CHICO Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Chico averaged
6.46%
for the week of 2025-04-03, compared to the national average of
6.64% for the same period.
The average rate for the prior week (2025-03-27) was
6.47% and
one month ago for the week of 2025-02-27, the
average rate was 6.88%.
Chico's average rate one year ago was 7.01%.
For refis of the same type during the week of 2025-04-03, the average rate
was 6.76%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
| Chico 30 Year Fixed Rate | 2025-04-03 | 6.46% |
| Chico 30 Year Fixed Rate Refi | 2025-04-03 | 6.76% |
| Chico 15 Year Fixed Rate | 2025-04-03 | 5.92% |
| Chico 15 Year Fixed Rate Refi | 2025-04-03 | 6.42% |
| Chico 30 Year FHA | 2025-04-03 | 5.87% |
| Chico 30 Year FHA Refi | 2025-04-03 | 6.36% |
| Chico 30 Year USDA | 2025-04-03 | 6.22% |
| Chico 30 Year USDA Refi | 2025-04-03 | 6.52% |
| Chico 30 Year VA | 2025-04-03 | 6.02% |
| Chico 30 Year VA Refi | 2025-04-03 | 5.96% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within CHICO, CA.
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 124 lenders originated 2,821
loans during 2024. The total origination value was $861,005,000, with an average loan value of
$305,213.
CHICO's average closing costs are $5,760.
The top CHICO lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with
167 loans originated. Their average total fees are
$8,436, which is $288
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 ($3,270), DHI MORTGAGE COMPANY, LTD. ($3,813), Tri Counties Bank ($4,282), Wells Fargo Bank ($5,407) and QUICKEN LOANS, LLC ($5,857).
The lowest rate CHICO lenders (with over 10 loans originated) are
OCMBC, INC. (5.21%), DHI MORTGAGE COMPANY, LTD. (5.67%), PREMIER MORTGAGE RESOURCES, L.L.C. (6.39%), MOVEMENT MORTGAGE, LLC (6.40%) and GUARANTEED RATE, INC. (6.41%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $74,075,000 | $89,565,000 | 20.9% | 10.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $83,385,000 | $81,515,000 | -2.2% | 9.5% |
| QUICKEN LOANS, LLC | $36,000,000 | $50,505,000 | 40.3% | 5.9% |
| Tri Counties Bank | $28,420,000 | $49,830,000 | 75.3% | 5.8% |
| NEWREZ LLC | $19,265,000 | $48,395,000 | 151.2% | 5.6% |
| Prudential Huntoon Paige Associates, LLC | $39,775,000 | n/a | 4.6% | |
| MASON MCDUFFIE MORTGAGE CORPORATION | $41,490,000 | $33,935,000 | -18.2% | 3.9% |
| Commerce Home Mortgage, Inc. | $30,275,000 | $30,605,000 | 1.1% | 3.6% |
| DHI MORTGAGE COMPANY, LTD. | $13,495,000 | $20,320,000 | 50.6% | 2.4% |
| GUARANTEED RATE, INC. | $1,400,000 | $16,525,000 | 1,080.4% | 1.9% |
| MOVEMENT MORTGAGE, LLC | $9,630,000 | $15,475,000 | 60.7% | 1.8% |
| JPMorgan Chase Bank | $4,740,000 | $14,700,000 | 210.1% | 1.7% |
| Mortgage Research Center, LLC | $5,340,000 | $13,820,000 | 158.8% | 1.6% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $9,485,000 | $13,655,000 | 44.0% | 1.6% |
| Plains Commerce Bank | $3,510,000 | $12,950,000 | 268.9% | 1.5% |
| GUILD MORTGAGE COMPANY | $16,645,000 | $12,630,000 | -24.1% | 1.5% |
| Century Mortgage Company DBA Century Lending Company | $6,980,000 | $12,585,000 | 80.3% | 1.5% |
| Flagstar Bank, FSB | $4,915,000 | $12,585,000 | 156.1% | 1.5% |
| CMG MORTGAGE, INC. | $10,525,000 | $12,420,000 | 18.0% | 1.4% |
| Paramount Residential Mortgage Group, Inc. | $9,405,000 | $11,920,000 | 26.7% | 1.4% |
| U.S. Bank | $9,840,000 | $9,585,000 | -2.6% | 1.1% |
| Mechanics Bank | $400,000 | $7,775,000 | 1,843.8% | 0.9% |
| Sierra Central Credit Union | $9,890,000 | $7,515,000 | -24.0% | 0.9% |
| Bank of America | $8,190,000 | $7,080,000 | -13.6% | 0.8% |
| TRAVIS CREDIT UNION | $710,000 | $7,050,000 | 893.0% | 0.8% |
| The Loan Store, Inc. | $1,890,000 | $6,950,000 | 267.7% | 0.8% |
| Sierra Pacific Mortgage Company, Inc. | $6,885,000 | $6,670,000 | -3.1% | 0.8% |
| Banner Bank | $2,235,000 | $6,565,000 | 193.7% | 0.8% |
| FREEDOM MORTGAGE CORPORATION | $2,650,000 | $6,510,000 | 145.7% | 0.8% |
| THE GOLDEN 1 | $3,770,000 | $6,395,000 | 69.6% | 0.7% |
