DeKalb County, GA4975$3.9M
outflow2223Hillsborough County, FL4985$6.9M
inflow2223Cuyahoga County, OH4966$5.8M
outflow2223Palm Beach County, FL4981$11.4M
outflow2223Foreign - APO/FPO ZIPs, FR4875$2.6M
outflow2223Baltimore city, MD4868$2.5M
inflow2223Orange County, FL4858$3.6M
outflow2223Deschutes County, OR4881$11.6M
inflow2223Arapahoe County, CO4767$4.2M
outflow2223Amador County, CA4775$8.4M
inflow2223Champaign County, IL4755$3.1M
inflow2223Prince George's County, MD4667$3.5M
outflow2223Montgomery County, TX4685$7.9M
outflow2223Clackamas County, OR4687$7.3M
outflow2223Arlington County, VA4558$7.3M
inflow2223Davidson County, TN4562$4.2M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Alameda County.

FHFA UAD aggregate statistics (uad_aggregate_county, geoid) and appraisal-level public use file (uad_puf, county_fips)

2023PurchaseNo CharacteristicAll Appraisals6,657.0
2023PurchaseNo CharacteristicAll Appraisals0.6
2023RefinanceNo CharacteristicAll Appraisals2,059.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals8,716.0
2023PurchaseNo CharacteristicAll Appraisals0.3
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals1,255,000.0
2023BothNo CharacteristicAll Appraisals1,223,500.0
2023PurchaseNo CharacteristicAll Appraisals1,210,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals1,330,000.0
2022PurchaseNo CharacteristicAll Appraisals0.6
2022PurchaseNo CharacteristicAll Appraisals1,300,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals6,416.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.4
2022RefinanceNo CharacteristicAll Appraisals1,400,000.0
2022BothNo CharacteristicAll Appraisals15,855.0
2022PurchaseNo CharacteristicAll Appraisals9,439.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals1,350,000.0
2021BothNo CharacteristicAll Appraisals43,746.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals12,956.0
2021PurchaseNo CharacteristicAll Appraisals0.6
2021RefinanceNo CharacteristicAll Appraisals30,790.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals1,325,000.0
2021PurchaseNo CharacteristicAll Appraisals0.3
2021PurchaseNo CharacteristicAll Appraisals1,240,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals45,785.0
2020PurchaseNo CharacteristicAll Appraisals10,197.0
2020PurchaseNo CharacteristicAll Appraisals0.3
2020BothNo CharacteristicAll Appraisals1,155,000.0
2020RefinanceNo CharacteristicAll Appraisals1,180,000.0
2020RefinanceNo CharacteristicAll Appraisals35,588.0
2020PurchaseNo CharacteristicAll Appraisals1,040,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.6
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals986,500.0
2019PurchaseNo CharacteristicAll Appraisals9,816.0
2019PurchaseNo CharacteristicAll Appraisals0.6
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals1,010,000.0
2019BothNo CharacteristicAll Appraisals30,434.0
2019RefinanceNo CharacteristicAll Appraisals20,618.0
2019PurchaseNo CharacteristicAll Appraisals935,000.0
2019PurchaseNo CharacteristicAll Appraisals0.4
2018RefinanceNo CharacteristicAll Appraisals900,000.0
2018BothNo CharacteristicAll Appraisals20,347.0
2018PurchaseNo CharacteristicAll Appraisals10,152.0
2018RefinanceNo CharacteristicAll Appraisals10,195.0
2018BothNo CharacteristicAll Appraisals925,000.0
2018PurchaseNo CharacteristicAll Appraisals945,000.0
2018PurchaseNo CharacteristicAll Appraisals0.4
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.5
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals820,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.5
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals25,480.0
2017PurchaseNo CharacteristicAll Appraisals10,164.0
2017PurchaseNo CharacteristicAll Appraisals850,000.0
2017RefinanceNo CharacteristicAll Appraisals15,316.0
2017PurchaseNo CharacteristicAll Appraisals0.3
2017BothNo CharacteristicAll Appraisals830,000.0
2016PurchaseNo CharacteristicAll Appraisals9,004.0
2016RefinanceNo CharacteristicAll Appraisals775,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals740,000.0
2016PurchaseNo CharacteristicAll Appraisals0.4
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals767,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.5
2016BothNo CharacteristicAll Appraisals40,910.0
2016RefinanceNo CharacteristicAll Appraisals31,906.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals693,600.0
2015PurchaseNo CharacteristicAll Appraisals0.5
2015RefinanceNo CharacteristicAll Appraisals710,000.0
2015BothNo CharacteristicAll Appraisals35,542.0
2015RefinanceNo CharacteristicAll Appraisals26,580.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015PurchaseNo CharacteristicAll Appraisals0.3
2015PurchaseNo CharacteristicAll Appraisals8,962.0
2015BothNo CharacteristicAll Appraisals705,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals640,000.0

