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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 Conventional Mortgage Company Lenders in Redding
Updated February 5, 2026
Market Overview
22
Total Lenders
1,499
Total Loans
0.37%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Sound | Strong | -$6,976 | +0.764% | 31 | |
2 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,866 | +0.177% | 133 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,889 | +0.110% | 122 | |
4 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,609 | +0.526% | 99 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $5,532 | -0.034% | 12 | |
6 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,007 | +0.617% | 73 | |
7 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,700 | +0.637% | 63 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,761 | +0.563% | 35 | |
9 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,966 | +0.371% | 33 | |
10 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $5,907 | +0.375% | 32 | |
11 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,312 | +0.640% | 167 | |
12 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,521 | +0.229% | 29 | |
13 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $7,989 | +0.565% | 27 | |
14 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,315 | +0.446% | 12 | |
15 | INFINITY EQUITY GROUP, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $3,462 | +0.651% | 112 | |
16 | MORTGAGEONE, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $5,590 | +0.647% | 107 | |
17 | ON Q FINANCIAL, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,511 | +0.395% | 55 | |
18 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $6,184 | +0.578% | 50 | |
19 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,327 | +0.780% | 11 | |
20 | HOME MORTGAGE ALLIANCE CORPORATION | Sound | Mediocre | Strong | Sound | Strong | $6,668 | +0.663% | 46 | |
21 | AXIA FINANCIAL, LLC | Sound | Mediocre | Strong | Strong | Sound | $3,344 | +0.438% | 12 | |
22 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Strong | Sound | Sound | $5,956 | +0.497% | 17 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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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Redding, CAConventional
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