Red Bluff Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Red Bluff averaged 6.95% for the week of 2024-02-22, compared to the national average of 6.9% for the same period.

The average rate for the prior week (2024-02-15) was 6.52% and one month ago for the week of 2024-01-18, the average rate was 6.25%.

Red Bluff's average rate one year ago was 6.6%.

For refis of the same type during the week of 2024-02-22, the average rate was 6.51%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-02-22 6.9%
Red Bluff 30 Year Fixed Rate 2024-02-22 6.95%
Red Bluff 30 Year Fixed Rate Refi 2024-02-22 6.51%
Red Bluff 15 Year Fixed Rate 2024-02-22 6.09%
Red Bluff 15 Year Fixed Rate Refi 2024-02-22 6.39%
Red Bluff 30 Year FHA 2024-02-22 -0.61%
Red Bluff 30 Year FHA Refi 2024-02-22 0%
Red Bluff 30 Year USDA 2024-02-22 -0.2%
Red Bluff 30 Year USDA Refi 2024-02-22 -0.1%
Red Bluff 30 Year VA 2024-02-22 -0.2%
Red Bluff 30 Year VA Refi 2024-02-22 -0.1%
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 lender, 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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
QUICKEN LOANS, LLC 66 4.49% $6,444
PRIMELENDING, A PLAINSCAPITAL COMPANY 50 5.16% $7,471
SUMMIT FUNDING, INC. 49 4.88% $7,659
UNITED WHOLESALE MORTGAGE, LLC 41 4.61% $6,241
MOVEMENT MORTGAGE, LLC 35 4.71% $4,931
Commerce Home Mortgage, Inc. 35 4.77% $6,441
CALIBER HOME LOANS, INC. 30 4.76% $4,650
AMERICAN PACIFIC MORTGAGE CORPORATION 26 5.15% $7,239
HOME POINT FINANCIAL CORPORATION 14 4.51% $5,746
LOANDEPOT.COM, LLC 12 4.59% $5,733
Wells Fargo Bank 11 4.17% $3,443
INFINITY EQUITY GROUP, INC. 10 5.45% $6,194
U.S. Bank 10 4.54% $6,968
GUILD MORTGAGE COMPANY 9 5.29% $9,290
Sierra Central Credit Union 9 3.75% $3,228
Tri Counties Bank 8 4.70% $3,170
JPMorgan Chase Bank 8 4.45% $3,013
FREEDOM MORTGAGE CORPORATION 7 4.73% $6,740
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 6 6.14% $5,767
Bank of America 6 3.85% $4,326
Umpqua Bank 6 4.67% $5,513
Banner Bank 6 3.81% $5,147
PENNYMAC LOAN SERVICES, LLC 5 4.60% $8,912
CROSSCOUNTRY MORTGAGE, LLC 5 5.34% $7,770
AMERICAN FINANCING CORPORATION 5 4.72% $10,892
Mr. Cooper ( Nationstar Mortgage ) 5 5.72% $7,095
MEGASTAR FINANCIAL CORP. 4 5.50% $8,313
CARDINAL FINANCIAL 4 4.72% $6,292
NEWREZ LLC 4 4.25% $6,038
Paramount Residential Mortgage Group, Inc. 3 5.00% $6,016
MUFG Union Bank 3 5.38% $5,909
Amerifirst Financial, Inc. 3 4.88% $4,375
HOMEBRIDGE FINANCIAL SERVICES, INC. 3 5.17% $6,422
BROKER SOLUTIONS, INC. 3 3.83% $6,718
Mechanics Bank 2 3.63% $3,993
PATELCO 2 5.81% $3,122
Sierra Pacific Mortgage Company, Inc. 2 5.38% $7,564
FBC MORTGAGE, LLC 2 4.37% $4,700
Operating Engineers Local Union #3 2 4.31% $3,082
North American Savings Bank, F.S.B. 2 6.38% $9,260
BETTER MORTGAGE CORPORATION 2 4.69% $3,927
The Huntington National Bank 2 4.13% $5,343
NETWORK CAPITAL FUNDING CORPORATION 2 4.56% $8,670
Nations Lending Corporation 2 5.81% $1,584
NATIONS DIRECT MORTGAGE, LLC 2 4.68% $11,123
Flagstar Bank, FSB 2 3.52% $7,227
MOUNTAIN WEST FINANCIAL, INC. 2 5.81% $14,505
MEMBERS 1ST CREDIT UNION 2 5.50% $1,437
FINANCE OF AMERICA MORTGAGE LLC 2 5.18% $4,913
ZILLOW HOME LOANS, LLC 2 6.56% $4,431
LOANPAL, LLC 2 3.18% $10,672
ROYAL UNITED MORTGAGE LLC 2 5.38% $9,166
SOVEREIGN LENDING GROUP INCORPORATED 1 5.99% $7,250
ACADEMY MORTGAGE CORPORATION 1 5.88% $14,548
ALAMEDA MORTGAGE CORPORATION 1 6.13% $4,487
ALLIED MORTGAGE GROUP, INC. 1 4.99% $9,660
ALTURA 1 4.63% $4,620
AMERISAVE MORTGAGE CORPORATION 1 4.99% $10,677
AXIA FINANCIAL, LLC 1 4.00% $6,349
Bank of the West 1 5.38% $5,658
CANOPY MORTGAGE, LLC 1 3.38% $3,094
Carrington Mortgage Services, LLC 1 3.25% $4,507
Century Mortgage Company DBA Century Lending Company 1 6.38% $4,231
CHEVRON 1 5.88% $4,277
Colten Mortgage, LLC 1 4.88% $5,719
Columbia State Bank 1 3.38% $4,532
Cornerstone First Mortgage, Inc 1 4.50% $4,850
Credit Union of Southern California 1 3.25% $4,179
DIRECT MORTGAGE, CORP. 1 5.63% $4,471
FINANCE OF AMERICA REVERSE LLC 1 7.17% $2,686
First Guaranty Mortgage Corporation 1 4.25% $6,645
Fremont Bank 1 3.38% $503
FUNDLOANS CAPITAL 1 7.25% $27,691
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 5.63% $3,761
GUARANTEED RATE, INC. 1 6.00% $4,640
Hometown Lenders, Inc. 1 4.38% $6,944
Ixonia Bank 1 5.13% $4,583
JMAC LENDING, INC. 1 4.75% $9,916
LADERA LENDING, INC. 1 2.88% $10,194
LAKEVIEW LOAN SERVICING, LLC 1 4.88% $9,347
Loan Simple, Inc. 1 2.99% $7,810
MASON MCDUFFIE MORTGAGE CORPORATION 1 3.38% $4,865
MEMBER FIRST MORTGAGE, LLC 1 4.38% $3,286
MICHIGAN MUTUAL, INC. 1 5.38% $2,616
M&T Bank 1 4.88% $11,351
MUTUAL OF OMAHA MORTGAGE, INC. 1 5.25% $6,317
NAVY FEDERAL CREDIT UNION 1 5.25% $1,383
NBKC BANK 1 5.38% $2,737
NEXERA HOLDING LLC 1 8.88% $6,078
NFM, INC. 1 6.50% $5,642
NMSI, INC. 1 3.88% $9,774
Northpointe Bank 1 5.63% $4,234
Northwest Farm Credit Services, FLCA 1 3.45% $10,594
PACIFIC SERVICE 1 3.25% $2,845
PLAZA HOME MORTGAGE, INC. 1 5.00% $4,266
PROVIDENT FUNDING ASSOCIATES, L.P. 1 4.00% $3,136
SAN DIEGO COUNTY CREDIT UNION 1 4.63% $3,658
21ST MORTGAGE CORPORATION 1 6.80% $8,326
STAR ONE CREDIT UNION 1 2.75% $3,186
ST FIN CORP 1 5.50% $3,393
TRAVIS CREDIT UNION 1 4.28% $0
Watermark Capital, Inc. 1 4.38% $4,056

