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 6.79% for the week of 2025-07-10, compared to the national average of 6.72% for the same period.

The average rate for the prior week (2025-07-03) was 7.14% and one month ago for the week of 2025-06-05, the average rate was 6.92%.

Red Bluff's average rate one year ago was 7.02%.

For refis of the same type during the week of 2025-07-10, the average rate was 6.82%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-07-10 6.72%
Red Bluff 30 Year Fixed Rate 2025-07-10 6.79%
Red Bluff 30 Year Fixed Rate Refi 2025-07-10 6.82%
Red Bluff 15 Year Fixed Rate 2025-07-10 5.86%
Red Bluff 15 Year Fixed Rate Refi 2025-07-10 6.46%
Red Bluff 30 Year FHA 2025-07-10 6.63%
Red Bluff 30 Year FHA Refi 2025-07-10 6.52%
Red Bluff 30 Year USDA 2025-07-10 6.45%
Red Bluff 30 Year USDA Refi 2025-07-10 6.45%
Red Bluff 30 Year VA 2025-07-10 6.17%
Red Bluff 30 Year VA Refi 2025-07-10 6.27%
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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
PRIMELENDING, A PLAINSCAPITAL COMPANY 45 7.11% $7,803
QUICKEN LOANS, LLC 36 6.74% $6,888
UNITED WHOLESALE MORTGAGE, LLC 23 6.82% $7,015
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 19 6.88% $9,585
Commerce Home Mortgage, Inc. 14 6.81% $7,899
American Mortgage & Equity Consultants, Inc. 11 6.96% $7,774
AMERICAN PACIFIC MORTGAGE CORPORATION 9 7.28% $9,175
The Loan Store, Inc. 7 6.73% $6,046
MORTGAGEONE, INC. 7 6.98% $10,370
LOANDEPOT.COM, LLC 6 6.58% $7,183
SUMMIT FUNDING, INC. 6 6.94% $8,983
Sierra Central Credit Union 6 6.60% $3,494
INFINITY EQUITY GROUP, INC. 6 7.08% $8,544
GUILD MORTGAGE COMPANY 6 6.94% $7,225
Tri Counties Bank 6 6.35% $4,218
BROKER SOLUTIONS, INC. 6 7.06% $5,058
Century Mortgage Company DBA Century Lending Company 4 7.59% $6,037
Wells Fargo Bank 3 6.54% $6,328
Flagstar Bank, FSB 3 6.79% $7,139
GUARANTEED RATE, INC. 3 6.91% $6,444
ON Q FINANCIAL, INC. 3 6.96% $4,511
JPMorgan Chase Bank 3 6.58% $5,009
AMERISAVE MORTGAGE CORPORATION 3 6.54% $8,498
Umpqua Bank 3 6.75% $5,763
Sierra Pacific Mortgage Company, Inc. 2 6.06% $10,882
Cornerstone First Mortgage, Inc 2 7.00% $5,785
JMAC LENDING, INC. 2 6.88% $4,148
OCMBC, INC. 2 4.00% $7,577
Home Mortgage Alliance Corp 2 6.75% $5,757
First National Bank of America 2 9.43% $14,304
NEWREZ LLC 2 6.50% $7,923
MOVEMENT MORTGAGE, LLC 2 6.00% $5,778
GUARANTEED RATE AFFINITY, LLC 2 6.81% $4,991
USAA Federal Savings Bank 2 6.88% $5,515
U.S. Bank 2 6.25% $9,395
Mr. Cooper ( Nationstar Mortgage ) 2 6.50% $4,652
CROSSCOUNTRY MORTGAGE, LLC 2 7.29% $15,281
SNAPFI, INC. 1 6.63% $3,885
STARBOARD FINANCIAL MANAGEMENT, LLC 1 6.63% $4,472
TRIAD FINANCIAL SERVICES, INC. 1 8.80% $15,515
V.I.P. MORTGAGE, INC. 1 7.63% $9,821
NexBank 1 6.50% $11,361
Ally Bank 1 5.63% $8,295
AMERICAN FINANCIAL NETWORK, INC. 1 7.38% $2,400
AXIA FINANCIAL, LLC 1 7.63% $4,421
Bank of America 1 7.50% $3,472
Banner Bank 1 7.00% $3,432
CMG MORTGAGE, INC. 1 6.25% $14,835
DEEPHAVEN MORTGAGE LLC 1 9.50% $5,227
EVERETT FINANCIAL, INC. 1 6.38% $11,086
Firefighters First Federal Credit Union 1 6.75% $4,726
FIRST COLONY MORTGAGE CORPORATION 1 6.50% $7,293
GOOGAIN, INC. 1 7.38% $2,648
JMJ FINANCIAL GROUP 1 6.63% $6,588
Keystone Funding, Inc. 1 6.88% $15,880
LAND HOME FINANCIAL SERVICES, INC. 1 7.63% $6,688
LENDSURE MORTGAGE CORP. 1 7.63% $9,326
LOANPAL, LLC 1 6.38% $4,976
MASON MCDUFFIE MORTGAGE CORPORATION 1 7.00% $6,472
MEGASTAR FINANCIAL CORP. 1 7.63% $5,608
MEMBERS 1ST CREDIT UNION 1 7.49% $2,503
Morgan Stanley Private Bank 1 6.85% $3,422
MUTUAL OF OMAHA MORTGAGE, INC. 1 7.49% $10,380
NAVY FEDERAL CREDIT UNION 1 6.38% $6,427
NBKC BANK 1 7.13% $1,820
NEW WAVE LENDING GROUP INC 1 8.13% $4,539
ALAMEDA MORTGAGE CORPORATION 1 7.13% $6,053
Northwest Farm Credit Services, FLCA 1 6.25% $20,112
NP, Inc. 1 8.50% $16,817
Plains Commerce Bank 1 6.25% $18,014
PLANET HOME LENDING, LLC 1 6.13% $4,411
PLAZA HOME MORTGAGE, INC. 1 6.99% $15,752
PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.63% $8,094
Prosperity Home Mortgage, LLC 1 6.63% $6,552
PROVIDENT FUNDING ASSOCIATES, L.P. 1 7.00% $5,011
REDWOOD 1 7.00% $4,753
ROGUE 1 7.00% $5,679
SAFE CREDIT UNION 1 6.88% $6,544

