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Tri Counties Bank

Bank•Chico, CAHQ•Direct•Reviews near you on Google

Tri Counties Bank has 192 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
Conventional
Place
Sound
3/5
Single State · 6 mkts

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees

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Report Card

Tri Counties Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+12.6 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Single State · 7 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume184
Mix95.8%
Spread
+0.125%Above
Fees
$722Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume145
Mix75.5%
Spread
+0.122%Above
Fees
$769Fees
Refinance
Overall
Sound
Product
Acceptable
Pricing
Strong
Pull Through
Acceptable
Volume47
Mix24.5%
Spread
+0.135%Above
Fees
$636Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
192
Applications
295
Volume
$65 million
Pricing & Closing
Avg Rate Spread
+0.126%
vs. market APOR
Avg Net Fees
$730
Origination − Credits
Pullthrough Rate
65.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$340,729
Avg Borrower Income
$131,359
Avg Property Value
$515,625

Geographic Coverage

Geographic Performance

Metro Areas
6
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

1
1 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
West1
CA

Top Metro Areas by Place Specialization Score

1© Suzi Rosenberg · CC BY 2.0
Chico, CAMetro
Volume 23Mix 11.98% of portfolio
67/100
Strong
2© inderwadhwa · CC BY-SA 3.0
Redding, CAMetro
Volume 21Mix 10.94% of portfolio
63/100
Strong
3© peter boy12qq12 · CC BY 3.0
Modesto, CAMetro
Volume 17Mix 8.85% of portfolio
58/100
Sound
4© Ken Lund from Reno, Nevada, USA · CC BY-SA 2.0
Fresno, CAMetro
Volume 22Mix 11.46% of portfolio
56/100
Sound
5© Quintin Soloviev · CC BY 4.0
Sacramento, CAMetro
Volume 19Mix 9.90% of portfolio
52/100
Sound
6© Bobak Ha'Eri · CC BY 3.0
Bakersfield, CAMetro
Volume 11Mix 5.73% of portfolio
46/100
Sound

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 192Mix 100.00% of portfolio
69/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.