CHICO Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Chico averaged
6.62%
for the week of 2024-11-07, compared to the national average of
6.79% for the same period.
The average rate for the prior week (2024-10-31) was
6.75% and
one month ago for the week of 2024-10-03, the
average rate was 5.95%.
Chico's average rate one year ago was 7.69%.
For refis of the same type during the week of 2024-11-07, the average rate
was 6.71%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-11-07 | 6.79% |
| Chico 30 Year Fixed Rate | 2024-11-07 | 6.62% |
| Chico 30 Year Fixed Rate Refi | 2024-11-07 | 6.71% |
| Chico 15 Year Fixed Rate | 2024-11-07 | 6.2% |
| Chico 15 Year Fixed Rate Refi | 2024-11-07 | 6.4% |
| Chico 30 Year FHA | 2024-11-07 | 6.03% |
| Chico 30 Year FHA Refi | 2024-11-07 | 6.63% |
| Chico 30 Year USDA | 2024-11-07 | 6.58% |
| Chico 30 Year USDA Refi | 2024-11-07 | 6.58% |
| Chico 30 Year VA | 2024-11-07 | 6.26% |
| Chico 30 Year VA Refi | 2024-11-07 | 6.14% |
CHICO Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the CHICO, CA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
CHICO Average Closing Costs & Other Stats
CHICO, CA's 140 lenders originated 2,548
loans during 2023. The total origination value was $725,090,000, with an average loan value of
$284,572.
CHICO's average closing costs are $5,546.
The top CHICO lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with
180 loans originated. Their average total fees are
$9,895, which is $2,556
higher than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee CHICO lenders (with over 10 loans originated) are
Sierra Central Credit Union ($3,667), DHI MORTGAGE COMPANY, LTD. ($3,845), Tri Counties Bank ($4,551), U.S. Bank ($5,765) and Paramount Residential Mortgage Group, Inc. ($6,264).
The lowest rate CHICO lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.99%), Sierra Central Credit Union (6.12%), LOANDEPOT.COM, LLC (6.25%), Wells Fargo Bank (6.30%) and HOMEBRIDGE FINANCIAL SERVICES, INC. (6.32%).
CHICO, CA Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
|---|---|---|---|---|
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $108,210,000 | $83,385,000 | -22.9% | 11.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $93,570,000 | $74,075,000 | -20.8% | 10.2% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $12,620,000 | $41,490,000 | 228.8% | 5.7% |
| QUICKEN LOANS, LLC | $79,440,000 | $36,000,000 | -54.7% | 5.0% |
| Commerce Home Mortgage, Inc. | $112,260,000 | $30,275,000 | -73.0% | 4.2% |
| Tri Counties Bank | $80,540,000 | $28,420,000 | -64.7% | 3.9% |
| CALIBER HOME LOANS, INC. | $80,565,000 | $24,150,000 | -70.0% | 3.3% |
| Citibank | $23,105,000 | $21,295,000 | -7.8% | 2.9% |
| Merchants Bank of Indiana | $21,255,000 | n/a | 2.9% | |
| NEWREZ LLC | $4,735,000 | $19,265,000 | 306.9% | 2.7% |
| GUILD MORTGAGE COMPANY | $17,040,000 | $16,645,000 | -2.3% | 2.3% |
| DHI MORTGAGE COMPANY, LTD. | $890,000 | $13,495,000 | 1,416.3% | 1.9% |
