What loan types does Redwood offer?

Redwood offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Redwood offer mortgages?

Redwood offers mortgages in 1 states: CA.

How competitive are Redwood's mortgage rates?

Redwood has an overall pricing score of 41.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Redwood?

Redwood is a Credit Union headquartered in Santa Rosa, CA.

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Redwood

Credit Union•Santa Rosa, CAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Redwood — 478 loans across 701 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Strong

4/5

Single State · 5 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Jumbo

Superstar

Purchase

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and Jumbo loans

Explore another lender or local market

Report Card

Redwood performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+18.2 bps above market avg

3/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

390 loans · 0.22% above market

Strong

Top 40% of lenders

4/5

Jumbo

88 loans · 0.01% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

414 loans · 0.18% above market

Strong

Top 40% of lenders

4/5

Refinance

64 loans · 0.18% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Single State · 6 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Sound	Strong	390	81.6%	+0.219%Above	$941Fees
Jumbo Loans	Strong	Strong	Strong	Strong	88	18.4%	+0.012%Above	$150Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume390

Mix81.6%

Spread

+0.219%Above

Fees

$941Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume88

Mix18.4%

Spread

+0.012%Above

Fees

$150Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Sound	Strong	414	86.6%	+0.182%Above	$799Fees
Refinance	Sound	Strong	Sound	Sound	64	13.4%	+0.182%Above	$806Fees

Purchase

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume414

Mix86.6%

Spread

+0.182%Above

Fees

$799Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Sound

Volume64

Mix13.4%

Spread

+0.182%Above

Fees

$806Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

478

Applications

701

Volume

$362 million

Pricing & Closing

Avg Rate Spread

+0.182%

vs. market APOR

Avg Net Fees

$800

Origination − Credits

Pullthrough Rate

68.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$757,322

Avg Borrower Income

$261,215

Avg Property Value

$1,214,749

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

West1

Top Metro Areas by Place Specialization Score

Santa Rosa, CAMetro

Volume 166Mix 34.73% of portfolio

98/100

Exceptional

San Francisco, CAMetro

Volume 186Mix 38.91% of portfolio

91/100

Exceptional

San Rafael, CAMetro

Volume 38Mix 7.95% of portfolio

79/100

Strong

Napa, CAMetro

Volume 12Mix 2.51% of portfolio

59/100

Sound

Oakland, CAMetro

Volume 15Mix 3.14% of portfolio

47/100

Sound

Top States by Place Specialization Score

CaliforniaState

Volume 478Mix 100.00% of portfolio

76/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.