Red Bluff Average Closing Costs & Other Stats

Red Bluff, CA's 102 lenders originated 1,363 loans during 2022. The total origination value was $336,915,000, with an average loan value of $247,186.

Red Bluff's average closing costs are $5,772.

The top Red Bluff lender as defined by loan originations is QUICKEN LOANS, LLC, with 66 loans originated. Their average total fees are $6,444, which is $1,027 lower than the next largest lender, PRIMELENDING, A PLAINSCAPITAL COMPANY.

The lowest fee Red Bluff lenders (with over 10 loans originated) are Wells Fargo Bank ($3,443), CALIBER HOME LOANS, INC. ($4,650), MOVEMENT MORTGAGE, LLC ($4,931), LOANDEPOT.COM, LLC ($5,733) and HOME POINT FINANCIAL CORPORATION ($5,746).

The lowest rate Red Bluff lenders (with over 10 loans originated) are Wells Fargo Bank (4.17%), QUICKEN LOANS, LLC (4.49%), HOME POINT FINANCIAL CORPORATION (4.51%), U.S. Bank (4.54%) and LOANDEPOT.COM, LLC (4.59%).

Red Bluff, CA Mortgage 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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
Commerce Home Mortgage, Inc. $45,475,000 $29,030,000 -36.2% 8.6%
QUICKEN LOANS, LLC $58,980,000 $27,940,000 -52.6% 8.3%
SUMMIT FUNDING, INC. $54,705,000 $23,225,000 -57.5% 6.9%
PRIMELENDING, A PLAINSCAPITAL COMPANY $35,160,000 $22,920,000 -34.8% 6.8%
UNITED WHOLESALE MORTGAGE, LLC $24,125,000 $18,190,000 -24.6% 5.4%
MOVEMENT MORTGAGE, LLC $32,475,000 $17,565,000 -45.9% 5.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $30,230,000 $17,375,000 -42.5% 5.2%
CALIBER HOME LOANS, INC. $32,900,000 $14,315,000 -56.5% 4.2%
U.S. Bank $7,305,000 $8,465,000 15.9% 2.5%
Banner Bank $7,285,000 $6,005,000 -17.6% 1.8%
Tri Counties Bank $9,535,000 $5,890,000 -38.2% 1.7%
HOME POINT FINANCIAL CORPORATION $9,825,000 $5,665,000 -42.3% 1.7%
FREEDOM MORTGAGE CORPORATION $20,625,000 $5,285,000 -74.4% 1.6%
Umpqua Bank $12,440,000 $5,200,000 -58.2% 1.5%
LOANDEPOT.COM, LLC $16,850,000 $4,555,000 -73.0% 1.4%
Mortgage Research Center, LLC $3,170,000 $4,455,000 40.5% 1.3%
GUILD MORTGAGE COMPANY $10,350,000 $4,145,000 -60.0% 1.2%
Wells Fargo Bank $9,405,000 $4,030,000 -57.2% 1.2%
First Northern Bank of Dixon $4,005,000 n/a 1.2%
PENNYMAC LOAN SERVICES, LLC $10,410,000 $3,560,000 -65.8% 1.1%
Sierra Central Credit Union $4,720,000 $3,385,000 -28.3% 1.0%
Flagstar Bank, FSB $8,715,000 $3,325,000 -61.8% 1.0%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $4,020,000 $3,190,000 -20.6% 0.9%
WALKER & DUNLOP, LLC $3,005,000 n/a 0.9%
INFINITY EQUITY GROUP, INC. $10,630,000 $2,965,000 -72.1% 0.9%
Mr. Cooper ( Nationstar Mortgage ) $8,735,000 $2,810,000 -67.8% 0.8%
VILLAGE CAPITAL MORTGAGE $3,000,000 $2,060,000 -31.3% 0.6%
AMERICAN FINANCING CORPORATION $1,785,000 $2,030,000 13.7% 0.6%
Bank of America $4,765,000 $2,025,000 -57.5% 0.6%
Sierra Pacific Mortgage Company, Inc. $2,685,000 $1,955,000 -27.2% 0.6%
NEWREZ LLC $8,460,000 $1,945,000 -77.0% 0.6%
AMERISAVE MORTGAGE CORPORATION $3,015,000 $1,940,000 -35.7% 0.6%
HOMEBRIDGE FINANCIAL SERVICES, INC. $4,610,000 $1,820,000 -60.5% 0.5%
JPMorgan Chase Bank $5,365,000 $1,785,000 -66.7% 0.5%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,665,000 $1,770,000 6.3% 0.5%
NATIONS DIRECT MORTGAGE, LLC $910,000 $1,685,000 85.2% 0.5%
SOVEREIGN LENDING GROUP INCORPORATED $135,000 $1,655,000 1,125.9% 0.5%
LAKEVIEW LOAN SERVICING, LLC $5,225,000 $1,585,000 -69.7% 0.5%
Bank of Stockton $1,565,000 n/a 0.5%
