CHICO Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Chico averaged 3.23% for the week of 2021-12-02, compared to the national average of 3.11% for the same period.

The average rate for the prior week (2021-11-24) was 3.42% and one month ago for the week of 2021-10-28, the average rate was 3.46%.

Chico's average rate one year ago was 2.94%.

For refis of the same type during the week of 2021-12-02, the average rate was 3.02%.

Loan Type Date Rate
US 30 Year Fixed Rate 2021-12-02 3.11%
Chico 30 Year Fixed Rate 2021-12-02 3.23%
Chico 30 Year Fixed Rate Refi 2021-12-02 3.02%
Chico 15 Year Fixed Rate 2021-12-02 2.61%
Chico 15 Year Fixed Rate Refi 2021-12-02 2.62%
Chico 30 Year FHA 2021-12-02 3.36%
Chico 30 Year FHA Refi 2021-12-02 3.39%
Chico 30 Year USDA 2021-12-02 3.41%
Chico 30 Year USDA Refi 2021-12-02 3.63%
Chico 30 Year VA 2021-12-02 2.93%
Chico 30 Year VA Refi 2021-12-02 2.75%
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 lendor, 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 2020 Avg. 30yFix Rate 2020 Avg. Total Fees
SUMMIT FUNDING, INC. 706 3.29% $4,337
CALIBER HOME LOANS, INC. 618 3.26% $4,004
QUICKEN LOANS, LLC 438 3.27% $4,758
UNITED WHOLESALE MORTGAGE, LLC 358 3.02% $4,541
Commerce Home Mortgage, Inc. 354 3.23% $4,954
HOMEBRIDGE FINANCIAL SERVICES, INC. 167 3.30% $4,988
Tri Counties Bank 148 3.42% $2,911
MOVEMENT MORTGAGE, LLC 116 3.33% $6,087
Paramount Residential Mortgage Group, Inc. 114 3.35% $4,954
LOANDEPOT.COM, LLC 101 3.34% $4,480
PREMIER MORTGAGE RESOURCES, L.L.C. 97 3.26% $6,351
Wells Fargo Bank, National Association 94 3.57% $3,265
FINANCE OF AMERICA MORTGAGE LLC 90 3.30% $4,216
HOME POINT FINANCIAL CORPORATION 88 3.40% $3,730
GUILD MORTGAGE COMPANY 85 3.23% $5,048
FREEDOM MORTGAGE CORPORATION 66 3.48% $3,054
Sierra Central Credit Union 64 3.41% $4,854
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 49 3.26% $4,226
Fremont Bank 48 3.47% $975
PENNYMAC LOAN SERVICES, LLC 46 3.40% $5,285
NATIONSTAR MORTGAGE LLC 45 3.53% $6,056
JPMorgan Chase Bank, National Association 44 3.46% $3,801
U.S. Bank National Association 44 3.57% $3,967
AMERICAN PACIFIC MORTGAGE CORPORATION 43 3.31% $4,220
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 43 3.62% $4,866
Hometown Lenders, Inc. 42 3.27% $3,932
Umpqua Bank 42 3.33% $4,113
AMERISAVE MORTGAGE CORPORATION 38 3.02% $4,233
LOANPAL, LLC 38 3.51% $4,993
BETTER MORTGAGE CORPORATION 38 3.06% $3,561
NEWREZ LLC 37 3.27% $4,039
Flagstar Bank, FSB 36 3.37% $4,072
PROVIDENT FUNDING ASSOCIATES, L.P. 35 3.28% $3,121
KELLER MORTGAGE, LLC 30 3.11% $2,992
Bank of America, National Association 29 3.49% $4,855
BROKER SOLUTIONS, INC. 25 3.32% $3,732
THE GOLDEN 1 25 3.42% $3,676
MUTUAL OF OMAHA MORTGAGE, INC. 23 3.15% $3,343
STEARNS LENDING, LLC 23 3.39% $4,338
CROSSCOUNTRY MORTGAGE, LLC 22 3.34% $5,111
NETWORK CAPITAL FUNDING CORPORATION 21 3.54% $5,253
Sierra Pacific Mortgage Company, Inc. 20 3.14% $3,471
CORNERSTONE HOME LENDING, INC. 20 3.17% $5,888
Strong Home Mortgage, LLC 18 3.12% $1,281
LAND HOME FINANCIAL SERVICES, INC. 17 3.40% $4,444
Watermark Capital, Inc. 15 2.88% $2,800
PRIMELENDING, A PLAINSCAPITAL COMPANY 14 3.49% $5,595
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 13 3.25% $5,480
LADERA LENDING, INC. 13 3.32% $4,427
PACIFIC SERVICE 12 3.17% $3,403
SUN WEST MORTGAGE COMPANY, INC. 11 3.23% $2,147
Stifel Bank and Trust 11 3.03% $2,298
USAA Federal Savings Bank 11 3.58% $5,478
WINNPOINTE CORPORATION 10 3.00% $196
Mechanics Bank 10 3.63% $3,141
CHERRY CREEK MORTGAGE, LLC 9 3.00% $756
FirstBank 9 3.11% $1,829
SCHOOLSFIRST 9 3.40% $2,897
Bank of the West 9 3.57% $3,999
NMSI, INC. 8 4.84% $8,322
Carrington Mortgage Services, LLC 8 5.09% $7,254
Provident Credit Union 8 3.03% $2,946
Kwik Mortgage Corporation 7 2.88% $2,064
Cf Bank, National Association 7 3.09% $1,196
S1L, Inc. 7 3.02% $3,490
MASON MCDUFFIE MORTGAGE CORPORATION 7 3.00% $4,487
MEMBER FIRST MORTGAGE, LLC 7 3.29% $3,781
MOUNTAIN WEST FINANCIAL, INC. 7 3.35% $5,335
MUFG Union Bank, National Association 7 3.93% $4,769
AMERICAN INTERNET MORTGAGE, INC. 7 3.14% $2,490
BBVA USA 7 3.59% $5,475
Golden Empire Mortgage, Inc. 6 2.92% $1,743
NBKC BANK 6 3.10% $1,761
ACADEMY MORTGAGE CORPORATION 6 3.17% $5,937
CMG MORTGAGE, INC. 6 3.02% $4,523
PATELCO 6 3.44% $2,569
MEGA CAPITAL FUNDING, INC. 6 3.19% $5,401
AMERICAN FINANCIAL NETWORK, INC. 6 3.27% $3,762
GUARANTEED RATE AFFINITY, LLC 6 3.10% $4,552
PARKSIDE LENDING, LLC 6 3.58% $4,030
IMPAC MORTGAGE CORP. 6 3.23% $936
GUARANTEED RATE, INC. 5 3.40% $3,137
PHH Mortgage Corporation 5 3.70% $4,805
EVERETT FINANCIAL, INC. 5 3.40% $1,791
THRIVE MORTGAGE, LLC 5 3.38% $4,288
ALAMEDA MORTGAGE CORPORATION 5 3.30% $3,803
HOMESIDE FINANCIAL, LLC 5 3.35% $4,638
InterContinental Capital Group, Inc 5 3.00% $6,692
Arvest Bank 5 3.20% $4,542
NFM, INC. 5 3.18% $3,982
WESTCOAST MORTGAGE GROUP AND REALTY COMPANY 4 2.81% $2,941
First Bank 4 3.06% $5,931
Firefighters First Federal Credit Union 4 3.09% $2,314
DRAPER AND KRAMER MORTGAGE CORP. 4 3.41% $3,067
Prime Choice Funding Inc. 4 3.13% $3,548
MICHIGAN MUTUAL, INC. 4 3.34% $3,887
Ally Bank 4 3.47% $5,554
PLANET HOME LENDING, LLC 4 3.28% $3,342
HOMESTEAD FUNDING CORP. 4 2.91% $3,079
Nations Lending Corporation 4 3.03% $10,692
NAVY FEDERAL CREDIT UNION 4 4.53% $4,933
North American Savings Bank, F.S.B. 4 2.69% $3,105
AMERICAN FINANCING CORPORATION 4 3.50% $5,679
Truist Bank 4 3.08% $4,214
NEW WAVE LENDING GROUP INC 4 3.13% $4,179
ZILLOW HOME LOANS, LLC 4 3.22% $4,398
Amerifirst Financial, Inc. 4 3.06% $3,587
LENDUS, LLC 4 3.22% $4,742
CHURCHILL MORTGAGE CORPORATION 3 3.29% $3,605
The Federal Savings Bank 3 3.42% $9,819
Banner Bank 3 3.25% $4,590
TOP FLITE FINANCIAL, INC. 3 3.54% $12,309
Citibank, National Association 3 3.42% $3,135
Axos Bank 3 2.91% $1,449
ST FIN CORP 3 3.25% $4,611
JMAC LENDING, INC. 3 3.29% $3,849
Charles Schwab Bank, SSB 3 2.95% $3,195
Wyndham Capital Mortgage, Inc. 3 3.21% $1,663
AmeriHome Mortgage Company, LLC 3 3.67% $3,279
SIRVA MORTGAGE, INC. 3 3.17% $1,417
PRIMARY RESIDENTIAL MORTGAGE, INC. 3 3.08% $4,149
STANFORD Federal Credit Union 3 2.96% $4,202
Pacific Lending LLC 3 3.13% $5,740
General Mortgage Capital Corporation 3 3.33% $3,211
SOFI LENDING CORP. 3 3.00% $3,573
PNC Bank, National Association 3 3.67% $4,064
OCMBC, INC. 2 3.06% $5,569
NEXERA HOLDING LLC 2 3.50% $5,415
EMM LOANS LLC 2 3.69% $5,107
Franklin Loan Corporation 2 2.94% $4,201
First Savings Bank 2 3.50% $7,950
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 2.94% $3,423
First Internet Bank of Indiana 2 3.81% $3,033
UNCLE Credit Union 2 3.25% $3,587
CALCULATED RISK ANALYTICS LLC 2 4.00% $11,335
TRI-EMERALD FINANCIAL GROUP, INC. 2 3.06% $2,229
TRAVIS CREDIT UNION 2 2.81% $3,064
FIRST CHOICE LOAN SERVICES INC. 2 4.19% $1,286
TIAA, FSB 2 3.56% $3,839
Cathay Bank 2 4.25% $3,236
Northpointe Bank 2 3.38% $2,028
HomeStreet Bank 2 3.00% $4,279
CENTRAL COAST LENDING, INC. 2 3.06% $3,201
COMMUNITY FIRST CREDIT UNION 2 2.88% $2,647
STAR ONE CREDIT UNION 2 3.63% $2,336
SPRING EQ, LLC 2 3.00% $2,133
FBC MORTGAGE, LLC 2 3.06% $2,661
San Mateo Credit Union 2 3.06% $0
LENDERFI, INC. 2 2.75% $1,255
LENOX FINANCIAL MORTGAGE CORPORATION 2 2.94% $2,364
ANGEL OAK MORTGAGE SOLUTIONS LLC 2 7.13% $9,880
ROYAL UNITED MORTGAGE LLC 2 2.75% $5,526
Equity Prime Mortgage LLC 2 3.06% $1,447
ARC HOME LLC 2 3.31% $9,910
Manufacturers and Traders Trust Company 2 3.88% $6,972
Florida Capital Bank, National Association 2 2.94% $5,428
EMBRACE HOME LOANS, INC. 2 4.12% $3,417
MERIWEST MORTGAGE COMPANY, LLC 2 3.69% $4,986
MORTGAGE 2000, INC. 2 2.75% $4,220
MORTGAGE MANAGEMENT CONSULTANTS, INC. 2 3.13% $6,235
