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 5.95% for the week of 2024-10-03, compared to the national average of 6.12% for the same period.

The average rate for the prior week (2024-09-26) was 5.81% and one month ago for the week of 2024-08-29, the average rate was 6.48%.

Chico's average rate one year ago was 7.44%.

For refis of the same type during the week of 2024-10-03, the average rate was 6.54%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-10-03 6.12%
Chico 30 Year Fixed Rate 2024-10-03 5.95%
Chico 30 Year Fixed Rate Refi 2024-10-03 6.54%
Chico 15 Year Fixed Rate 2024-10-03 5.35%
Chico 15 Year Fixed Rate Refi 2024-10-03 5.85%
Chico 30 Year FHA 2024-10-03 5.59%
Chico 30 Year FHA Refi 2024-10-03 6.09%
Chico 30 Year USDA 2024-10-03 5.97%
Chico 30 Year USDA Refi 2024-10-03 6.07%
Chico 30 Year VA 2024-10-03 5.41%
Chico 30 Year VA Refi 2024-10-03 5.7%
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.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 180 6.63% $9,895
UNITED WHOLESALE MORTGAGE, LLC 114 6.72% $7,340
MASON MCDUFFIE MORTGAGE CORPORATION 84 6.69% $6,970
QUICKEN LOANS, LLC 76 6.66% $6,384
CALIBER HOME LOANS, INC. 52 6.50% $6,988
NEWREZ LLC 41 7.38% $7,269
Tri Counties Bank 31 6.86% $4,551
GUILD MORTGAGE COMPANY 26 6.81% $8,375
PREMIER MORTGAGE RESOURCES, L.L.C. 21 6.54% $9,672
CMG MORTGAGE, INC. 21 6.74% $7,721
Commerce Home Mortgage, Inc. 20 7.26% $7,909
MOVEMENT MORTGAGE, LLC 19 6.70% $11,153
Sierra Central Credit Union 19 6.12% $3,667
DHI MORTGAGE COMPANY, LTD. 19 5.99% $3,845
HOMEBRIDGE FINANCIAL SERVICES, INC. 14 6.32% $11,241
JPMorgan Chase Bank 14 6.59% $6,923
U.S. Bank 13 6.61% $5,765
LOANDEPOT.COM, LLC 11 6.25% $8,124
Paramount Residential Mortgage Group, Inc. 10 6.72% $6,264
Wells Fargo Bank 10 6.30% $7,205
AMERICAN PACIFIC MORTGAGE CORPORATION 9 6.93% $9,136
CROSSCOUNTRY MORTGAGE, LLC 8 6.87% $10,806
Flagstar Bank, FSB 7 7.29% $4,583
Sierra Pacific Mortgage Company, Inc. 6 7.27% $9,635
Century Mortgage Company DBA Century Lending Company 6 7.23% $6,458
Bank of America 5 6.38% $5,141
Mr. Cooper ( Nationstar Mortgage ) 5 6.62% $6,342
Plains Commerce Bank 5 7.08% $6,382
BROKER SOLUTIONS, INC. 5 6.84% $6,024
Morgan Stanley Private Bank 5 6.05% $3,407
The Loan Store, Inc. 5 6.53% $5,904
AMERISAVE MORTGAGE CORPORATION 5 6.09% $4,535
ARK-LA-TEX FINANCIAL SERVICES, LLC. 4 6.75% $5,250
PRIMELENDING, A PLAINSCAPITAL COMPANY 4 6.65% $8,457
SCHOOLSFIRST 4 6.56% $2,689
CORNERSTONE HOME LENDING, INC. 3 6.63% $9,881
THE GOLDEN 1 3 6.58% $5,543
PENNYMAC LOAN SERVICES, LLC 3 6.83% $10,076
CARDINAL FINANCIAL 3 6.45% $7,029
SAFE CREDIT UNION 3 6.29% $4,425
BETTER MORTGAGE CORPORATION 3 6.21% $3,769
PATELCO 3 6.46% $17,364
AmeriHome Mortgage Company, LLC 3 6.08% $5,372
LADERA LENDING, INC. 2 6.75% $6,753
University Bank 2 6.87% $5,730
USAA Federal Savings Bank 2 6.13% $8,676
VANDERBILT MORTGAGE AND FINANCE, INC. 2 6.99% $5,654
LAND HOME FINANCIAL SERVICES, INC. 2 7.94% $5,401
ZILLOW HOME LOANS, LLC 2 6.88% $11,877
BMO Harris Bank 2 6.38% $5,943
LOANPAL, LLC 2 5.75% $7,840
Banner Bank 2 6.44% $7,772
Platinum Home Mortgage Corporation 2 6.75% $9,818
FIRST TECHNOLOGY 2 7.56% $4,395
AMERICAN FINANCIAL NETWORK, INC. 2 6.00% $5,235
Citizens Bank 2 6.94% $4,292
PROVIDENT FUNDING ASSOCIATES, L.P. 2 6.19% $5,666
ONY GLO, INC. 2 6.62% $8,051
GUARANTEED RATE, INC. 2 6.59% $5,533
FIRST COMMUNITY MORTGAGE, INC. 2 7.50% $4,838
ROYAL UNITED MORTGAGE LLC 2 6.81% $8,280
S1L, Inc. 2 6.37% $10,131
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 2 6.25% $6,654
PACIFIC RESIDENTIAL MORTGAGE, LLC 2 6.81% $8,168
NBKC BANK 2 7.38% $3,954
INFINITY EQUITY GROUP, INC. 2 6.31% $6,965
SUN WEST MORTGAGE COMPANY, INC. 2 7.10% $2,382
ENVOY MORTGAGE, LTD 2 6.00% $11,512
Barrington Bank & Trust Company, N.A. 2 7.25% $6,468
Truist 2 6.00% $8,777
American Mortgage & Equity Consultants, Inc. 2 7.44% $10,447
Umpqua Bank 2 7.25% $10,179
NFM, INC. 1 6.50% $5,869
ACADEMY MORTGAGE CORPORATION 1 6.50% $13,499
A&D Mortgage LLC 1 8.25% $14,275
ALLIANT CREDIT UNION 1 7.25% $3,954
Ally Bank 1 7.25% $2,515
AXIA FINANCIAL, LLC 1 7.99% $9,081
BAY EQUITY LLC 1 7.13% $4,706
BNC National Bank 1 5.88% $3,663
CALTECH EMPLOYEES FEDERAL CREDIT UNION 1 8.25% $3,385
CANOPY MORTGAGE, LLC 1 7.38% $17,870
CENTRAL COAST LENDING, INC. 1 6.38% $8,088
CHEVRON 1 6.00% $4,758
CITY FIRST MORTGAGE SERVICES, L.L.C. 1 7.63% $5,744
COASTAL FUNDING SLC, INC. 1 7.50% $7,184
COMMUNITY MORTGAGE FUNDING, LLC 1 6.38% $2,921
Constant Investments, Inc. 1 7.38% $6,632
Cornerstone First Mortgage, Inc 1 7.62% $4,856
DAS Acquisition Company, LLC 1 6.38% $4,185
DIGNIFIED HOME LOANS, LLC 1 6.00% $9,062
DIRECTIONS EQUITY, LLC 1 6.50% $12,628
Educational Employees Credit Union 1 5.88% $1,975
EVERETT FINANCIAL, INC. 1 6.25% $14,870
Financial Partners Credit Union 1 6.00% $4,216
FIRST COMMUNITY 1 7.00% $3,477
First United Bank and Trust Company 1 7.88% $5,096
Franklin Loan Corporation 1 6.75% $4,414
FREEDOM MORTGAGE CORPORATION 1 5.88% $9,169
Fremont Bank 1 6.88% $495
General Mortgage Capital Corporation 1 7.62% $4,667
GUIDANCE RESIDENTIAL, LLC 1 6.88% $5,440
HOMEXPRESS MORTGAGE CORP. 1 8.50% $10,443
iCore Lending, Inc. 1 9.88% $12,652
KeyBank 1 6.63% $5,784
KEYPOINT 1 8.13% $5,768
LENDSURE MORTGAGE CORP. 1 9.88% $15,245
LOGIX FEDERAL CREDIT UNION 1 6.63% $4,043
MANN FINANCIAL INC. 1 8.63% $10,245
Mechanics Bank 1 6.50% $2,990
MEGASTAR FINANCIAL CORP. 1 6.63% $7,145
MEMBERS 1ST CREDIT UNION 1 6.00% $1,420
MICHIGAN MUTUAL, INC. 1 6.99% $3,834
MUTUAL OF OMAHA MORTGAGE, INC. 1 7.25% $3,889
NATIONWIDE MORTGAGE BANKERS, INC. 1 7.88% $4,561
NAVY FEDERAL CREDIT UNION 1 7.50% $14,035
NEXERA HOLDING LLC 1 10.00% $18,149
21ST MORTGAGE CORPORATION 1 9.76% $6,078
Northpointe Bank 1 5.63% $2,300
Northwest Farm Credit Services, FLCA 1 6.95% $5,911
OCMBC, INC. 1 9.88% $13,177
Operating Engineers Local Union #3 1 7.00% $3,942
PHH Mortgage Corporation 1 7.63% $5,767
PLANET HOME LENDING, LLC 1 7.50% $4,224
PLAZA HOME MORTGAGE, INC. 1 9.88% $4,086
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.75% $3,870
Prosperity Home Mortgage, LLC 1 6.50% $5,653
Provident Credit Union 1 6.25% $2,888
Quontic Bank 1 8.88% $9,549
REDWOOD 1 6.25% $3,615
RESIDENTIAL BANCORP 1 6.00% $16,101
SCENIC OAKS FUNDING, INC. 1 7.50% $7,675
Stifel Bank and Trust 1 6.25% $3,272
Strong Home Mortgage, LLC 1 5.99% $2,767
SUN AMERICAN MORTGAGE COMPANY 1 7.00% $5,277
TEACHERS 1 5.50% $6,155
TRISTAR FINANCE, INC. 1 6.63% $4,416
UBS Bank USA 1 7.00% $4,536
UNITED 1 6.63% $3,894
Willamette Valley Bank 1 5.88% $14,467

