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Mortgage Lenders and Brokers in Chico, California

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Chico, California mortgage lenders include Tri Counties BankTri Counties Bank63 Constitution Dr, Chico, CA 95973A+5.0 ★Texas Ratio: 5.34%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA850 East Ave, Chico, CA 95926A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.2385 Esplanade, Chico, CA 95926A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA2485 Notre Dame Blvd, Chico, CA 95928A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA801 East Ave, Chico, CA 95926A+5.0 ★Texas Ratio: 4.14%, BMO Harris Bank NABMO Harris Bank NA1540 Esplanade, Chico, CA 95926A+5.0 ★Texas Ratio: 3.54%, Mechanics BankMechanics Bank2041 Forest Ave, Chico, CA 95928A+5.0 ★Texas Ratio: 1.81%, Columbia BankColumbia Bank2025 Pillsbury Rd, Chico, CA 95926A+5.0 ★Texas Ratio: 2.28%, Banner BankBanner Bank2485 Notre Dame Blvd, Chico, CA 95928A+5.0 ★Texas Ratio: 2.91%, and Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Chico, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Chico are listed first, then lenders elsewhere in California, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Chico, California

Market share is the lender's share of all home loans closed in Chico, California. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
Tri Counties Bank 5 offices in Chico 63 Constitution Dr, Chico, CA 95973 A+5.0 ★Texas Ratio: 5.34%	Conventional, Jumbo, HELOC	24 +66 HELOCs	2.1%	89.3%	$250,833	View
JPMorgan Chase Bank, NA 2 offices in Chico 850 East Ave, Chico, CA 95926 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	13 +4 HELOCs	1.2%	86.7%	$470,384	View
US Bank, N.A. 2 offices in Chico 2385 Esplanade, Chico, CA 95926 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	11 +17 HELOCs	1%	50%	$455,000	View
Wells Fargo Bank NA 2 offices in Chico 2485 Notre Dame Blvd, Chico, CA 95928 A+5.0 ★Texas Ratio: 5.36%	Conventional	6	0.5%	85.7%	$220,000	View
Bank of America NA 2 offices in Chico 801 East Ave, Chico, CA 95926 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	3 +35 HELOCs	0.3%	75%	$605,000	View
BMO Harris Bank NA 1 office in Chico 1540 Esplanade, Chico, CA 95926 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	3 +3 HELOCs	0.3%	100%	$365,000	View
Mechanics Bank 2 offices in Chico 2041 Forest Ave, Chico, CA 95928 A+5.0 ★Texas Ratio: 1.81%	Conventional, HELOC	2 +3 HELOCs	0.2%	100%	$520,000	View
Columbia Bank 1 office in Chico 2025 Pillsbury Rd, Chico, CA 95926 A+5.0 ★Texas Ratio: 2.28%	Conventional, HELOC	1 +7 HELOCs	0.1%	100%	$305,000	View
Banner Bank 1 office in Chico 2485 Notre Dame Blvd, Chico, CA 95928 A+5.0 ★Texas Ratio: 2.91%	HELOC	0 +5 HELOCs	0%	0%		View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, VA	41	3.7%	95.5%	$355,000	View
Sierra Central Credit Union 352 E 1st St, Chico, CA 95928 5402 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	17 +35 HELOCs	1.5%	94.4%	$135,000	View
The Golden 1 Credit Union 239 W 2nd St Ste 1, Chico, CA 95928 A+5.0 ★Texas Ratio: 5.50%	Conventional, HELOC	12 +35 HELOCs	1.1%	80%	$352,500	View
Members 1St Credit Union 550 Salem St, Chico, CA 95928 5795	Conventional	9	0.8%	81.8%	$135,000	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional, HELOC	7 +8 HELOCs	0.6%	100%	$327,857	View
Pacific Service Credit Union 840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59%	Conventional	3	0.3%	75%	$88,333	View
Patelco Credit Union 2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65%	Conventional, HELOC	2 +2 HELOCs	0.2%	100%	$385,000	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional, HELOC	2 +2 HELOCs	0.2%	100%	$215,000	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, FHA	2	0.2%	66.7%	$445,000	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	2	0.2%	100%	$65,000	View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	Conventional, HELOC	1 +5 HELOCs	0.1%	100%	$395,000	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$495,000	View
Keypoint Credit Union 10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00%	Conventional	1	0.1%	100%	$675,000	View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	Conventional	1	0.1%	100%	$625,000	View
California Coast Credit Union 386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25%	Conventional	1	0.1%	100%	$35,000	View
San Francisco Fire Credit Union 3201 California St, San Francisco, CA 94118 1903 A+5.0 ★Texas Ratio: 3.32%	Conventional	1	0.1%	100%	$535,000	View
Los Angeles Police FCU 1880 Academy Dr, Los Angeles, CA 90012 1001 A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0.1%	100%	$25,000	View
Bay Federal Credit Union 48 Rancho Del Mar, Aptos, CA 95003 A+5.0 ★Texas Ratio: 1.88%	Conventional	1	0.1%	100%	$285,000	View