ECONOMY & INCOME

Local economy indicators — BLS unemployment rates and BEA personal income for Alameda County.

BLS Local Area Unemployment Statistics (bls_laus_county_month, geoid) and BEA personal income (bea_county_income, geo_fips)

BLS Local Area Unemployment

2026-05851,367818,75232,6153.8%
2026-04856,182821,08935,0934.1%
2026-03863,968827,16036,8084.3%
2026-02866,931827,75839,1734.5%
2026-01859,556819,65739,8994.6%
2025-12871,593833,43638,1574.4%
2025-11875,254833,71741,5374.7%
2025-09879,023835,87743,1464.9%
2025-08874,443829,58644,8575.1%
2025-07877,297832,84844,4495.1%
2025-06869,204827,22841,9764.8%
2025-05866,775830,07236,7034.2%
2025-04868,335831,12437,2114.3%
2025-03878,051838,90839,1434.5%
2025-02874,499834,70439,7954.6%
2025-01871,727831,27040,4574.6%
2024-12870,125832,83937,2864.3%
2024-11871,754831,87239,8824.6%
2024-10871,370831,39839,9724.6%
2024-09873,365834,49238,8734.5%
2024-08873,724830,26243,4625.0%
2024-07878,031834,92443,1074.9%
2024-06868,180828,64639,5344.6%
2024-05865,720832,86732,8533.8%
2024-04865,632831,69733,9353.9%
2024-03873,147836,14737,0004.2%
2024-02870,745832,51938,2264.4%
2024-01866,933828,35638,5774.4%
2023-12868,791833,54235,2494.1%
2023-11874,841838,78736,0544.1%
2023-10871,918834,82237,0964.3%
2023-09874,509838,55635,9534.1%
2023-08873,987836,06137,9264.3%
2023-07872,841838,01334,8284.0%
2023-06864,025830,34133,6843.9%
2023-05864,894836,20128,6933.3%
2023-04864,016836,70427,3123.2%
2023-03872,653842,38130,2723.5%
2023-02867,348836,54030,8083.6%
2023-01860,176830,26329,9133.5%
2022-12859,684834,79824,8862.9%
2022-11860,666833,94426,7223.1%
2022-10861,079834,69126,3883.1%
2022-09861,116836,06725,0492.9%
2022-08860,878833,06627,8123.2%
2022-07858,787832,08726,7003.1%
2022-06856,426829,22527,2013.2%
2022-05855,874833,39222,4822.6%
2022-04850,717825,77224,9452.9%
2022-03864,291835,66828,6233.3%
2022-02860,412828,31032,1023.7%
2022-01856,388820,11136,2774.2%
2021-12854,711821,96832,7433.8%
2021-11855,416819,33836,0784.2%
2021-10853,132812,86640,2664.7%
2021-09852,439810,24842,1914.9%
2021-08852,819802,65650,1635.9%
2021-07854,909801,92752,9826.2%
2021-06848,282791,60956,6736.7%
2021-05843,403792,87950,5246.0%
2021-04840,446785,38355,0636.6%
2021-03844,869788,43656,4336.7%
2021-02841,770782,80258,9687.0%
2021-01837,347775,99361,3547.3%
2020-12843,170781,00162,1697.4%
2020-11844,830780,88863,9427.6%
2020-10849,717782,47367,2447.9%
2020-09852,987775,47677,5119.1%
2020-08854,512773,19081,3229.5%
2020-07861,777763,73098,04711.4%
2020-06861,039755,933105,10612.2%
2020-05838,400725,878112,52213.4%
2020-04845,918726,651119,26714.1%
2020-03883,513846,63436,8794.2%
2020-02896,442871,46224,9802.8%
2020-01888,259861,83426,4253.0%
2019-12892,395869,73522,6602.5%
2019-11890,948867,10523,8432.7%
2019-10890,763866,69924,0642.7%
2019-09892,207869,07323,1342.6%
2019-08890,014863,11726,8973.0%
2019-07894,653866,63128,0223.1%
2019-06884,520858,27626,2443.0%
2019-05882,830861,09821,7322.5%
2019-04880,849858,44422,4052.5%
2019-03892,954866,06426,8903.0%
2019-02893,161866,55826,6033.0%
2019-01886,269856,36229,9073.4%
2018-12891,499866,44825,0512.8%
2018-11891,327866,38124,9462.8%
2018-10891,046865,57725,4692.9%
2018-09891,444866,48324,9612.8%
2018-08887,999860,89327,1063.1%
2018-07895,597868,19427,4033.1%
2018-06888,121860,53527,5863.1%
2018-05886,596864,57622,0202.5%
2018-04883,093859,22223,8712.7%
2018-03890,306864,12926,1772.9%
2018-02888,866861,19527,6713.1%
2018-01880,403851,52228,8813.3%

BEA Personal Income

2024$183.49B1,649,060$111K
2023$171.12B1,638,142$104K
2022$163.75B1,635,693$100K
2021$162.18B1,643,856$99K
2020$148.20B1,680,614$88K
2019$134.68B1,683,879$80K
2018$124.67B1,680,392$74K
2017$115.79B1,671,949$69K
2016$108.33B1,661,218$65K
2015$101.23B1,643,103$62K
2014$92.04B1,614,744$57K
2013$85.78B1,584,943$54K
2012$81.44B1,557,493$52K
2011$77.30B1,532,981$50K
2010$72.08B1,513,413$48K
2009$68.77B1,498,539$46K
2008$71.42B1,477,208$48K
2007$69.51B1,455,715$48K
2006$66.58B1,444,484$46K
2005$61.87B1,441,545$43K
2004$59.96B1,445,721$41K
2003$58.13B1,454,163$40K
2002$57.11B1,462,106$39K
2001$57.74B1,469,484$39K
2000$56.28B1,449,840$39K
1999$48.99B1,427,114$34K
1998$44.96B1,405,903$32K
1997$41.13B1,380,383$30K
1996$38.83B1,359,099$29K
1995$36.23B1,346,548$27K
1994$34.14B1,341,707$25K
1993$33.10B1,339,189$25K
1992$32.11B1,332,208$24K
1991——$23K

NFIP FLOOD CLAIMS

FEMA National Flood Insurance Program (NFIP) realised flood loss claims in Alameda County.

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-01-04$6K$6K$0Yes
2025-12-25$33K$29K$3KYes
2025-12-22$0$0$0Yes
2024-12-14$0$0$0Yes
2024-03-06$500K$500K$0No
2024-01-22$0$0$0Yes
2024-01-20$0——Yes
2024-01-16$0——Yes
2023-08-16$0——Yes
2023-05-27$0——Yes
2023-05-06$0——Yes
2023-03-24$0——Yes
2023-03-22$0$0$0Yes
2023-03-21$0——Yes
2023-03-21$0$0$0Yes
2023-03-20$0$0$0Yes
2023-03-10$2K$2K$0Yes
2023-03-09$4K$4K$0Yes
2023-03-01$0$0$0Yes
2023-01-20$0——Yes
2023-01-18$10K$10K$0Yes
2023-01-16$20K$16K$4KYes
2023-01-16$79K$79K$0No
2023-01-16$0$0$0No
2023-01-16$4K$4K$0Yes
2023-01-16$0——Yes
2023-01-16$0$0$0No
2023-01-14$2K$2K$0Yes
2023-01-12$24K$24K$0Yes
2023-01-10$0$0$0Yes
2023-01-09$59K$59K$0No
2023-01-09$8K$8K$0Yes
2023-01-08$0——Yes
2023-01-05$1K$975.14$499.95Yes
2023-01-05$1K$1K$0Yes
2023-01-02$11K$11K$0Yes
2023-01-02$38K$38K$0Yes
2023-01-01$0$0$0Yes
2023-01-01$13K$9K$4KYes
2023-01-01$7K$5K$3KYes
2023-01-01$38K$38K$0No
2023-01-01$0$0$0Yes
2023-01-01$29K$27K$1KYes
2022-12-31$0——Yes
2022-12-31$7K$7K$0Yes
2022-12-31$59K$55K$4KYes
2022-12-31$13K$12K$879.4Yes
2022-12-31$0——Yes
2022-12-31$12K$12K$0No
2022-12-31$40K$32K$8KYes
2022-12-31$14K$14K$0Yes
2022-12-31$239K$239K$0No
2022-12-31$10K$10K$0Yes
2022-12-31$24K$21K$4KYes
2022-12-31$0$0$0No
2022-12-31$82K$79K$3KYes
2022-12-31$104K$104K$0Yes
2022-12-31$0——Yes
2022-12-31$6K$6K$0Yes
2022-12-31$0——Yes
2022-12-31$41K$27K$14KYes
2022-12-31$21K$16K$4KYes
2022-12-31$3K$3K$0Yes
2022-12-31$60K$60K$0Yes
2022-12-31$15K$15K$0Yes
2022-12-31$35K$35K$0Yes
2022-12-31$0$0$0No
2022-12-31$5K$5K$0Yes
2022-12-31$29K$27K$2KYes
2022-12-31$20K$20K$529Yes
2022-12-31$31K$30K$1KYes
2022-12-31$26K$21K$5KYes
2022-12-31$42K$42K$0Yes
2022-12-31$48K$31K$18KYes
2022-12-31$0$0$0Yes
2022-12-31$28K$28K$0Yes
2022-12-30$8K$8K$0Yes
2022-12-30$84K$76K$8KYes
2022-12-30$11K$11K$0Yes
2022-12-30$0——Yes
2022-12-30$1K$1K$0Yes
2022-12-30$24K$24K$0Yes
2022-12-30$0$0$0Yes
2022-12-30$28K$16K$11KYes
2022-12-26$0$0$0Yes
2022-01-31$0$0$0Yes
2021-12-13$7K$7K$0Yes
2021-10-27$0$0$0Yes
2021-10-25$46K$46K$0Yes
2021-10-24$10K$10K$0Yes
2021-10-24$0——Yes
2021-10-24$3K$3K$0Yes
2021-10-24$17K$17K$0No
2021-10-24$8K$8K$0Yes
2020-07-25$0$0$0Yes
2019-03-02$0——No
2019-03-02$0——No
2019-03-02$0——No
2019-02-14$12K$9K$3KYes
2018-04-11$0——Yes

ALSO CHECKED

18 more data areas were checked for Alameda County and did not earn a tab. A missing tab and an unasked question look the same on screen, so each one is named with the reason it is missing.

  • WRONG GRAIN
    FHA

    FHA Neighborhood Watch DOES publish county rows, but keys them on a free-text county NAME (“CHITTENDEN|VT”), not a FIPS code, and the single-family endorsement snapshot's property_county is likewise free text. Joining either to a county FIPS by name would attribute one county's delinquency to another wherever a name repeats, so FHA is a state-grain tab only until a curated name→FIPS crosswalk exists

  • WRONG GRAIN
    Fannie / Freddie

    the FHFA public-use database publishes single-family acquisitions at STATE and CENSUS-TRACT grain; no county rollup is published or loaded, and rolling tracts up to counties would double-count the tracts that straddle a county line

  • WRONG GRAIN
    GSE credit-risk transfer

    CAS and STACR loan-level disclosures publish PROPERTY STATE and a 3-digit zip; neither carries a county code, so credit-risk-transfer collateral cannot be attributed to a county

  • WRONG GRAIN
    Ginnie Mae

    Ginnie Mae's loan-level disclosure publishes PROPERTY STATE and nothing finer — there is no county, ZIP or tract field in the file, so agency-pool collateral has no county grain at all. The same is true of the UMBS pool file (fhfa_mbs_pool), which carries only CA/NY/FL/TX/PR concentration percentages

  • WRONG GRAIN
    Housing finance agency

    a housing finance agency is a STATE-chartered body — county is not a grain it has. Its programmes reach counties, but the agency itself is one row per state: hfa_agency is keyed on state_code and carries no county column, and there is no county-level agency underneath it to aggregate from