| PENNYMAC LOAN SERVICES, LLC | $5,530,000 | $6,285,000 | 13.7% | 0.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $5,875,000 | $5,420,000 | -7.7% | 0.6% |
| BROKER SOLUTIONS, INC. | $4,240,000 | $4,720,000 | 11.3% | 0.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $4,230,000 | $4,695,000 | 11.0% | 0.5% |
| LOANDEPOT.COM, LLC | $5,860,000 | $4,555,000 | -22.3% | 0.5% |
| Wells Fargo Bank | $6,010,000 | $4,495,000 | -25.2% | 0.5% |
| SCHOOLSFIRST | $2,550,000 | $4,060,000 | 59.2% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $2,670,000 | $3,775,000 | 41.4% | 0.4% |
| American Mortgage & Equity Consultants, Inc. | $1,105,000 | $3,730,000 | 237.6% | 0.4% |
| Equity Prime Mortgage LLC | $1,375,000 | $3,670,000 | 166.9% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $1,750,000 | $3,515,000 | 100.9% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $790,000 | $3,135,000 | 296.8% | 0.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,945,000 | $3,110,000 | 59.9% | 0.4% |
| BMO Harris Bank | $1,990,000 | $2,950,000 | 48.2% | 0.3% |
| PLAZA HOME MORTGAGE, INC. | $2,040,000 | $2,920,000 | 43.1% | 0.3% |
| 21ST MORTGAGE CORPORATION | $4,435,000 | $2,705,000 | -39.0% | 0.3% |
| MORTGAGEONE, INC. | $2,665,000 | n/a | 0.3% | |
| Morgan Stanley Private Bank | $2,115,000 | $2,650,000 | 25.3% | 0.3% |
| NMSI, INC. | $2,560,000 | n/a | 0.3% | |
| OCMBC, INC. | $235,000 | $2,460,000 | 946.8% | 0.3% |
| Figure Lending LLC | $745,000 | $2,405,000 | 222.8% | 0.3% |
| ALLIANT CREDIT UNION | $685,000 | $2,385,000 | 248.2% | 0.3% |
| Umpqua Bank | $3,215,000 | $2,385,000 | -25.8% | 0.3% |
| Northwest Farm Credit Services, FLCA | $575,000 | $2,340,000 | 307.0% | 0.3% |
| PACIFIC SERVICE | $385,000 | $2,240,000 | 481.8% | 0.3% |
| Logan Finance Corporation | $2,215,000 | n/a | 0.3% | |
| Zions Bank | $2,180,000 | n/a | 0.3% | |
| SUN WEST MORTGAGE COMPANY, INC. | $190,000 | $2,115,000 | 1,013.2% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $3,395,000 | $1,825,000 | -46.2% | 0.2% |
| ALAMEDA MORTGAGE CORPORATION | $1,755,000 | n/a | 0.2% | |
| Discover Bank | $630,000 | $1,735,000 | 175.4% | 0.2% |
| Hometown Equity Mortgage, LLC | $345,000 | $1,695,000 | 391.3% | 0.2% |
| BAY-VALLEY MORTGAGE GROUP | $1,635,000 | n/a | 0.2% | |
| AMERICAN HERITAGE LENDING, INC. | $610,000 | $1,605,000 | 163.1% | 0.2% |
| FINANCE OF AMERICA REVERSE LLC | $880,000 | $1,575,000 | 79.0% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $630,000 | $1,550,000 | 146.0% | 0.2% |
| Stifel Bank and Trust | $560,000 | $1,540,000 | 175.0% | 0.2% |
| Ameris Bank | $1,515,000 | n/a | 0.2% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $710,000 | $1,405,000 | 97.9% | 0.2% |
| PNC Bank | $695,000 | $1,380,000 | 98.6% | 0.2% |
| AMWEST FUNDING CORP. | $255,000 | $1,365,000 | 435.3% | 0.2% |
| FIRST TECHNOLOGY | $675,000 | $1,325,000 | 96.3% | 0.2% |
| ZILLOW HOME LOANS, LLC | $1,125,000 | $1,320,000 | 17.3% | 0.2% |
| AMERICAN FINANCIAL NETWORK, INC. | $1,265,000 | $1,310,000 | 3.6% | 0.2% |
| Armed Forces Bank | $1,285,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $6,455,000 | $1,235,000 | -80.9% | 0.1% |
| USAA Federal Savings Bank | $2,495,000 | $1,150,000 | -53.9% | 0.1% |
| Ally Bank | $1,190,000 | $1,130,000 | -5.0% | 0.1% |
| CLEARPATH LENDING | $325,000 | $1,125,000 | 246.2% | 0.1% |
| NBKC BANK | $1,045,000 | $1,095,000 | 4.8% | 0.1% |
| SUMMIT FUNDING, INC. | $1,245,000 | $1,095,000 | -12.0% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $1,210,000 | $1,080,000 | -10.7% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $470,000 | $1,060,000 | 125.5% | 0.1% |
| JMAC LENDING, INC. | $1,030,000 | n/a | 0.1% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,245,000 | $1,015,000 | -18.5% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $1,645,000 | $980,000 | -40.4% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $460,000 | $975,000 | 112.0% | 0.1% |
| Carrington Mortgage Services, LLC | $905,000 | $960,000 | 6.1% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $1,545,000 | $945,000 | -38.8% | 0.1% |