BROKER SOLUTIONS, INC. $3,505,000 $1,465,000 -58.2% 0.4%
CROSSCOUNTRY MORTGAGE, LLC $2,220,000 $1,455,000 -34.5% 0.4%
AXIA FINANCIAL, LLC $1,285,000 $1,440,000 12.1% 0.4%
Paramount Residential Mortgage Group, Inc. $3,770,000 $1,440,000 -61.8% 0.4%
The Huntington National Bank $1,340,000 n/a 0.4%
LOANPAL, LLC $3,235,000 $1,215,000 -62.4% 0.4%
MEGASTAR FINANCIAL CORP. $5,855,000 $1,190,000 -79.7% 0.4%
AmeriHome Mortgage Company, LLC $880,000 $1,160,000 31.8% 0.3%
Carrington Mortgage Services, LLC $2,920,000 $1,155,000 -60.4% 0.3%
USAA Federal Savings Bank $825,000 $1,125,000 36.4% 0.3%
BETTER MORTGAGE CORPORATION $615,000 $1,000,000 62.6% 0.3%
MOUNTAIN WEST FINANCIAL, INC. $255,000 $990,000 288.2% 0.3%
FINANCE OF AMERICA MORTGAGE LLC $4,435,000 $800,000 -82.0% 0.2%
LENDINGHOME FUNDING CORPORATION $195,000 $770,000 294.9% 0.2%
Nations Lending Corporation $2,270,000 $765,000 -66.3% 0.2%
NFM, INC. $765,000 n/a 0.2%
ACADEMY MORTGAGE CORPORATION $915,000 $745,000 -18.6% 0.2%
NAVY FEDERAL CREDIT UNION $3,795,000 $725,000 -80.9% 0.2%
21ST MORTGAGE CORPORATION $200,000 $710,000 255.0% 0.2%
Amerifirst Financial, Inc. $1,340,000 $710,000 -47.0% 0.2%
Mechanics Bank $245,000 $695,000 183.7% 0.2%
GENEVA FINANCIAL, LLC $550,000 $690,000 25.5% 0.2%
North American Savings Bank, F.S.B. $1,560,000 $690,000 -55.8% 0.2%
Golden Empire Mortgage, Inc. $675,000 n/a 0.2%
RANLIFE, INC. $615,000 $670,000 8.9% 0.2%
COREVEST AMERICAN FINANCE LENDER LLC $655,000 n/a 0.2%
MUFG Union Bank $650,000 n/a 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $1,350,000 $640,000 -52.6% 0.2%
EVERETT FINANCIAL, INC. $490,000 $630,000 28.6% 0.2%
SPRING EQ, LLC $525,000 $630,000 20.0% 0.2%
AMWEST FUNDING CORP. $815,000 $625,000 -23.3% 0.2%
PHH Mortgage Corporation $115,000 $625,000 443.5% 0.2%
FUNDLOANS CAPITAL $615,000 n/a 0.2%
PATELCO $965,000 $610,000 -36.8% 0.2%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $885,000 $590,000 -33.3% 0.2%
THE GOLDEN 1 $2,455,000 $585,000 -76.2% 0.2%
Prosperity Home Mortgage, LLC $575,000 n/a 0.2%
Magnolia Bank $215,000 $560,000 160.5% 0.2%
RESIDENTIAL BANCORP. $205,000 $550,000 168.3% 0.2%
JMAC LENDING, INC. $155,000 $545,000 251.6% 0.2%
AMERICAN ADVISORS GROUP $1,430,000 $540,000 -62.2% 0.2%
GUARANTEED RATE, INC. $1,825,000 $540,000 -70.4% 0.2%
TRAVIS CREDIT UNION $115,000 $540,000 369.6% 0.2%
ZILLOW HOME LOANS, LLC $335,000 $540,000 61.2% 0.2%
LONGBRIDGE FINANCIAL, LLC $530,000 n/a 0.2%
OPEN MORTGAGE, LLC $780,000 $520,000 -33.3% 0.2%
SUN WEST MORTGAGE COMPANY, INC. $480,000 $520,000 8.3% 0.2%
Century Mortgage Company DBA Century Lending Company $215,000 $510,000 137.2% 0.2%
NETWORK CAPITAL FUNDING CORPORATION $2,210,000 $500,000 -77.4% 0.1%
Fremont Bank $2,495,000 $490,000 -80.4% 0.1%
FINANCE OF AMERICA REVERSE LLC $310,000 $475,000 53.2% 0.1%
Operating Engineers Local Union #3 $175,000 $470,000 168.6% 0.1%
LENDSURE MORTGAGE CORP. $465,000 n/a 0.1%
Northwest Farm Credit Services, FLCA $465,000 n/a 0.1%
PENTAGON FEDERAL CREDIT UNION $395,000 $465,000 17.7% 0.1%
PLAZA HOME MORTGAGE, INC. $705,000 $450,000 -36.2% 0.1%
PACIFIC SERVICE $2,235,000 $440,000 -80.3% 0.1%
Colten Mortgage, LLC $350,000 $435,000 24.3% 0.1%
Figure Lending LLC $335,000 $435,000 29.9% 0.1%
FBC MORTGAGE, LLC $430,000 n/a 0.1%
M&T Bank $425,000 n/a 0.1%
STAR ONE CREDIT UNION $420,000 n/a 0.1%
ALAMEDA MORTGAGE CORPORATION $435,000 $405,000 -6.9% 0.1%
CANOPY MORTGAGE, LLC $405,000 n/a 0.1%
