Lender in California · HMDA 2025
Tri Counties Bank mortgages in California
Tri Counties Bank's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Tri Counties Bank originated 271 owner-occupied single-family loans in California from 343 completed applications.
Its median conventional purchase loan costs were $5,320 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.625% (California: 6.625%).
Loans in CA
271
of 343 applications
Denial rate
11.2%
Purchase · CA 8.9%
Rate spread
+0.14 pts
Conv. · CA +0.09 pts
Loan amount
$295,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 260 | 225 | 11.2% | 6.625% | +0.14 pts | $5,320 | $295,000 |
| Refinance | 39 | 23 | 30.8% | — | +0.03 pts | $4,070 | $825,000 |
| Cash-out refinance | 44 | 23 | 40.9% | 6.625% | +0.18 pts | $3,640 | $205,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where Tri Counties Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Colusa County | 7 | 6 | 4.0% |
| Humboldt County | 9 | 13 | 1.5% |
| Butte County | 12 | 39 | 2.0% |
| Siskiyou County | 12 | 7 | 1.9% |
| Del Norte County | 13 | 3 | 1.7% |
| Trinity County | 15 | 2 | 2.4% |
| Shasta County | 16 | 28 | 1.4% |
| Modoc County | 17 | 1 | 2.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology