Alameda Mortgage Corporation

What Alameda Mortgage Corporation does

Alameda Mortgage Corporation is a privately-held, family-owned residential mortgage originator founded in 1968 and headquartered at 925 Ygnacio Valley Road in Walnut Creek, California. The company originates home purchase and refinance mortgages through a distributed network of licensed loan officers operating across 28+ states under multiple regional brands, including AMC, Precision Home Loans, Core Home Loans, Delta Lending Group, Chatt Mortgage, Vision Mortgage Group, MortgageX, Homestead Mortgage Group, and Wikoff Mortgage.

The core product is a full suite of agency and government-backed mortgage programs — Fixed-Rate, FHA, VA, USDA, Jumbo, ARM, and Down Payment Assistance — sold primarily through retail loan officers. The technology platform is centered on AMC Vantage, a mobile and web application that handles application submission, document upload, electronic disclosure signing, and loan status tracking for the borrower. Operational and licensing infrastructure is built around NMLS #271603, multi-state lender/broker licenses, and sale of conforming production to Fannie Mae and Freddie Mac.

Revenue is generated on a transaction basis at loan closing via origination fees, processing fees, and interest rate spreads (gain-on-sale economics), with pricing varying by borrower, loan amount, property, and market conditions. The go-to-market is sales-led and relationship-driven, supplemented by referral partnerships with real estate agents and builders, branded local websites, social media, community engagement (e.g., Chatt Mortgage's podcast), and mobile self-service; customers are individual homebuyers, first-time buyers, military veterans, rural property buyers, and high-net-worth jumbo borrowers.

Name

Alameda Mortgage Corporation

Legal name

Alameda Mortgage Corporation

Website

https://alamedamortgage.com

Company type

Private

Founded year

1968

Operating status

Operating

Headcount range

101–250 employees

Short description

Alameda Mortgage Corporation is a privately-held, family-owned residential mortgage lender founded in 1968, originating agency and government-backed home loans through licensed loan officers operating across 28+ U.S. states under multiple regional brands and the AMC Vantage digital platform.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

akta.pro secondary industries

Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI), First-Time Homebuyer (FTHB) Mortgage Origination (FSALAAAG)

Keywords

• Residential mortgage lending
• Mortgage origination services
• Home loan products
• Mortgage refinancing
• FHA VA USDA loans

Headquarters

HQ city

Walnut Creek

HQ country

United States

HQ region

North America

Offices13 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Mortgage Origination: Revenue generated from originating mortgage loans for home purchases and refinances. The company offers various loan products including Fixed-Rate, FHA, VA, USDA, Jumbo, ARM, and DPA loans. Revenue is earned at closing as origination fees, processing fees, and interest rate spreads.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Alameda Mortgage Corporation originates residential mortgage loans for home purchases and refinances, offering Fixed-Rate, FHA, VA, USDA, Jumbo, ARM, and Down Payment Assistance loan programs to individual borrowers. The company delivers these products through licensed loan officers, branch offices across multiple states, and the proprietary AMC Vantage mobile and online loan portal that supports application, document upload, electronic signature, and status tracking.

Product overview

Alameda Mortgage Corporation operates as a family-owned mortgage lending company established in 1968, offering a unified mortgage lending platform with multiple branded divisions. The core offering centers on AMC Vantage, a mobile mortgage application that provides borrowers with loan access, document upload, electronic disclosures, and status tracking. The company provides a comprehensive portfolio of mortgage loan products including Fixed-Rate Mortgages, FHA Loans, VA Loans, USDA Loans, ARM products, Jumbo Loans, and Down Payment Assistance (DPA). AMC extends its reach through branded divisions including Precision Home Loans, Core Home Loans, Delta Lending Group, Chatt Mortgage, Vision Mortgage Group, MortgageX, Homestead Mortgage Group, and Wikoff Mortgage, with regional branches such as AMC Fresno and AMC Modesto operating under the unified Alameda Mortgage Corporation umbrella (NMLS #271603) while maintaining distinct market identities.

Differentiator

Problem solved

Functional benefit

Products and services

• Fixed-Rate Mortgage Conventional mortgage with a fixed, unchanging interest rate over the life of the loan and consistent monthly payments, offered to individual residential borrowers through AMC's loan officer network.
• FHA Loan Government-insured mortgage designed for borrowers who may not qualify for conventional financing, allowing down payments as low as 3.5% with required mortgage insurance premiums.
• VA Loan Home loan for active military members and veterans offering typically 100% financing with little or no down payment and no mortgage insurance requirement.
• USDA Loan Loan offered through Rural Housing Services for rural properties and borrowers meeting certain income requirements, with zero down payment options.
• Adjustable Rate Mortgage (ARM) Mortgage with variable interest rates that adjust according to market conditions, subject to rate caps, with an initial fixed period before adjustments begin.
• Jumbo Loan Non-conforming mortgage for loan amounts exceeding Fannie Mae and Freddie Mac conforming loan limits, targeted at high-value residential property buyers.
• Down Payment Assistance (DPA)

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature2 records

Partnerships

16 partnerships are on record, tiered core and minor.

• AMC FresnocoreOthersRegional brand division of Alameda Mortgage Corporation operating in Fresno and Central Valley markets. Serves as primary hub for mortgage operations with over 20 loan officers producing nearly $350M annually.
• AMC ModestocoreOthersRegional brand division of Alameda Mortgage Corporation serving the Modesto and Central Valley market.
• Precision Home LoanscoreOthersBrand division of Alameda Mortgage Corporation specializing in mortgage lending with offices in Fresno, Elk Grove, Napa, Roseville, and Yuba City, California.
• Core Home LoanscoreOthersBrand division of Alameda Mortgage Corporation serving Fresno, Hanford, Pismo Beach, Porterville, Selma, and Visalia markets in California.
• Delta Lending GroupcoreOthersBrand division of Alameda Mortgage Corporation with offices in Brentwood, Sacramento, Auburn, and Walnut Creek, California.
• Chatt MortgagecoreOthersBrand division of Alameda Mortgage Corporation serving Tennessee and Georgia markets. Led by Bruce Dodd with over 30 years of mortgage experience.
• Vision Mortgage GroupcoreOthersBrand division of Alameda Mortgage Corporation serving Oregon markets from offices in Portland, Salem, and Astoria.
• MortgageXminorOthersBrand division of Alameda Mortgage Corporation serving California markets.
• Homestead Mortgage GroupminorOthersBrand division of Alameda Mortgage Corporation serving California markets.
• Wikoff MortgageminorOthersBrand division of Alameda Mortgage Corporation serving Arizona markets.
• PaySimplecoreTechnology or IntegrationThird-party payment processing service used for electronic fund transfers enabling online mortgage payments. Integrated into AMC's payment processing infrastructure.
• Fannie MaecoreOthersGovernment-sponsored enterprise that purchases mortgages from lenders. AMC originates loans conforming to Fannie Mae guidelines.
• Freddie MaccoreOthersGovernment-sponsored enterprise that purchases mortgages from lenders. AMC originates loans conforming to Freddie Mac guidelines.
• Federal Housing Administration (FHA)coreOthersU.S. government agency under HUD that insures loans made by FHA-approved lenders like AMC.
• Veterans Affairs (VA)coreOthersVA guarantees home loans for eligible veterans and service members. AMC originates VA loans as an approved lender.
• Rural Housing Service (RHS)coreOthersAgency offering USDA loans for rural properties. AMC originates USDA loans through RHS programs.

Scale indicators7 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• loanDepot: Public retail mortgage originator with a large distributed loan officer network offering purchase, refinance, FHA, VA, and conventional products. Directly comparable to AMC in product mix, retail-led GTM, and multi-brand structure (LD Holdings umbrella).
• Guild Mortgage: Mid-to-large retail mortgage lender with a multi-branch, relationship-driven model offering conventional, FHA, VA, USDA, and Jumbo loans. Comparable to AMC in retail distribution, government-insured product emphasis, and family-founded origins.
• Movement Mortgage: Large privately-held retail mortgage lender known for distributed loan officer network and quick-close positioning. Closely comparable to AMC's relationship-led, multi-state licensed, purchase-focused retail model.
• Paramount Residential Mortgage Group (PRMG): Privately-held retail mortgage banker with broad product menu (Conventional, FHA, VA, USDA, Jumbo, Non-QM) and a large distributed retail loan officer network. Comparable to AMC in product breadth, retail-centric origination, and multi-state licensing.
• New American Funding: Privately-held, family-founded retail mortgage lender headquartered in Southern California with strong presence in the Central Valley and similar product mix (Conventional, FHA, VA, USDA, Jumbo). Highly comparable to AMC in geography, ownership structure, and retail loan officer distribution.

Broad incumbents

• PennyMac Financial Services: Large public mortgage banker and servicer with significant retail and wholesale origination. Comparable to AMC as a residential mortgage originator with government-insured product capability, though PennyMac is far larger and includes a sizeable servicing book.
• Rocket Mortgage: Largest U.S. retail mortgage originator with significant direct-to-consumer digital origination. Comparable to AMC in residential mortgage products, but Rocket is a much larger, publicly-traded, technology-led national lender versus AMC's regional relationship-led model.
• UWM (United Wholesale Mortgage): Largest U.S. wholesale mortgage lender, recently expanding into retail. Comparable as a residential mortgage banker selling into the GSE secondary market, though UWM's core channel is wholesale broker partnerships rather than AMC's retail loan officer model.
• NewRez (Rithm Capital): National retail and wholesale mortgage originator and servicer owned by Rithm Capital. Comparable to AMC in retail origination and GSE secondary market sales, but operates at substantially greater scale.
• Caliber Home Loans: National retail and wholesale mortgage banker with broad product menu and multi-state operations. Comparable to AMC in product breadth and retail origination focus, but operates at much larger scale and is part of a larger corporate parent.

Market position

Strengths2 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/alamedamortgage
• LinkedInlinkedin.com/company/alameda-mortgage-corporation-est-1968
• Instagraminstagram.com/alamedamortgage
• Xx.com/alamedamortgage

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Alameda Mortgage Corporation