Mortgage Research Center, LLC 2 2.81% $3,237
AXIA FINANCIAL, LLC 2 3.31% $4,669
DHI MORTGAGE COMPANY, LTD. 2 3.63% $2,615
PENTAGON FEDERAL CREDIT UNION 2 3.06% $5,684
Zions Bancorporation, N.A. 1 2.88% $2,020
5TH STREET CAPITAL, INC. 1 5.38% $11,424
A&D Mortgage LLC 1 3.13% $2,068
AMERICAN FINANCIAL RESOURCES, INC. 1 3.25% $4,851
AMERICAN FIRST 1 3.50% $3,720
Ameris Bank 1 3.63% $3,168
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 2.63% $3,028
Aurora Financial, LLC 1 3.25% $2,310
Austin Capital Bank SSB 1 3.00% $8,782
Baxter Credit Union 1 3.38% $2,796
BAY EQUITY LLC 1 2.63% $6,439
BECKAM FUNDING CORP. 1 4.13% $8,232
BELEM SERVICING LLC 1 2.50% $3,448
BNC National Bank 1 3.38% $2,616
CELEBRITY HOME LOANS, LLC 1 3.99% $4,124
CHEVRON 1 3.25% $3,193
Chickasaw Community Bank 1 2.75% $9,297
Citadel Servicing Corporation 1 7.13% $8,210
Citizens Bank, National Association 1 3.00% $5,158
COAST 2 COAST FUNDING GROUP, INC. 1 2.75% $3,844
COASTAL FUNDING SLC, INC. 1 3.13% $3,752
Cornerstone First Mortgage, Inc 1 3.00% $3,975
COUNTRY CLUB MORTGAGE, INC. 1 3.63% $3,503
DIGNIFIED HOME LOANS, LLC 1 2.75% $5,629
DIRECTORS MORTGAGE, INC. 1 2.88% $10,087
Discover Bank 1 4.99% $0
EXCITE Credit Union 1 3.00% $3,400
Financial Funding Solutions, Inc. 1 3.00% $5,492
FIRST ENTERTAINMENT 1 3.00% $6,921
First Federal Bank 1 3.25% $5,933
First Guaranty Mortgage Corporation 1 3.13% $3,771
First Mortgage Solutions, LLC 1 2.88% $2,117
FIRST TECHNOLOGY 1 2.63% $3,508
First Western Trust Bank 1 2.75% $2,710
FISHER FINANCIAL GROUP, INCORPORATED 1 3.00% $2,965
GENEVA FINANCIAL, LLC 1 3.00% $8,951
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 3.38% $1,937
GOOGAIN, INC. 1 3.13% $2,341
GoPrime Mortgage, Inc. 1 2.50% $11,853
Greenbox Loans, Inc. 1 3.00% $3,918
HighTechLending Inc 1 3.88% $4,130
Hometown Equity Mortgage, LLC 1 3.38% $4,303
INTERCAP LENDING INC. 1 4.00% $3,271
INTERNATIONAL CITY MORTGAGE, INC. 1 2.88% $3,662
JMJ FINANCIAL GROUP 1 3.63% $4,631
KBHS HOME LOANS, LLC 1 3.13% $6,594
KeyBank National Association 1 3.63% $4,044
KEYPOINT 1 3.50% $2,882
LAKEVIEW LOAN SERVICING, LLC 1 3.63% $6,120
LIBERTY HOME MORTGAGE CORPORATION 1 3.13% $8,007
LOANLEADERS OF AMERICA, INC. 1 2.75% $2,390
LOGIX FEDERAL CREDIT UNION 1 3.13% $4,525
MEGASTAR FINANCIAL CORP. 1 3.13% $2,853
MORTGAGE NOW, INC. 1 4.13% $4,657
NBH Bank 1 3.13% $2,704
NORTHROP GRUMMAN Federal Credit Union 1 3.13% $5,387
Northwest Farm Credit Services, FLCA 1 3.50% $12,946
NORWICH COMMERCIAL GROUP, INC. 1 3.00% $5,712
NP, Inc. 1 3.25% $3,191
ONY GLO, INC. 1 3.38% $3,569
Paramount Bank 1 2.88% $0
PIKE CREEK MORTGAGE SERVICES, INC. 1 2.63% $3,583
Plains Commerce Bank 1 4.38% $4,785
PLAZA HOME MORTGAGE, INC. 1 3.63% $10,930
PRIVATE MORTGAGE ADVISORS, LLC 1 3.88% $3,667
Prosperity Home Mortgage, LLC 1 3.13% $4,686
REDWOOD 1 3.38% $2,433
RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 2.75% $3,523
ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 3.88% $1,165
SAFEAMERICA CREDIT UNION 1 3.75% $3,038
SAFE CREDIT UNION 1 3.63% $2,608
SEA WEST COAST GUARD FEDERAL CREDIT UNION 1 3.19% $3,193
SKYONE Federal Credit Union 1 3.00% $2,080
SNAPFI, INC. 1 3.38% $2,545
SOVEREIGN LENDING GROUP INCORPORATED 1 3.00% $3,299
SUMMIT MORTGAGE CORPORATION 1 3.75% $4,655
THE FIRST FINANCIAL Federal Credit Union 1 4.88% $7,997
The Loan Store, Inc. 1 2.88% $2,525
Third Federal Savings and Loan Association of Cleveland 1 2.54% $295
TJC Mortgage, Inc. 1 2.88% $2,837
TOGETHER CREDIT UNION 1 3.25% $3,102
United Fidelity Funding Corp. 1 3.13% $2,060
UNITED MORTGAGE CORP. 1 2.50% $4,950
Unitus Community Credit Union 1 3.13% $4,918
Victorian Finance, LLC 1 3.63% $8,345
V.I.P. MORTGAGE, INC. 1 4.63% $6,422
VISION ONE MORTGAGE, INC. 1 3.38% $5,740
WINGS FINANCIAL 1 2.88% $3,284
1ST UNITED SERVICES CREDIT UNION 1 3.25% $2,111

