Top Mortgage Lenders in Redding, CA

Which mortgage lender in the Redding, CA area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Redding, CA area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Redding, CA area in terms of interest rate is Guild Mortgage Company, with an average “Rate Difference” of -0.20%. This means that, comparing similar borrowers, Guild Mortgage Company provided a -0.20% lower interest rate for its customers than other lenders in the area. Guild Mortgage Company has a market share of 3.0%. On the other hand, the most popular lender in the Redding, CA area is Quicken Loans, with a larger market share of 10.1%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.02% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Redding, CA area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Redding, CA is Guild Mortgage Company. If you want to take out a loan that is above conforming limits (for example, above $548,250 in 2021), the cheapest Jumbo mortgage provider is Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Commerce Home Mortgage. The cheapest VA mortgage provider is Home Point Financial Corporation. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Redding, CA

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Guild Mortgage Company-0.20%(4.5)2.99%
Provident Funding-0.18%(4.5)1.02%
Tri Counties Bank-0.16%(4.5)2.76%
Sierra Central Credit Union-0.14%(4.0)1.88%
DHI Mortgage Company Limited-0.12%(4.0)0.34%
CashCall Mortgage-0.12%(4.0)0.49%
loanDepot-0.10%(4.0)2.45%
NewRez-0.09%(4.0)1.29%
Bank of America-0.09%(4.0)1.26%
Home Point Financial Corporation-0.09%(4.0)1.22%
HomeBridge Financial Services-0.08%(4.0)0.94%
Megastar Financial Corporation-0.07%(4.0)1.29%
Midwest Equity Mortgage-0.06%(4.0)1.21%
PRMG Mortgage-0.06%(4.0)1.57%
JPMorgan Chase Bank-0.05%(3.5)1.37%
Hometown Lenders-0.05%(3.5)0.54%
New American Funding-0.05%(3.5)0.48%
Caliber Home Loans-0.04%(3.5)9.75%
USAA-0.03%(3.5)0.77%
Golden 1 Credit Union-0.03%(3.5)0.67%
Lakeview Loan Servicing-0.02%(3.5)0.34%
Keller Mortgage-0.02%(3.5)0.52%
Sierra Pacific Mortgage-0.02%(3.5)1.11%
Wells Fargo Bank-0.02%(3.5)3.82%
Stearns Home Loans-0.01%(3.5)0.40%
Gold Star Mortgage Financial Group-0.01%(3.5)0.40%
Movement Mortgage-0.01%(3.5)2.64%
Fairway Independent Mortgage Corporation-0.00%(3.5)0.65%
Dignified Home Loans0.01%(3.5)0.37%
AmeriFirst Financial0.01%(3.5)0.45%
PennyMac Loan Services0.01%(3.5)1.53%
Flagstar Bank0.01%(3.5)3.72%
Carrington Mortgage Services0.02%(3.5)0.43%
Quicken Loans0.02%(3.5)10.15%
Commerce Home Mortgage0.02%(3.5)9.39%
US Bank0.02%(3.5)1.74%
Finance of America Mortgage0.03%(3.5)1.08%
Premier Mortgage Resources0.03%(3.5)0.70%
Freedom Mortgage Corporation0.03%(3.5)1.30%
American Pacific Mortgage0.04%(3.5)6.56%
Axia Home Loans0.04%(3.5)0.56%
Mechanics Bank CA0.07%(3.0)0.38%
Umpqua Bank0.07%(3.0)1.15%
HomeStreet Bank0.09%(3.0)0.93%
PrimeLending0.10%(3.0)4.26%
Loan Simple0.13%(3.0)1.33%
Evergreen Moneysource Mortgage Company0.13%(3.0)0.69%
Mr. Cooper0.17%(2.5)1.29%