| Barings Multifamily Capital | $11,775,000 | n/a | 1.6% | |
| CMG MORTGAGE, INC. | $1,440,000 | $10,525,000 | 630.9% | 1.5% |
| Sierra Central Credit Union | $9,660,000 | $9,890,000 | 2.4% | 1.4% |
| U.S. Bank | $21,160,000 | $9,840,000 | -53.5% | 1.4% |
| MOVEMENT MORTGAGE, LLC | $20,890,000 | $9,630,000 | -53.9% | 1.3% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $16,405,000 | $9,485,000 | -42.2% | 1.3% |
| Paramount Residential Mortgage Group, Inc. | $26,210,000 | $9,405,000 | -64.1% | 1.3% |
| KeyBank | $8,270,000 | n/a | 1.1% | |
| Bank of America | $28,775,000 | $8,190,000 | -71.5% | 1.1% |
| Century Mortgage Company DBA Century Lending Company | $1,770,000 | $6,980,000 | 294.4% | 1.0% |
| Sierra Pacific Mortgage Company, Inc. | $4,045,000 | $6,885,000 | 70.2% | 0.9% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $22,885,000 | $6,455,000 | -71.8% | 0.9% |
| Wells Fargo Bank | $14,075,000 | $6,010,000 | -57.3% | 0.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $14,605,000 | $5,875,000 | -59.8% | 0.8% |
| LOANDEPOT.COM, LLC | $22,465,000 | $5,860,000 | -73.9% | 0.8% |
| PENNYMAC LOAN SERVICES, LLC | $10,665,000 | $5,530,000 | -48.1% | 0.8% |
| Mortgage Research Center, LLC | $11,615,000 | $5,340,000 | -54.0% | 0.7% |
| Flagstar Bank, FSB | $7,185,000 | $4,915,000 | -31.6% | 0.7% |
| JPMorgan Chase Bank | $12,320,000 | $4,740,000 | -61.5% | 0.7% |
| 21ST MORTGAGE CORPORATION | $3,240,000 | $4,435,000 | 36.9% | 0.6% |
| BROKER SOLUTIONS, INC. | $6,535,000 | $4,240,000 | -35.1% | 0.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $5,155,000 | $4,230,000 | -17.9% | 0.6% |
| THE GOLDEN 1 | $6,360,000 | $3,770,000 | -40.7% | 0.5% |
| Plains Commerce Bank | $3,510,000 | n/a | 0.5% | |
| AMERISAVE MORTGAGE CORPORATION | $7,515,000 | $3,395,000 | -54.8% | 0.5% |
| Umpqua Bank | $23,375,000 | $3,215,000 | -86.2% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $12,225,000 | $2,670,000 | -78.2% | 0.4% |
| FREEDOM MORTGAGE CORPORATION | $9,485,000 | $2,650,000 | -72.1% | 0.4% |
| Arbor Realty Trust, Inc. | $2,550,000 | n/a | 0.4% | |
| SCHOOLSFIRST | $3,925,000 | $2,550,000 | -35.0% | 0.4% |
| USAA Federal Savings Bank | $3,220,000 | $2,495,000 | -22.5% | 0.3% |
| ACADEMY MORTGAGE CORPORATION | $12,130,000 | $2,390,000 | -80.3% | 0.3% |
| Banner Bank | $32,450,000 | $2,235,000 | -93.1% | 0.3% |
| CARDINAL FINANCIAL | $3,175,000 | $2,180,000 | -31.3% | 0.3% |
| CORNERSTONE HOME LENDING, INC. | $7,615,000 | $2,160,000 | -71.6% | 0.3% |
| Morgan Stanley Private Bank | $1,475,000 | $2,115,000 | 43.4% | 0.3% |
| CALCON MUTUAL MORTGAGE LLC | $1,680,000 | $2,055,000 | 22.3% | 0.3% |
| PLAZA HOME MORTGAGE, INC. | $1,580,000 | $2,040,000 | 29.1% | 0.3% |
| BMO Harris Bank | $585,000 | $1,990,000 | 240.2% | 0.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,330,000 | $1,945,000 | 46.2% | 0.3% |
| PATELCO | $730,000 | $1,915,000 | 162.3% | 0.3% |
| The Loan Store, Inc. | $1,890,000 | n/a | 0.3% | |
| NAVY FEDERAL CREDIT UNION | $8,410,000 | $1,750,000 | -79.2% | 0.2% |
| HOMEXPRESS MORTGAGE CORP. | $1,800,000 | $1,645,000 | -8.6% | 0.2% |
| S1L, Inc. | $1,770,000 | $1,635,000 | -7.6% | 0.2% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,550,000 | n/a | 0.2% | |
| TRIAD FINANCIAL SERVICES, INC. | $1,140,000 | $1,545,000 | 35.5% | 0.2% |
| Citizens Bank | $540,000 | $1,430,000 | 164.8% | 0.2% |
| GUARANTEED RATE, INC. | $5,935,000 | $1,400,000 | -76.4% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $145,000 | $1,390,000 | 858.6% | 0.2% |
| Equity Prime Mortgage LLC | $900,000 | $1,375,000 | 52.8% | 0.2% |
| NFM, INC. | $365,000 | $1,310,000 | 258.9% | 0.2% |
| AMERICAN FINANCIAL NETWORK, INC. | $1,265,000 | n/a | 0.2% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $2,820,000 | $1,245,000 | -55.9% | 0.2% |
| SAFE CREDIT UNION | $635,000 | $1,245,000 | 96.1% | 0.2% |
| SUMMIT FUNDING, INC. | $42,010,000 | $1,245,000 | -97.0% | 0.2% |
| MID AMERICA MORTGAGE, INC. | $2,665,000 | $1,210,000 | -54.6% | 0.2% |
| Ally Bank | $295,000 | $1,190,000 | 303.4% | 0.2% |
| ZILLOW HOME LOANS, LLC | $1,255,000 | $1,125,000 | -10.4% | 0.2% |
| BETTER MORTGAGE CORPORATION | $3,765,000 | $1,115,000 | -70.4% | 0.2% |
| American Mortgage & Equity Consultants, Inc. | $1,105,000 | n/a | 0.2% | |
| INFINITY EQUITY GROUP, INC. | $1,855,000 | $1,105,000 | -40.4% | 0.2% |
| Truist | $800,000 | $1,100,000 | 37.5% | 0.2% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $7,200,000 | $1,095,000 | -84.8% | 0.2% |
| PLANET HOME LENDING, LLC | $280,000 | $1,060,000 | 278.6% | 0.1% |
| BECKAM FUNDING CORP. | $205,000 | $1,045,000 | 409.8% | 0.1% |
| NBKC BANK | $1,865,000 | $1,045,000 | -44.0% | 0.1% |
| The Federal Savings Bank | $1,855,000 | $1,025,000 | -44.7% | 0.1% |
| University Bank | $1,015,000 | n/a | 0.1% | |
| Citadel Servicing Corporation | $1,460,000 | $1,010,000 | -30.8% | 0.1% |
| Self-Help Federal Credit Union | $365,000 | $960,000 | 163.0% | 0.1% |
| TEACHERS | $910,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $545,000 | $905,000 | 66.1% | 0.1% |
| First-Citizens Bank & Trust Company | $1,280,000 | $885,000 | -30.9% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $3,200,000 | $880,000 | -72.5% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $415,000 | $870,000 | 109.6% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $855,000 | n/a | 0.1% | |
| NEW DAY FINANCIAL, LLC | $1,080,000 | $855,000 | -20.8% | 0.1% |
| LOANPAL, LLC | $2,855,000 | $845,000 | -70.4% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $530,000 | $845,000 | 59.4% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $3,790,000 | $790,000 | -79.2% | 0.1% |
| Franklin Loan Corporation | $780,000 | n/a | 0.1% | |
| MEMBERS 1ST CREDIT UNION | $1,700,000 | $765,000 | -55.0% | 0.1% |
| Mid-Continent Funding, Inc. | $760,000 | n/a | 0.1% | |
| Figure Lending LLC | $820,000 | $745,000 | -9.1% | 0.1% |
| AmeriHome Mortgage Company, LLC | $2,275,000 | $735,000 | -67.7% | 0.1% |
| LADERA LENDING, INC. | $1,485,000 | $715,000 | -51.9% | 0.1% |
| PHH Mortgage Corporation | $2,020,000 | $715,000 | -64.6% | 0.1% |
| TRAVIS CREDIT UNION | $730,000 | $710,000 | -2.7% | 0.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $300,000 | $710,000 | 136.7% | 0.1% |
| PNC Bank | $2,420,000 | $695,000 | -71.3% | 0.1% |
| CANOPY MORTGAGE, LLC | $1,085,000 | $690,000 | -36.4% | 0.1% |
| STANFORD Federal Credit Union | $1,145,000 | $690,000 | -39.7% | 0.1% |
| ALLIANT CREDIT UNION | $2,445,000 | $685,000 | -72.0% | 0.1% |
| KEYPOINT | $685,000 | n/a | 0.1% | |
| SOUTHWEST STAGE FUNDING, LLC | $355,000 | $685,000 | 93.0% | 0.1% |
| FIRST TECHNOLOGY | $455,000 | $675,000 | 48.4% | 0.1% |
| ONY GLO, INC. | $335,000 | $670,000 | 100.0% | 0.1% |
| Bethpage Federal Credit Union | $85,000 | $665,000 | 682.4% | 0.1% |
| EQUITY WAVE LENDING, INC. | $665,000 | n/a | 0.1% | |
| Princeton Mortgage Corporation | $1,470,000 | $660,000 | -55.1% | 0.1% |
| DIRECTIONS EQUITY, LLC | $635,000 | n/a | 0.1% | |
| Discover Bank | $950,000 | $630,000 | -33.7% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $2,340,000 | $630,000 | -73.1% | 0.1% |
| REDWOOD | $2,305,000 | $615,000 | -73.3% | 0.1% |
| AMERICAN HERITAGE LENDING, INC. | $610,000 | n/a | 0.1% | |
| Northpointe Bank | $1,000,000 | $595,000 | -40.5% | 0.1% |
| Platinum Home Mortgage Corporation | $595,000 | n/a | 0.1% | |
| Willamette Valley Bank | $595,000 | n/a | 0.1% | |
| ENVOY MORTGAGE, LTD | $890,000 | $590,000 | -33.7% | 0.1% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $475,000 | $580,000 | 22.1% | 0.1% |
| LAND HOME FINANCIAL SERVICES, INC. | $3,255,000 | $575,000 | -82.3% | 0.1% |
| Northwest Farm Credit Services, FLCA | $995,000 | $575,000 | -42.2% | 0.1% |
| A&D Mortgage LLC | $570,000 | n/a | 0.1% | |
| BAY EQUITY LLC | $370,000 | $570,000 | 54.1% | 0.1% |
| EVERETT FINANCIAL, INC. | $2,230,000 | $570,000 | -74.4% | 0.1% |
| Stifel Bank and Trust | $5,655,000 | $560,000 | -90.1% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $340,000 | $555,000 | 63.2% | 0.1% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $135,000 | $545,000 | 303.7% | 0.1% |
| Educational Employees Credit Union | $530,000 | n/a | 0.1% | |
| RESIDENTIAL BANCORP | $2,560,000 | $510,000 | -80.1% | 0.1% |
| Bank of the West | $10,780,000 | $505,000 | -95.3% | 0.1% |
| General Mortgage Capital Corporation | $325,000 | $490,000 | 50.8% | 0.1% |
| Nations Lending Corporation | $2,555,000 | $490,000 | -80.8% | 0.1% |
| First United Bank and Trust Company | $485,000 | n/a | 0.1% | |
| UNITED | $485,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $2,625,000 | $470,000 | -82.1% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $2,850,000 | $460,000 | -83.9% | 0.1% |
| BNC National Bank | $455,000 | n/a | 0.1% | |
| Cornerstone First Mortgage, Inc | $205,000 | $455,000 | 122.0% | 0.1% |
| Farmers & Merchants Bank of Central California | $450,000 | n/a | 0.1% | |
| SPRING EQ, LLC | $1,645,000 | $445,000 | -72.9% | 0.1% |