CHICO, CA's 253 lenders originated 9,075 loans during 2020. The total origination value was $2,585,795,000, with an average loan value of $284,936.

The top CHICO lender as defined by loan originations is SUMMIT FUNDING, INC., with 706 loans originated. Their average total fees are $4,337, which is $333 higher than the next largest lender, CALIBER HOME LOANS, INC..

The lowest fee CHICO lenders (with over 10 loans originated) are WINNPOINTE CORPORATION ($196), Fremont Bank ($975), Strong Home Mortgage, LLC ($1,281), SUN WEST MORTGAGE COMPANY, INC. ($2,147) and Stifel Bank and Trust ($2,298).

The lowest rate CHICO lenders (with over 10 loans originated) are Watermark Capital, Inc. (2.88%), WINNPOINTE CORPORATION (3.00%), AMERISAVE MORTGAGE CORPORATION (3.02%), UNITED WHOLESALE MORTGAGE, LLC (3.02%) and Stifel Bank and Trust (3.03%).

CHICO, CA Lender 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 2019 Loan Value 2020 Loan Value % Change 2020 Market Share
Summit Funding Inc. $169,380,000 $283,175,000 67.2% 11.0%
Caliber Home Loans Inc $177,055,000 $247,290,000 39.7% 9.6%
Quicken Loans $126,700,000 $223,550,000 76.4% 8.6%
Commerce Home Mortgage Inc. $75,200,000 $158,385,000 110.6% 6.1%
United Shore Financial Services LLC $81,100,000 $150,160,000 85.2% 5.8%
TRI COUNTIES BANK $125,730,000 $122,075,000 -2.9% 4.7%
HomeBridge Financial Services, Inc. $18,445,000 $67,965,000 268.5% 2.6%
Freedom Mortgage Corporation $27,220,000 $67,520,000 148.1% 2.6%
MOVEMENT MORTGAGE, LLC $26,915,000 $50,500,000 87.6% 2.0%
Paramount Residential Mortgage Group Inc. $26,190,000 $50,500,000 92.8% 2.0%
WELLS FARGO BANK NA $47,480,000 $46,255,000 -2.6% 1.8%
loanDepot LLC $34,550,000 $39,655,000 14.8% 1.5%
Guild Mortgage Company $25,425,000 $38,060,000 49.7% 1.5%
Premier Mortgage Resources LLC $16,345,000 $38,050,000 132.8% 1.5%
Home Point Financial Corporation $14,290,000 $36,395,000 154.7% 1.4%
Finance of America Mortgage LLC $16,095,000 $34,565,000 114.8% 1.3%
US BANK, N.A. $33,090,000 $29,390,000 -11.2% 1.1%
Nationstar Mortgage $13,610,000 $27,505,000 102.1% 1.1%
PENNYMAC LOAN SERVICES LLC $15,325,000 $26,855,000 75.2% 1.0%
JPMorgan Chase Bank, NA $29,605,000 $25,220,000 -14.8% 1.0%
Umpqua Bank $22,305,000 $22,415,000 0.5% 0.9%
FAIRWAY INDEPENDENT MORT CORP $5,495,000 $21,075,000 283.5% 0.8%
Bank of America NA $32,335,000 $20,735,000 -35.9% 0.8%
Sierra Central Credit Union $16,525,000 $20,470,000 23.9% 0.8%
Better Mortgage Corporation $1,135,000 $19,615,000 1,628.2% 0.8%
Amerisave Mortgage Corporation $2,615,000 $19,550,000 647.6% 0.8%
RED MORTGAGE CAPITAL, LLC $19,510,000 n/a 0.8%
Evergreen Moneysource Mortgage Company $13,120,000 $18,830,000 43.5% 0.7%
Hometown Lenders LLC $11,565,000 $18,415,000 59.2% 0.7%
Fremont Bank $8,500,000 $17,950,000 111.2% 0.7%
NEWREZ LLC $7,145,000 $16,655,000 133.1% 0.6%
Flagstar Bank $8,720,000 $16,180,000 85.6% 0.6%
American Pacific Mortgage Corporation $9,635,000 $16,040,000 66.5% 0.6%
LoanPal $6,735,000 $14,440,000 114.4% 0.6%
WALKER & DUNLOP, LLC $3,885,000 $14,360,000 269.6% 0.6%
The Golden 1 Credit Union $13,125,000 $13,065,000 -0.5% 0.5%
Capital One, NA $2,925,000 $12,475,000 326.5% 0.5%
Provident Funding Associates $12,275,000 $12,365,000 0.7% 0.5%
Keller Mortgage LLC $10,535,000 $10,990,000 4.3% 0.4%
Mortgage Research Center LLC $7,830,000 $10,440,000 33.3% 0.4%
Stearns Lending $3,795,000 $9,900,000 160.9% 0.4%
Prudential Multifamily Mortgage, LLC. $9,580,000 n/a 0.4%
USAA FEDERAL SAVINGS BANK $8,675,000 $9,310,000 7.3% 0.4%
New American Funding (dba for Broker Solutions Inc) $5,235,000 $9,195,000 75.6% 0.4%
CBRE Multifamily Capital, Inc. $8,705,000 n/a 0.3%
CORNERSTONE HOME LENDING, INC. $3,905,000 $8,100,000 107.4% 0.3%
Sierra Pacific Mortgage $8,345,000 $8,050,000 -3.5% 0.3%
Mechanics Bank $7,955,000 $8,040,000 1.1% 0.3%
Stifel Bank and Trust $2,390,000 $7,210,000 201.7% 0.3%
COMPASS BANK $5,030,000 $7,180,000 42.7% 0.3%
BANK OF THE WEST $5,975,000 $7,150,000 19.7% 0.3%
TIAA, FSB $1,835,000 $7,125,000 288.3% 0.3%
Synergy One Lending $3,370,000 $6,900,000 104.7% 0.3%
Lakeview Loan Servicing, LLC $2,970,000 $6,630,000 123.2% 0.3%
Cardinal Financial Company LP $2,850,000 $6,405,000 124.7% 0.2%
American Financial Network Inc. $3,815,000 $6,125,000 60.6% 0.2%
Watermark Home Loans $1,990,000 $6,055,000 204.3% 0.2%
Banner Bank $2,360,000 $6,040,000 155.9% 0.2%
Pacific Service Credit Union $4,125,000 $5,840,000 41.6% 0.2%
Network Capital Funding Corporation $1,315,000 $5,405,000 311.0% 0.2%
Land Home Financial Services Inc. $4,365,000 $5,390,000 23.5% 0.2%
The Federal Savings Bank $2,280,000 $5,265,000 130.9% 0.2%
North American Savings Bank $1,465,000 $5,220,000 256.3% 0.2%
Interactive Mortgage $3,650,000 $5,150,000 41.1% 0.2%
Sun West Mortgage Company Inc. $4,685,000 $5,065,000 8.1% 0.2%
Ladera Lending, Inc. $1,020,000 $4,960,000 386.3% 0.2%
Village Capital & Investment $435,000 $4,945,000 1,036.8% 0.2%
PRIMELENDING $4,805,000 $4,740,000 -1.4% 0.2%
AimLoan.com $4,355,000 $4,680,000 7.5% 0.2%
NBKC Bank $5,680,000 $4,395,000 -22.6% 0.2%
BM REAL ESTATE SERVICES, INC. $4,220,000 n/a 0.2%
AmWest Funding Corp. $1,865,000 $4,170,000 123.6% 0.2%
CARRINGTON MORTGAGE SERVICES $4,645,000 $4,095,000 -11.8% 0.2%
NAVY FEDERAL CREDIT UNION $5,440,000 $4,030,000 -25.9% 0.2%
Mountain West Financial Inc. $2,125,000 $4,025,000 89.4% 0.2%
Cherry Creek Mortgage Co. Inc. $955,000 $3,865,000 304.7% 0.1%
PHH MORTGAGE CORPORATION $565,000 $3,835,000 578.8% 0.1%
CMG Mortgage Inc. $1,405,000 $3,590,000 155.5% 0.1%
Impac Mortgage Corp. dba CashCall Mortgage $11,530,000 $3,530,000 -69.4% 0.1%
SchoolsFirst Federal Credit Union $935,000 $3,400,000 263.6% 0.1%
MUFG Union Bank, NA $1,070,000 $3,320,000 210.3% 0.1%
Members 1st Credit Union $1,825,000 $3,270,000 79.2% 0.1%
Provident Credit Union $1,540,000 $3,105,000 101.6% 0.1%
Guaranteed Rate Inc. $2,445,000 $3,085,000 26.2% 0.1%
Homeside Financial LLC $635,000 $3,050,000 380.3% 0.1%
FirstBank $3,530,000 $2,985,000 -15.4% 0.1%
Cf Bank National Association $285,000 $2,955,000 936.8% 0.1%
Clearpath Lending $1,730,000 $2,945,000 70.2% 0.1%
SoFi Lending Corp $620,000 $2,875,000 363.7% 0.1%
Nations Lending Corporation $2,245,000 $2,740,000 22.0% 0.1%
NewDay Financial LLC dba NewDay USA $2,460,000 $2,710,000 10.2% 0.1%
Intercontinental Capital Group, Inc. $1,325,000 $2,695,000 103.4% 0.1%
American Financial Resources Inc. $1,295,000 $2,625,000 102.7% 0.1%
AAG $1,050,000 $2,560,000 143.8% 0.1%
Kwik Mortgage Corp. $2,555,000 n/a 0.1%
Mason-McDuffie Mortgage Corporation $260,000 $2,495,000 859.6% 0.1%
Guaranteed Rate Affinity LLC $670,000 $2,480,000 270.1% 0.1%
Greystone Servicing Corporation, Inc. $2,405,000 n/a 0.1%
Member First Mortgage LLC $820,000 $2,400,000 192.7% 0.1%
Homestead Funding Corp. $2,355,000 n/a 0.1%
General Mortgage Capital Corporation $1,885,000 $2,325,000 23.3% 0.1%
Academy Mortgage Corporation $5,865,000 $2,300,000 -60.8% 0.1%
Patelco Credit Union $885,000 $2,300,000 159.9% 0.1%
Golden Empire Mortgage, Inc. $520,000 $2,260,000 334.6% 0.1%
NMSI Inc $2,110,000 n/a 0.1%
Firefighters First Credit Union $1,545,000 $2,075,000 34.3% 0.1%
Supreme Lending/ Everett Financial Inc. $1,970,000 $2,065,000 4.8% 0.1%
Barrington Bank & Trust $1,185,000 $2,040,000 72.2% 0.1%
Charles Schwab Bank $655,000 $2,000,000 205.3% 0.1%
ARVEST BANK $3,880,000 $1,940,000 -50.0% 0.1%
Mortgage Solutions of Colorado LLC $1,080,000 $1,870,000 73.1% 0.1%
Parkside Lending LLC $1,220,000 $1,870,000 53.3% 0.1%
Mid America Mortgage Inc. $2,845,000 $1,830,000 -35.7% 0.1%
21ST MORTGAGE $800,000 $1,805,000 125.6% 0.1%
First Savings Bank $1,475,000 $1,790,000 21.4% 0.1%
Operating Engineers Federal Credit Union $475,000 $1,785,000 275.8% 0.1%
Stanford Federal Credit Union $500,000 $1,710,000 242.0% 0.1%
Planet Home Lending LLC $1,035,000 $1,640,000 58.5% 0.1%
Michigan Mutual, Inc. DBA MiMutual Mortgage $1,530,000 $1,625,000 6.2% 0.1%
Star One Credit Union $505,000 $1,580,000 212.9% 0.1%
Thrive Mortgage LLC $1,575,000 n/a 0.1%
Prime Choice Funding, Inc. $255,000 $1,555,000 509.8% 0.1%
PNC BANK NA $865,000 $1,550,000 79.2% 0.1%
NFM, Inc. $1,545,000 n/a 0.1%
Branch Banking And Trust Co $1,495,000 n/a 0.1%
Churchill Mortgage Corporation $1,470,000 n/a 0.1%
Alliant Credit Union $1,395,000 $1,465,000 5.0% 0.1%
First Choice Loan Services Inc. $2,275,000 $1,460,000 -35.8% 0.1%
Magnolia Bank Incorporated $1,400,000 n/a 0.1%
Alameda Mortgage Corporation $675,000 $1,380,000 104.4% 0.1%
FBC Mortgage LLC $1,310,000 $1,360,000 3.8% 0.1%
Florida Capital Bank National Association $530,000 $1,285,000 142.5% 0.0%
LendUS LLC dba RPM Mortgage $755,000 $1,280,000 69.5% 0.0%
Draper and Kramer Mortgage Corp. $370,000 $1,270,000 243.2% 0.0%
WEI Mortgage LLC $235,000 $1,260,000 436.2% 0.0%
SPRING EQ, LLC $235,000 $1,255,000 434.0% 0.0%
BANC OF CALIFORNIA, NA $1,655,000 $1,215,000 -26.6% 0.0%
NEW WAVE LENDING GROUP INC $1,200,000 n/a 0.0%
Embrace Home Loans, Inc. $1,675,000 $1,180,000 -29.6% 0.0%
JMAC Lending Incorporated $900,000 $1,180,000 31.1% 0.0%
Pentagon Federal Credit Union $290,000 $1,165,000 301.7% 0.0%
Primary Residential Mortgage Inc. $470,000 $1,165,000 147.9% 0.0%
SAFE Credit Union $925,000 $1,160,000 25.4% 0.0%
Nations Reliable Lending, LLC $375,000 $1,155,000 208.0% 0.0%