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 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%) $409,710 (16.5%) 1.15 470
2018-04-01 $324,950 (12.4%) $390,656 (5.7%) 1.10 520
2018-05-01 $329,625 (12.6%) $394,542 (4.6%) 1.10 588
2018-06-01 $319,000 (9.6%) $383,183 (4.3%) 1.06 628
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 (12.3%) $427,475 (8.4%) 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 $389,000 (11.3%) $456,687 (7.9%) 1.14 321
2020-12-01 $399,000 (13.4%) $459,476 (6.4%) 1.19 266
2021-01-01 $399,500 (10.2%) $464,709 (4.3%) 1.19 244
2021-02-01 $421,875 (11.2%) $511,847 (16.1%) 1.23 234
2021-03-01 $417,500 (7.3%) $514,203 (13.2%) 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 (15.7%) $555,696 (21.7%) 1.20 287
2021-12-01 $449,000 (12.5%) $543,326 (18.3%) 1.22 245
2022-01-01 $442,500 (10.8%) $541,457 (16.5%) 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%) $554,507 (6.7%) 1.02 454
2024-06-01 $449,000 (4.6%) $548,352 (6.2%) 1.01 487
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%) 0.00 515
CHICO's median listing price for 2024-09-01 was $425,000, a difference of $0 (0.0%) versus the prior year and $100 versus the prior month.

CHICO's median listing price comes in at 0% of the national average.

CHICO's average listing price for 2024-09-01 was $532,535, a difference of $22,098 (4.3%) versus the prior year and $-4,596 versus the prior month.

For the 2024-09-01 period, CHICO had 515 MLS listings, a difference of -5 listings (-1%) versus the prior month and 109 listings (27%) 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 1,694 sqft
2018-04-01 39 days 1,667 sqft
2018-05-01 34 days 1,708 sqft
2018-06-01 36 days 1,681 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 1,749 sqft
2020-12-01 72 days 1,753 sqft
2021-01-01 82 days 1,736 sqft
2021-02-01 63 days 1,728 sqft
2021-03-01 54 days 1,708 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 1,655 sqft
2024-02-01 78 days 1,632 sqft
2024-03-01 61 days 1,654 sqft
2024-04-01 48 days 1,675 sqft
2024-05-01 42 days 1,729 sqft
2024-06-01 51 days 1,714 sqft
2024-07-01 61 days 1,697 sqft
2024-08-01 65 days 1,647 sqft
2024-09-01 0 days 1,636 sqft
CHICO's median listing age (time on market) for 2024-09-01 was 0 days. This is -100% shorter than the same period one year ago.

CHICO's median square footage for active listings during the 2024-09-01 period was 1,636 sqft. One year prior, the average listing was 1,658 sqft.

CHICO, CA Average Rent (2023)

Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
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.