Summit Funding Inc0.17%(2.5)7.84%
Lender NameRate DifferenceRate RatingMarket Share
Guild Mortgage Company-0.28%(5.0)3.84%
Wells Fargo Bank-0.18%(4.5)3.19%
HomeBridge Financial Services-0.15%(4.0)1.06%
Sierra Central Credit Union-0.13%(4.0)0.72%
Tri Counties Bank-0.13%(4.0)1.81%
Golden 1 Credit Union-0.12%(4.0)0.53%
Bank of America-0.12%(4.0)0.81%
DHI Mortgage Company Limited-0.11%(4.0)0.66%
JPMorgan Chase Bank-0.11%(4.0)1.17%
Home Point Financial Corporation-0.11%(4.0)0.89%
Keller Mortgage-0.09%(4.0)0.59%
PRMG Mortgage-0.09%(4.0)1.89%
Provident Funding-0.09%(4.0)0.45%
loanDepot-0.05%(4.0)0.53%
Midwest Equity Mortgage-0.05%(3.5)1.17%
Hometown Lenders-0.05%(3.5)0.93%
US Bank-0.05%(3.5)1.36%
Megastar Financial Corporation-0.03%(3.5)1.61%
Freedom Mortgage Corporation-0.03%(3.5)0.93%
NewRez-0.03%(3.5)0.45%
Mechanics Bank CA-0.03%(3.5)0.30%
Caliber Home Loans-0.03%(3.5)11.38%
Stearns Home Loans-0.02%(3.5)0.55%
USAA-0.02%(3.5)0.89%
Quicken Loans-0.02%(3.5)3.61%
Gold Star Mortgage Financial Group-0.01%(3.5)0.55%
PennyMac Loan Services-0.01%(3.5)0.21%
Commerce Home Mortgage-0.01%(3.5)13.19%
New American Funding-0.01%(3.5)0.32%
Premier Mortgage Resources-0.00%(3.5)0.70%
Movement Mortgage0.00%(3.5)3.59%
Sierra Pacific Mortgage0.00%(3.5)1.25%
Flagstar Bank0.01%(3.5)3.80%
Fairway Independent Mortgage Corporation0.01%(3.5)0.85%
Dignified Home Loans0.01%(3.5)0.64%
Lakeview Loan Servicing0.01%(3.5)0.02%
AmeriFirst Financial0.03%(3.5)0.28%
American Pacific Mortgage0.04%(3.5)9.05%
Axia Home Loans0.04%(3.5)0.70%
Carrington Mortgage Services0.05%(3.5)0.04%
Finance of America Mortgage0.05%(3.0)1.13%
CashCall Mortgage0.05%(3.0)0.11%
Mr. Cooper0.06%(3.0)0.51%
PrimeLending0.06%(3.0)5.46%
HomeStreet Bank0.09%(3.0)1.55%
Umpqua Bank0.09%(3.0)1.08%
Evergreen Moneysource Mortgage Company0.15%(3.0)0.93%
Loan Simple0.17%(2.5)2.04%
Summit Funding Inc0.20%(2.5)10.66%
Lender NameRate DifferenceRate RatingMarket Share
Provident Funding-0.21%(4.5)1.64%
Tri Counties Bank-0.18%(4.5)3.78%
Sierra Central Credit Union-0.14%(4.0)3.12%
CashCall Mortgage-0.14%(4.0)0.91%
Megastar Financial Corporation-0.13%(4.0)0.93%
loanDepot-0.11%(4.0)4.50%
NewRez-0.11%(4.0)2.18%
Home Point Financial Corporation-0.08%(4.0)1.57%
Bank of America-0.08%(4.0)1.75%
Midwest Equity Mortgage-0.08%(4.0)1.25%
New American Funding-0.07%(4.0)0.66%
Caliber Home Loans-0.06%(4.0)8.01%
Sierra Pacific Mortgage-0.05%(4.0)0.96%
USAA-0.05%(3.5)0.64%
Lakeview Loan Servicing-0.03%(3.5)0.68%
Guild Mortgage Company-0.03%(3.5)2.07%
Movement Mortgage-0.02%(3.5)1.61%
Hometown Lenders-0.02%(3.5)0.11%
Fairway Independent Mortgage Corporation-0.02%(3.5)0.43%
Loan Simple-0.01%(3.5)0.57%
AmeriFirst Financial-0.01%(3.5)0.64%
Finance of America Mortgage-0.00%(3.5)1.02%
PRMG Mortgage-0.00%(3.5)1.23%
Gold Star Mortgage Financial Group-0.00%(3.5)0.23%
JPMorgan Chase Bank-0.00%(3.5)1.59%
Dignified Home Loans0.00%(3.5)0.09%
PennyMac Loan Services0.00%(3.5)2.93%
Carrington Mortgage Services0.01%(3.5)0.84%
Stearns Home Loans0.01%(3.5)0.23%
