# MORTGAGEONE, INC.

> **Canonical URL:** https://saferate.com/lenders/mortgageone


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


MORTGAGEONE, INC. is a independent mortgage company, headquartered in SACRAMENTO, CA, serving borrowers across 34 states, with 734 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 84% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 29% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493002TJKC8NLH1ZP82
- **Headquarters:** SACRAMENTO, CA
- **Geographic Reach:** Near-National
- **States Served:** 34
- **State List:** AL, AR, AZ, CA, CO, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, MI, MN, MO, MT, NC, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WY
- **Markets (MSAs):** 14
- **Primary Channel:** mix
- **Direct Origination:** 21.9%
- **Brokered/Wholesale:** 78.1%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 16/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 71/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.456%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,026
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 734
- **Dollar Volume:** $314 million
- **Applications Received:** 1,140
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $428,365
- **Average Borrower Income:** $139,099
- **Average Property Value:** $508,610

## Safe Rate Awards 🏆

- ⭐ **VA Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 65/100 | 287 | +0.570% | $4,510 | Strong 😀 |
| FHA | 72/100 | 130 | +0.587% | $4,019 | Strong 😀 |
| VA | 80/100 | 314 | +0.026% | $2,870 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 256 loans, Score: 66/100 (Strong)
- Refinance: 31 loans, Score: 36/100 (Acceptable)

**FHA:**
- Purchase: 120 loans, Score: 72/100 (Strong)

**VA:**
- Purchase: 295 loans, Score: 80/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 73/100 | 673 | $288M | +0.522% | Strong 😀 |
| Refinance | 45/100 | 61 | $26M | +0.159% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 373 | 0.13% | 72/100 |
| TX | 47 | 0.01% | 49/100 |
| FL | 44 | 0.01% | 48/100 |
| GA | 39 | 0.03% | 52/100 |
| WA | 23 | 0.03% | 48/100 |
| NC | 19 | 0.01% | 43/100 |
| AZ | 18 | 0.02% | 44/100 |
| UT | 17 | 0.04% | 45/100 |
| SC | 15 | 0.02% | 42/100 |
| TN | 15 | 0.02% | 42/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Redding, CA | CA | 107 | 96/100 |
| Non |  | 94 | 51/100 |
| San Diego | CA | 58 | 62/100 |
| Santa Rosa | CA | 42 | 69/100 |
| Stockton | CA | 30 | 59/100 |
| Riverside | CA | 24 | 49/100 |
| Atlanta | GA | 18 | 45/100 |
| Houston | TX | 15 | 42/100 |
| Kennewick | WA | 14 | 48/100 |
| Jacksonville, FL | FL | 12 | 42/100 |
| Anaheim | CA | 11 | 42/100 |
| Merced, CA | CA | 11 | 51/100 |
| Provo | UT | 11 | 43/100 |
| Yuma, AZ | AZ | 10 | 43/100 |

## Where This Lender Ranks

MORTGAGEONE, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#8** in Redding, CA for FHA Loans
  - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders/fha-loans)
- 🏆 **#8** in Redding, CA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#8** in Redding, CA for VA Loans
  - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders/va-loans)
- 🏆 **#8** in Redding, CA for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#13** in Santa Rosa for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/santa-rosa/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#14** in Santa Rosa for FHA Loans
  - [View Full Rankings](https://saferate.com/santa-rosa/best-mortgage-lenders/fha-loans)
- 🏆 **#16** in Kennewick for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kennewick/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#17** in Redding, CA Mortgage Companies
  - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders/mortgage-companies)
- 🏆 **#17** in Yuma, AZ for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/yuma-az/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#18** in Redding, CA
  - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders)
- 🏆 **#18** in Redding, CA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does MORTGAGEONE, INC. offer?

MORTGAGEONE, INC. offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does MORTGAGEONE, INC. offer mortgages?

MORTGAGEONE, INC. offers mortgages in 34 states: AL, AR, AZ, CA, CO, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, MI, MN, MO, MT, NC, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WY.

### How competitive are MORTGAGEONE, INC.'s mortgage rates?

MORTGAGEONE, INC. has a pricing score of 16/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.456% above market average.

### What type of lender is MORTGAGEONE, INC.?

MORTGAGEONE, INC. is a non-depository lender that specializes in mortgage origination, headquartered in SACRAMENTO, CA.

### What is MORTGAGEONE, INC.'s loan approval success rate?

MORTGAGEONE, INC. has a pull-through score of 71/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/mortgageone

### How to Cite

> "MORTGAGEONE, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/mortgageone

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