Farmers & Merchants Bank of Ce 785 Oak Grove Rd, Concord, CA 94518 A+5.0 ★Texas Ratio: 0.87%	Conventional	1	0.1%	100%	$355,000	View
Eagle Community Credit Union 2310A E Lincoln Ave, Anaheim, CA 92806 4109 A+5.0 ★Texas Ratio: 3.63%	Conventional	1	0.1%	100%	$25,000	View
1st UNITED CREDIT UNION 2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28%	Conventional	1	0.1%	100%	$45,000	View
First Northern Bank of Dixon 390 Elm Ave, Auburn, CA 95603 A+5.0 ★Texas Ratio: 2.69%	Conventional	1	0.1%	100%	$255,000	View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	Conventional	1	0.1%	100%	$235,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +3 HELOCs	0%	n/a		View
Orange County'S FCU 2390 E Orangewood Ave Ste 106, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 4.43%	HELOC	0 +1 HELOCs	0%	n/a		View
Educational Employees Credit Union 1660 Herndon Ave Ste 101, Clovis, CA 93611 A+5.0 ★Texas Ratio: 0.58%	HELOC	0 +1 HELOCs	0%	n/a		View
Chevron Federal Credit Union 9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12%	HELOC	0 +1 HELOCs	0%	n/a		View
Provident Credit Union 2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49%	HELOC	0 +1 HELOCs	0%	n/a		View
SAFE Credit Union 7887 Walerga Rd, Antelope, CA 95843 A+5.0 ★Texas Ratio: 3.24%	HELOC	0 +1 HELOCs	0%	n/a		View
Fremont Bank 200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11%	HELOC	0 +1 HELOCs	0%	n/a		View
Kind Lending, LLC	Conventional, FHA, VA	33	2.9%	80.5%	$345,303
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	28	2.5%	90.3%	$366,785
Guild Mortgage Company	Conventional, FHA, VA, Jumbo	25	2.2%	100%	$317,800
Mason-McDuffie Mortgage Corporation	Conventional, FHA	15	1.3%	100%	$340,333
loanDepot.com LLC	Conventional, FHA, VA, HELOC	11 +1 HELOCs	1%	84.6%	$284,090
Paramount Residential Mortgage	Conventional, FHA	9	0.8%	100%	$316,111
Sierra Pacific Mortgage Co. Inc	Conventional, FHA, HELOC	8 +1 HELOCs	0.7%	88.9%	$436,250
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional	7	0.6%	100%	$266,428	View
New American Funding, LLC.	Conventional, FHA, HELOC	6 +1 HELOCs	0.5%	100%	$376,666
AdvantageFirst Lending Inc	Conventional, FHA, VA	5	0.4%	100%	$389,000
American Pacific Mortgage Corporation	Conventional	5	0.4%	100%	$373,000
General Mortgage Capital Corporation	Conventional, Jumbo	4	0.4%	100%	$447,500
Infinity Equity Group, Inc.	Conventional, VA	3	0.3%	100%	$471,666
AmWest Funding Corp	Conventional	3	0.3%	100%	$425,000
Summit Funding.Inc	Conventional, FHA	3	0.3%	100%	$288,333
Carrington Mortgage Services LLC	Conventional, VA	3	0.3%	71.4%	$378,333
Cornerstone First Mortgage, LLC	Conventional	2	0.2%	100%	$455,000
Alameda Mortgage Corporation	Conventional	2	0.2%	100%	$375,000
MortgageOne, Inc	FHA	2	0.2%	100%	$370,000
American Financial Network, Inc.	Conventional, VA	2	0.2%	100%	$335,000
Land Home Financial Services,	Conventional	2	0.2%	100%	$320,000
Lendsure Mortgage Corp.	Conventional	2	0.2%	100%	$355,000
SnapFi, Inc.	Conventional	2	0.2%	100%	$220,000
Nmsi, Inc.	Conventional	2	0.2%	100%	$435,000
Plaza Home Mortgage, Inc	Conventional, VA	2	0.2%	66.7%	$280,000
Goodleap, LLC	FHA, HELOC	1 +1 HELOCs	0.1%	100%	$375,000
Resicentral LLC	Conventional	1	0.1%	100%	$335,000
Royal Pacific Funding	FHA	1	0.1%	100%	$515,000
Flexpoint, Inc.	Conventional	1	0.1%	100%	$275,000
American Internet Mortgage, Inc.	Conventional	1	0.1%	100%	$165,000
Generations Home Loans, LLC	Conventional	1	0.1%	100%	$375,000
Provident Funding Associates	Conventional	1	0.1%	100%	$485,000
Franklin Loan Corporation	VA	1	0.1%	100%	$565,000
Mission Loans, LLC	Conventional	1	0.1%	100%	$505,000
Ardri LLC	Conventional	1	0.1%	100%	$385,000
Banc One Mortage Corporation	Conventional	1	0.1%	100%	$405,000
Nexera Holding LLC	Conventional	1	0.1%	100%	$255,000
Figure Lending LLC	HELOC	0 +12 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +4 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	159 +8 HELOCs	14.2%	90.4%	$412,672
Newrez LLC	Conventional, FHA, VA, Jumbo	101	9%	93.5%	$334,108
Rocket Mortgage	Conventional, FHA, VA, Jumbo	85	7.6%	84.9%	$282,529
Fairway Independent Mort Corp	Conventional, FHA, VA	64	5.7%	98.5%	$384,687
DHI Mortgage Company, LTD.	Conventional, FHA	40	3.6%	95.2%	$425,750
Guaranteed Rate, Inc.	Conventional, FHA, VA, HELOC	31 +2 HELOCs	2.8%	96.9%	$369,193
The Loan Store, Inc	Conventional, VA, HELOC	30 +3 HELOCs	2.7%	100%	$445,000
Movement Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	23 +5 HELOCs	2.1%	100%	$367,608
Nationstar Mortgage	Conventional, FHA, VA	17	1.5%	75%	$260,882
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, USDA, HELOC	16 +1 HELOCs	1.4%	100%	$409,375	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA, VA	16	1.4%	100%	$318,750	View
Premier Mortgage Resources, LLC	Conventional, FHA	14	1.3%	100%	$418,571
Mortgage Research Center	VA	9	0.8%	76.9%	$372,777
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	8	0.7%	42.1%	$386,250
Freedom Mortgage Corporation	Conventional, FHA, VA	7	0.6%	88.9%	$357,857
CrossCountry Mortgage, LLC	Conventional, FHA	7	0.6%	100%	$330,714
Spring Eq, LLC	Conventional, HELOC	6 +4 HELOCs	0.5%	46.7%	$93,333
Better Mortgage Corporation	Conventional, VA, HELOC	6 +2 HELOCs	0.5%	100%	$490,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	5	0.4%	100%	$471,000	View
Equity Prime Mortgage LLC	Conventional, FHA, VA	5	0.4%	83.3%	$333,000
Amerisave Mortgage Company	Conventional	5	0.4%	33.3%	$203,000
Discover Bank	Conventional	5	0.4%	37.5%	$91,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	5	0.4%	83.3%	$551,000	View
21St Mortgage	Conventional	5	0.4%	35.7%	$67,000
Alliant Credit Union	Conventional, Jumbo, HELOC	3 +9 HELOCs	0.3%	100%	$698,333
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	3 +4 HELOCs	0.3%	50%	$428,333
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	3 +2 HELOCs	0.3%	75%	$65,000	View
Everett Financial, Inc.	Conventional, HELOC	3 +1 HELOCs	0.3%	100%	$451,666
Sage Home Loans Corporation	Conventional	3	0.3%	100%	$358,333
Triad Financial Services, Inc.	Conventional	3	0.3%	63.6%	$121,666
Credit Human Federal Credit Un	Conventional	3	0.3%	45.5%	$58,333
First Colony Mortgage Corporat	Conventional	3	0.3%	100%	$308,333
Ark-La-Tex Financial Services LLC	Conventional, FHA	3	0.3%	100%	$305,000
HomeBridge Financial Services, Inc	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$260,000
Union Home Mortgage Corp.	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$360,000
American Financial Resources LLC	Conventional	2	0.2%	100%	$280,000
Primary Residential Mortgage, INC.	Conventional	2	0.2%	100%	$440,000
Canopy Mortgage, LLC	Conventional	2	0.2%	100%	$445,000
NOVA Financial & Investment Corporation	Conventional	2	0.2%	100%	$185,000
Planet Home Lending, LLC	Conventional, FHA	2	0.2%	50%	$220,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	Conventional, VA	2	0.2%	100%	$315,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	2	0.2%	100%	$410,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	2	0.2%	100%	$375,000	View
Champions Funding, LLC	Conventional, Jumbo	2	0.2%	100%	$725,000
Lower, LLC	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$105,000
Arc Home LLC	Conventional, Jumbo	1	0.1%	100%	$875,000
Old National Bank A+5.0 ★Texas Ratio: 4.98%	Conventional	1	0.1%	100%	$425,000	View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional	1	0.1%	100%	$395,000	View
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	VA	1	0.1%	100%	$565,000	View
PHH Mortgage Corporation	Conventional	1	0.1%	100%	$315,000
United Federal Credit Union	Conventional	1	0.1%	100%	$385,000
Advancial Federal Credit Union	Conventional	1	0.1%	100%	$135,000
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0.1%	100%	$415,000	View
Filo Mortgage, LLC	Conventional	1	0.1%	100%	$455,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	50%	$485,000	View
Nqm Funding, LLC	Conventional	1	0.1%	100%	$505,000
AAFMAA Mortgage Services LLC	VA	1	0.1%	100%	$305,000
Peak Residential Lending Inc	Conventional	1	0.1%	100%	$405,000
Click n' Close, Inc.	FHA	1	0.1%	100%	$355,000
Kwik Mortgage Corporation	Conventional	1	0.1%	100%	$535,000
Churchill Mortgage Corporation	Conventional	1	0.1%	100%	$395,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.1%	100%	$495,000	View
Castle & Cooke Mortgage, LLC	Conventional	1	0.1%	100%	$485,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	1	0.1%	100%	$305,000	View
V.I.P. Mortgage, Inc.	Conventional	1	0.1%	100%	$215,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	100%	$355,000
Agwest Farm Credit, Flca	Conventional	1	0.1%	100%	$585,000
Mutual of Omaha Mortgage	Conventional	1	0.1%	50%	$105,000
Nationwide Mortgage Bankers, Inc.	Conventional	1	0.1%	100%	$385,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	1	0.1%	100%	$1,165,000	View
Leaderone Financial Corp.	Conventional	1	0.1%	100%	$175,000
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$265,000
Village Capital & Investment	FHA	1	0.1%	50%	$515,000
Flyhomes Mortgage LLC	Conventional	1	0.1%	100%	$335,000
Valon Mortgage	HELOC	0 +3 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +3 HELOCs	0%	n/a		View
Pentagon Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
HomeStreet Bank	HELOC	0 +1 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	100%
Connexus Credit Union	HELOC	0 +1 HELOCs	0%	n/a
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +1 HELOCs	0%	n/a		View
Digital Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
WSFS bank A+5.0 ★Texas Ratio: 3.10%	HELOC	0 +1 HELOCs	0%	n/a		View
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	HELOC	0 +1 HELOCs	0%	n/a		View
First Technology Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Chico Mortgage Rate Trends

Daily average mortgage rates for California compared with the national average, updated every evening.

30-Year Fixed CA Avg

7.345%

▲ 0.089 vs 7 days ago

15-Year Fixed CA Avg

6.901%

▲ 0.040 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Chico, California

Looking for mortgage lenders near me or mortgage brokers near me in Chico? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Chico in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Chico, CA

Use these to narrow the list above. Each category shows how many Chico, CA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 96 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 36 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 33 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 35 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 30 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 16 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 68 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Chico, CA

Independent mortgage companies closed 83.6 percent of home loans in Chico, California in 2025, banks 10 percent and credit unions 6.4 percent. Change Lending was the largest mortgage company, Tri Counties Bank the largest bank and Sierra Central Credit Union the largest credit union. Among lenders headquartered in California, Tri Counties Bank led with 24 loans.

83.6%

Mortgage companies

10%

Banks

6.4%

Credit unions

11%

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in California. County documentary transfer tax of $1.10 per $1,000 (0.11 percent), with many cities adding their own transfer tax (for example San Francisco and Los Angeles at much higher rates); no mortgage recording tax.

More California Mortgage Lender Pages

All California lenders 861 lenders Los Angeles 480 lenders San Diego 411 lenders San Jose 294 lenders Fresno 260 lenders San Francisco 277 lenders Sacramento 300 lenders Bakersfield 258 lenders Menifee 239 lenders Long Beach 284 lenders Oakland 265 lenders Santa Clarita 265 lenders Stockton 212 lenders

Frequently Asked Questions About Mortgage Lenders in Chico, CA

Who is the largest mortgage lender in Chico, CA?

By home loans closed in 2025, Tri Counties Bank was the largest mortgage lender in Chico, California with 24 loans, about 2.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Chico, CA have the highest approval rates?

Among lenders with meaningful volume in Chico, California, Fairway Independent Mort Corp approved the highest share of completed applications in 2025 at 98.5 percent, against a 86.8 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Chico, CA mortgage lenders offer FHA, VA and USDA loans?

35 lenders closed FHA loans in Chico, California in 2025, led by DHI Mortgage Company, LTD. with 20. 30 lenders closed VA loans, led by United Wholesale Mortgage, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Chico, CA lender list?

Yes. 36 banks and 33 credit unions closed home loans in Chico, California in 2025, alongside 96 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Chico, CA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Chico, California during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Chico, California for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Chico. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.