Red Bluff Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Red Bluff averaged 6.11% for the week of 2022-06-23, compared to the national average of 5.81% for the same period.

The average rate for the prior week (2022-06-16) was 6.08% and one month ago for the week of 2022-05-19, the average rate was 5.65%.

Red Bluff's average rate one year ago was 3.35%.

For refis of the same type during the week of 2022-06-23, the average rate was 6.07%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-23 5.81%
Red Bluff 30 Year Fixed Rate 2022-06-23 6.11%
Red Bluff 30 Year Fixed Rate Refi 2022-06-23 6.07%
Red Bluff 15 Year Fixed Rate 2022-06-23 5.7%
Red Bluff 15 Year Fixed Rate Refi 2022-06-23 5.39%
Red Bluff 30 Year FHA 2022-06-23 0.27%
Red Bluff 30 Year FHA Refi 2022-06-23 -0.02%
Red Bluff 30 Year USDA 2022-06-23 -0.16%
Red Bluff 30 Year USDA Refi 2022-06-23 0.23%
Red Bluff 30 Year VA 2022-06-23 0.1%
Red Bluff 30 Year VA Refi 2022-06-23 0.03%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Red Bluff, CA.

Red Bluff Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the Red Bluff, CA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
QUICKEN LOANS, LLC 147 3.07% $4,664
SUMMIT FUNDING, INC. 122 3.27% $5,124
PRIMELENDING, A PLAINSCAPITAL COMPANY 92 3.47% $4,999
CALIBER HOME LOANS, INC. 86 3.27% $3,853
MOVEMENT MORTGAGE, LLC 84 3.30% $4,244
Commerce Home Mortgage, Inc. 78 3.31% $4,959
AMERICAN PACIFIC MORTGAGE CORPORATION 62 3.18% $5,105
UNITED WHOLESALE MORTGAGE, LLC 57 2.98% $4,439
LOANDEPOT.COM, LLC 49 3.02% $5,169
INFINITY EQUITY GROUP, INC. 37 3.28% $4,914
Wells Fargo Bank 33 3.10% $4,017
CELEBRITY HOME LOANS, LLC 29 3.36% $5,258
GUILD MORTGAGE COMPANY 28 3.27% $5,708
HOME POINT FINANCIAL CORPORATION 21 2.97% $4,248
Sierra Central Credit Union 19 3.09% $3,505
NEWREZ LLC 19 3.12% $3,693
Tri Counties Bank 19 3.41% $3,133
Umpqua Bank 18 3.24% $4,762
PENNYMAC LOAN SERVICES, LLC 18 3.25% $5,310
JPMorgan Chase Bank 16 3.06% $3,078
Flagstar Bank, FSB 13 3.07% $4,713
AMERISAVE MORTGAGE CORPORATION 12 2.91% $3,467
Banner Bank 12 3.14% $4,579
Mr. Cooper ( Nationstar Mortgage ) 12 3.30% $5,280
FINANCE OF AMERICA MORTGAGE LLC 12 3.23% $3,654
Paramount Residential Mortgage Group, Inc. 11 3.19% $3,673
MEGASTAR FINANCIAL CORP. 11 3.11% $4,956
U.S. Bank 10 3.11% $3,392
FREEDOM MORTGAGE CORPORATION 10 3.09% $1,821
NETWORK CAPITAL FUNDING CORPORATION 9 3.44% $4,610
Bank of America 9 2.81% $5,013
STEARNS LENDING, LLC 9 3.26% $3,722
Nations Lending Corporation 8 3.19% $6,248
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 8 3.11% $5,422
LOANPAL, LLC 8 2.98% $7,454
THE GOLDEN 1 7 3.21% $4,159
BROKER SOLUTIONS, INC. 7 3.05% $5,541
HOMEBRIDGE FINANCIAL SERVICES, INC. 6 3.14% $5,430
PROVIDENT FUNDING ASSOCIATES, L.P. 6 2.85% $3,665
Sierra Pacific Mortgage Company, Inc. 6 3.33% $3,720
AMERICAN FINANCING CORPORATION 6 3.27% $4,564
PACIFIC SERVICE 5 3.03% $3,800
MUTUAL OF OMAHA MORTGAGE, INC. 5 3.10% $3,834
IMPAC MORTGAGE CORP. 5 2.87% $2,461
NAVY FEDERAL CREDIT UNION 5 3.48% $3,752
Watermark Capital, Inc. 5 2.70% $2,914
GUARANTEED RATE, INC. 4 2.97% $3,632
Amerifirst Financial, Inc. 4 3.13% $3,616
InterContinental Capital Group, Inc 4 3.00% $4,491
PLANET HOME LENDING, LLC 3 3.04% $1,876
Hometown Equity Mortgage, LLC 3 2.99% $5,065
FirstBank 3 2.87% $2,587
North American Savings Bank, F.S.B. 3 2.75% $1,400
Hometown Lenders, Inc. 3 3.29% $4,042