HomeBridge Financial Services0.01%(3.5)0.82%
Quicken Loans0.02%(3.5)17.15%
Flagstar Bank0.02%(3.5)3.64%
American Pacific Mortgage0.03%(3.5)3.89%
Golden 1 Credit Union0.04%(3.5)0.82%
Axia Home Loans0.05%(3.5)0.41%
Umpqua Bank0.05%(3.5)1.23%
Premier Mortgage Resources0.06%(3.0)0.71%
US Bank0.07%(3.0)2.14%
Freedom Mortgage Corporation0.07%(3.0)1.68%
Commerce Home Mortgage0.08%(3.0)5.32%
Keller Mortgage0.09%(3.0)0.43%
Evergreen Moneysource Mortgage Company0.10%(3.0)0.43%
Wells Fargo Bank0.10%(3.0)4.50%
HomeStreet Bank0.12%(3.0)0.27%
Summit Funding Inc0.12%(3.0)4.82%
Mechanics Bank CA0.13%(3.0)0.48%
PrimeLending0.19%(2.5)2.98%
Mr. Cooper0.20%(2.5)2.12%
Lender NameRate DifferenceRate RatingMarket Share
Guild Mortgage Company-0.33%(5.0)2.64%
Provident Funding-0.18%(4.5)1.37%
Tri Counties Bank-0.17%(4.5)3.54%
DHI Mortgage Company Limited-0.15%(4.0)0.29%
Sierra Central Credit Union-0.14%(4.0)2.50%
loanDepot-0.14%(4.0)2.23%
HomeBridge Financial Services-0.13%(4.0)0.79%
CashCall Mortgage-0.13%(4.0)0.60%
NewRez-0.11%(4.0)1.34%
Bank of America-0.10%(4.0)1.54%
Megastar Financial Corporation-0.10%(4.0)1.37%
Home Point Financial Corporation-0.08%(4.0)0.91%
New American Funding-0.08%(4.0)0.43%
Midwest Equity Mortgage-0.07%(4.0)1.12%
Hometown Lenders-0.07%(4.0)0.40%
JPMorgan Chase Bank-0.05%(4.0)1.72%
Caliber Home Loans-0.05%(3.5)9.69%
Golden 1 Credit Union-0.03%(3.5)0.87%
Stearns Home Loans-0.03%(3.5)0.29%
Gold Star Mortgage Financial Group-0.02%(3.5)0.43%
Keller Mortgage-0.02%(3.5)0.65%
Wells Fargo Bank-0.02%(3.5)4.77%
Sierra Pacific Mortgage-0.02%(3.5)1.12%
PRMG Mortgage-0.02%(3.5)1.19%
Dignified Home Loans-0.01%(3.5)0.35%
Carrington Mortgage Services-0.01%(3.5)0.12%
Lakeview Loan Servicing-0.01%(3.5)0.12%
USAA-0.01%(3.5)0.43%
Fairway Independent Mortgage Corporation-0.01%(3.5)0.54%
Flagstar Bank0.01%(3.5)3.36%
Movement Mortgage0.01%(3.5)2.45%
AmeriFirst Financial0.01%(3.5)0.47%
Quicken Loans0.02%(3.5)11.37%
Finance of America Mortgage0.02%(3.5)1.17%
US Bank0.03%(3.5)2.00%
Freedom Mortgage Corporation0.03%(3.5)1.15%
Premier Mortgage Resources0.03%(3.5)0.81%
American Pacific Mortgage0.04%(3.5)5.68%
PennyMac Loan Services0.05%(3.0)0.95%
Axia Home Loans0.06%(3.0)0.51%
Mechanics Bank CA0.07%(3.0)0.50%
Umpqua Bank0.07%(3.0)1.40%
PrimeLending0.10%(3.0)4.20%
Commerce Home Mortgage0.10%(3.0)8.37%
HomeStreet Bank0.10%(3.0)0.97%
Evergreen Moneysource Mortgage Company0.15%(2.5)0.68%
Loan Simple0.15%(2.5)1.13%
Summit Funding Inc0.16%(2.5)8.44%
Mr. Cooper0.23%(2.5)1.04%
Lender NameRate DifferenceRate RatingMarket Share
Guild Mortgage Company-0.53%(5.0)3.38%
Wells Fargo Bank-0.19%(4.5)4.08%
HomeBridge Financial Services-0.18%(4.5)1.17%
Bank of America-0.15%(4.0)0.92%
DHI Mortgage Company Limited-0.14%(4.0)0.61%
Tri Counties Bank-0.13%(4.0)2.52%
Sierra Central Credit Union-0.13%(4.0)1.04%
Golden 1 Credit Union-0.13%(4.0)0.74%
JPMorgan Chase Bank-0.12%(4.0)1.57%
Home Point Financial Corporation-0.10%(4.0)0.86%
Keller Mortgage-0.10%(4.0)0.77%
Provident Funding-0.09%(4.0)0.64%
loanDepot-0.07%(4.0)0.49%