Red Bluff Average Closing Costs & Other Stats

Red Bluff, CA's 78 lenders originated 931 loans during 2024. The total origination value was $213,935,000, with an average loan value of $229,791.

Red Bluff's average closing costs are $6,309.

The top Red Bluff lender as defined by loan originations is PRIMELENDING, A PLAINSCAPITAL COMPANY, with 45 loans originated. Their average total fees are $7,803, which is $915 higher than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Red Bluff lenders (with over 10 loans originated) are QUICKEN LOANS, LLC ($6,888), UNITED WHOLESALE MORTGAGE, LLC ($7,015), American Mortgage & Equity Consultants, Inc. ($7,774), PRIMELENDING, A PLAINSCAPITAL COMPANY ($7,803) and Commerce Home Mortgage, Inc. ($7,899).

The lowest rate Red Bluff lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (6.74%), Commerce Home Mortgage, Inc. (6.81%), UNITED WHOLESALE MORTGAGE, LLC (6.82%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.88%) and American Mortgage & Equity Consultants, Inc. (6.96%).

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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
PRIMELENDING, A PLAINSCAPITAL COMPANY $17,235,000 $20,930,000 21.4% 9.8%
QUICKEN LOANS, LLC $11,740,000 $15,845,000 35.0% 7.4%
UNITED WHOLESALE MORTGAGE, LLC $11,480,000 $15,625,000 36.1% 7.3%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,825,000 $12,565,000 344.8% 5.9%
Commerce Home Mortgage, Inc. $23,525,000 $9,265,000 -60.6% 4.3%
AMERICAN PACIFIC MORTGAGE CORPORATION $8,380,000 $7,380,000 -11.9% 3.4%
American Mortgage & Equity Consultants, Inc. $3,885,000 $4,955,000 27.5% 2.3%
MORTGAGEONE, INC. $1,200,000 $4,780,000 298.3% 2.2%
Sierra Central Credit Union $2,515,000 $4,670,000 85.7% 2.2%
Tri Counties Bank $2,175,000 $4,395,000 102.1% 2.1%
INFINITY EQUITY GROUP, INC. $3,280,000 $4,165,000 27.0% 1.9%
GUILD MORTGAGE COMPANY $4,330,000 $4,100,000 -5.3% 1.9%
NEWREZ LLC $2,270,000 $4,000,000 76.2% 1.9%
SUMMIT FUNDING, INC. $13,970,000 $3,825,000 -72.6% 1.8%
BROKER SOLUTIONS, INC. $1,055,000 $3,645,000 245.5% 1.7%
ON Q FINANCIAL, INC. $2,675,000 $3,570,000 33.5% 1.7%
GUARANTEED RATE, INC. $2,980,000 n/a 1.4%
Umpqua Bank $2,255,000 $2,920,000 29.5% 1.4%
Mortgage Research Center, LLC $2,600,000 $2,915,000 12.1% 1.4%
Banner Bank $2,665,000 $2,815,000 5.6% 1.3%
Arbor Realty Trust, Inc. $2,695,000 n/a 1.3%
The Loan Store, Inc. $380,000 $2,675,000 603.9% 1.3%
CROSSCOUNTRY MORTGAGE, LLC $2,885,000 $2,610,000 -9.5% 1.2%
MOVEMENT MORTGAGE, LLC $4,180,000 $2,550,000 -39.0% 1.2%
U.S. Bank $3,765,000 $2,470,000 -34.4% 1.2%
Sierra Pacific Mortgage Company, Inc. $2,275,000 $2,460,000 8.1% 1.1%
Century Mortgage Company DBA Century Lending Company $860,000 $2,445,000 184.3% 1.1%