| AXIA FINANCIAL, LLC | $1,890,000 | $435,000 | -77.0% | 0.1% |
| DAS Acquisition Company, LLC | $435,000 | n/a | 0.1% | |
| LENDSURE MORTGAGE CORP. | $325,000 | $435,000 | 33.8% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $355,000 | $430,000 | 21.1% | 0.1% |
| NEXERA HOLDING LLC | $355,000 | $425,000 | 19.7% | 0.1% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $305,000 | $425,000 | 39.3% | 0.1% |
| FAY SERVICING, LLC | $420,000 | n/a | 0.1% | |
| MEMBER FIRST MORTGAGE, LLC | $1,285,000 | $405,000 | -68.5% | 0.1% |
| Provident Credit Union | $1,090,000 | $405,000 | -62.8% | 0.1% |
| Strong Home Mortgage, LLC | $1,160,000 | $405,000 | -65.1% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $535,000 | $400,000 | -25.2% | 0.1% |
| Golden Empire Mortgage, Inc. | $670,000 | $400,000 | -40.3% | 0.1% |
| Mechanics Bank | $8,775,000 | $400,000 | -95.4% | 0.1% |
| Constant Investments, Inc. | $265,000 | $395,000 | 49.1% | 0.1% |
| MICHIGAN MUTUAL, INC. | $1,350,000 | $395,000 | -70.7% | 0.1% |
| PACIFIC SERVICE | $2,450,000 | $385,000 | -84.3% | 0.1% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $375,000 | n/a | 0.1% | |
| Quontic Bank | $570,000 | $375,000 | -34.2% | 0.1% |
| DIGNIFIED HOME LOANS, LLC | $365,000 | n/a | 0.1% | |
| EMBRACE HOME LOANS, INC. | $365,000 | n/a | 0.1% | |
| UBS Bank USA | $535,000 | $355,000 | -33.6% | 0.0% |
| Coastal Community Bank | $350,000 | n/a | 0.0% | |
| Financial Partners Credit Union | $125,000 | $345,000 | 176.0% | 0.0% |
| Hometown Equity Mortgage, LLC | $305,000 | $345,000 | 13.1% | 0.0% |
| CLEARPATH LENDING | $305,000 | $325,000 | 6.6% | 0.0% |
| GTE Federal Credit Union | $540,000 | $320,000 | -40.7% | 0.0% |
| HOMESIDE FINANCIAL, LLC | $1,230,000 | $320,000 | -74.0% | 0.0% |
| GENEVA FINANCIAL, LLC | $275,000 | $315,000 | 14.5% | 0.0% |
| GSF Mortgage Corporation | $225,000 | $315,000 | 40.0% | 0.0% |
| MANN FINANCIAL INC. | $315,000 | n/a | 0.0% | |
| SCENIC OAKS FUNDING, INC. | $315,000 | n/a | 0.0% | |
| COMMUNITY MORTGAGE FUNDING, LLC | $305,000 | n/a | 0.0% | |
| MOUNTAIN WEST FINANCIAL, INC. | $1,880,000 | $305,000 | -83.8% | 0.0% |
| Operating Engineers Local Union #3 | $1,030,000 | $305,000 | -70.4% | 0.0% |
| TRISTAR FINANCE, INC. | $305,000 | n/a | 0.0% | |
| CENTRAL COAST LENDING, INC. | $285,000 | n/a | 0.0% | |
| COASTAL FUNDING SLC, INC. | $285,000 | n/a | 0.0% | |
| VAL-CHRIS INVESTMENTS, INC. | $280,000 | n/a | 0.0% | |
| FIRST COMMUNITY | $275,000 | n/a | 0.0% | |
| GUIDANCE RESIDENTIAL, LLC | $560,000 | $265,000 | -52.7% | 0.0% |
| Fremont Bank | $2,155,000 | $260,000 | -87.9% | 0.0% |
| LOGIX FEDERAL CREDIT UNION | $435,000 | $260,000 | -40.2% | 0.0% |
| AMWEST FUNDING CORP. | $1,705,000 | $255,000 | -85.0% | 0.0% |
| LIMA ONE CAPITAL, LLC | $165,000 | $255,000 | 54.5% | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | $255,000 | n/a | 0.0% | |
| CHEVRON | $1,230,000 | $245,000 | -80.1% | 0.0% |
| Vellum Mortgage, Inc. | $245,000 | n/a | 0.0% | |
