Lender in California · HMDA 2025
Redwood mortgages in California
Redwood's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Redwood originated 865 owner-occupied single-family loans in California from 980 completed applications.
Its median conventional purchase loan costs were $8,570 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.625% (California: 6.625%).
Loans in CA
865
of 980 applications
Denial rate
3.4%
Purchase · CA 8.9%
Rate spread
+0.10 pts
Conv. · CA +0.09 pts
Loan amount
$715,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 803 | 769 | 3.4% | 6.625% | +0.10 pts | $8,570 | $715,000 |
| Refinance | 85 | 46 | 42.4% | — | +0.10 pts | $3,480 | $565,000 |
| Cash-out refinance | 92 | 50 | 42.4% | — | +0.14 pts | $3,390 | $425,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where Redwood ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| San Francisco County | 3 | 334 | 6.6% |
| Sonoma County | 3 | 295 | 7.2% |
| Mendocino County | 5 | 26 | 5.2% |
| Lake County | 6 | 17 | 3.0% |
| Marin County | 7 | 97 | 4.3% |
| Napa County | 8 | 29 | 3.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology