Red Bluff Mortgage Rates
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% |
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.).
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 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 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.