Paramount Residential Mortgage Group, Inc. $1,755,000 $2,190,000 24.8% 1.0%
FREEDOM MORTGAGE CORPORATION $1,715,000 $2,105,000 22.7% 1.0%
MEGASTAR FINANCIAL CORP. $2,705,000 $1,940,000 -28.3% 0.9%
Home Mortgage Alliance Corp $1,700,000 n/a 0.8%
JPMorgan Chase Bank $1,080,000 $1,655,000 53.2% 0.8%
Bank of America $660,000 $1,570,000 137.9% 0.7%
CMG MORTGAGE, INC. $460,000 $1,505,000 227.2% 0.7%
MASON MCDUFFIE MORTGAGE CORPORATION $1,840,000 $1,480,000 -19.6% 0.7%
Mr. Cooper ( Nationstar Mortgage ) $1,905,000 $1,465,000 -23.1% 0.7%
MEMBERS 1ST CREDIT UNION $365,000 $1,385,000 279.5% 0.6%
LOANPAL, LLC $770,000 $1,355,000 76.0% 0.6%
OCMBC, INC. $760,000 $1,245,000 63.8% 0.6%
LOANDEPOT.COM, LLC $2,010,000 $1,235,000 -38.6% 0.6%
NAVY FEDERAL CREDIT UNION $960,000 $1,220,000 27.1% 0.6%
Keystone Funding, Inc. $1,125,000 n/a 0.5%
Flagstar Bank, FSB $1,230,000 $1,110,000 -9.8% 0.5%
Northwest Farm Credit Services, FLCA $860,000 $1,045,000 21.5% 0.5%
First National Bank of America $975,000 n/a 0.5%
NATIONS DIRECT MORTGAGE, LLC $795,000 $945,000 18.9% 0.4%
HOMEXPRESS MORTGAGE CORP. $400,000 $930,000 132.5% 0.4%
Equity Prime Mortgage LLC $310,000 $910,000 193.5% 0.4%
PLANET HOME LENDING, LLC $375,000 $895,000 138.7% 0.4%
USAA Federal Savings Bank $215,000 $885,000 311.6% 0.4%
NEW DAY FINANCIAL, LLC $540,000 $880,000 63.0% 0.4%
ROGUE $810,000 n/a 0.4%
LENDINGHOME FUNDING CORPORATION $405,000 $805,000 98.8% 0.4%
Wells Fargo Bank $1,315,000 $780,000 -40.7% 0.4%
JMAC LENDING, INC. $95,000 $750,000 689.5% 0.4%
Plains Commerce Bank $575,000 $745,000 29.6% 0.3%
ALLIANT CREDIT UNION $775,000 $735,000 -5.2% 0.3%
HOMEBRIDGE FINANCIAL SERVICES, INC. $25,000 $720,000 2,780.0% 0.3%
PROVIDENT FUNDING ASSOCIATES, L.P. $675,000 n/a 0.3%
AMERISAVE MORTGAGE CORPORATION $950,000 $660,000 -30.5% 0.3%
GUARANTEED RATE AFFINITY, LLC $640,000 n/a 0.3%
NexBank $285,000 $605,000 112.3% 0.3%
FINANCE OF AMERICA REVERSE LLC $125,000 $590,000 372.0% 0.3%
SUN WEST MORTGAGE COMPANY, INC. $265,000 $590,000 122.6% 0.3%
VILLAGE CAPITAL MORTGAGE $450,000 $560,000 24.4% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $480,000 $525,000 9.4% 0.2%
AMERICAN FINANCIAL RESOURCES, INC. $510,000 n/a 0.2%
PLAZA HOME MORTGAGE, INC. $505,000 n/a 0.2%
NP, Inc. $465,000 n/a 0.2%
DEEPHAVEN MORTGAGE LLC $455,000 n/a 0.2%
FIRST COLONY MORTGAGE CORPORATION $455,000 n/a 0.2%
PANORAMA MORTGAGE GROUP, LLC $435,000 n/a 0.2%
REDWOOD $425,000 n/a 0.2%
MORIA DEVELOPMENT, INC. $415,000 n/a 0.2%
California Coast Credit Union $410,000 n/a 0.2%
GENEVA FINANCIAL, LLC $335,000 $405,000 20.9% 0.2%
PACIFIC SERVICE $405,000 n/a 0.2%
SAFE CREDIT UNION $405,000 n/a 0.2%