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 3 2.83% $8,989
AXIA FINANCIAL, LLC 3 3.38% $5,454
AMERICAN FINANCIAL NETWORK, INC. 3 3.13% $7,651
Fremont Bank 3 3.08% $1,465
PREMIER MORTGAGE RESOURCES, L.L.C. 3 3.29% $4,730
Arvest Bank 2 3.75% $2,182
NATIONS DIRECT MORTGAGE, LLC 2 2.87% $2,748
SCHOOLSFIRST 2 3.06% $2,390
AmeriHome Mortgage Company, LLC 2 3.31% $3,522
LENOX FINANCIAL MORTGAGE CORPORATION 2 2.75% $1,508
CROSSCOUNTRY MORTGAGE, LLC 2 3.56% $5,972
Columbia State Bank 2 3.63% $5,290
RANLIFE, INC. 2 3.31% $4,598
LAKEVIEW LOAN SERVICING, LLC 2 3.44% $3,194
NMSI, INC. 2 4.69% $11,169
Carrington Mortgage Services, LLC 2 3.00% $6,856
AMERICAN INTERNET MORTGAGE, INC. 2 3.06% $2,237
MASON MCDUFFIE MORTGAGE CORPORATION 2 3.06% $5,259
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 2 2.94% $3,145
ZILLOW HOME LOANS, LLC 1 2.50% $9,788
1ST UNITED SERVICES CREDIT UNION 1 3.60% $2,116
ALAMEDA MORTGAGE CORPORATION 1 2.75% $3,473
ALLIED MORTGAGE GROUP, INC. 1 2.99% $1,385
Ally Bank 1 3.25% $2,234
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 3.63% $7,923
Ameris Bank 1 3.63% $9,601
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 3.88% $2,857
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 3.75% $3,571
Bank of England 1 4.25% $3,654
BETTER MORTGAGE CORPORATION 1 2.75% $3,139
Century Mortgage Company DBA Century Lending Company 1 3.00% $2,814
Cf Bank 1 2.88% $1,780
Chicago Mortgage Solutions LLC 1 3.13% $1,105
CHURCHILL MORTGAGE CORPORATION 1 3.38% $4,368
Colonial Savings, F.A. 1 3.38% $3,079
Credit Union of Southern California 1 3.00% $7,372
DIGNIFIED HOME LOANS, LLC 1 2.75% $2,988
DRAPER AND KRAMER MORTGAGE CORP. 1 3.63% $2,929
EMM LOANS LLC 1 2.88% $11,131
EVERETT FINANCIAL, INC. 1 2.88% $1,525
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 3.25% $3,918
FLAT BRANCH MORTGAGE, INC. 1 3.88% $5,088
General Mortgage Capital Corporation 1 3.63% $4,231
Great Southern Bank 1 2.98% $3,079
Greenbox Loans, Inc. 1 6.63% $8,676
HOMESIDE FINANCIAL, LLC 1 3.00% $3,200
JMJ FINANCIAL GROUP 1 3.25% $4,358
KELLER MORTGAGE, LLC 1 3.13% $4,806
LADERA LENDING, INC. 1 3.50% $2,995
LENDUS, LLC 1 3.38% $2,689
LOANLEADERS OF AMERICA, INC. 1 3.00% $3,879
LOGIX FEDERAL CREDIT UNION 1 2.88% $4,422
Mechanics Bank 1 3.00% $3,355
MEMBER FIRST MORTGAGE, LLC 1 3.00% $4,505
MISSION 1 3.00% $3,369
MORIA DEVELOPMENT, INC. 1 3.75% $6,046
Mortgage Research Center, LLC 1 2.75% $575
MOUNTAIN WEST FINANCIAL, INC. 1 2.99% $3,312
NBKC BANK 1 3.00% $2,164
NEXERA HOLDING LLC 1 3.63% $1,467
Northpointe Bank 1 3.38% $3,746
NOVA FINANCIAL & INVESTMENT CORPORATION 1 3.38% $3,238
PANORAMA MORTGAGE GROUP, LLC 1 3.25% $6,632
PATELCO 1 3.13% $4,112
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 3.88% $3,757
Provident Credit Union 1 2.63% $2,204
Quontic Bank 1 5.25% $9,296
REDWOOD 1 3.00% $2,228
ROYAL UNITED MORTGAGE LLC 1 3.88% $5,073
S1L, Inc. 1 3.13% $2,908
SAFE CREDIT UNION 1 3.00% $4,558
SCENIC OAKS FUNDING, INC. 1 3.38% $3,967
SNAPFI, INC. 1 2.50% $3,696
SOFI LENDING CORP. 1 3.25% $3,132
SOVEREIGN LENDING GROUP INCORPORATED 1 3.38% $4,468
Sunflower Bank 1 2.99% $4,163
The Federal Savings Bank 1 3.00% $6,610
VERITAS FUNDING, LLC 1 3.38% $3,945
WESCOM CENTRAL CREDIT UNION 1 2.75% $2,481
1st Security Bank of Washington 1 3.38% $13,020

Red Bluff, CA's 134 lenders originated 2,743 loans during 2021. The total origination value was $645,655,000, with an average loan value of $235,383.

