# Tri Counties Bank

> **Canonical URL:** https://saferate.com/lenders/tri-counties-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Tri Counties Bank is a bank, headquartered in Chico, CA, with 192 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 35% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 55% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300W0YBCUV18HSR42
- **Headquarters:** Chico, CA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CA
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 65/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.126%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $730
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 192
- **Dollar Volume:** $65 million
- **Applications Received:** 295
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $340,729
- **Average Borrower Income:** $131,359
- **Average Property Value:** $515,625

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 52/100 | 184 | +0.125% | $722 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 139 loans, Score: 51/100 (Sound)
- Refinance: 45 loans, Score: 42/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 49/100 | 145 | $52M | +0.122% | Sound ☺️ |
| Refinance | 39/100 | 47 | $13M | +0.135% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 192 | 0.07% | 69/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 45 | 46/100 |
| Chico, CA | CA | 23 | 67/100 |
| Fresno, CA | CA | 22 | 56/100 |
| Redding, CA | CA | 21 | 63/100 |
| Sacramento | CA | 19 | 52/100 |
| Modesto, CA | CA | 17 | 58/100 |
| Bakersfield | CA | 11 | 46/100 |

## Where This Lender Ranks

Tri Counties Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Redding, CA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Chico, CA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/chico-ca/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in Chico, CA
  - [View Full Rankings](https://saferate.com/chico-ca/best-mortgage-lenders)
- 🏆 **#5** in Fresno, CA Banks
  - [View Full Rankings](https://saferate.com/fresno-ca/best-mortgage-lenders/banks)
- 🏆 **#5** in Redding, CA
  - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders)
- 🏆 **#6** in Fresno, CA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/fresno-ca/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#8** in Modesto, CA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/modesto-ca/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#13** in Chico, CA for Conventional Loans
  - [View Full Rankings](https://saferate.com/chico-ca/best-mortgage-lenders/conventional-loans)
- 🏆 **#13** in Redding, CA for Conventional Loans
  - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Tri Counties Bank offer?

Tri Counties Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Tri Counties Bank offer mortgages?

Tri Counties Bank offers mortgages in 1 states: CA.

### How competitive are Tri Counties Bank's mortgage rates?

Tri Counties Bank has a pricing score of 65/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.126% above market average.

### What type of lender is Tri Counties Bank?

Tri Counties Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Chico, CA.

### What is Tri Counties Bank's loan approval success rate?

Tri Counties Bank has a pull-through score of 45/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/tri-counties-bank

### How to Cite

> "Tri Counties Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/tri-counties-bank

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