| iCore Lending, Inc. | $495,000 | $235,000 | -52.5% | 0.0% |
| MEGASTAR FINANCIAL CORP. | $905,000 | $235,000 | -74.0% | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $235,000 | n/a | 0.0% | |
| OCMBC, INC. | $1,210,000 | $235,000 | -80.6% | 0.0% |
| VERITAS FUNDING, LLC | $315,000 | $225,000 | -28.6% | 0.0% |
| Axos Bank | $295,000 | $215,000 | -27.1% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $1,010,000 | $215,000 | -78.7% | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $205,000 | n/a | 0.0% | |
| Comerica Bank | $205,000 | n/a | 0.0% | |
| Mortgage Vintage, Inc. | $195,000 | n/a | 0.0% | |
| Firefighters First Federal Credit Union | $1,415,000 | $190,000 | -86.6% | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | $1,815,000 | $190,000 | -89.5% | 0.0% |
| DIGITAL Federal Credit Union | $75,000 | $185,000 | 146.7% | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $765,000 | $175,000 | -77.1% | 0.0% |
| CALTECH EMPLOYEES FEDERAL CREDIT UNION | $515,000 | $155,000 | -69.9% | 0.0% |
| GEORGIA'S OWN | $105,000 | $155,000 | 47.6% | 0.0% |
| State Department Federal Credit Union | $155,000 | n/a | 0.0% | |
| LANTZMAN MANAGEMENT, INC. | $145,000 | n/a | 0.0% | |
| SUN AMERICAN MORTGAGE COMPANY | $145,000 | n/a | 0.0% | |
| CALIFORNIA CREDIT UNION | $135,000 | n/a | 0.0% | |
| San Joaquin Power Employees Credit Union | $120,000 | n/a | 0.0% | |
| California Coast Credit Union | $205,000 | $105,000 | -48.8% | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | $805,000 | $105,000 | -87.0% | 0.0% |
| USAlliance Federal Credit Union | $105,000 | n/a | 0.0% | |
| 1ST UNITED SERVICES CREDIT UNION | $100,000 | n/a | 0.0% | |
| Lakeview Community Capital, LLC | $340,000 | $85,000 | -75.0% | 0.0% |
| Prosperity Home Mortgage, LLC | $85,000 | n/a | 0.0% | |
| TOP FLITE FINANCIAL, INC. | $225,000 | $85,000 | -62.2% | 0.0% |
| AMERICAN FIRST | $65,000 | n/a | 0.0% | |
| CBC Federal Credit Union | $685,000 | $65,000 | -90.5% | 0.0% |
| F&A Federal Credit Union | $245,000 | $65,000 | -73.5% | 0.0% |
| CHERRY CREEK MORTGAGE, LLC | $1,315,000 | $55,000 | -95.8% | 0.0% |
| HomeTrust Bank | $155,000 | $55,000 | -64.5% | 0.0% |
| PREMIER AMERICA | $55,000 | n/a | 0.0% | |
| SALAL | $55,000 | n/a | 0.0% | |
| Boeing Employees Credit Union | $45,000 | n/a | 0.0% | |
| FRONTWAVE | $45,000 | n/a | 0.0% | |
| LOS ANGELES POLICE Federal Credit Union | $45,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $2,050,000 | $35,000 | -98.3% | 0.0% |
| SESLOC | $35,000 | n/a | 0.0% |
CHICO's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 11.5% market share. In second place, with 10.2%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $74,075,000 in loans. In third place, with 5.7%, is MASON MCDUFFIE MORTGAGE CORPORATION, having originated $41,490,000 in loans. In fourth place, with 5.0%, is QUICKEN LOANS, LLC, having originated $36,000,000 in loans. In fifth place, with 4.2%, is Commerce Home Mortgage, Inc., having originated $30,275,000 in loans.