The Federal Savings Bank $915,000 $385,000 -57.9% 0.1%
SAN DIEGO COUNTY CREDIT UNION $380,000 n/a 0.1%
HOMEOWNERS FINANCIAL GROUP USA, LLC $375,000 n/a 0.1%
ALL REVERSE MORTGAGE, INC. $205,000 $355,000 73.2% 0.1%
ATHAS CAPITAL GROUP, INC. $355,000 n/a 0.1%
Northpointe Bank $175,000 $355,000 102.9% 0.1%
Stifel Bank and Trust $355,000 n/a 0.1%
ALLIANT CREDIT UNION $360,000 $345,000 -4.2% 0.1%
NBKC BANK $855,000 $345,000 -59.6% 0.1%
Mid-Continent Funding, Inc. $335,000 n/a 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $2,230,000 $335,000 -85.0% 0.1%
Bank of the West $330,000 n/a 0.1%
NEW DAY FINANCIAL, LLC $870,000 $330,000 -62.1% 0.1%
CLEARPATH LENDING $1,105,000 $325,000 -70.6% 0.1%
MASON MCDUFFIE MORTGAGE CORPORATION $785,000 $325,000 -58.6% 0.1%
NEXERA HOLDING LLC $175,000 $320,000 82.9% 0.1%
ROYAL UNITED MORTGAGE LLC $200,000 $320,000 60.0% 0.1%
NATIONS RELIABLE LENDING, LLC $315,000 n/a 0.1%
Wyndham Capital Mortgage, Inc. $600,000 $315,000 -47.5% 0.1%
ALTURA $285,000 n/a 0.1%
BECKAM FUNDING CORP. $285,000 n/a 0.1%
Equity Prime Mortgage LLC $285,000 n/a 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $685,000 $275,000 -59.9% 0.1%
PLANET HOME LENDING, LLC $1,285,000 $275,000 -78.6% 0.1%
REDWOOD $365,000 $275,000 -24.7% 0.1%
ALLIED MORTGAGE GROUP, INC. $310,000 $265,000 -14.5% 0.1%
LADERA LENDING, INC. $390,000 $265,000 -32.1% 0.1%
Ixonia Bank $255,000 n/a 0.1%
NMSI, INC. $670,000 $245,000 -63.4% 0.1%
TOP FLITE FINANCIAL, INC. $165,000 $245,000 48.5% 0.1%
STEARNS LENDING, LLC $2,510,000 $240,000 -90.4% 0.1%
First Guaranty Mortgage Corporation $165,000 $235,000 42.4% 0.1%
Hometown Lenders, Inc. $1,265,000 $235,000 -81.4% 0.1%
IMPAC MORTGAGE CORP. $1,775,000 $235,000 -86.8% 0.1%
Loan Simple, Inc. $235,000 n/a 0.1%
Discover Bank $260,000 $230,000 -11.5% 0.1%
ST FIN CORP $225,000 n/a 0.1%
Truist $55,000 $225,000 309.1% 0.1%
FIRST TECHNOLOGY $220,000 n/a 0.1%
MEMBERS 1ST CREDIT UNION $2,490,000 $220,000 -91.2% 0.1%
Colonial Savings, F.A. $255,000 $215,000 -15.7% 0.1%
Quontic Bank $215,000 $205,000 -4.7% 0.1%
HOMESTEAD FUNDING CORP. $195,000 n/a 0.1%
PNC Bank $195,000 n/a 0.1%
REVERSE MORTGAGE FUNDING LLC $195,000 n/a 0.1%
Strong Home Mortgage, LLC $195,000 n/a 0.1%
VELOCITY COMMERCIAL CAPITAL, LLC $195,000 n/a 0.1%
Watermark Capital, Inc. $1,705,000 $195,000 -88.6% 0.1%
VANDERBILT MORTGAGE AND FINANCE, INC. $185,000 n/a 0.1%
ARC HOME LLC $175,000 n/a 0.1%
CHEVRON $175,000 n/a 0.1%
MEMBER FIRST MORTGAGE, LLC $490,000 $175,000 -64.3% 0.1%
THE POLICE Credit Union $175,000 n/a 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $335,000 $165,000 -50.7% 0.0%
Hometown Equity Mortgage, LLC $585,000 $165,000 -71.8% 0.0%
Cornerstone First Mortgage, Inc $475,000 $155,000 -67.4% 0.0%
DIRECT MORTGAGE, CORP. $155,000 n/a 0.0%
HighTechLending Inc $155,000 n/a 0.0%
Credit Union of Southern California $145,000 $145,000 0.0% 0.0%
CHERRY CREEK MORTGAGE, LLC $700,000 $135,000 -80.7% 0.0%
Columbia State Bank $380,000 $135,000 -64.5% 0.0%
MICHIGAN MUTUAL, INC. $135,000 n/a 0.0%
TRIAD FINANCIAL SERVICES, INC. $135,000 n/a 0.0%
SCHOOLSFIRST $800,000 $115,000 -85.6% 0.0%
Arvest Bank $790,000 $105,000 -86.7% 0.0%
Baxter Credit Union $95,000 n/a 0.0%
GEORGIA'S OWN $240,000 $95,000 -60.4% 0.0%
Lakeview Community Capital, LLC $440,000 $80,000 -81.8% 0.0%
Firefighters First Federal Credit Union $75,000 n/a 0.0%
CommonWealth Central Credit Union $55,000 n/a 0.0%

