Mortgage lending in Chico, CA

3,409 mortgages were originated in the Chico, CA area in 2025, and here is what they cost.

Loans originated

3,409

Median rate

6.625%

Median lender fees

$6,038

Median loan amount

$265,000

Median spread over APOR

0.353

Paid discount points

42.9%

Received lender credits

24.5%

Purchases / refinances

56% / 28.5%

Conventional / FHA / VA

76.4% / 16% / 7.2%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 72.2% of loans here — see methodology.

Who lent here

Lenders with at least 50 loans in the Chico, CA area, ranked by volume.