The top Red Bluff lender as defined by loan originations is QUICKEN LOANS, LLC, with 147 loans originated. Their average total fees are $4,664, which is $460 lower than the next largest lender, SUMMIT FUNDING, INC..

The lowest fee Red Bluff lenders (with over 10 loans originated) are FREEDOM MORTGAGE CORPORATION ($1,821), JPMorgan Chase Bank ($3,078), Tri Counties Bank ($3,133), U.S. Bank ($3,392) and AMERISAVE MORTGAGE CORPORATION ($3,467).

The lowest rate Red Bluff lenders (with over 10 loans originated) are AMERISAVE MORTGAGE CORPORATION (2.91%), HOME POINT FINANCIAL CORPORATION (2.97%), UNITED WHOLESALE MORTGAGE, LLC (2.98%), LOANDEPOT.COM, LLC (3.02%) and JPMorgan Chase Bank (3.06%).

Red Bluff, CA Lender Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
QUICKEN LOANS, LLC $56,465,000 $58,980,000 4.5% 9.1%
SUMMIT FUNDING, INC. $32,600,000 $54,705,000 67.8% 8.5%
Commerce Home Mortgage, Inc. $44,350,000 $45,475,000 2.5% 7.0%
PRIMELENDING, A PLAINSCAPITAL COMPANY $35,960,000 $35,160,000 -2.2% 5.4%
CALIBER HOME LOANS, INC. $30,485,000 $32,900,000 7.9% 5.1%
MOVEMENT MORTGAGE, LLC $31,510,000 $32,475,000 3.1% 5.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $24,345,000 $30,230,000 24.2% 4.7%
UNITED WHOLESALE MORTGAGE, LLC $25,105,000 $24,125,000 -3.9% 3.7%
FREEDOM MORTGAGE CORPORATION $17,720,000 $20,625,000 16.4% 3.2%
LOANDEPOT.COM, LLC $5,215,000 $16,850,000 223.1% 2.6%
Umpqua Bank $13,260,000 $12,440,000 -6.2% 1.9%
INFINITY EQUITY GROUP, INC. $1,960,000 $10,630,000 442.3% 1.6%
PENNYMAC LOAN SERVICES, LLC $5,090,000 $10,410,000 104.5% 1.6%
GUILD MORTGAGE COMPANY $8,665,000 $10,350,000 19.4% 1.6%
HOME POINT FINANCIAL CORPORATION $3,025,000 $9,825,000 224.8% 1.5%
Tri Counties Bank $7,735,000 $9,535,000 23.3% 1.5%
Wells Fargo Bank $9,195,000 $9,405,000 2.3% 1.5%
CELEBRITY HOME LOANS, LLC $8,345,000 $9,400,000 12.6% 1.5%
Mr. Cooper ( Nationstar Mortgage ) $7,035,000 $8,735,000 24.2% 1.4%
Flagstar Bank, FSB $10,865,000 $8,715,000 -19.8% 1.3%
NEWREZ LLC $5,275,000 $8,460,000 60.4% 1.3%
U.S. Bank $8,505,000 $7,305,000 -14.1% 1.1%
Banner Bank $6,100,000 $7,285,000 19.4% 1.1%
MEGASTAR FINANCIAL CORP. $2,095,000 $5,855,000 179.5% 0.9%
JPMorgan Chase Bank $3,375,000 $5,365,000 59.0% 0.8%
LAKEVIEW LOAN SERVICING, LLC $1,885,000 $5,225,000 177.2% 0.8%
Bank of America $2,735,000 $4,765,000 74.2% 0.7%
Sierra Central Credit Union $10,275,000 $4,720,000 -54.1% 0.7%
HOMEBRIDGE FINANCIAL SERVICES, INC. $3,735,000 $4,610,000 23.4% 0.7%
FINANCE OF AMERICA MORTGAGE LLC $4,750,000 $4,435,000 -6.6% 0.7%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,840,000 $4,020,000 118.5% 0.6%
NAVY FEDERAL CREDIT UNION $2,720,000 $3,795,000 39.5% 0.6%
Paramount Residential Mortgage Group, Inc. $2,335,000 $3,770,000 61.5% 0.6%
BROKER SOLUTIONS, INC. $3,570,000 $3,505,000 -1.8% 0.5%
LOANPAL, LLC $3,095,000 $3,235,000 4.5% 0.5%
Mortgage Research Center, LLC $3,475,000 $3,170,000 -8.8% 0.5%
AMERISAVE MORTGAGE CORPORATION $2,655,000 $3,015,000 13.6% 0.5%
VILLAGE CAPITAL & INVESTMENT LLC $1,990,000 $3,000,000 50.8% 0.5%
Carrington Mortgage Services, LLC $1,640,000 $2,920,000 78.0% 0.5%
Sierra Pacific Mortgage Company, Inc. $2,400,000 $2,685,000 11.9% 0.4%
AMERICAN FINANCIAL NETWORK, INC. $1,425,000 $2,585,000 81.4% 0.4%
STEARNS LENDING, LLC $2,390,000 $2,510,000 5.0% 0.4%
Fremont Bank $2,080,000 $2,495,000 20.0% 0.4%
MEMBERS 1ST CREDIT UNION $660,000 $2,490,000 277.3% 0.4%
THE GOLDEN 1 $260,000 $2,455,000 844.2% 0.4%
Nations Lending Corporation $550,000 $2,270,000 312.7% 0.4%
PACIFIC SERVICE $2,985,000 $2,235,000 -25.1% 0.3%
PROVIDENT FUNDING ASSOCIATES, L.P. $1,340,000 $2,230,000 66.4% 0.3%
CROSSCOUNTRY MORTGAGE, LLC $1,100,000 $2,220,000 101.8% 0.3%
NETWORK CAPITAL FUNDING CORPORATION $2,335,000 $2,210,000 -5.4% 0.3%
SAFE CREDIT UNION $2,040,000 n/a 0.3%
Exchange Bank $1,925,000 n/a 0.3%
GUARANTEED RATE, INC. $455,000 $1,825,000 301.1% 0.3%
AMERICAN FINANCING CORPORATION $950,000 $1,785,000 87.9% 0.3%
IMPAC MORTGAGE CORP. $1,300,000 $1,775,000 36.5% 0.3%
Watermark Capital, Inc. $655,000 $1,705,000 160.3% 0.3%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,260,000 $1,665,000 32.1% 0.3%
InterContinental Capital Group, Inc $1,900,000 $1,650,000 -13.2% 0.3%
North American Savings Bank, F.S.B. $1,560,000 n/a 0.2%
AMERICAN ADVISORS GROUP $645,000 $1,430,000 121.7% 0.2%
FirstBank $1,400,000 n/a 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $1,395,000 $1,350,000 -3.2% 0.2%
Amerifirst Financial, Inc. $2,640,000 $1,340,000 -49.2% 0.2%
Ameris Bank $1,295,000 n/a 0.2%
AXIA FINANCIAL, LLC $1,905,000 $1,285,000 -32.5% 0.2%
PLANET HOME LENDING, LLC $890,000 $1,285,000 44.4% 0.2%
Hometown Lenders, Inc. $540,000 $1,265,000 134.3% 0.2%
CLEARPATH LENDING $1,535,000 $1,105,000 -28.0% 0.2%
PATELCO $565,000 $965,000 70.8% 0.1%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $195,000 $935,000 379.5% 0.1%
ACADEMY MORTGAGE CORPORATION $255,000 $915,000 258.8% 0.1%
The Federal Savings Bank $1,540,000 $915,000 -40.6% 0.1%
NATIONS DIRECT MORTGAGE, LLC $1,630,000 $910,000 -44.2% 0.1%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $1,595,000 $885,000 -44.5% 0.1%
AmeriHome Mortgage Company, LLC $880,000 n/a 0.1%
NEW DAY FINANCIAL, LLC $760,000 $870,000 14.5% 0.1%
NBKC BANK $1,505,000 $855,000 -43.2% 0.1%
PREMIER MORTGAGE RESOURCES, L.L.C. $775,000 $850,000 9.7% 0.1%
USAA Federal Savings Bank $915,000 $825,000 -9.8% 0.1%
AMWEST FUNDING CORP. $470,000 $815,000 73.4% 0.1%
SCHOOLSFIRST $780,000 $800,000 2.6% 0.1%
Arvest Bank $340,000 $790,000 132.4% 0.1%
MASON MCDUFFIE MORTGAGE CORPORATION $330,000 $785,000 137.9% 0.1%
OPEN MORTGAGE, LLC $445,000 $780,000 75.3% 0.1%
Prime Choice Funding Inc. $505,000 $760,000 50.5% 0.1%
CMG MORTGAGE, INC. $400,000 $735,000 83.8% 0.1%
Barrington Bank & Trust Company, N.A. $880,000 $715,000 -18.8% 0.1%
PLAZA HOME MORTGAGE, INC. $1,705,000 $705,000 -58.7% 0.1%
CHERRY CREEK MORTGAGE, LLC $235,000 $700,000 197.9% 0.1%
SOFI LENDING CORP. $895,000 $700,000 -21.8% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $215,000 $685,000 218.6% 0.1%
NMSI, INC. $1,655,000 $670,000 -59.5% 0.1%
MID AMERICA MORTGAGE, INC. $845,000 $650,000 -23.1% 0.1%
BETTER MORTGAGE CORPORATION $1,835,000 $615,000 -66.5% 0.1%
RANLIFE, INC. $615,000 n/a 0.1%
Wyndham Capital Mortgage, Inc. $600,000 n/a 0.1%
1st Security Bank of Washington $585,000 n/a 0.1%
Hometown Equity Mortgage, LLC $585,000 n/a 0.1%
FJM PRIVATE MORTGAGE FUND, LLC $575,000 n/a 0.1%
LENOX FINANCIAL MORTGAGE CORPORATION $570,000 n/a 0.1%
GENEVA FINANCIAL, LLC $335,000 $550,000 64.2% 0.1%
NOVA FINANCIAL & INVESTMENT CORPORATION $500,000 $550,000 10.0% 0.1%
SPRING EQ, LLC $80,000 $525,000 556.3% 0.1%
STANFORD Federal Credit Union $525,000 n/a 0.1%
EVERETT FINANCIAL, INC. $1,150,000 $490,000 -57.4% 0.1%
MEMBER FIRST MORTGAGE, LLC $500,000 $490,000 -2.0% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $2,550,000 $480,000 -81.2% 0.1%
AMERICAN INTERNET MORTGAGE, INC. $445,000 $475,000 6.7% 0.1%
Cornerstone First Mortgage, Inc $475,000 n/a 0.1%
Lakeview Community Capital, LLC $145,000 $440,000 203.4% 0.1%
ALAMEDA MORTGAGE CORPORATION $435,000 n/a 0.1%
CHURCHILL MORTGAGE CORPORATION $315,000 $395,000 25.4% 0.1%
First Bank $285,000 $395,000 38.6% 0.1%
PENTAGON FEDERAL CREDIT UNION $205,000 $395,000 92.7% 0.1%
LADERA LENDING, INC. $570,000 $390,000 -31.6% 0.1%
NP, Inc. $500,000 $390,000 -22.0% 0.1%
Columbia State Bank $380,000 n/a 0.1%
EMM LOANS LLC $380,000 n/a 0.1%
Metro City Bank $365,000 n/a 0.1%
REDWOOD $480,000 $365,000 -24.0% 0.1%
ALLIANT CREDIT UNION $55,000 $360,000 554.5% 0.1%
Ally Bank $360,000 n/a 0.1%
HOMESIDE FINANCIAL, LLC $195,000 $360,000 84.6% 0.1%
Colten Mortgage, LLC $215,000 $350,000 62.8% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $415,000 $335,000 -19.3% 0.1%
Cf Bank $375,000 $335,000 -10.7% 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $85,000 $335,000 294.1% 0.1%
Figure Lending LLC $80,000 $335,000 318.8% 0.1%
ZILLOW HOME LOANS, LLC $325,000 $335,000 3.1% 0.1%
Bank of England $325,000 n/a 0.1%
SNAPFI, INC. $325,000 n/a 0.1%
SOUTHWEST STAGE FUNDING, LLC $315,000 n/a 0.0%
ALLIED MORTGAGE GROUP, INC. $310,000 n/a 0.0%
FINANCE OF AMERICA REVERSE LLC $85,000 $310,000 264.7% 0.0%
KELLER MORTGAGE, LLC $305,000 n/a 0.0%
MORIA DEVELOPMENT, INC. $305,000 n/a 0.0%
SCENIC OAKS FUNDING, INC. $295,000 n/a 0.0%
ALL WESTERN MORTGAGE, INC. $285,000 n/a 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $325,000 $285,000 -12.3% 0.0%
Great Southern Bank $285,000 n/a 0.0%
S1L, Inc. $285,000 n/a 0.0%
TJC Mortgage, Inc. $430,000 $285,000 -33.7% 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $275,000 n/a 0.0%
PRIMARY RESIDENTIAL MORTGAGE, INC. $600,000 $275,000 -54.2% 0.0%
Self-Help Federal Credit Union $275,000 n/a 0.0%
Discover Bank $170,000 $260,000 52.9% 0.0%
LAND HOME FINANCIAL SERVICES, INC. $1,990,000 $260,000 -86.9% 0.0%
Chicago Mortgage Solutions LLC $255,000 n/a 0.0%
Colonial Savings, F.A. $255,000 n/a 0.0%
JMJ FINANCIAL GROUP $255,000 n/a 0.0%
MOUNTAIN WEST FINANCIAL, INC. $1,190,000 $255,000 -78.6% 0.0%
CIVIC FINANCIAL SERVICES, LLC $245,000 n/a 0.0%
DIGNIFIED HOME LOANS, LLC $1,505,000 $245,000 -83.7% 0.0%
First Mortgage Solutions, LLC $520,000 $245,000 -52.9% 0.0%
HOMEXPRESS MORTGAGE CORP. $375,000 $245,000 -34.7% 0.0%
INTELLILOAN, INC. $265,000 $245,000 -7.5% 0.0%
LOGIX FEDERAL CREDIT UNION $245,000 n/a 0.0%
Mechanics Bank $1,065,000 $245,000 -77.0% 0.0%
GEORGIA'S OWN $240,000 n/a 0.0%
Citizens Bank $375,000 $235,000 -37.3% 0.0%
LENDUS, LLC $195,000 $235,000 20.5% 0.0%
PANORAMA MORTGAGE GROUP, LLC $415,000 $235,000 -43.4% 0.0%
VERITAS FUNDING, LLC $225,000 n/a 0.0%
1ST UNITED SERVICES CREDIT UNION $225,000 $215,000 -4.4% 0.0%
Century Mortgage Company DBA Century Lending Company $215,000 n/a 0.0%
Magnolia Bank $370,000 $215,000 -41.9% 0.0%
MISSION $215,000 n/a 0.0%
Quontic Bank $215,000 n/a 0.0%
ALL REVERSE MORTGAGE, INC. $205,000 n/a 0.0%
RESIDENTIAL BANCORP. $205,000 n/a 0.0%
21ST MORTGAGE CORPORATION $650,000 $200,000 -69.2% 0.0%
ROYAL UNITED MORTGAGE LLC $225,000 $200,000 -11.1% 0.0%
LENDINGHOME FUNDING CORPORATION $230,000 $195,000 -15.2% 0.0%
NATIONWIDE EQUITIES CORPORATION $195,000 n/a 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $185,000 n/a 0.0%
Greenbox Loans, Inc. $185,000 n/a 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $185,000 n/a 0.0%
SAN FRANCISCO FIRE CREDIT UNION $185,000 n/a 0.0%
WESCOM CENTRAL CREDIT UNION $185,000 n/a 0.0%
FEDERATED MORTGAGE CORP. $175,000 n/a 0.0%
NEXERA HOLDING LLC $320,000 $175,000 -45.3% 0.0%
Northpointe Bank $405,000 $175,000 -56.8% 0.0%
Operating Engineers Local Union #3 $315,000 $175,000 -44.4% 0.0%
Financial Funding Solutions, Inc. $165,000 n/a 0.0%
First Guaranty Mortgage Corporation $185,000 $165,000 -10.8% 0.0%
Low VA Rates, LLC $645,000 $165,000 -74.4% 0.0%
TOP FLITE FINANCIAL, INC. $245,000 $165,000 -32.7% 0.0%
CORNERSTONE HOME LENDING, INC. $155,000 n/a 0.0%
FLAT BRANCH MORTGAGE, INC. $155,000 n/a 0.0%
JMAC LENDING, INC. $710,000 $155,000 -78.2% 0.0%
Provident Credit Union $155,000 n/a 0.0%
Armed Forces Bank $145,000 n/a 0.0%
Credit Union of Southern California $400,000 $145,000 -63.8% 0.0%
LOANLEADERS OF AMERICA, INC. $135,000 n/a 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $735,000 $135,000 -81.6% 0.0%
CITIZENS EQUITY FIRST $125,000 n/a 0.0%
General Mortgage Capital Corporation $560,000 $125,000 -77.7% 0.0%
PHH Mortgage Corporation $1,255,000 $115,000 -90.8% 0.0%
TRAVIS CREDIT UNION $550,000 $115,000 -79.1% 0.0%
TECHNOLOGY $105,000 n/a 0.0%
QUORUM FEDERAL CREDIT UNION $95,000 n/a 0.0%
Sunflower Bank $85,000 n/a 0.0%
EMBRACE HOME LOANS, INC. $235,000 $75,000 -68.1% 0.0%
NASA Federal Credit Union $75,000 n/a 0.0%
Truist Bank $255,000 $55,000 -78.4% 0.0%
Home Loan Investment Bank, F.S.B. $25,000 n/a 0.0%
Zions Bancorporation, N.A. $25,000 n/a 0.0%