Red Bluff's top lender by overall market share is Commerce Home Mortgage, Inc., with 8.6% market share. In second place, with 8.3%, is QUICKEN LOANS, LLC, having originated $27,940,000 in loans. In third place, with 6.9%, is SUMMIT FUNDING, INC., having originated $23,225,000 in loans. In fourth place, with 6.8%, is PRIMELENDING, A PLAINSCAPITAL COMPANY, having originated $22,920,000 in loans. In fifth place, with 5.4%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $18,190,000 in loans.


Red Bluff Housing Market Trends (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 $267,500 (5.5%) $383,424 (7.7%) 0.00 217
2018-02-01 $281,213 (7.5%) $393,798 (9.6%) 0.00 218
2018-03-01 $292,450 (8.3%) $377,067 (3.9%) 0.00 235
2018-04-01 $289,225 (8.7%) $390,564 (6.7%) 0.00 275
2018-05-01 $290,125 (7.9%) $388,245 (4.9%) 0.00 271
2018-06-01 $299,000 (13.0%) $431,330 (19.9%) 0.00 270
2018-07-01 $294,250 (13.2%) $416,426 (19.0%) 0.00 304
2018-08-01 $289,375 (12.4%) $397,951 (15.3%) 0.00 330
2018-09-01 $290,750 (14.1%) $389,974 (12.5%) 0.00 325
2018-10-01 $289,250 (5.2%) $383,996 (7.3%) 0.00 330
2018-11-01 $289,000 (3.2%) $376,688 (2.4%) 0.00 308
2018-12-01 $299,000 (6.8%) $388,936 (2.6%) 0.00 253
2019-01-01 $319,500 (19.4%) $392,419 (2.4%) 0.00 227
2019-02-01 $319,000 (13.4%) $386,482 (-1.9%) 0.00 224
2019-03-01 $321,000 (9.8%) $396,354 (5.1%) 0.00 214
2019-04-01 $329,250 (13.8%) $405,945 (3.9%) 0.00 212
2019-05-01 $331,225 (14.2%) $407,695 (5.0%) 0.00 232
2019-06-01 $325,000 (8.7%) $415,476 (-3.7%) 0.00 245
2019-07-01 $339,700 (15.5%) $431,173 (3.5%) 0.00 267
2019-08-01 $337,782 (16.7%) $445,486 (11.9%) 0.00 275
2019-09-01 $334,530 (15.1%) $442,620 (13.5%) 0.00 277
2019-10-01 $333,861 (15.4%) $440,709 (14.8%) 0.00 277
2019-11-01 $339,000 (17.3%) $421,308 (11.9%) 0.00 254
2019-12-01 $335,475 (12.2%) $421,223 (8.3%) 0.00 238
2020-01-01 $319,975 (0.2%) $423,035 (7.8%) 0.00 223
2020-02-01 $299,900 (-6.0%) $395,388 (2.3%) 0.00 223
2020-03-01 $307,000 (-4.4%) $399,487 (0.8%) 0.00 235
2020-04-01 $307,450 (-6.6%) $405,177 (-0.2%) 0.00 220
2020-05-01 $321,900 (-2.8%) $416,437 (2.1%) 0.00 189
2020-06-01 $342,250 (5.3%) $433,857 (4.4%) 0.00 170
2020-07-01 $357,225 (5.2%) $439,132 (1.9%) 0.00 142
2020-08-01 $379,900 (12.5%) $454,040 (1.9%) 0.00 141
2020-09-01 $380,000 (13.6%) $464,482 (4.9%) 0.00 155
2020-10-01 $379,500 (13.7%) $482,919 (9.6%) 0.00 161
2020-11-01 $394,450 (16.4%) $485,477 (15.2%) 0.00 156
2020-12-01 $363,750 (8.4%) $466,937 (10.9%) 0.00 154
2021-01-01 $396,250 (23.8%) $491,196 (16.1%) 0.00 134
2021-02-01 $414,563 (38.2%) $518,918 (31.2%) 0.00 108
2021-03-01 $438,000 (42.7%) $539,191 (35.0%) 0.00 95
2021-04-01 $416,975 (35.6%) $525,307 (29.7%) 0.00 114
2021-05-01 $399,000 (24.0%) $555,667 (33.4%) 0.00 117
2021-06-01 $422,250 (23.4%) $563,285 (29.8%) 0.00 104
2021-07-01 $444,000 (24.3%) $731,927 (66.7%) 0.00 114
2021-08-01 $399,675 (5.2%) $661,377 (45.7%) 0.00 128
2021-09-01 $386,225 (1.6%) $637,906 (37.3%) 0.00 145
2021-10-01 $399,450 (5.3%) $658,957 (36.5%) 0.00 144
2021-11-01 $383,000 (-2.9%) $638,791 (31.6%) 0.00 146
2021-12-01 $399,000 (9.7%) $640,934 (37.3%) 0.00 129
2022-01-01 $399,900 (0.9%) $645,799 (31.5%) 0.00 119
2022-02-01 $374,725 (-9.6%) $642,175 (23.8%) 0.00 116
2022-03-01 $399,700 (-8.7%) $639,952 (18.7%) 0.00 119
2022-04-01 $399,000 (-4.3%) $508,912 (-3.1%) 0.00 134
2022-05-01 $425,000 (6.5%) $570,167 (2.6%) 0.00 170
2022-06-01 $447,500 (6.0%) $570,215 (1.2%) 0.00 190
2022-07-01 $437,000 (-1.6%) $551,077 (-24.7%) 0.00 208
2022-08-01 $427,450 (7.0%) $524,530 (-20.7%) 0.00 231
2022-09-01 $410,250 (6.2%) $512,445 (-19.7%) 0.00 235
2022-10-01 $410,000 (2.6%) $507,950 (-22.9%) 0.00 243
2022-11-01 $401,975 (5.0%) $507,729 (-20.5%) 0.00 238
2022-12-01 $399,000 (0.0%) $521,954 (-18.6%) 0.00 219
2023-01-01 $399,425 (-0.1%) $516,177 (-20.1%) 0.00 190
2023-02-01 $399,125 (6.5%) $507,049 (-21.0%) 0.00 183
2023-03-01 $399,425 (-0.1%) $527,358 (-17.6%) 0.00 164
2023-04-01 $415,000 (4.0%) $547,023 (7.5%) 0.00 161
2023-05-01 $413,500 (-2.7%) $548,725 (-3.8%) 0.00 168
2023-06-01 $419,250 (-6.3%) $571,240 (0.2%) 0.00 179
2023-07-01 $399,000 (-8.7%) $557,038 (1.1%) 0.00 178
2023-08-01 $395,750 (-7.4%) $541,382 (3.2%) 0.00 189
2023-09-01 $399,000 (-2.7%) $525,596 (2.6%) 0.00 198
2023-10-01 $397,500 (-3.1%) $533,240 (5.0%) 0.00 181
2023-11-01 $390,750 (-2.8%) $530,945 (4.6%) 0.00 192
2023-12-01 $389,000 (-2.5%) $539,609 (3.4%) 0.00 158
Red Bluff's median listing price for 2023-12-01 was $389,000, a difference of $-10,000 (-2.5%) versus the prior year and $-1,750 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 2023-12-01 was $539,609, a difference of $17,655 (3.4%) versus the prior year and $8,664 versus the prior month.