SNAPFI, INC. $400,000 $400,000 0.0% 0.2%
Prosperity Home Mortgage, LLC $85,000 $395,000 364.7% 0.2%
Cornerstone First Mortgage, Inc $1,585,000 $370,000 -76.7% 0.2%
EVERETT FINANCIAL, INC. $370,000 n/a 0.2%
Coastal Community Bank $60,000 $355,000 491.7% 0.2%
JMJ FINANCIAL GROUP $495,000 $355,000 -28.3% 0.2%
AMERICAN FINANCIAL NETWORK, INC. $325,000 n/a 0.2%
V.I.P. MORTGAGE, INC. $325,000 n/a 0.2%
NEW WAVE LENDING GROUP INC $315,000 n/a 0.1%
VERITAS FUNDING, LLC $225,000 $315,000 40.0% 0.1%
Figure Lending LLC $550,000 $310,000 -43.6% 0.1%
TRIAD FINANCIAL SERVICES, INC. $165,000 $310,000 87.9% 0.1%
PENNYMAC LOAN SERVICES, LLC $1,605,000 $305,000 -81.0% 0.1%
ALAMEDA MORTGAGE CORPORATION $480,000 $285,000 -40.6% 0.1%
21ST MORTGAGE CORPORATION $185,000 $280,000 51.4% 0.1%
PREMIER MORTGAGE RESOURCES, L.L.C. $275,000 n/a 0.1%
STARBOARD FINANCIAL MANAGEMENT, LLC $275,000 n/a 0.1%
MLD MORTGAGE INC. $265,000 n/a 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $265,000 n/a 0.1%
Morgan Stanley Private Bank $255,000 n/a 0.1%
LAKEVIEW LOAN SERVICING, LLC $245,000 n/a 0.1%
LAND HOME FINANCIAL SERVICES, INC. $1,005,000 $245,000 -75.6% 0.1%
AMERICAN FINANCING CORPORATION $235,000 n/a 0.1%
MID AMERICA MORTGAGE, INC. $665,000 $235,000 -64.7% 0.1%
NBKC BANK $235,000 n/a 0.1%
Self-Help Federal Credit Union $195,000 $235,000 20.5% 0.1%
THE GOLDEN 1 $930,000 $225,000 -75.8% 0.1%
SCHOOLSFIRST $395,000 $220,000 -44.3% 0.1%
AXIA FINANCIAL, LLC $320,000 $215,000 -32.8% 0.1%
Firefighters First Federal Credit Union $35,000 $215,000 514.3% 0.1%
Mechanics Bank $105,000 $210,000 100.0% 0.1%
AMWEST FUNDING CORP. $235,000 $190,000 -19.1% 0.1%
LENDSURE MORTGAGE CORP. $185,000 n/a 0.1%
Barrington Bank & Trust Company, N.A. $85,000 $170,000 100.0% 0.1%
GOOGAIN, INC. $165,000 n/a 0.1%
San Mateo Credit Union $165,000 n/a 0.1%
S1L, Inc. $155,000 n/a 0.1%
HighTechLending Inc $145,000 n/a 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $55,000 $135,000 145.5% 0.1%
Ally Bank $125,000 n/a 0.1%
Citadel Servicing Corporation $175,000 $115,000 -34.3% 0.1%
FIRST U.S. COMMUNITY CREDIT UNION $115,000 n/a 0.1%
SPRING EQ, LLC $115,000 n/a 0.1%
Carrington Mortgage Services, LLC $250,000 $105,000 -58.0% 0.0%
Commercial Loan Corporation $105,000 n/a 0.0%
CommonWealth Central Credit Union $105,000 n/a 0.0%
GTE Federal Credit Union $105,000 n/a 0.0%
PHH Mortgage Corporation $585,000 $105,000 -82.1% 0.0%
Discover Bank $330,000 $100,000 -69.7% 0.0%
Bethpage Federal Credit Union $95,000 n/a 0.0%
PENTAGON FEDERAL CREDIT UNION $105,000 $65,000 -38.1% 0.0%
BMO Harris Bank $295,000 $55,000 -81.4% 0.0%
NASA Federal Credit Union $55,000 n/a 0.0%
PATELCO $35,000 n/a 0.0%
PremierOne Credit Union $35,000 n/a 0.0%

