Tri Counties Bank Mortgage Rates, Fees & Info
Chico, CALEI: 549300W0YBCUV18HSR42
Tax ID: 94-2261923
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Mortgage Data
Review & Overview
Tri Counties Bank is a smaller bank specializing in Home Purchase loans. Tri Counties Bank has a high proportion of conventional loans. Their top markets by origination volume include: Sacramento, San Francisco, Chico, Redding, and Reno among others. We have data for 42 markets. (Some data included below & more in-depth data is available with an active subscription.)Tri Counties Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Tri Counties Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 10/29/24 |
| 30 Year Conventional Purchase | 6.20% | 10/29/24 |
| 30 Year Conventional Refi | 6.36% | 10/29/24 |
| 30 Year Cash-out Refi | 6.76% | 10/29/24 |
| 30 Year FHA Purchase | 6.27% | 10/29/24 |
| 30 Year USDA Purchase | 6.27% | 10/29/24 |
| 15 Year Conventional Purchase | 5.52% | 10/29/24 |
| 15 Year Conventional Refi | 5.41% | 10/29/24 |
| 15 Year Cash-out Refi | 5.41% | 10/29/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Tri Counties Bank Mortgage Calculator
Your Estimates
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,954Origination Dollar Volume (All Markets)
$728,800,000Awards
Tri Counties Bank - 2022
Tri Counties Bank is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 292 | $142,030,000 | $486,404 | $4,811 | 5.14% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 128 | $130,910,000 | $1,022,734 | $5,792 | 5.11% |
| CHICO, CA (FHA|USDA|VA) | 298 | $80,540,000 | $270,268 | $4,623 | 5.32% |
| REDDING, CA (FHA|USDA|VA) | 294 | $40,100,000 | $136,395 | $3,925 | 5.40% |
| RENO, NV (FHA|USDA|VA) | 4 | $37,330,000 | $9,332,500 | $4,104 | 4.84% |
| Outside of Metro Areas | 195 | $31,015,000 | $159,051 | $4,487 | 5.35% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 53 | $27,515,000 | $519,151 | $7,116 | 5.71% |
| FRESNO, CA (FHA|USDA|VA) | 42 | $25,430,000 | $605,476 | $4,570 | 5.59% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 29 | $23,955,000 | $826,034 | $4,082 | 5.16% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 128 | $23,860,000 | $186,406 | $4,021 | 5.34% |
| MODESTO, CA (FHA|USDA|VA) | 50 | $20,930,000 | $418,600 | $3,661 | 5.16% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 13 | $20,455,000 | $1,573,462 | $17,644 | 4.86% |
| YUBA CITY, CA (FHA|USDA|VA) | 94 | $19,930,000 | $212,021 | $3,803 | 5.32% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 79 | $15,925,000 | $201,582 | $4,491 | 5.02% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 4 | $15,720,000 | $3,930,000 | $0 | 4.14% |
| VISALIA, CA (FHA|USDA|VA) | 35 | $7,805,000 | $223,000 | $4,807 | 5.65% |
| STOCKTON, CA (FHA|USDA|VA) | 16 | $7,030,000 | $439,375 | $8,163 | 5.00% |
| Red Bluff, CA (FHA|USDA|VA) | 42 | $5,890,000 | $140,238 | $3,170 | 5.38% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 14 | $5,840,000 | $417,143 | $7,340 | 5.10% |
| MERCED, CA (FHA|USDA|VA) | 22 | $5,510,000 | $250,455 | $5,129 | 5.31% |
| Crescent City, CA (FHA|USDA|VA) | 26 | $4,260,000 | $163,846 | $4,731 | 5.33% |
| VALLEJO, CA (FHA|USDA|VA) | 7 | $3,945,000 | $563,571 | $8,855 | 5.88% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 10 | $3,680,000 | $368,000 | $5,017 | 5.28% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 7 | $3,525,000 | $503,571 | $14,711 | 6.46% |
| MADERA, CA (FHA|USDA|VA) | 21 | $3,415,000 | $162,619 | $3,582 | 5.30% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 5 | $3,205,000 | $641,000 | $3,660 | 4.23% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $3,205,000 | $3,205,000 | $12,039 | 3.13% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $3,015,000 | $3,015,000 | $0 | 4.25% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $1,530,000 | $765,000 | $0 | 6.50% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $1,420,000 | $710,000 | $3,926 | 5.38% |
| Ukiah, CA (FHA|USDA|VA) | 9 | $1,415,000 | $157,222 | $6,340 | 5.74% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $1,375,000 | $458,333 | $0 | 5.08% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 5 | $1,305,000 | $261,000 | $0 | 5.68% |
| Clearlake, CA (FHA|USDA|VA) | 9 | $1,025,000 | $113,889 | $2,601 | 5.42% |
| NAPA, CA (FHA|USDA|VA) | 1 | $975,000 | $975,000 | $3,764 | 4.75% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $4,822 | 6.19% |
| Susanville, CA (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $0 | 6.45% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $6,627 | 3.00% |
| GRANTS PASS, OR (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $3,828 | 4.19% |
| Sonora, CA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $2,998 | 5.56% |
| Brookings, OR (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,083 | 4.00% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.50% |
Similar Lenders
We use machine learning to identify the top lenders compared against Tri Counties Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| HELOC | 1,381 | $231,035,000 | $167,295 | n/a | 5.57% |
| Conventional | 573 | $497,765,000 | $868,700 | $4,735 | 4.62% |
For 2022, Tri Counties Bank's most frequently originated type of loan was HELOC, with 1,381 originations. Their 2nd most popular type was Conventional, with 573 originations.
Loan Reason
For 2022, Tri Counties Bank's most frequently cited loan purpose was Other, with 689 originations. The 2nd most popular reason was Home Improvement, with 496 originations.
Loan Duration/Length
For 2022, Tri Counties Bank's most frequently cited loan duration was 30+ year, with 1,366 originations. The 2nd most popular length was 30 Year, with 410 originations.
Origination Fees/Closing Costs
Tri Counties Bank's average total fees were $4,872, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 290 originations.
Interest Rates
During 2022, Tri Counties Bank's average interest rate for loans was 4.76%, while their most frequently originated rate bucket for loans was 4-5%, with 917 originations.
Loan Sizing
2022 saw Tri Counties Bank place emphasis on $100k-200k loans with 627 originations, totaling $81,895,000 in origination value.
Applicant Income
Tri Counties Bank lent most frequently to those with incomes in the $100k-150k range, with 363 originations. The second most popular income band? $50k-75k, with 286 originations.
Applicant Debt to Income Ratio
Tri Counties Bank lent most frequently to those with DTI ratios of 20-30%, with 448 originations. The next most common DTI ratio? 30-36%, with 335 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications71.61%
Tri Counties Bank has a below average approval rate.
Pick Rate
Approvals leading to origination80.50%
Tri Counties Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,954 | $728,800,000 | $372,979 |