For the 2023-12-01 period, Red Bluff had 158 MLS listings, a difference of -34 listings (-18%) versus the prior month and -61 listings (-28%) 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 1,748 sqft
2018-02-01 0 days 1,719 sqft
2018-03-01 0 days 1,725 sqft
2018-04-01 0 days 1,722 sqft
2018-05-01 0 days 1,721 sqft
2018-06-01 0 days 1,741 sqft
2018-07-01 0 days 1,751 sqft
2018-08-01 0 days 1,726 sqft
2018-09-01 0 days 1,708 sqft
2018-10-01 0 days 1,703 sqft
2018-11-01 0 days 1,700 sqft
2018-12-01 0 days 1,700 sqft
2019-01-01 0 days 1,717 sqft
2019-02-01 0 days 1,700 sqft
2019-03-01 0 days 1,659 sqft
2019-04-01 0 days 1,656 sqft
2019-05-01 0 days 1,693 sqft
2019-06-01 0 days 1,712 sqft
2019-07-01 0 days 1,703 sqft
2019-08-01 0 days 1,700 sqft
2019-09-01 0 days 1,684 sqft
2019-10-01 0 days 1,674 sqft
2019-11-01 0 days 1,686 sqft
2019-12-01 0 days 1,682 sqft
2020-01-01 0 days 1,657 sqft
2020-02-01 0 days 1,600 sqft
2020-03-01 0 days 1,628 sqft
2020-04-01 0 days 1,660 sqft
2020-05-01 0 days 1,700 sqft
2020-06-01 0 days 1,744 sqft
2020-07-01 0 days 1,766 sqft
2020-08-01 0 days 1,800 sqft
2020-09-01 0 days 1,810 sqft
2020-10-01 0 days 1,753 sqft
2020-11-01 0 days 1,793 sqft
2020-12-01 0 days 1,669 sqft
2021-01-01 0 days 1,726 sqft
2021-02-01 0 days 1,800 sqft
2021-03-01 0 days 1,805 sqft
2021-04-01 0 days 1,762 sqft
2021-05-01 0 days 1,758 sqft
2021-06-01 0 days 1,719 sqft
2021-07-01 0 days 1,680 sqft
2021-08-01 0 days 1,637 sqft
2021-09-01 0 days 1,664 sqft
2021-10-01 0 days 1,727 sqft
2021-11-01 0 days 1,635 sqft
2021-12-01 0 days 1,614 sqft
2022-01-01 0 days 1,618 sqft
2022-02-01 0 days 1,614 sqft
2022-03-01 0 days 1,671 sqft
2022-04-01 0 days 1,680 sqft
2022-05-01 0 days 1,761 sqft
2022-06-01 0 days 1,789 sqft
2022-07-01 0 days 1,724 sqft
2022-08-01 0 days 1,703 sqft
2022-09-01 0 days 1,679 sqft
2022-10-01 0 days 1,682 sqft
2022-11-01 0 days 1,706 sqft
2022-12-01 0 days 1,697 sqft
2023-01-01 0 days 1,697 sqft
2023-02-01 0 days 1,708 sqft
2023-03-01 0 days 1,748 sqft
2023-04-01 0 days 1,768 sqft
2023-05-01 0 days 1,765 sqft
2023-06-01 0 days 1,724 sqft
2023-07-01 0 days 1,684 sqft
2023-08-01 0 days 1,649 sqft
2023-09-01 0 days 1,650 sqft
2023-10-01 0 days 1,660 sqft
2023-11-01 0 days 1,637 sqft
2023-12-01 0 days 1,682 sqft
Red Bluff's median listing age (time on market) for 2023-12-01 was 0 days.