| AXIA FINANCIAL, LLC | $435,000 | $910,000 | 109.2% | 0.1% |
| PLANET HOME LENDING, LLC | $1,060,000 | $870,000 | -17.9% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $845,000 | $855,000 | 1.2% | 0.1% |
| RESIDENTIAL BANCORP | $510,000 | $850,000 | 66.7% | 0.1% |
| The Federal Savings Bank | $1,025,000 | $835,000 | -18.5% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $215,000 | $825,000 | 283.7% | 0.1% |
| Coastal Community Bank | $350,000 | $820,000 | 134.3% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $320,000 | $820,000 | 156.3% | 0.1% |
| Quontic Bank | $375,000 | $800,000 | 113.3% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $430,000 | $770,000 | 79.1% | 0.1% |
| Lakeview Community Capital, LLC | $85,000 | $760,000 | 794.1% | 0.1% |
| LENDINGONE, LLC | $755,000 | n/a | 0.1% | |
| MICHIGAN MUTUAL, INC. | $395,000 | $745,000 | 88.6% | 0.1% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $205,000 | $735,000 | 258.5% | 0.1% |
| LAND HOME FINANCIAL SERVICES, INC. | $575,000 | $735,000 | 27.8% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $725,000 | n/a | 0.1% | |
| MEMBERS 1ST CREDIT UNION | $765,000 | $720,000 | -5.9% | 0.1% |
| Northbrook Bank & Trust | $715,000 | n/a | 0.1% | |
| Provident Credit Union | $405,000 | $710,000 | 75.3% | 0.1% |
| AmeriHome Mortgage Company, LLC | $735,000 | $680,000 | -7.5% | 0.1% |
| INFINITY EQUITY GROUP, INC. | $1,105,000 | $675,000 | -38.9% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $400,000 | $670,000 | 67.5% | 0.1% |
| Citadel Servicing Corporation | $1,010,000 | $640,000 | -36.6% | 0.1% |
| NP, Inc. | $605,000 | n/a | 0.1% | |
| Fremont Bank | $260,000 | $590,000 | 126.9% | 0.1% |
| Firefighters First Federal Credit Union | $190,000 | $580,000 | 205.3% | 0.1% |
| FIRST U.S. COMMUNITY CREDIT UNION | $570,000 | n/a | 0.1% | |
| Charles Schwab Bank, SSB | $560,000 | n/a | 0.1% | |
| LOANPAL, LLC | $845,000 | $530,000 | -37.3% | 0.1% |
| LANTZMAN MANAGEMENT, INC. | $145,000 | $515,000 | 255.2% | 0.1% |
| Raymond James Bank | $515,000 | n/a | 0.1% | |
| SAN FRANCISCO FIRE CREDIT UNION | $505,000 | n/a | 0.1% | |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $1,095,000 | $500,000 | -54.3% | 0.1% |
| PHH Mortgage Corporation | $715,000 | $495,000 | -30.8% | 0.1% |
| SANDIA LABORATORY | $480,000 | n/a | 0.1% | |
| MYPOINT Credit Union | $465,000 | n/a | 0.1% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $460,000 | n/a | 0.1% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $545,000 | $460,000 | -15.6% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $445,000 | n/a | 0.1% | |
| NexBank | $440,000 | n/a | 0.1% | |
| KINECTA | $435,000 | n/a | 0.1% | |
| Performance Financial, Inc. | $435,000 | n/a | 0.1% | |
| Bethpage Federal Credit Union | $665,000 | $430,000 | -35.3% | 0.0% |
| CANOPY MORTGAGE, LLC | $690,000 | $425,000 | -38.4% | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $235,000 | $425,000 | 80.9% | 0.0% |
| REDWOOD | $615,000 | $425,000 | -30.9% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $870,000 | $420,000 | -51.7% | 0.0% |
| Cornerstone First Mortgage, Inc | $455,000 | $415,000 | -8.8% | 0.0% |
| Florida Capital Bank | $410,000 | n/a | 0.0% | |
| A&D Mortgage LLC | $570,000 | $405,000 | -28.9% | 0.0% |
| BANC ONE MORTGAGE CORPORATION | $405,000 | n/a | 0.0% | |
| LENDSURE MORTGAGE CORP. | $435,000 | $405,000 | -6.9% | 0.0% |
| STARBOARD FINANCIAL MANAGEMENT, LLC | $405,000 | n/a | 0.0% | |
| SACRAMENTO Credit Union | $395,000 | n/a | 0.0% | |
| Unitus Community Credit Union | $395,000 | n/a | 0.0% | |
| CARDINAL FINANCIAL | $2,180,000 | $390,000 | -82.1% | 0.0% |
| Boeing Employees Credit Union | $45,000 | $385,000 | 755.6% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $2,055,000 | $385,000 | -81.3% | 0.0% |
| GNB Bank | $375,000 | n/a | 0.0% | |
| University Bank | $1,015,000 | $365,000 | -64.0% | 0.0% |
| OPEN MORTGAGE, LLC | $355,000 | n/a | 0.0% | |
| GUARANTEED RATE AFFINITY, LLC | $345,000 | n/a | 0.0% | |
| MEGASTAR FINANCIAL CORP. | $235,000 | $345,000 | 46.8% | 0.0% |
| North American Savings Bank, F.S.B. | $345,000 | n/a | 0.0% | |
| ST FIN CORP | $345,000 | n/a | 0.0% | |
| TOP FLITE FINANCIAL, INC. | $85,000 | $340,000 | 300.0% | 0.0% |
| HighTechLending Inc | $335,000 | n/a | 0.0% | |
| NEXERA HOLDING LLC | $425,000 | $335,000 | -21.2% | 0.0% |
| EVERETT FINANCIAL, INC. | $570,000 | $325,000 | -43.0% | 0.0% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $580,000 | $325,000 | -44.0% | 0.0% |
| THE POLICE Credit Union | $325,000 | n/a | 0.0% | |
| BETTER MORTGAGE CORPORATION | $1,115,000 | $305,000 | -72.6% | 0.0% |
| Comerica Bank | $205,000 | $305,000 | 48.8% | 0.0% |
| KeyBank | $8,270,000 | $305,000 | -96.3% | 0.0% |
| ORANGE COUNTY'S CREDIT UNION | $305,000 | n/a | 0.0% | |
| TEACHERS | $910,000 | $305,000 | -66.5% | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | $280,000 | $305,000 | 8.9% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $855,000 | $295,000 | -65.5% | 0.0% |
| FOOTHILL FEDERAL CREDIT UNION | $295,000 | n/a | 0.0% | |
| Home Mortgage Alliance Corp | $295,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $445,000 | $290,000 | -34.8% | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | $285,000 | n/a | 0.0% | |
| NEW WAVE LENDING GROUP INC | $285,000 | n/a | 0.0% | |
| PATELCO | $1,915,000 | $280,000 | -85.4% | 0.0% |
| ALTURA | $275,000 | n/a | 0.0% | |
| American Mortgage Bank, LLC | $275,000 | n/a | 0.0% | |
| INOVA FEDERAL CREDIT UNION | $275,000 | n/a | 0.0% | |
| ON Q FINANCIAL, INC. | $265,000 | n/a | 0.0% | |
| Prosperity Home Mortgage, LLC | $85,000 | $265,000 | 211.8% | 0.0% |
| Self-Help Federal Credit Union | $960,000 | $255,000 | -73.4% | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | $685,000 | $255,000 | -62.8% | 0.0% |
| EMBRACE HOME LOANS, INC. | $365,000 | $245,000 | -32.9% | 0.0% |
| First National Bank of America | $245,000 | n/a | 0.0% | |
| General Mortgage Capital Corporation | $490,000 | $235,000 | -52.0% | 0.0% |
| GTE Federal Credit Union | $320,000 | $225,000 | -29.7% | 0.0% |
| San Joaquin Power Employees Credit Union | $120,000 | $225,000 | 87.5% | 0.0% |
| 1ST UNITED SERVICES CREDIT UNION | $100,000 | $205,000 | 105.0% | 0.0% |
| ARC HOME LLC | $195,000 | n/a | 0.0% | |
| V.I.P. MORTGAGE, INC. | $195,000 | n/a | 0.0% | |
| FOUNDATION MORTGAGE CORPORATION | $185,000 | n/a | 0.0% | |
| BAY EQUITY LLC | $570,000 | $165,000 | -71.1% | 0.0% |
| VERITAS FUNDING, LLC | $225,000 | $165,000 | -26.7% | 0.0% |
| KEYPOINT | $685,000 | $155,000 | -77.4% | 0.0% |
| TOWNE MORTGAGE COMPANY | $155,000 | n/a | 0.0% | |
| STAR ONE CREDIT UNION | $145,000 | n/a | 0.0% | |
| AMERITRUST MORTGAGE CORPORATION | $135,000 | n/a | 0.0% | |
| USAlliance Federal Credit Union | $105,000 | $125,000 | 19.0% | 0.0% |
| Franklin Loan Corporation | $780,000 | $115,000 | -85.3% | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,390,000 | $105,000 | -92.4% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $105,000 | n/a | 0.0% | |
| COMMUNITY FIRST CREDIT UNION | $85,000 | n/a | 0.0% | |
| DIGITAL Federal Credit Union | $185,000 | $75,000 | -59.5% | 0.0% |
| WINGS FINANCIAL | $65,000 | n/a | 0.0% | |
| F&A Federal Credit Union | $65,000 | $55,000 | -15.4% | 0.0% |
| GEORGIA'S OWN | $155,000 | $55,000 | -64.5% | 0.0% |
| PREMIER AMERICA | $55,000 | $55,000 | 0.0% | 0.0% |
| California Coast Credit Union | $105,000 | $35,000 | -66.7% | 0.0% |
| SAFE CREDIT UNION | $1,245,000 | $35,000 | -97.2% | 0.0% |
| Truist | $1,100,000 | $35,000 | -96.8% | 0.0% |
| SALAL | $55,000 | $25,000 | -54.5% | 0.0% |
CHICO's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 10.4% market share. In second place, with 9.5%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $81,515,000 in loans. In third place, with 5.9%, is QUICKEN LOANS, LLC, having originated $50,505,000 in loans. In fourth place, with 5.8%, is Tri Counties Bank, having originated $49,830,000 in loans. In fifth place, with 5.6%, is NEWREZ LLC, having originated $48,395,000 in loans.
CHICO Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - CHICO (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $287,450 (-0.1%) | $381,482 (10.3%) | 1.07 | 415 |
| 2018-02-01 | $293,750 (2.1%) | $380,820 (7.5%) | 1.07 | 421 |
| 2018-03-01 | $329,000 (14.3%) | $409,785 (16.6%) | 1.15 | 471 |
| 2018-04-01 | $324,950 (12.4%) | $390,758 (5.7%) | 1.10 | 521 |
| 2018-05-01 | $329,750 (12.2%) | $394,626 (4.6%) | 1.10 | 589 |
| 2018-06-01 | $319,000 (9.6%) | $383,183 (4.3%) | 1.06 | 629 |
| 2018-07-01 | $323,475 (12.4%) | $387,403 (7.5%) | 1.08 | 679 |
| 2018-08-01 | $316,375 (9.9%) | $376,846 (3.3%) | 1.06 | 711 |
| 2018-09-01 | $315,500 (9.6%) | $366,600 (-1.6%) | 1.06 | 731 |
| 2018-10-01 | $312,500 (8.3%) | $367,177 (-1.3%) | 1.06 | 726 |
| 2018-11-01 | $302,438 (5.1%) | $370,054 (0.0%) | 1.03 | 574 |
| 2018-12-01 | $329,000 (14.3%) | $392,817 (4.0%) | 1.13 | 342 |
| 2019-01-01 | $334,500 (16.4%) | $391,621 (2.7%) | 1.16 | 395 |
| 2019-02-01 | $333,125 (13.4%) | $384,086 (0.9%) | 1.13 | 412 |
| 2019-03-01 | $346,714 (5.4%) | $397,138 (-3.1%) | 1.13 | 388 |
| 2019-04-01 | $366,214 (12.7%) | $416,363 (6.6%) | 1.16 | 400 |
| 2019-05-01 | $370,000 (12.2%) | $427,475 (8.3%) | 1.16 | 498 |
| 2019-06-01 | $369,000 (15.7%) | $424,173 (10.7%) | 1.15 | 554 |
| 2019-07-01 | $358,255 (10.8%) | $421,912 (8.9%) | 1.12 | 613 |
| 2019-08-01 | $355,462 (12.4%) | $421,463 (11.8%) | 1.13 | 629 |
| 2019-09-01 | $352,390 (11.7%) | $421,589 (15.0%) | 1.13 | 613 |
| 2019-10-01 | $350,000 (12.0%) | $421,673 (14.8%) | 1.13 | 585 |
| 2019-11-01 | $349,500 (15.6%) | $423,281 (14.4%) | 1.15 | 528 |
| 2019-12-01 | $351,715 (6.9%) | $431,692 (9.9%) | 1.17 | 464 |
| 2020-01-01 | $362,500 (8.4%) | $445,568 (13.8%) | 1.21 | 389 |
| 2020-02-01 | $379,500 (13.9%) | $440,942 (14.8%) | 1.24 | 351 |
| 2020-03-01 | $389,000 (12.2%) | $454,168 (14.4%) | 1.22 | 346 |
| 2020-04-01 | $399,000 (9.0%) | $466,651 (12.1%) | 1.25 | 347 |
| 2020-05-01 | $418,000 (13.0%) | $474,953 (11.1%) | 1.27 | 364 |
| 2020-06-01 | $424,000 (14.9%) | $475,467 (12.1%) | 1.25 | 345 |
| 2020-07-01 | $402,500 (12.4%) | $479,779 (13.7%) | 1.17 | 305 |
| 2020-08-01 | $417,000 (17.3%) | $480,119 (13.9%) | 1.19 | 307 |
| 2020-09-01 | $399,750 (13.4%) | $473,628 (12.3%) | 1.15 | 288 |
| 2020-10-01 | $398,000 (13.7%) | $460,962 (9.3%) | 1.14 | 308 |
| 2020-11-01 | $389,225 (11.4%) | $456,687 (7.9%) | 1.14 | 321 |
| 2020-12-01 | $399,000 (13.4%) | $459,965 (6.6%) | 1.19 | 265 |
| 2021-01-01 | $399,550 (10.2%) | $465,300 (4.4%) | 1.19 | 243 |
| 2021-02-01 | $421,875 (11.2%) | $511,847 (16.1%) | 1.23 | 234 |
| 2021-03-01 | $417,500 (7.3%) | $514,341 (13.3%) | 1.18 | 233 |
| 2021-04-01 | $430,250 (7.8%) | $547,253 (17.3%) | 1.16 | 224 |
| 2021-05-01 | $450,000 (7.7%) | $562,905 (18.5%) | 1.20 | 236 |
| 2021-06-01 | $452,250 (6.7%) | $564,564 (18.7%) | 1.19 | 252 |
| 2021-07-01 | $447,000 (11.1%) | $550,888 (14.8%) | 1.18 | 282 |
| 2021-08-01 | $433,750 (4.0%) | $510,201 (6.3%) | 1.16 | 312 |
