Oakland-Fremont-Berkeley Mortgage Lending in 2025

Explore mortgage lending activity in Oakland-Fremont-Berkeley (MSA/MD Code 36084) using official HMDA public records. Review underwriting outcomes, borrower characteristics, and regional lending benchmarks.

Source: Federal Financial Institutions Examination Council (FFIEC) / Consumer Financial Protection Bureau (CFPB) • Dataset: 2025 Snapshot National Loan-Level Dataset • Updated: June 2, 2026 • Methodology →
Metropolitan Area 36084
25,919 Loans Originated
• Primary State: California (CA)
• $22.07 Billion Originated Volume
• $745,000 Median Loan
Actionable Applications 30,837 +13.31% vs 2024
Approval Rate 87.35% -0.13 pp vs 2024
Denial Rate 12.65% +0.13 pp vs 2024
Loan Originations 25,919 +13.48% vs 2024
Originated Volume $22.07 Billion +16.40% vs 2024

Credit Decision Outcomes (2025)

Outcomes for 30,837 actionable applications (Actions 1, 2, and 3).

87.35%
12.65%
26,937 approved 3,900 denied
Action 1: Originated
25,919 (84.05%)
Action 2: Approved not accepted
1,018 (3.30%)
Action 3: Denied
3,900 (12.65%)
Action 4: Withdrawn (not in denominator)
7,420 —
Action 5: Incomplete (not in denominator)
1,976 —
How to read this: Approval rate uses Actions 1, 2, and 3. Actions 4 and 5 are excluded from the credit decision denominator. Read the full methodology →

How Oakland-Fremont-Berkeley Compares

Metro vs. State Baseline (2025)

Metric Oakland-Fremont-Berkeley California
Actionable Apps 30,837 404,468
Approval Rate 87.35% 84.45%
Denial Rate 12.65% 15.55%
Originations 25,919 322,897
Originated Volume $22.07 Billion $227.16 Billion
Median Loan $745,000 $575,000
Compared against California statewide baseline in 2025.

Lending Trends in Oakland-Fremont-Berkeley

Year-over-year shifts: 2025 vs. 2024

Metric 2024 2025 Change
Consumer Universe 35,076 40,233 +14.70%
Actionable Apps 27,215 30,837 +13.31%
Originations 22,840 25,919 +13.48%
Approval Rate 87.48% 87.35% -0.13 pp
Denial Rate 12.52% 12.65% +0.13 pp
Median Loan $735,000 $745,000 +1.36%
Dollar Volume $18.96 Billion $22.07 Billion +16.40%

Applications by Borrower Income (Oakland-Fremont-Berkeley)

Approval and denial rates across gross annual income tiers (2025)

Income Bracket Apps Approval % Denial %
$100k–$149,999 4,608 83.85% 16.15%
$150k+ 22,454 90.98% 9.02%
$50k–$99,999 2,219 68.68% 31.32%
<$50k 549 58.29% 41.71%
Income unavailable/entity 1,007 79.54% 20.46%
Gross annual borrower income relied upon during credit underwriting. Descriptive figures only; does not establish causation.

Geographic Market Context

Regional integration within California (2025)

Official Geographic Designation: Metropolitan Statistical Area / Division 36084, anchored in California (CA).
Metro Share of State Apps 7.62%
Metro Share of State Volume 9.72%
Geographic Notice: OpenFileData reports verified OMB-designated metropolitan boundaries. Detailed county-level vector choropleths are omitted unless authoritative polygon geometries and county-level consumer records are officially available, preventing data fabrication.

Parent State Association

Explore California statewide mortgage activity

Oakland-Fremont-Berkeley is part of OpenFileData’s statewide coverage of California. View statewide approval benchmarks, metropolitan rankings, and institution profiles across all reporting jurisdictions.

California Statewide Overview Active Profile
Statewide Actionable Applications: 404,468
Explore California State Profile →

Methodology

Learn how HMDA credit outcomes, action codes, and consumer filters are computed.

Read Methodology →

California Profile

Compare all metropolitan areas located in California.

View State Page →

Download Data

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Methodology & Disclosures

Credit Decision Denominator Rule: Approval and denial rates are calculated strictly among actionable applications reaching a formal credit underwriting decision (Actions 1, 2, and 3: loan originated, approved but not accepted, denied). Applications withdrawn by borrower (Action 4) and closed for incompleteness (Action 5) are tracked in the broader Consumer Mortgage Universe for market completeness but excluded from credit decision rates as no underwriting decision occurred.

Official Data Source & Freeze Date: Official Home Mortgage Disclosure Act (HMDA) records published by the Federal Financial Institutions Examination Council (FFIEC) and Consumer Financial Protection Bureau (CFPB). Primary analysis uses the 2025 Snapshot National Loan-Level Dataset (frozen June 2, 2026); historical baseline uses the 2024 One-Year National Loan-Level Dataset (frozen June 2, 2026).

Public Interest Commitment: OpenFileData does not sell mortgage leads, lender placements, paid rankings, or individualized mortgage recommendations.

For complete technical formulas, SQL implementations, and data definitions, read the full Mortgage Lending Methodology Specification.