CHICO, CA Average Rent (2023)
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| Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
|---|---|---|---|---|---|---|
| 95901 | Chico, CA MSA | $1,000 | $1,000 | $1,280 | $1,820 | $2,180 |
| 95914 | Chico, CA MSA | $850 | $880 | $1,130 | $1,610 | $1,930 |
| 95916 | Chico, CA MSA | $750 | $810 | $1,060 | $1,500 | $1,820 |
| 95917 | Chico, CA MSA | $900 | $950 | $1,250 | $1,780 | $2,130 |
| 95926 | Chico, CA MSA | $890 | $940 | $1,240 | $1,760 | $2,110 |
| 95927 | Chico, CA MSA | $890 | $940 | $1,240 | $1,760 | $2,110 |
| 95928 | Chico, CA MSA | $970 | $1,020 | $1,340 | $1,900 | $2,280 |
| 95930 | Chico, CA MSA | $890 | $940 | $1,240 | $1,760 | $2,110 |
| 95938 | Chico, CA MSA | $1,110 | $1,170 | $1,540 | $2,190 | $2,620 |
| 95940 | Chico, CA MSA | $890 | $940 | $1,240 | $1,760 | $2,110 |
| 95941 | Chico, CA MSA | $900 | $940 | $1,240 | $1,760 | $2,110 |
| 95942 | Chico, CA MSA | $930 | $980 | $1,290 | $1,830 | $2,200 |
| 95948 | Chico, CA MSA | $830 | $840 | $1,090 | $1,550 | $1,860 |
| 95954 | Chico, CA MSA | $890 | $940 | $1,240 | $1,760 | $2,110 |
| 95958 | Chico, CA MSA | $890 | $940 | $1,240 | $1,760 | $2,110 |
| 95965 | Chico, CA MSA | $750 | $810 | $1,060 | $1,500 | $1,820 |
| 95966 | Chico, CA MSA | $840 | $890 | $1,170 | $1,660 | $1,990 |
| 95967 | Chico, CA MSA | $890 | $940 | $1,240 | $1,760 | $2,110 |
| 95968 | Chico, CA MSA | $750 | $810 | $1,060 | $1,500 | $1,820 |
| 95969 | Chico, CA MSA | $870 | $920 | $1,210 | $1,720 | $2,060 |
| 95973 | Chico, CA MSA | $990 | $1,040 | $1,370 | $1,950 | $2,330 |
| 95974 | Chico, CA MSA | $890 | $940 | $1,240 | $1,760 | $2,110 |
| 95978 | Chico, CA MSA | $780 | $840 | $1,100 | $1,550 | $1,890 |
2022 Average & Median Rent Data Statistics
CHICO, CA average 1BR rent: $931, median: $940
CHICO, CA average 2BR rent: $1,222, median: $1,240
CHICO, CA average 3BR rent: $1,735, median: $1,760
CHICO, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,647 | $554,905,000 | $336,919 |
| Cash Out Refi | 295 | $62,625,000 | $212,288 |
| Refi | 228 | $62,010,000 | $271,974 |
| Home Improvement | 201 | $25,525,000 | $126,990 |
| Other | 176 | $19,880,000 | $112,955 |
| NA | 1 | $145,000 | $145,000 |
Chico's most frequently cited loan purpose was Home Purchase, with 1,647 originations. The 2nd most popular reason was Cash Out Refi, with 295 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 926 | $289,990,000 | $313,164 |
| 7-8% | 535 | $178,815,000 | $334,234 |
| Over 8% | 499 | $63,865,000 | $127,986 |
| 5-6% | 429 | $146,835,000 | $342,273 |
| <2.5% | 90 | $23,590,000 | $262,111 |
| 4-5% | 38 | $12,370,000 | $325,526 |
| 2.5-3% | 6 | $1,140,000 | $190,000 |
| 3-4% | 3 | $1,455,000 | $485,000 |
During 2023, Chico's most frequently originated rate bucket was 6-7%, with 926 originations.
Loan Sizing (CHICO, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,104 | $327,760,000 | $296,884 |
| $100,000 or less | 507 | $24,735,000 | $48,787 |
| $100k-200k | 485 | $70,105,000 | $144,546 |
| $400k-600k | 347 | $161,105,000 | $464,280 |
| $600k-1000k | 91 | $64,295,000 | $706,538 |
| $Over $1MM | 14 | $77,090,000 | $5,506,429 |
CHICO's loan sizing saw the bucket of loans from $200k-400k with 1,104 originations, totaling $327,760,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 979 | $348,475,000 | $355,950 |
| 60-80% | 520 | $178,540,000 | $343,346 |
| Under 20% | 494 | $28,200,000 | $57,085 |
| 20-40% | 257 | $36,405,000 | $141,654 |
| 40-60% | 244 | $89,660,000 | $367,459 |
| Over 100% | 26 | $32,720,000 | $1,258,462 |
CHICO's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 979 originations, totaling $348,475,000 in origination value.