Applications / Mortgage Analytics / Lenders / California / Tri Counties Bank
Chico, CA · State non-member bank · FDIC · $9.8 billion assets · 1,317 loans in 2025
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1,317
loans originated, 2025
2,454
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Tri Counties Bank is a California bank of smaller loans, many for purposes other than purchase or refinance, whose lending grew 27% in 2025, faster than more than eight in ten similar lenders.
Loans for other purposes were 35.2% of its lending and home improvement 17.8%, with home purchases 28.5% and refinances 18.5%. All its loans were conventional. Its typical loan, $135,000 against $195,000 at similar lenders (state non-member banks making between half and twice as many loans), was smaller than at more than eight in ten.
Originations rose 27% to 1,317, against 10% for similar lenders and the whole market. Its share in Fresno rose 1.2 points to 1.4%, where it ranked 13 of 409. Volume is still below the 2,383 loans of 2021.
LMI (low- and moderate-income) borrowers took 37.3% of its loans, against 27.6%, and LMI areas 23.9%, against 14.8%, higher than at about nine in ten peers. Majority-minority areas took 32.0%, against 7.4%. Its smaller loans and its California markets are possible reasons.
It ranked 3 of 255 lenders in Chico, where it has lent since before 1990, with 5.1% of the market, 0.5 points lower than in 2024, behind United Wholesale Mortgage and Newrez. Competition from national lenders, which hold the first two places, may be one reason; a shift of its lending toward other markets such as Fresno may be another.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Tri Counties Bank took 2,454 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 35.2% · Purchase 28.5% · Refinance 18.5% · Home improvement 17.8%
Conventional 100.0% · of 1,317 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 1,311 | 99.5% |
| Oregon | 4 | 0.3% |
| Nevada | 2 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Redding | 204 |
| Chico | 193 |
| Fresno | 144 |
| Sacramento-Roseville-Folsom | 134 |
| San Francisco-San Mateo-Redwood City | 60 |
| Yuba City | 54 |
| Bakersfield-Delano | 47 |
| Oakland-Fremont-Berkeley | 39 |
| Modesto | 30 |
| San Jose-Sunnyvale-Santa Clara | 28 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300W0YBCUV18HSR42 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 100562 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 321943 | 1990–2017 |
Established 11 March 1975. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Tri Counties Bank's data.
Tri Counties Bank's data
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Tri Counties Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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