REDWOOD
REDWOOD received 4,625 applications in 2025 and made 2,928 mortgages, in 49 counties across 2 states. The median rate its borrowers got was 8.000% on a median loan of $205,000. Of 3,839 decisions, 813 were denials — 21.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493001WRXQTCKCA6205 |
|---|---|
| Applications received | 4,625 |
| Mortgages made | 2,928 |
| Denied | 813 |
| Approved, not taken up | 98 |
| Withdrawn or incomplete | 786 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.84 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 917 | 6.250% | $645,000 | 6.7% |
| Refinancing | 61 | 6.250% | $555,000 | 42.2% |
| Cash-out refinancing | 523 | 8.250% | $155,000 | 22.8% |
| Other purposes | 1,427 | 8.250% | $105,000 | 26.5% |
Where REDWOOD lends most
The 49 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Sonoma County, CA | 1,419 | 8.000% | 19.9% |
| Marin County, CA | 433 | 8.000% | 19.5% |
| San Francisco County, CA | 399 | 6.250% | 5.6% |
| Napa County, CA | 172 | 8.000% | 18.8% |
| Mendocino County, CA | 134 | 7.990% | 32.7% |
| Lake County, CA | 77 | 7.990% | 39.9% |
| Solano County, CA | 60 | 8.000% | 36.5% |
| Contra Costa County, CA | 58 | 8.000% | 25.0% |
| Alameda County, CA | 33 | 7.740% | 37.5% |
| San Mateo County, CA | 26 | 8.120% | 36.6% |
| Sacramento County, CA | 21 | 8.500% | 25.0% |
| Placer County, CA | 19 | 8.000% | 17.4% |
| Nevada County, CA | 11 | 8.250% | 25.0% |
| Los Angeles County, CA | 8 | Under 10 loans | 30.8% |
| Riverside County, CA | 6 | Under 10 loans | 33.3% |
| Humboldt County, CA | 5 | Under 10 loans | 0.0% |
| Santa Clara County, CA | 5 | Under 10 loans | 58.3% |
| Santa Cruz County, CA | 5 | Under 10 loans | 0.0% |
| Butte County, CA | 4 | Under 10 loans | 28.6% |
| San Bernardino County, CA | 3 | Under 10 loans | 0.0% |
| San Joaquin County, CA | 3 | Under 10 loans | 25.0% |
| Mariposa County, CA | 2 | Under 10 loans | 0.0% |
| Merced County, CA | 2 | Under 10 loans | 33.3% |
| Plumas County, CA | 2 | Under 10 loans | 33.3% |
| San Luis Obispo County, CA | 2 | Under 10 loans | 50.0% |
| Siskiyou County, CA | 2 | Under 10 loans | 0.0% |
| Tehama County, CA | 2 | Under 10 loans | 50.0% |
| Yolo County, CA | 2 | Under 10 loans | 0.0% |
| Yuba County, CA | 2 | Under 10 loans | 33.3% |
| Del Norte County, CA | 1 | Under 10 loans | 0.0% |
| El Dorado County, CA | 1 | Under 10 loans | 66.7% |
| Glenn County, CA | 1 | Under 10 loans | 0.0% |
| Kern County, CA | 1 | Under 10 loans | 0.0% |
| Kings County, CA | 1 | Under 10 loans | 0.0% |
| Monterey County, CA | 1 | Under 10 loans | 0.0% |
| San Diego County, CA | 1 | Under 10 loans | 80.0% |
| Santa Barbara County, CA | 1 | Under 10 loans | 0.0% |
| Shasta County, CA | 1 | Under 10 loans | 66.7% |
| Tuolumne County, CA | 1 | Under 10 loans | 0.0% |
| Ventura County, CA | 1 | Under 10 loans | 0.0% |
| Amador County, CA | 0 | Under 10 loans | 100.0% |
| Calaveras County, CA | 0 | Under 10 loans | 100.0% |
| Fresno County, CA | 0 | Under 10 loans | 100.0% |
| Lassen County, CA | 0 | Under 10 loans | 100.0% |
| Madera County, CA | 0 | Under 10 loans | 100.0% |
| San Benito County, CA | 0 | Under 10 loans | 100.0% |
| Stanislaus County, CA | 0 | Under 10 loans | 100.0% |
| Trinity County, CA | 0 | Under 10 loans | 100.0% |
| Palm Beach County, FL | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.