Red Bluff's top lender by overall market share is QUICKEN LOANS, LLC, with 9.1% market share. In second place, with 8.5%, is SUMMIT FUNDING, INC., having originated $54,705,000 in loans. In third place, with 7.0%, is Commerce Home Mortgage, Inc., having originated $45,475,000 in loans. In third place, with 5.4%, is PRIMELENDING, A PLAINSCAPITAL COMPANY, having originated $35,160,000 in loans. In third place, with 5.1%, is CALIBER HOME LOANS, INC., having originated $32,900,000 in loans.


Red Bluff, CA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 994 $210,750,000 $212,022
Home Purchase 933 $258,545,000 $277,111
Cash Out Refi 685 $161,335,000 $235,526
Home Improvement 67 $7,505,000 $112,015
Other 53 $5,085,000 $95,943
NA 11 $2,435,000 $221,364

Red Bluff's most frequently cited loan purpose was Refi, with 994 originations. The 2nd most popular reason was Home Purchase, with 933 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 1,067 $260,825,000 $244,447
2.5-3% 1,053 $259,655,000 $246,586
<2.5% 425 $88,765,000 $208,859
4-5% 137 $28,075,000 $204,927
5-6% 23 $3,585,000 $155,870
6-7% 12 $1,010,000 $84,167
7-8% 8 $1,010,000 $126,250
Over 8% 6 $270,000 $45,000

During 2021, Red Bluff's most frequently originated rate bucket was 3-4%, with 1,067 originations.

Loan Sizing (Red Bluff, CA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,456 $405,010,000 $278,166
$100k-200k 854 $131,430,000 $153,899
$100,000 or less 239 $12,445,000 $52,071
$400k-600k 181 $84,255,000 $465,497
$600k-1000k 10 $6,840,000 $684,000
$Over $1MM 3 $5,675,000 $1,891,667

Red Bluff's loan sizing saw the bucket of loans from $200k-400k with 1,456 originations, totaling $405,010,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 949 $244,145,000 $257,266
80-100% 832 $239,580,000 $287,957
40-60% 493 $97,305,000 $197,373
20-40% 203 $25,735,000 $126,773
Under 20% 147 $6,335,000 $43,095
Over 100% 24 $9,740,000 $405,833

Red Bluff's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 949 originations, totaling $244,145,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Red Bluff (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $280,000 (5.7%) $368,708 (2.4%) 0.00 314
2018-02-01 $295,000 (9.3%) $373,921 (3.5%) 0.00 320
2018-03-01 $299,000 (6.8%) $360,653 (-0.7%) 0.00 354
2018-04-01 $299,450 (5.1%) $377,650 (2.4%) 0.00 398
2018-05-01 $307,450 (4.2%) $389,428 (5.8%) 0.00 379
2018-06-01 $318,250 (12.9%) $415,109 (11.8%) 0.00 389
2018-07-01 $311,450 (13.3%) $398,095 (9.7%) 0.00 434
2018-08-01 $308,000 (13.2%) $386,119 (8.1%) 0.00 475
2018-09-01 $312,950 (13.8%) $372,136 (4.1%) 0.00 466
2018-10-01 $298,950 (0.0%) $361,912 (-0.8%) 0.00 480
2018-11-01 $299,250 (-0.2%) $363,832 (-3.1%) 0.00 457
2018-12-01 $319,500 (6.5%) $375,022 (-1.0%) 0.00 367
2019-01-01 $335,000 (19.6%) $377,792 (2.5%) 0.00 318
2019-02-01 $334,925 (13.5%) $372,165 (-0.5%) 0.00 316
2019-03-01 $326,714 (9.3%) $376,428 (4.4%) 0.00 310
2019-04-01 $329,450 (10.0%) $382,431 (1.3%) 0.00 304
2019-05-01 $325,000 (5.7%) $387,235 (-0.6%) 0.00 336
2019-06-01 $335,000 (5.3%) $404,030 (-2.7%) 0.00 368
2019-07-01 $339,500 (9.0%) $413,959 (4.0%) 0.00 392
2019-08-01 $343,857 (11.6%) $420,861 (9.0%) 0.00 398
2019-09-01 $349,000 (11.5%) $428,717 (15.2%) 0.00 389
2019-10-01 $348,950 (16.7%) $429,111 (18.6%) 0.00 406
2019-11-01 $349,000 (16.6%) $433,892 (19.3%) 0.00 377
2019-12-01 $346,950 (8.6%) $428,660 (14.3%) 0.00 350
2020-01-01 $332,000 (-0.9%) $433,226 (14.7%) 0.00 315
2020-02-01 $319,000 (-4.8%) $419,405 (12.7%) 0.00 320
2020-03-01 $309,500 (-5.3%) $403,410 (7.2%) 0.00 335
2020-04-01 $316,950 (-3.8%) $411,373 (7.6%) 0.00 312
2020-05-01 $354,900 (9.2%) $429,172 (10.8%) 0.00 262
2020-06-01 $354,000 (5.7%) $440,681 (9.1%) 0.00 240
2020-07-01 $367,450 (8.2%) $458,300 (10.7%) 0.00 213
2020-08-01 $389,900 (13.4%) $477,072 (13.4%) 0.00 204
2020-09-01 $395,000 (13.2%) $482,689 (12.6%) 0.00 213
2020-10-01 $379,500 (8.8%) $485,813 (13.2%) 0.00 222
2020-11-01 $383,000 (9.7%) $476,058 (9.7%) 0.00 221
2020-12-01 $363,750 (4.8%) $470,924 (9.9%) 0.00 220
2021-01-01 $379,900 (14.4%) $484,075 (11.7%) 0.00 186
2021-02-01 $429,900 (34.8%) $514,020 (22.6%) 0.00 154
2021-03-01 $444,900 (43.8%) $540,309 (33.9%) 0.00 134
2021-04-01 $423,500 (33.6%) $516,471 (25.6%) 0.00 155
2021-05-01 $410,000 (15.5%) $519,741 (21.1%) 0.00 154
2021-06-01 $419,500 (18.5%) $529,079 (20.1%) 0.00 137
2021-07-01 $425,000 (15.7%) $635,629 (38.7%) 0.00 147
2021-08-01 $392,400 (0.6%) $575,712 (20.7%) 0.00 174
2021-09-01 $392,500 (-0.6%) $569,631 (18.0%) 0.00 199
2021-10-01 $419,900 (10.7%) $601,091 (23.7%) 0.00 205
2021-11-01 $399,450 (4.3%) $572,803 (20.3%) 0.00 214
2021-12-01 $412,500 (13.4%) $578,559 (22.9%) 0.00 184
2022-01-01 $420,000 (10.6%) $573,056 (18.4%) 0.00 168
2022-02-01 $431,500 (0.4%) $588,257 (14.4%) 0.00 158
2022-03-01 $449,950 (1.1%) $596,144 (10.3%) 0.00 161
2022-04-01 $435,000 (2.7%) $499,534 (-3.3%) 0.00 188
2022-05-01 $449,950 (9.7%) $575,744 (10.8%) 0.00 237
Red Bluff's median listing price for 2022-05-01 was $449,950, a difference of $39,950 (9.7%) versus the prior year and $14,950 versus the prior month.

Red Bluff's median listing price comes in at 0% of the national average.

Red Bluff's average listing price for 2022-05-01 was $575,744, a difference of $56,003 (10.8%) versus the prior year and $76,210 versus the prior month.

For the 2022-05-01 period, Red Bluff had 237 MLS listings, a difference of 49 listings (26%) versus the prior month and 83 listings (54%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Red Bluff (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,798 sqft
2018-02-01 0 days 1,770 sqft
2018-03-01 0 days 1,770 sqft
2018-04-01 0 days 1,800 sqft
2018-05-01 0 days 1,825 sqft
2018-06-01 0 days 1,832 sqft
2018-07-01 0 days 1,816 sqft
2018-08-01 0 days 1,786 sqft
2018-09-01 0 days 1,770 sqft
2018-10-01 0 days 1,759 sqft
2018-11-01 0 days 1,753 sqft
2018-12-01 0 days 1,757 sqft
2019-01-01 0 days 1,770 sqft
2019-02-01 0 days 1,765 sqft
2019-03-01 0 days 1,695 sqft
2019-04-01 0 days 1,646 sqft
2019-05-01 0 days 1,670 sqft
2019-06-01 0 days 1,725 sqft
2019-07-01 0 days 1,710 sqft
2019-08-01 0 days 1,707 sqft
2019-09-01 0 days 1,704 sqft
2019-10-01 0 days 1,708 sqft
2019-11-01 0 days 1,711 sqft
2019-12-01 0 days 1,728 sqft
2020-01-01 0 days 1,690 sqft
2020-02-01 0 days 1,659 sqft
2020-03-01 0 days 1,667 sqft
2020-04-01 0 days 1,712 sqft
2020-05-01 0 days 1,797 sqft
2020-06-01 0 days 1,799 sqft
2020-07-01 0 days 1,831 sqft
2020-08-01 0 days 1,851 sqft
2020-09-01 0 days 1,850 sqft
2020-10-01 0 days 1,807 sqft
2020-11-01 0 days 1,807 sqft
2020-12-01 0 days 1,784 sqft
2021-01-01 0 days 1,800 sqft
2021-02-01 0 days 1,804 sqft
2021-03-01 0 days 1,800 sqft
2021-04-01 0 days 1,790 sqft
2021-05-01 0 days 1,848 sqft
2021-06-01 0 days 1,745 sqft
2021-07-01 0 days 1,725 sqft
2021-08-01 0 days 1,633 sqft
2021-09-01 0 days 1,714 sqft
2021-10-01 0 days 1,734 sqft
2021-11-01 0 days 1,690 sqft
2021-12-01 0 days 1,640 sqft
2022-01-01 0 days 1,632 sqft
2022-02-01 0 days 1,648 sqft
2022-03-01 0 days 1,753 sqft
2022-04-01 0 days 1,701 sqft
2022-05-01 0 days 1,802 sqft
Red Bluff's median listing age (time on market) for 2022-05-01 was 0 days.

Red Bluff's median square footage for active listings during the 2022-05-01 period was 1,802 sqft. One year prior, the average listing was 1,848 sqft.