Red Bluff's median square footage for active listings during the 2023-12-01 period was 1,682 sqft. One year prior, the average listing was 1,697 sqft.

Red Bluff, CA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 688 $196,500,000 $285,610
Cash Out Refi 335 $79,795,000 $238,194
Refi 195 $46,275,000 $237,308
Home Improvement 77 $7,925,000 $102,922
Other 68 $6,420,000 $94,412

Red Bluff's most frequently cited loan purpose was Home Purchase, with 688 originations. The 2nd most popular reason was Cash Out Refi, with 335 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 342 $90,190,000 $263,713
4-5% 301 $79,945,000 $265,598
5-6% 300 $79,810,000 $266,033
6-7% 155 $37,645,000 $242,871
2.5-3% 88 $21,600,000 $245,455
<2.5% 73 $7,635,000 $104,589
7-8% 61 $10,885,000 $178,443
Over 8% 38 $3,400,000 $89,474

During 2022, Red Bluff's most frequently originated rate bucket was 3-4%, with 342 originations.

Loan Sizing (Red Bluff, CA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 687 $193,235,000 $281,274
$100k-200k 329 $50,555,000 $153,663
$100,000 or less 192 $9,570,000 $49,844
$400k-600k 131 $60,125,000 $458,969
$600k-1000k 19 $12,535,000 $659,737
$Over $1MM 5 $10,895,000 $2,179,000

Red Bluff's loan sizing saw the bucket of loans from $200k-400k with 687 originations, totaling $193,235,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 535 $168,595,000 $315,131
60-80% 336 $90,740,000 $270,060
40-60% 187 $41,505,000 $221,952
Under 20% 151 $6,925,000 $45,861
20-40% 129 $16,545,000 $128,256
Over 100% 16 $5,780,000 $361,250

Red Bluff's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 535 originations, totaling $168,595,000 in origination value.