| 2021-09-01 | $437,450 (9.4%) | $502,209 (6.0%) | 1.17 | 317 |
| 2021-10-01 | $449,000 (12.8%) | $541,429 (17.5%) | 1.20 | 324 |
| 2021-11-01 | $450,000 (15.6%) | $555,696 (21.7%) | 1.20 | 287 |
| 2021-12-01 | $449,000 (12.5%) | $543,326 (18.1%) | 1.22 | 245 |
| 2022-01-01 | $442,500 (10.8%) | $541,457 (16.4%) | 1.20 | 198 |
| 2022-02-01 | $449,950 (6.7%) | $535,830 (4.7%) | 1.17 | 211 |
| 2022-03-01 | $449,225 (7.6%) | $523,628 (1.8%) | 1.12 | 226 |
| 2022-04-01 | $480,000 (11.6%) | $553,498 (1.1%) | 1.14 | 264 |
| 2022-05-01 | $472,000 (4.9%) | $888,874 (57.9%) | 1.08 | 341 |
| 2022-06-01 | $468,750 (3.7%) | $547,222 (-3.1%) | 1.04 | 391 |
| 2022-07-01 | $455,000 (1.8%) | $532,510 (-3.3%) | 1.03 | 482 |
| 2022-08-01 | $457,450 (5.5%) | $529,080 (3.7%) | 1.06 | 523 |
| 2022-09-01 | $450,000 (2.9%) | $517,905 (3.1%) | 1.05 | 509 |
| 2022-10-01 | $444,900 (-0.9%) | $515,680 (-4.8%) | 1.05 | 509 |
| 2022-11-01 | $434,950 (-3.3%) | $510,628 (-8.1%) | 1.05 | 480 |
| 2022-12-01 | $435,000 (-3.1%) | $513,784 (-5.4%) | 1.07 | 446 |
| 2023-01-01 | $423,000 (-4.4%) | $506,806 (-6.4%) | 1.05 | 382 |
| 2023-02-01 | $427,113 (-5.1%) | $519,039 (-3.1%) | 1.03 | 342 |
| 2023-03-01 | $431,175 (-4.0%) | $518,304 (-1.0%) | 1.02 | 318 |
| 2023-04-01 | $438,500 (-8.7%) | $521,388 (-5.8%) | 1.02 | 302 |
| 2023-05-01 | $429,975 (-8.9%) | $519,607 (-41.5%) | 0.98 | 339 |
| 2023-06-01 | $429,113 (-8.5%) | $516,580 (-5.6%) | 0.96 | 359 |
| 2023-07-01 | $429,925 (-5.5%) | $514,767 (-3.3%) | 0.98 | 366 |
| 2023-08-01 | $433,625 (-5.2%) | $521,724 (-1.4%) | 1.00 | 374 |
| 2023-09-01 | $425,000 (-5.6%) | $510,437 (-1.4%) | 0.99 | 406 |
| 2023-10-01 | $426,975 (-4.0%) | $506,339 (-1.8%) | 1.00 | 426 |
| 2023-11-01 | $439,500 (1.1%) | $557,197 (9.1%) | 1.05 | 420 |
| 2023-12-01 | $431,750 (-0.8%) | $541,538 (5.4%) | 1.05 | 360 |
| 2024-01-01 | $424,950 (0.5%) | $525,493 (3.7%) | 1.04 | 328 |
| 2024-02-01 | $420,925 (-1.5%) | $522,244 (0.6%) | 1.01 | 316 |
| 2024-03-01 | $430,000 (-0.3%) | $528,711 (2.0%) | 1.01 | 349 |
| 2024-04-01 | $434,000 (-1.0%) | $542,244 (4.0%) | 1.01 | 391 |
| 2024-05-01 | $449,125 (4.5%) | $549,908 (5.8%) | 1.02 | 454 |
| 2024-06-01 | $449,000 (4.6%) | $546,864 (5.9%) | 1.02 | 488 |
| 2024-07-01 | $434,500 (1.1%) | $543,103 (5.5%) | 0.99 | 515 |
| 2024-08-01 | $424,900 (-2.0%) | $537,131 (3.0%) | 0.99 | 520 |
| 2024-09-01 | $425,000 (0.0%) | $532,535 (4.3%) | 1.00 | 515 |
| 2024-10-01 | $425,500 (-0.4%) | $529,317 (4.5%) | 1.00 | 540 |
| 2024-11-01 | $429,900 (-2.2%) | $526,152 (-5.6%) | 1.03 | 537 |
| 2024-12-01 | $423,650 (-1.9%) | $508,971 (-6.0%) | 1.05 | 451 |
| 2025-01-01 | $424,875 (0.0%) | $506,155 (-3.7%) | 1.06 | 420 |
| 2025-02-01 | $414,100 (-1.6%) | $490,455 (-6.1%) | 1.01 | 440 |
| 2025-03-01 | $426,000 (-0.9%) | $498,503 (-5.7%) | 0.00 | 475 |
CHICO's median listing price for 2025-03-01 was $426,000, a difference of
$-4,000
(-0.9%) versus the prior year and
$11,900 versus the prior month.
CHICO's median listing price comes in at 0% of the national average.
CHICO's average listing price for 2025-03-01 was $498,503, a difference of $-30,208 (-5.7%) versus the prior year and $8,048 versus the prior month.
For the 2025-03-01 period, CHICO had 475 MLS listings, a difference of 35 listings (8%) versus the prior month and 126 listings (36%) versus the prior year.
CHICO's median listing price comes in at 0% of the national average.
CHICO's average listing price for 2025-03-01 was $498,503, a difference of $-30,208 (-5.7%) versus the prior year and $8,048 versus the prior month.
For the 2025-03-01 period, CHICO had 475 MLS listings, a difference of 35 listings (8%) versus the prior month and 126 listings (36%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - CHICO (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 55 days | 1,621 sqft |
| 2018-02-01 | 38 days | 1,610 sqft |
| 2018-03-01 | 31 days | 1,696 sqft |
| 2018-04-01 | 39 days | 1,668 sqft |
| 2018-05-01 | 35 days | 1,709 sqft |
| 2018-06-01 | 36 days | 1,684 sqft |
| 2018-07-01 | 39 days | 1,673 sqft |
| 2018-08-01 | 44 days | 1,639 sqft |
| 2018-09-01 | 48 days | 1,615 sqft |
| 2018-10-01 | 53 days | 1,615 sqft |
| 2018-11-01 | 55 days | 1,629 sqft |
| 2018-12-01 | 25 days | 1,615 sqft |
| 2019-01-01 | 30 days | 1,594 sqft |
| 2019-02-01 | 32 days | 1,557 sqft |
| 2019-03-01 | 40 days | 1,588 sqft |
| 2019-04-01 | 43 days | 1,632 sqft |
| 2019-05-01 | 36 days | 1,640 sqft |
| 2019-06-01 | 38 days | 1,684 sqft |
| 2019-07-01 | 45 days | 1,699 sqft |
| 2019-08-01 | 49 days | 1,684 sqft |
| 2019-09-01 | 54 days | 1,684 sqft |
| 2019-10-01 | 59 days | 1,688 sqft |
| 2019-11-01 | 65 days | 1,714 sqft |
| 2019-12-01 | 75 days | 1,715 sqft |
| 2020-01-01 | 77 days | 1,710 sqft |
| 2020-02-01 | 80 days | 1,712 sqft |
| 2020-03-01 | 60 days | 1,755 sqft |
| 2020-04-01 | 63 days | 1,833 sqft |
| 2020-05-01 | 64 days | 1,855 sqft |
| 2020-06-01 | 54 days | 1,865 sqft |
| 2020-07-01 | 62 days | 1,856 sqft |
| 2020-08-01 | 51 days | 1,830 sqft |
| 2020-09-01 | 55 days | 1,756 sqft |
| 2020-10-01 | 52 days | 1,748 sqft |
| 2020-11-01 | 49 days | 1,750 sqft |
| 2020-12-01 | 72 days | 1,754 sqft |
| 2021-01-01 | 83 days | 1,743 sqft |
| 2021-02-01 | 63 days | 1,728 sqft |
| 2021-03-01 | 53 days | 1,709 sqft |
| 2021-04-01 | 47 days | 1,729 sqft |
| 2021-05-01 | 36 days | 1,791 sqft |
| 2021-06-01 | 40 days | 1,755 sqft |
| 2021-07-01 | 40 days | 1,729 sqft |
| 2021-08-01 | 45 days | 1,702 sqft |
| 2021-09-01 | 51 days | 1,713 sqft |
| 2021-10-01 | 44 days | 1,731 sqft |
| 2021-11-01 | 51 days | 1,729 sqft |
| 2021-12-01 | 53 days | 1,702 sqft |
| 2022-01-01 | 57 days | 1,626 sqft |
| 2022-02-01 | 36 days | 1,655 sqft |
| 2022-03-01 | 35 days | 1,646 sqft |
| 2022-04-01 | 33 days | 1,722 sqft |
| 2022-05-01 | 36 days | 1,732 sqft |
| 2022-06-01 | 37 days | 1,714 sqft |
| 2022-07-01 | 39 days | 1,693 sqft |
| 2022-08-01 | 46 days | 1,711 sqft |
| 2022-09-01 | 58 days | 1,690 sqft |
| 2022-10-01 | 65 days | 1,680 sqft |
| 2022-11-01 | 64 days | 1,709 sqft |
| 2022-12-01 | 73 days | 1,712 sqft |
| 2023-01-01 | 82 days | 1,707 sqft |
| 2023-02-01 | 81 days | 1,709 sqft |
| 2023-03-01 | 72 days | 1,676 sqft |
| 2023-04-01 | 59 days | 1,674 sqft |
| 2023-05-01 | 43 days | 1,670 sqft |
| 2023-06-01 | 46 days | 1,668 sqft |
| 2023-07-01 | 51 days | 1,653 sqft |
| 2023-08-01 | 50 days | 1,669 sqft |
| 2023-09-01 | 51 days | 1,658 sqft |
| 2023-10-01 | 55 days | 1,638 sqft |
| 2023-11-01 | 58 days | 1,674 sqft |
| 2023-12-01 | 68 days | 1,671 sqft |
| 2024-01-01 | 78 days | 1,654 sqft |
| 2024-02-01 | 78 days | 1,631 sqft |
| 2024-03-01 | 61 days | 1,654 sqft |
| 2024-04-01 | 48 days | 1,673 sqft |
| 2024-05-01 | 44 days | 1,719 sqft |
| 2024-06-01 | 53 days | 1,700 sqft |
| 2024-07-01 | 61 days | 1,694 sqft |
| 2024-08-01 | 65 days | 1,643 sqft |
| 2024-09-01 | 68 days | 1,636 sqft |
| 2024-10-01 | 67 days | 1,619 sqft |
| 2024-11-01 | 67 days | 1,631 sqft |
| 2024-12-01 | 79 days | 1,633 sqft |
| 2025-01-01 | 88 days | 1,640 sqft |
| 2025-02-01 | 78 days | 1,622 sqft |
| 2025-03-01 | 0 days | 1,632 sqft |
CHICO's median listing age (time on market) for 2025-03-01 was 0 days.
This
is -100%
shorter
than the same period one year ago.
CHICO's median square footage for active listings during the 2025-03-01 period was 1,632 sqft. One year prior, the average listing was 1,654 sqft.
CHICO's median square footage for active listings during the 2025-03-01 period was 1,632 sqft. One year prior, the average listing was 1,654 sqft.
CHICO, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,718 | $600,230,000 | $349,377 |
| Refi | 333 | $140,035,000 | $420,526 |
| Cash Out Refi | 308 | $69,040,000 | $224,156 |
| Other | 262 | $28,330,000 | $108,130 |
| Home Improvement | 198 | $23,030,000 | $116,313 |
| NA | 2 | $340,000 | $170,000 |
Chico's most frequently cited loan purpose was Home Purchase, with 1,718 originations. The 2nd most popular reason was Refi, with 333 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,156 | $398,100,000 | $344,377 |
| Over 8% | 605 | $75,195,000 | $124,289 |
| 7-8% | 502 | $176,370,000 | $351,335 |
| 5-6% | 417 | $185,585,000 | $445,048 |
| <2.5% | 83 | $6,595,000 | $79,458 |
| 4-5% | 39 | $14,045,000 | $360,128 |
| 3-4% | 4 | $750,000 | $187,500 |
| 2.5-3% | 4 | $910,000 | $227,500 |
During 2024, Chico's most frequently originated rate bucket was 6-7%, with 1,156 originations.
Loan Sizing (CHICO, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,205 | $360,835,000 | $299,448 |
| $100,000 or less | 515 | $26,375,000 | $51,214 |
| $100k-200k | 493 | $70,825,000 | $143,661 |
| $400k-600k | 480 | $223,990,000 | $466,646 |
| $600k-1000k | 106 | $76,100,000 | $717,925 |
| $Over $1MM | 22 | $102,880,000 | $4,676,364 |
CHICO's loan sizing saw the bucket of loans from $200k-400k with 1,205 originations, totaling $360,835,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,043 | $385,625,000 | $369,727 |
| 60-80% | 600 | $232,380,000 | $387,300 |
| Under 20% | 472 | $26,660,000 | $56,483 |
| 20-40% | 324 | $49,900,000 | $154,012 |
| 40-60% | 295 | $137,455,000 | $465,949 |
| Over 100% | 38 | $13,790,000 | $362,895 |
CHICO's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,043 originations, totaling $385,625,000 in origination value.