Red Bluff Mortgage Rates & Closing Costs
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% |
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.).
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.