Lender in California · HMDA 2025
Home Mortgage Alliance Corporation (HMAC) mortgages in California
Home Mortgage Alliance Corporation (HMAC)'s 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Home Mortgage Alliance Corporation (HMAC) originated 410 owner-occupied single-family loans in California from 610 completed applications.
Its median conventional purchase loan costs were $15,260 versus $7,920 for all California lenders, at a median 30-year fixed rate of 7.00% (California: 6.625%).
Loans in CA
410
of 610 applications
Denial rate
24.9%
Purchase · CA 8.9%
Rate spread
+0.77 pts
Conv. · CA +0.09 pts
Loan amount
$585,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 402 | 294 | 24.9% | 7.000% | +0.77 pts | $15,260 | $585,000 |
| Refinance | 80 | 43 | 38.8% | 6.750% | +0.45 pts | $11,120 | $705,000 |
| Cash-out refinance | 128 | 73 | 39.1% | 7.250% | +1.01 pts | $16,030 | $565,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where Home Mortgage Alliance Corporation (HMAC) ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Trinity County | 18 | 1 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology