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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Company Lenders in Redding
Updated February 5, 2026
Market Overview
19
Total Lenders
1,445
Total Loans
0.37%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Strong | -$6,976 | +0.764% | 31 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,889 | +0.110% | 122 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,866 | +0.177% | 133 | |
4 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | $5,609 | +0.526% | 99 | |
5 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,761 | +0.563% | 35 | |
6 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $5,907 | +0.375% | 32 | |
7 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | $5,312 | +0.640% | 167 | |
8 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,007 | +0.617% | 73 | |
9 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Strong | Strong | $3,700 | +0.637% | 63 | |
10 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,966 | +0.371% | 33 | |
11 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | $3,521 | +0.229% | 29 | |
12 | INFINITY EQUITY GROUP, INC. | Sound | Mediocre | Strong | Exceptional | $3,462 | +0.651% | 112 | |
13 | MORTGAGEONE, INC. | Sound | Mediocre | Strong | Exceptional | $5,590 | +0.647% | 107 | |
14 | ON Q FINANCIAL, LLC | Sound | Acceptable | Sound | Strong | $3,511 | +0.395% | 55 | |
15 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Strong | $6,184 | +0.578% | 50 | |
16 | Sierra Pacific Mortgage Company, Inc. | Sound | Acceptable | Strong | Sound | $7,989 | +0.565% | 27 | |
17 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $6,591 | +0.531% | 22 | |
18 | HOME MORTGAGE ALLIANCE CORPORATION | Sound | Mediocre | Acceptable | Strong | $6,668 | +0.663% | 46 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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