LenderFi, Inc. $550,000 $1,150,000 109.1% 0.0%
Axos Bank $4,450,000 $1,140,000 -74.4% 0.0%
Mortgage Lenders of America LLC $285,000 $1,135,000 298.2% 0.0%
Plaza Home Mortgage Inc. $2,325,000 $1,125,000 -51.6% 0.0%
Star Financial $1,120,000 n/a 0.0%
Finance of America Reverse LLC $660,000 $1,115,000 68.9% 0.0%
HighTechLending Inc. $340,000 $1,085,000 219.1% 0.0%
AmeriHomeMortgageCompany,LL $1,605,000 $1,080,000 -32.7% 0.0%
Third Federal Savings and Loan $745,000 $1,075,000 44.3% 0.0%
Nations Direct Mortgage LLC $1,070,000 n/a 0.0%
Calculated Risk Analytics LLC dba Excelerate Capital $580,000 $1,050,000 81.0% 0.0%
First Guaranty Mortgage Corporation $265,000 $1,050,000 296.2% 0.0%
Wyndham Capital Mortgage $1,320,000 $1,045,000 -20.8% 0.0%
Amerifirst Financial Inc. $275,000 $1,040,000 278.2% 0.0%
Mortgage Management Consultants, Inc. $1,040,000 n/a 0.0%
Nexera Holding LLC $620,000 $1,015,000 63.7% 0.0%
Dignified Home Loans, LLC $775,000 $1,010,000 30.3% 0.0%
American Financing Corporation $555,000 $995,000 79.3% 0.0%
TCF National Bank $2,595,000 $970,000 -62.6% 0.0%
Sirva Mortgage Inc. $965,000 n/a 0.0%
Equity Prime Mortgage LLC $155,000 $960,000 519.4% 0.0%
Northpointe Bank $955,000 n/a 0.0%
Travis Credit Union $145,000 $950,000 555.2% 0.0%
Tri-Emerald Financial Group Inc. $245,000 $895,000 265.3% 0.0%
BNC NATIONAL BANK $840,000 n/a 0.0%
Citibank, N.A. $1,240,000 $840,000 -32.3% 0.0%
top flite financial, inc. $450,000 $825,000 83.3% 0.0%
OGI Mortgage Bankers $1,855,000 $780,000 -58.0% 0.0%
First Entertainment Credit Union $775,000 n/a 0.0%
HomeStreet Bank $23,000,000 $765,000 -96.7% 0.0%
Reverse Mortgage Funding LLC $450,000 $760,000 68.9% 0.0%
UNCLE Credit Union $730,000 n/a 0.0%
American Neighborhood Mortgage dba AnnieMac Home Mortgage $225,000 $720,000 220.0% 0.0%
AMERIS BANK $720,000 n/a 0.0%
METROPOLITAN HOME MORTGAGE $370,000 $720,000 94.6% 0.0%
Homeowners Financial Group $1,625,000 $715,000 -56.0% 0.0%
Low VA Rates $310,000 $710,000 129.0% 0.0%
LendingOne LLC $700,000 n/a 0.0%
OCMBC Inc. $265,000 $695,000 162.3% 0.0%
Franklin Loan Center $690,000 n/a 0.0%
Augusta Financial Inc. $685,000 n/a 0.0%
KeyBank National Association $685,000 n/a 0.0%
Quorum Federal Credit Union $65,000 $685,000 953.8% 0.0%
First Internet Bank $255,000 $680,000 166.7% 0.0%
Geneva Financial LLC $670,000 n/a 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC $415,000 $665,000 60.2% 0.0%
Country Club Mortgage, Inc. $640,000 n/a 0.0%
CATHAY BANK $630,000 n/a 0.0%
US Mortgage of Florida $630,000 n/a 0.0%
Lenox Financial Mortgage Corp. $620,000 n/a 0.0%
M&T Bank $745,000 $610,000 -18.1% 0.0%
Northrop Grumman Federal Credit Union $595,000 n/a 0.0%
Northwest Farm Credit Services, FLCA $2,360,000 $595,000 -74.8% 0.0%
KBHS Home Loans, LLC $590,000 n/a 0.0%
Midwest Equity Mortgage LLC $630,000 $590,000 -6.3% 0.0%
Norwich Commercial Group Inc $475,000 $590,000 24.2% 0.0%
Ethos Lending LLC $580,000 n/a 0.0%
Discover Bank $1,330,000 $575,000 -56.8% 0.0%
RANLife, Inc. $500,000 $575,000 15.0% 0.0%
Val-Chris Investments Inc $575,000 n/a 0.0%
DHI Mortgage Company Limited $7,290,000 $550,000 -92.5% 0.0%
Connexus Credit Union $545,000 n/a 0.0%
First Technology Credit Union $510,000 $540,000 5.9% 0.0%
Peoples Mortgage Company $425,000 $540,000 27.1% 0.0%
United Mortgage Corp $740,000 $535,000 -27.7% 0.0%
Meriwest Mortgage Co. LLC $530,000 n/a 0.0%
Community First Credit Union $520,000 n/a 0.0%
CBNA $570,000 $515,000 -9.6% 0.0%
JMJ Financial Group Inc. $610,000 $515,000 -15.6% 0.0%
Veritas Funding LLC $515,000 n/a 0.0%
Angel Oak Mortgage Solutions $780,000 $510,000 -34.6% 0.0%
AUSTIN CAPITAL BANK SSB $135,000 $495,000 266.7% 0.0%
Ark-La-Tex Financial Services LLC $490,000 n/a 0.0%
Choice Lending Corp. $485,000 n/a 0.0%
Servion, Inc. $480,000 n/a 0.0%
Axia Financial LLC $320,000 $470,000 46.9% 0.0%
BANK OF STOCKTON $455,000 n/a 0.0%
Directors Mortgage, Inc. $455,000 n/a 0.0%
Mortgage 2000 Inc. $620,000 $440,000 -29.0% 0.0%
The First Financial Federal Credit Union $255,000 $440,000 72.5% 0.0%
San Mateo Credit Union $145,000 $430,000 196.6% 0.0%
Best Capital Funding $295,000 $425,000 44.1% 0.0%
Drop Mortgage $425,000 n/a 0.0%
Financial Partners Credit Union $350,000 $425,000 21.4% 0.0%
Aurora Financial $305,000 $415,000 36.1% 0.0%
E Mortgage Management LLC $175,000 $415,000 137.1% 0.0%
Liberty Home Equity Solutions, Inc. $2,300,000 $410,000 -82.2% 0.0%
KeyPoint Credit Union $405,000 n/a 0.0%
LeaderOne Financial Corp. $405,000 n/a 0.0%
Prime Mortgage Lending Inc. $405,000 n/a 0.0%
Lakeview Community Capital, LLC $400,000 n/a 0.0%
Wings Financial Credit Union $485,000 $400,000 -17.5% 0.0%