Hometown Lenders-0.07%(4.0)0.71%
Megastar Financial Corporation-0.06%(4.0)1.63%
NewRez-0.05%(4.0)0.37%
US Bank-0.05%(4.0)1.57%
Midwest Equity Mortgage-0.04%(3.5)1.04%
Freedom Mortgage Corporation-0.04%(3.5)0.95%
Stearns Home Loans-0.04%(3.5)0.43%
New American Funding-0.04%(3.5)0.25%
Caliber Home Loans-0.04%(3.5)11.85%
PRMG Mortgage-0.03%(3.5)1.26%
Mechanics Bank CA-0.03%(3.5)0.43%
Gold Star Mortgage Financial Group-0.02%(3.5)0.61%
Quicken Loans-0.01%(3.5)4.11%
Flagstar Bank-0.01%(3.5)3.35%
Dignified Home Loans-0.01%(3.5)0.64%
Premier Mortgage Resources-0.00%(3.5)0.77%
PennyMac Loan Services0.00%(3.5)0.12%
Fairway Independent Mortgage Corporation0.01%(3.5)0.71%
Lakeview Loan Servicing0.02%(3.5)0.03%
Mr. Cooper0.02%(3.5)0.12%
PrimeLending0.02%(3.5)5.19%
Sierra Pacific Mortgage0.02%(3.5)1.23%
Movement Mortgage0.03%(3.5)3.44%
AmeriFirst Financial0.04%(3.5)0.31%
USAA0.05%(3.5)0.46%
American Pacific Mortgage0.06%(3.0)7.95%
Finance of America Mortgage0.06%(3.0)1.26%
Axia Home Loans0.08%(3.0)0.55%
CashCall Mortgage0.09%(3.0)0.09%
Commerce Home Mortgage0.10%(3.0)11.76%
Umpqua Bank0.10%(3.0)1.44%
HomeStreet Bank0.10%(3.0)1.69%
Summit Funding Inc0.18%(2.5)12.25%
Evergreen Moneysource Mortgage Company0.18%(2.5)0.92%
Loan Simple0.22%(2.5)1.72%
Lender NameRate DifferenceRate RatingMarket Share
Provident Funding-0.21%(4.5)2.03%
Tri Counties Bank-0.19%(4.5)4.48%
loanDepot-0.15%(4.5)3.83%
CashCall Mortgage-0.15%(4.0)1.07%
Sierra Central Credit Union-0.15%(4.0)3.83%
Megastar Financial Corporation-0.13%(4.0)1.13%
NewRez-0.12%(4.0)2.22%
New American Funding-0.09%(4.0)0.59%
Midwest Equity Mortgage-0.09%(4.0)1.18%
Bank of America-0.08%(4.0)2.11%
USAA-0.07%(4.0)0.39%
Sierra Pacific Mortgage-0.07%(4.0)1.01%
Home Point Financial Corporation-0.06%(4.0)0.96%
Caliber Home Loans-0.06%(4.0)7.71%
Movement Mortgage-0.03%(3.5)1.55%
Fairway Independent Mortgage Corporation-0.03%(3.5)0.39%
Guild Mortgage Company-0.03%(3.5)1.97%
Hometown Lenders-0.02%(3.5)0.11%
HomeBridge Financial Services-0.02%(3.5)0.45%
Lakeview Loan Servicing-0.02%(3.5)0.20%
Carrington Mortgage Services-0.02%(3.5)0.23%
Loan Simple-0.01%(3.5)0.59%
Gold Star Mortgage Financial Group-0.01%(3.5)0.25%
Finance of America Mortgage-0.01%(3.5)1.10%
AmeriFirst Financial-0.01%(3.5)0.62%
JPMorgan Chase Bank-0.00%(3.5)1.86%
PRMG Mortgage-0.00%(3.5)1.13%
Dignified Home Loans0.00%(3.5)0.08%
Quicken Loans0.02%(3.5)18.02%
Stearns Home Loans0.02%(3.5)0.17%
Flagstar Bank0.02%(3.5)3.38%
American Pacific Mortgage0.03%(3.5)3.60%
Golden 1 Credit Union0.04%(3.5)0.99%
Axia Home Loans0.04%(3.5)0.48%
PennyMac Loan Services0.05%(3.5)1.72%
Umpqua Bank0.05%(3.0)1.35%
Premier Mortgage Resources0.06%(3.0)0.84%
US Bank0.08%(3.0)2.39%
Freedom Mortgage Corporation0.08%(3.0)1.32%
Keller Mortgage0.08%(3.0)0.53%
Wells Fargo Bank0.10%(3.0)5.41%
Commerce Home Mortgage0.11%(3.0)5.26%
Evergreen Moneysource Mortgage Company0.11%(3.0)0.45%
HomeStreet Bank0.12%(3.0)0.31%
Summit Funding Inc0.13%(3.0)4.95%
Mechanics Bank CA0.13%(3.0)0.56%
PrimeLending0.21%(2.5)3.29%