  • WRONG GRAIN
    CUSO network

    the NCUA CUSO Registry publishes a CUSO's city and STATE and no county at all (cuso_registry, migration 0195). A county FIPS does exist on the member-credit-union side (cuso_credit_union_link.cu_county_fips), but it is the CREDIT UNION'S CHARTER ADDRESS — where the institution is registered, not where the mortgage service it buys is delivered — so a county tab built on it would pin a statewide, often multi-state, service relationship onto the one county a charter document happens to name

  • WRONG GRAIN
    Subservicing map

    the same absence, one grain finer: subservicing_relationships holds no property or collateral column at all, so there is nothing to aggregate to a county. Where a client is a state HFA, the state housing finance agency area on this hub carries that agency and its named master servicer at its own state grain

  • WRONG GRAIN
    Co-issue MSR

    the same absence, and worse at county grain: Ginnie's loan-level disclosure publishes property STATE and nothing finer — no county, ZIP or tract field exists in the file — so even the collateral split that is rejected above at state grain is not available here at all

  • WRONG GRAIN
    MSR transfer graph

    the same absence at a finer grain, with no additional route to one: ginnie_servicing_transfers has no county column and the Ginnie loan-level disclosure it would have to be joined to publishes property state and nothing finer — no county, ZIP or tract field exists in either file

  • WRONG GRAIN
    Builder & realtor JV

    the same absence, one grain finer: the affiliation corpus has no geographic column at all, so nothing can be aggregated to a county. The affiliate lender's actual county-level originations are on the HMDA area of the county hub, keyed on the lender rather than on its parent

  • WRONG GRAIN
    Non-QM deal calendar

    the same structural gap, one grain finer: a 144A non-QM deal publishes no asset-level file at all, so there is no loan, no property and therefore no county to attribute anything to. This is the one absence on this hub that no future load can close

  • WRONG GRAIN
    Agency-MBS demand

    the same absence, and Ginnie's disclosure has no county field at any grain, so even the collateral allocation that is rejected above at state grain cannot be computed here

  • WRONG GRAIN
    Complaints-rate stack

    the same broken denominator, plus a numerator that does not reach county either: the CFPB publishes a complaint's state and a partially redacted ZIP and no county, so neither half of this ratio exists at county grain

  • WRONG GRAIN
    NMLS licensing

    NMLS licences are issued by a STATE regulator and the industry report is published by state agency and quarter; there is no county in the licensing system to aggregate to

  • WRONG GRAIN
    CFPB complaints

    the CFPB publishes a complaint's STATE and a partially redacted ZIP; it publishes no county, and deriving one from a redacted ZIP would put complaints in the wrong county wherever a ZIP straddles a county line

  • WRONG GRAIN
    State enforcement

    enforcement orders are issued by a STATE regulator against a licensee; they carry no property or county

  • WRONG GRAIN
    WARN notices

    a WARN notice names an employer, a CITY and a region — no county code — and matching city to county by name is ambiguous in most states

  • WRONG GRAIN
    Mortgage employment

    the QCEW extract loaded here holds STATE and METRO area types only — the county-level QCEW file is a separate, far larger download that is not loaded, so county mortgage employment cannot be shown honestly

Several of the areas above are published only at state grain. They are all on the CA state hub, which carries the same registry at the grain those sources actually have.

Go deeper

EVERY HMDA RECORD IN ALAMEDA COUNTY →Opens the loan explorer already filtered to county FIPS 06001.

See the California state market profile for the statewide picture, the California state hub for every dataset we hold on the state in one place, or the national lender leaderboard for who is largest across every market.

Sources: HMDA public loan-level disclosure (CFPB/FFIEC) aggregated to county-year; U.S. Census Bureau American Community Survey; FEMA National Risk Index and disaster declarations. Figures are as loaded — see data attribution.

Fair-lending context: denial rates and demographic figures shown here are descriptive statistics derived from public HMDA and U.S. Census data. HMDA does not contain the credit, income, or underwriting variables that explain most lending outcomes, so a difference between lenders or areas is a statistical observation about published data — not evidence of, and not a determination of, discrimination or redlining by any institution.