Private Mortgage Advisors, LLC $395,000 n/a 0.0%
Sovereign Lending Group, Inc $2,265,000 $395,000 -82.6% 0.0%
Credit Human Federal Credit Union $280,000 $390,000 39.3% 0.0%
Gold Star Mortgage Financial Group, Corporation $725,000 $390,000 -46.2% 0.0%
A&D Mortgage LLC $385,000 n/a 0.0%
KD Capital Mortgage Corp. $670,000 $385,000 -42.5% 0.0%
Bank 2 $355,000 $375,000 5.6% 0.0%
Bay Equity LLC $460,000 $375,000 -18.5% 0.0%
Open Mortgage LLC $385,000 $375,000 -2.6% 0.0%
Unitus Community Credit Union $375,000 n/a 0.0%
Waterstone Mortgage Corp $375,000 n/a 0.0%
Paramount Bank $370,000 n/a 0.0%
Beckham Funding Corp $365,000 n/a 0.0%
American First Credit Union $355,000 n/a 0.0%
NationsChoice Mortgage $905,000 $355,000 -60.8% 0.0%
NBH Bank $355,000 $355,000 0.0% 0.0%
MLD Mortgage Inc. $345,000 n/a 0.0%
Anheuser Busch Employees Credit Union $335,000 n/a 0.0%
Coastal Funding SLC Inc. $335,000 n/a 0.0%
Hometown Equity Mortgage LLC $285,000 $335,000 17.5% 0.0%
TJC Mortgage, Inc. $305,000 $335,000 9.8% 0.0%
Alaska USA Federal Credit Union $315,000 n/a 0.0%
Pike Creek Mortgage Services, Inc. $315,000 n/a 0.0%
5th Street Capital, Inc. $305,000 n/a 0.0%
American Home Lending USA LLC $305,000 n/a 0.0%
Caltech Employees Federal Credit Union $305,000 n/a 0.0%
Financail Funding Solutions, Inc $305,000 n/a 0.0%
HomePromise Corporation $295,000 $305,000 3.4% 0.0%
Victorian Finance, LLC $305,000 n/a 0.0%
Essex Mortgage $300,000 n/a 0.0%
Logix Federal Credit Union $300,000 n/a 0.0%
AKT American Capital Inc $1,370,000 $295,000 -78.5% 0.0%
Baxter Credit Union $295,000 n/a 0.0%
Equity Wave Lending Inc. $295,000 n/a 0.0%
Googain Inc. $580,000 $295,000 -49.1% 0.0%
Justice Federal Credit Union $295,000 n/a 0.0%
Vision One Mortgage $375,000 $295,000 -21.3% 0.0%
Credit Union of Southern California $285,000 n/a 0.0%
HomeTrust Bank $285,000 n/a 0.0%
Megastar Financial Corporation $945,000 $285,000 -69.8% 0.0%
Sea West Coast Guard Federal Credit Union $215,000 $285,000 32.6% 0.0%
All Reverse Mortgage Inc $185,000 $275,000 48.6% 0.0%
Evolve Bank & Trust $275,000 n/a 0.0%
First Mortgage Solutions LLC $185,000 $275,000 48.6% 0.0%
Intercap Lending Inc $205,000 $275,000 34.1% 0.0%
International City Mortgage Inc. $275,000 n/a 0.0%
Lantzman Lending $275,000 n/a 0.0%
LoanSnap Inc $780,000 $275,000 -64.7% 0.0%
Prosperity Home Mortgage LLC $275,000 n/a 0.0%
Redwood Credit Union $640,000 $275,000 -57.0% 0.0%
Chevron Federal Credit Union $610,000 $270,000 -55.7% 0.0%
Farmers Bank & Trust $265,000 n/a 0.0%
Semper Home Loans, Inc $265,000 n/a 0.0%
Royal United Mortgage LLC $365,000 $260,000 -28.8% 0.0%
Goldwater Bank National Association $255,000 n/a 0.0%
Geo-Corp, Inc. $245,000 n/a 0.0%
Lending 3 Inc $245,000 n/a 0.0%
Absolute Home Mortgage Corporation $235,000 n/a 0.0%
Coast 2 Coast Funding Group Inc. $235,000 n/a 0.0%
First Western Trust Bank $235,000 n/a 0.0%
Safeamerica Credit Union $235,000 n/a 0.0%
United Fidelity Funding Corp. $325,000 $235,000 -27.7% 0.0%
Finance of America Commercial LLC $225,000 n/a 0.0%
PremierOne Credit Union $55,000 $225,000 309.1% 0.0%
Self-Help Credit Union $225,000 n/a 0.0%
Cstone Mortgage Inc $195,000 n/a 0.0%
Liberty Home Mortgage Corp $195,000 n/a 0.0%
Alliance Credit Union $185,000 n/a 0.0%
Premier Lending Inc. $185,000 n/a 0.0%
R M K FINANCIAL CORP $185,000 n/a 0.0%
Skyone Federal Credit Union $185,000 n/a 0.0%
Bayshore Mortgage Funding LLC $295,000 $175,000 -40.7% 0.0%
Citadel Servicing Corporation $175,000 n/a 0.0%
Merchants Bank of Indiana $175,000 n/a 0.0%
SnapFi, Inc. $175,000 n/a 0.0%
Residential Wholesale Mortgage $165,000 n/a 0.0%
Triad Financial Services Inc $300,000 $160,000 -46.7% 0.0%
Belem Servicing, LLC dba Patriot Home Mortgage $155,000 n/a 0.0%
First Home Bank $155,000 n/a 0.0%
Plains Commerce Bank $155,000 n/a 0.0%
State Farm Bank $945,000 $155,000 -83.6% 0.0%
UIF Corporation $155,000 n/a 0.0%
Greenbox Loans Inc. $940,000 $145,000 -84.6% 0.0%
1st United Services Credit Union $25,000 $135,000 440.0% 0.0%
V.I.P. Mortgage Inc. $135,000 n/a 0.0%
Mortgage Express $125,000 n/a 0.0%
Summit Mortgage Corporation $125,000 n/a 0.0%
ZB, N.A. $115,000 n/a 0.0%
California Credit Union $65,000 $105,000 61.5% 0.0%
San Francisco Fire Credit Union $670,000 $95,000 -85.8% 0.0%
Great Lakes Credit Union $35,000 $55,000 57.1% 0.0%
KINECTA FEDERAL CREDIT UNION $55,000 n/a 0.0%
LBS Financial Credit Union $55,000 n/a 0.0%
State Department Federal Credit Union $55,000 n/a 0.0%
Technology Credit Union $55,000 n/a 0.0%
COMERICA BANK $45,000 n/a 0.0%
Los Angeles Police Federal Credit Union $485,000 $35,000 -92.8% 0.0%
Meriwest Credit Union $25,000 n/a 0.0%