Mr. Cooper0.24%(2.5)1.89%
Lender NameRate DifferenceRate RatingMarket Share
Commerce Home Mortgage-0.19%(4.5)15.35%
PRMG Mortgage-0.13%(4.0)3.36%
Home Point Financial Corporation-0.10%(4.0)1.61%
DHI Mortgage Company Limited-0.07%(4.0)0.63%
NewRez-0.06%(4.0)1.40%
Midwest Equity Mortgage-0.06%(4.0)1.40%
Movement Mortgage-0.05%(4.0)3.29%
Sierra Pacific Mortgage-0.04%(3.5)1.12%
Bank of America-0.03%(3.5)0.14%
Keller Mortgage-0.03%(3.5)0.21%
Tri Counties Bank-0.03%(3.5)0.42%
Lakeview Loan Servicing-0.03%(3.5)0.98%
Hometown Lenders-0.03%(3.5)1.19%
Caliber Home Loans-0.02%(3.5)9.74%
Axia Home Loans-0.02%(3.5)0.84%
CashCall Mortgage-0.02%(3.5)0.21%
Carrington Mortgage Services-0.01%(3.5)1.33%
PennyMac Loan Services-0.01%(3.5)1.89%
HomeBridge Financial Services-0.01%(3.5)1.40%
Wells Fargo Bank-0.00%(3.5)0.21%
Premier Mortgage Resources-0.00%(3.5)0.56%
US Bank0.00%(3.5)0.28%
Golden 1 Credit Union0.00%(3.5)0.07%
Fairway Independent Mortgage Corporation0.01%(3.5)1.12%
Quicken Loans0.01%(3.5)5.96%
Freedom Mortgage Corporation0.01%(3.5)1.68%
AmeriFirst Financial0.01%(3.5)0.14%
Stearns Home Loans0.01%(3.5)0.56%
American Pacific Mortgage0.01%(3.5)9.46%
Umpqua Bank0.02%(3.5)0.07%
New American Funding0.03%(3.5)0.70%
loanDepot0.03%(3.5)1.61%
Finance of America Mortgage0.03%(3.5)0.77%
HomeStreet Bank0.04%(3.5)0.98%
Megastar Financial Corporation0.04%(3.5)1.47%
Gold Star Mortgage Financial Group0.04%(3.5)0.42%
Flagstar Bank0.04%(3.5)4.56%
Mr. Cooper0.05%(3.0)2.31%
Dignified Home Loans0.07%(3.0)0.56%
Evergreen Moneysource Mortgage Company0.08%(3.0)1.05%
Guild Mortgage Company0.10%(3.0)4.84%
Loan Simple0.10%(3.0)2.45%
PrimeLending0.14%(3.0)5.40%
Summit Funding Inc0.31%(2.0)6.24%
Lender NameRate DifferenceRate RatingMarket Share
Commerce Home Mortgage-0.20%(4.5)18.70%
PRMG Mortgage-0.16%(4.5)3.85%
Home Point Financial Corporation-0.14%(4.0)0.94%
HomeBridge Financial Services-0.08%(4.0)0.75%
DHI Mortgage Company Limited-0.07%(4.0)0.85%
Midwest Equity Mortgage-0.07%(4.0)1.32%
Movement Mortgage-0.07%(4.0)3.85%
Sierra Pacific Mortgage-0.05%(4.0)1.22%
Tri Counties Bank-0.04%(3.5)0.28%
Bank of America-0.03%(3.5)0.19%
Keller Mortgage-0.03%(3.5)0.28%
Hometown Lenders-0.03%(3.5)1.50%
Axia Home Loans-0.02%(3.5)1.03%
Quicken Loans-0.02%(3.5)2.26%
loanDepot-0.02%(3.5)0.56%
PennyMac Loan Services-0.01%(3.5)0.38%
Caliber Home Loans-0.01%(3.5)10.43%
Freedom Mortgage Corporation-0.01%(3.5)0.94%
Wells Fargo Bank-0.01%(3.5)0.19%
Premier Mortgage Resources-0.00%(3.5)0.75%
NewRez-0.00%(3.5)0.66%
CashCall Mortgage-0.00%(3.5)0.09%
US Bank0.00%(3.5)0.28%
Golden 1 Credit Union0.01%(3.5)0.09%
Fairway Independent Mortgage Corporation0.01%(3.5)1.32%
AmeriFirst Financial0.01%(3.5)0.09%
American Pacific Mortgage0.01%(3.5)10.90%
Stearns Home Loans0.02%(3.5)0.56%
Megastar Financial Corporation0.04%(3.5)1.97%
HomeStreet Bank0.04%(3.5)1.22%
Gold Star Mortgage Financial Group0.04%(3.5)0.47%
New American Funding0.04%(3.5)0.56%
Carrington Mortgage Services0.04%(3.5)0.19%
Finance of America Mortgage0.05%(3.5)0.85%
Flagstar Bank0.06%(3.0)4.70%
Mr. Cooper0.07%(3.0)1.69%
Dignified Home Loans0.07%(3.0)0.75%
Evergreen Moneysource Mortgage Company0.09%(3.0)1.22%
Loan Simple0.10%(3.0)3.01%
Guild Mortgage Company0.12%(3.0)5.55%
PrimeLending0.15%(2.5)6.58%
Summit Funding Inc0.35%(1.5)6.95%
Lender NameRate DifferenceRate RatingMarket Share
NewRez-0.09%(4.0)3.58%
Home Point Financial Corporation-0.07%(4.0)3.58%
Caliber Home Loans-0.06%(4.0)7.71%
Commerce Home Mortgage-0.05%(3.5)5.51%
Guild Mortgage Company-0.04%(3.5)2.75%
Lakeview Loan Servicing-0.03%(3.5)3.86%
Midwest Equity Mortgage-0.02%(3.5)1.65%
CashCall Mortgage-0.02%(3.5)0.55%
Finance of America Mortgage-0.02%(3.5)0.55%
Carrington Mortgage Services-0.02%(3.5)4.68%
Tri Counties Bank-0.02%(3.5)0.83%
PennyMac Loan Services-0.01%(3.5)6.34%
Stearns Home Loans-0.00%(3.5)0.55%
New American Funding-0.00%(3.5)1.10%
Hometown Lenders0.00%(3.5)0.28%
Fairway Independent Mortgage Corporation0.00%(3.5)0.55%
Flagstar Bank0.00%(3.5)4.13%
PRMG Mortgage0.00%(3.5)1.93%
Sierra Pacific Mortgage0.00%(3.5)0.83%
US Bank0.01%(3.5)0.28%
Wells Fargo Bank0.01%(3.5)0.28%
HomeStreet Bank0.01%(3.5)0.28%
Evergreen Moneysource Mortgage Company0.01%(3.5)0.55%
Loan Simple0.01%(3.5)0.83%
PrimeLending0.01%(3.5)1.93%
AmeriFirst Financial0.02%(3.5)0.28%
Umpqua Bank0.02%(3.5)0.28%
Quicken Loans0.02%(3.5)16.80%
Freedom Mortgage Corporation0.02%(3.5)3.86%
Movement Mortgage0.03%(3.5)1.65%
Gold Star Mortgage Financial Group0.04%(3.5)0.28%
Axia Home Loans0.04%(3.5)0.28%
American Pacific Mortgage0.04%(3.5)5.23%
Mr. Cooper0.04%(3.5)4.13%
HomeBridge Financial Services0.04%(3.5)3.31%
loanDepot0.04%(3.5)4.68%
Summit Funding Inc0.13%(3.0)4.13%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.04%(3.5)12.66%
US Bank-0.02%(3.5)20.25%
Summit Funding Inc-0.00%(3.5)6.33%
Bank of America-0.00%(3.5)7.59%
Umpqua Bank0.00%(3.5)1.27%
JPMorgan Chase Bank0.00%(3.5)8.86%
loanDepot0.00%(3.5)1.27%
AmeriFirst Financial0.01%(3.5)1.27%
American Pacific Mortgage0.01%(3.5)2.53%
Midwest Equity Mortgage0.01%(3.5)1.27%
Golden 1 Credit Union0.01%(3.5)1.27%
Flagstar Bank0.01%(3.5)2.53%
Loan Simple0.01%(3.5)1.27%
Sierra Pacific Mortgage0.01%(3.5)1.27%
PRMG Mortgage0.01%(3.5)1.27%
Mechanics Bank CA0.01%(3.5)1.27%
Sierra Central Credit Union0.01%(3.5)1.27%
Tri Counties Bank0.02%(3.5)5.06%
Home Point Financial Corporation0.02%(3.5)1.27%
Commerce Home Mortgage0.03%(3.5)7.59%
Quicken Loans0.03%(3.5)6.33%
Caliber Home Loans0.04%(3.5)6.33%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.04%(3.5)18.92%
US Bank-0.03%(3.5)24.32%
Summit Funding Inc0.00%(3.5)8.11%
Bank of America0.01%(3.5)10.81%
Umpqua Bank0.01%(3.5)2.70%
American Pacific Mortgage0.02%(3.5)2.70%
Midwest Equity Mortgage0.02%(3.5)2.70%
Sierra Pacific Mortgage0.02%(3.5)2.70%
JPMorgan Chase Bank0.02%(3.5)8.11%
Flagstar Bank0.02%(3.5)2.70%
Commerce Home Mortgage0.04%(3.5)8.11%
Caliber Home Loans0.05%(3.0)8.11%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.02%(3.5)7.14%
JPMorgan Chase Bank-0.01%(3.5)9.52%
Bank of America-0.01%(3.5)4.76%
US Bank-0.01%(3.5)16.67%
Summit Funding Inc-0.01%(3.5)4.76%
loanDepot-0.01%(3.5)2.38%
American Pacific Mortgage-0.00%(3.5)2.38%
AmeriFirst Financial-0.00%(3.5)2.38%
Flagstar Bank-0.00%(3.5)2.38%
Golden 1 Credit Union-0.00%(3.5)2.38%
Loan Simple-0.00%(3.5)2.38%
PRMG Mortgage0.00%(3.5)2.38%
Mechanics Bank CA0.00%(3.5)2.38%
Sierra Central Credit Union0.00%(3.5)2.38%
Tri Counties Bank0.01%(3.5)9.52%
Home Point Financial Corporation0.01%(3.5)2.38%
Commerce Home Mortgage0.01%(3.5)7.14%
Caliber Home Loans0.02%(3.5)4.76%
Quicken Loans0.02%(3.5)11.90%
Lender NameRate DifferenceRate RatingMarket Share
Home Point Financial Corporation-0.11%(4.0)3.16%
loanDepot-0.06%(4.0)5.95%
USAA-0.05%(4.0)5.19%
PennyMac Loan Services-0.04%(3.5)5.95%
Wells Fargo Bank-0.04%(3.5)1.27%
PRMG Mortgage-0.04%(3.5)1.65%
Caliber Home Loans-0.04%(3.5)10.63%
Midwest Equity Mortgage-0.03%(3.5)1.65%
Lakeview Loan Servicing-0.03%(3.5)1.14%
Bank of America-0.03%(3.5)0.25%
AmeriFirst Financial-0.02%(3.5)0.76%
Movement Mortgage-0.02%(3.5)3.29%
Hometown Lenders-0.02%(3.5)0.63%
Guild Mortgage Company-0.02%(3.5)2.91%
NewRez-0.02%(3.5)0.76%
Stearns Home Loans-0.01%(3.5)1.01%
Sierra Pacific Mortgage-0.00%(3.5)1.01%
DHI Mortgage Company Limited-0.00%(3.5)0.25%
CashCall Mortgage-0.00%(3.5)0.13%
New American Funding-0.00%(3.5)0.63%
Premier Mortgage Resources0.00%(3.5)0.13%
JPMorgan Chase Bank0.00%(3.5)0.13%
Commerce Home Mortgage0.00%(3.5)7.59%
US Bank0.00%(3.5)0.25%
Umpqua Bank0.00%(3.5)1.01%
Dignified Home Loans0.01%(3.5)0.25%
Evergreen Moneysource Mortgage Company0.01%(3.5)0.25%
Fairway Independent Mortgage Corporation0.01%(3.5)0.76%
Flagstar Bank0.01%(3.5)5.44%
Finance of America Mortgage0.01%(3.5)0.89%
Megastar Financial Corporation0.02%(3.5)0.38%
Gold Star Mortgage Financial Group0.02%(3.5)0.13%
Quicken Loans0.03%(3.5)7.59%
HomeBridge Financial Services0.03%(3.5)1.52%
Axia Home Loans0.04%(3.5)0.51%
American Pacific Mortgage0.04%(3.5)9.24%
HomeStreet Bank0.05%(3.5)0.63%
PrimeLending0.06%(3.0)3.16%
Summit Funding Inc0.07%(3.0)5.70%
Carrington Mortgage Services0.08%(3.0)1.52%
Freedom Mortgage Corporation0.08%(3.0)2.03%
Loan Simple0.09%(3.0)1.01%
Mr. Cooper0.11%(3.0)1.65%
Lender NameRate DifferenceRate RatingMarket Share
USAA-0.08%(4.0)7.71%
Wells Fargo Bank-0.07%(4.0)2.29%
Movement Mortgage-0.06%(4.0)4.57%
PRMG Mortgage-0.06%(4.0)2.00%
Home Point Financial Corporation-0.04%(3.5)1.14%
PennyMac Loan Services-0.04%(3.5)0.57%
Midwest Equity Mortgage-0.04%(3.5)1.71%
NewRez-0.04%(3.5)0.57%
Bank of America-0.04%(3.5)0.57%
Hometown Lenders-0.03%(3.5)1.43%
Quicken Loans-0.03%(3.5)3.43%
Stearns Home Loans-0.03%(3.5)1.71%
Sierra Pacific Mortgage-0.02%(3.5)1.43%
New American Funding-0.02%(3.5)0.29%
Commerce Home Mortgage-0.02%(3.5)10.29%
US Bank-0.02%(3.5)0.29%
Freedom Mortgage Corporation-0.02%(3.5)0.86%
DHI Mortgage Company Limited-0.02%(3.5)0.57%
Guild Mortgage Company-0.02%(3.5)3.43%
CashCall Mortgage-0.02%(3.5)0.29%
JPMorgan Chase Bank-0.01%(3.5)0.29%
Flagstar Bank-0.01%(3.5)5.43%
HomeBridge Financial Services-0.01%(3.5)1.14%