Red Bluff's top lender by overall market share is PRIMELENDING, A PLAINSCAPITAL COMPANY, with 9.8% market share. In second place, with 7.4%, is QUICKEN LOANS, LLC, having originated $15,845,000 in loans. In third place, with 7.3%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $15,625,000 in loans. In fourth place, with 5.9%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $12,565,000 in loans. In fifth place, with 4.3%, is Commerce Home Mortgage, Inc., having originated $9,265,000 in loans.

Red Bluff, CA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 542 $152,420,000 $281,218
Cash Out Refi 128 $25,420,000 $198,594
Refi 108 $21,090,000 $195,278
Other 86 $7,820,000 $90,930
Home Improvement 66 $6,910,000 $104,697
NA 1 $275,000 $275,000

Red Bluff's most frequently cited loan purpose was Home Purchase, with 542 originations. The 2nd most popular reason was Cash Out Refi, with 128 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 332 $95,540,000 $287,771
Over 8% 214 $25,580,000 $119,533
7-8% 212 $53,500,000 $252,358
5-6% 118 $35,850,000 $303,814
<2.5% 43 $725,000 $16,860
4-5% 7 $2,105,000 $300,714
3-4% 1 $245,000 $245,000
2.5-3% 1 $225,000 $225,000

During 2024, Red Bluff's most frequently originated rate bucket was 6-7%, with 332 originations.

Loan Sizing (Red Bluff, CA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 407 $116,425,000 $286,057
$100,000 or less 235 $10,775,000 $45,851
$100k-200k 175 $25,875,000 $147,857
$400k-600k 90 $41,880,000 $465,333
$600k-1000k 20 $13,150,000 $657,500
$Over $1MM 4 $5,830,000 $1,457,500

Red Bluff's loan sizing saw the bucket of loans from $200k-400k with 407 originations, totaling $116,425,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 391 $128,145,000 $327,737
Under 20% 202 $9,220,000 $45,644
60-80% 153 $44,105,000 $288,268
20-40% 95 $11,105,000 $116,895
40-60% 64 $13,600,000 $212,500
Over 100% 11 $4,225,000 $384,091

Red Bluff's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 391 originations, totaling $128,145,000 in origination value.