CHICO's top lender by overall market share is Summit Funding Inc., with 11.0% market share. In second place, with 9.6%, is Caliber Home Loans Inc, having originated $247,290,000 in loans. In third place, with 8.6%, is Quicken Loans, having originated $223,550,000 in loans. In third place, with 6.1%, is Commerce Home Mortgage Inc., having originated $158,385,000 in loans. In third place, with 5.8%, is United Shore Financial Services LLC, having originated $150,160,000 in loans.


CHICO, CA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 4,136 $1,178,410,000 $284,915
Home Purchase 2,618 $825,460,000 $315,302
Cash Out Refi 1,893 $524,105,000 $276,865
Home Improvement 218 $26,510,000 $121,606
Other 209 $30,985,000 $148,254
NA 1 $325,000 $325,000

Chico's most frequently cited loan purpose was Refi, with 4,136 originations. The 2nd most popular reason was Home Purchase, with 2,618 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 4,294 $1,225,250,000 $285,340
2.5-3% 3,222 $964,190,000 $299,252
<2.5% 689 $183,275,000 $266,001
4-5% 619 $162,675,000 $262,803
5-6% 134 $20,740,000 $154,776
6-7% 48 $6,670,000 $138,958
Over 8% 28 $2,960,000 $105,714
7-8% 18 $1,740,000 $96,667

During 2020, Chico's most frequently originated rate bucket was 3-4%, with 4,294 originations.

Loan Sizing (CHICO, CA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 5,311 $1,520,615,000 $286,314
$100k-200k 1,990 $313,410,000 $157,492
$400k-600k 1,174 $540,340,000 $460,256
$100,000 or less 492 $28,030,000 $56,972
$600k-1000k 83 $60,485,000 $728,735
$Over $1MM 25 $122,915,000 $4,916,600

CHICO's loan sizing saw the bucket of loans from $200k-400k with 5,311 originations, totaling $1,520,615,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 3,332 $1,072,510,000 $321,882
80-100% 2,306 $718,380,000 $311,526
40-60% 1,996 $549,910,000 $275,506
20-40% 705 $115,395,000 $163,681
Under 20% 367 $21,925,000 $59,741
Over 100% 57 $20,795,000 $364,825

CHICO's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 3,332 originations, totaling $1,072,510,000 in origination value.