Finance of America Mortgage-0.01%(3.5)0.86%
Fairway Independent Mortgage Corporation-0.01%(3.5)0.86%
AmeriFirst Financial-0.01%(3.5)0.57%
loanDepot-0.00%(3.5)0.86%
Evergreen Moneysource Mortgage Company-0.00%(3.5)0.29%
Gold Star Mortgage Financial Group0.00%(3.5)0.29%
Umpqua Bank0.00%(3.5)0.86%
Megastar Financial Corporation0.00%(3.5)0.57%
Dignified Home Loans0.01%(3.5)0.29%
Mr. Cooper0.01%(3.5)0.57%
Axia Home Loans0.02%(3.5)1.14%
American Pacific Mortgage0.02%(3.5)14.29%
HomeStreet Bank0.03%(3.5)1.43%
Caliber Home Loans0.03%(3.5)10.29%
PrimeLending0.05%(3.0)5.14%
Loan Simple0.07%(3.0)2.29%
Summit Funding Inc0.10%(3.0)7.43%
Lender NameRate DifferenceRate RatingMarket Share
Home Point Financial Corporation-0.11%(4.0)4.77%
Caliber Home Loans-0.09%(4.0)10.91%
loanDepot-0.05%(3.5)10.00%
PennyMac Loan Services-0.03%(3.5)10.23%
AmeriFirst Financial-0.03%(3.5)0.91%
Guild Mortgage Company-0.02%(3.5)2.50%
PRMG Mortgage-0.02%(3.5)1.36%
USAA-0.02%(3.5)3.18%
Midwest Equity Mortgage-0.02%(3.5)1.59%
Lakeview Loan Servicing-0.02%(3.5)2.05%
NewRez-0.00%(3.5)0.91%
Stearns Home Loans-0.00%(3.5)0.45%
Dignified Home Loans0.01%(3.5)0.23%
Umpqua Bank0.01%(3.5)1.14%
New American Funding0.01%(3.5)0.91%
Premier Mortgage Resources0.01%(3.5)0.23%
Sierra Pacific Mortgage0.02%(3.5)0.68%
Evergreen Moneysource Mortgage Company0.02%(3.5)0.23%
Megastar Financial Corporation0.02%(3.5)0.23%
US Bank0.02%(3.5)0.23%
Movement Mortgage0.02%(3.5)2.27%
Summit Funding Inc0.02%(3.5)4.32%
Commerce Home Mortgage0.02%(3.5)5.45%
Fairway Independent Mortgage Corporation0.03%(3.5)0.68%
Finance of America Mortgage0.04%(3.5)0.91%
Flagstar Bank0.04%(3.5)5.45%
Wells Fargo Bank0.04%(3.5)0.45%
Quicken Loans0.05%(3.5)10.91%
American Pacific Mortgage0.05%(3.5)5.23%
HomeBridge Financial Services0.06%(3.0)1.82%
PrimeLending0.07%(3.0)1.59%
Carrington Mortgage Services0.09%(3.0)2.73%
Freedom Mortgage Corporation0.11%(3.0)2.95%
Mr. Cooper0.14%(3.0)2.50%

* Data is compiled for the Redding, CA commuting zone area, which comprises of counties of Butte County, CA, Colusa County, CA, Glenn County, CA, Shasta County, CA, and Tehama County, CA. This includes cities/towns/communities of Redding, CA as well as Chico, CA, Red Bluff, CA, Shasta Lake, CA, Oroville, CA, Oroville East, CA, Anderson, CA, Lake California, CA, Orland, CA, Cottonwood, CA, Gridley, CA, Magalia, CA, Cohasset, CA, Millville, CA, Nord, CA, Durham, CA, Colusa, CA, Willows, CA, Shingletown, CA, South Oroville, CA, Richfield, CA, Bella Vista, CA, Corning, CA, Paradise, CA, Grimes, CA, Williams, CA, Butte Creek Canyon, CA, Bangor, CA, Robinson Mill, CA, Paynes Creek, CA, Rancho Tehama Reserve, CA, Stirling City, CA, Hat Creek, CA, Richvale, CA, French Gulch, CA, Cherokee, CA, Tehama, CA, Mountain Gate, CA, Fall River Mills, CA, Proberta, CA, Butte Valley, CA, Lakehead, CA, Hamilton City, CA, Princeton, CA, Shasta, CA, and Artois, CA. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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