Tri Counties Bank in California vs the state
29.6%Denial rate+12.13 pts vs state
34.3%Decision denial rate+11.92 pts vs state
53.7%Origination rate-2.54 pts vs state
6.13%Median rate-0.50 pts vs state
-0.19Rate spread (pts)-0.46 pts vs state
$98kMedian applicant income
1,311Loans originated
722Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,087 | 1,048 | 31.8% | 8.75% | #75 |
| 2024 | 1,932 | 1,036 | 27.9% | 9.13% | #88 |
| 2025 | 2,443 | 1,311 | 29.6% | 6.13% | #84 |
What Tri Counties Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Tri Counties Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shasta County | 382 | 204 | 119 | 31.2% |
| Butte County | 334 | 193 | 92 | 27.5% |
| Fresno County | 157 | 121 | 25 | 15.9% |
| Sacramento County | 119 | 50 | 40 | 33.6% |
| Placer County | 109 | 63 | 23 | 21.1% |
| Nevada County | 109 | 65 | 34 | 31.2% |
| Siskiyou County | 99 | 60 | 21 | 21.2% |
| Kern County | 94 | 47 | 32 | 34.0% |
| Humboldt County | 87 | 46 | 28 | 32.2% |
| Sutter County | 79 | 38 | 32 | 40.5% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 2,443 applications in 2025, of which 1,311 were originated and 722 denied.
29.6% of all applications, or 34.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Tri Counties Bank originated in California in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Tri Counties Bank's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology