Lender in California · HMDA 2025
Vellum Mortgage, Inc. mortgages in California
Vellum Mortgage, Inc.'s 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Vellum Mortgage, Inc. originated 395 owner-occupied single-family loans in California from 410 completed applications.
Its median conventional purchase loan costs were $6,900 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.75% (California: 6.625%).
Loans in CA
395
of 410 applications
Denial rate
2.4%
Purchase · CA 8.9%
Rate spread
+0.20 pts
Conv. · CA +0.09 pts
Loan amount
$675,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 290 | 282 | 2.4% | 6.750% | +0.20 pts | $6,900 | $675,000 |
| Refinance | 115 | 109 | 2.6% | 6.500% | −0.02 pts | $3,650 | $715,000 |
| Cash-out refinance | 5 | 4 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
California counties where Vellum Mortgage, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Contra Costa County | 15 | 178 | 1.5% |
| Alameda County | 23 | 131 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology