Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Butte County, California
Every institution that decided a 1–4 unit mortgage application in Butte County, home to Chico, between 2023 and 2025: 10,468 applications, 7,995 loans actually funded, across 8 kinds of borrowing.
Butte County at a glance
10,468Applications decided
2023–2025
7,995Loans funded
76% of decisions
54Census tracts
11 ZIP codes
209,470People
ACS 2023
What the data shows
The typical purchase mortgage here is $335K.
Lending by loan type in Butte County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.3% | 5,723 | $335K | 96% | 273 |
| Home improvement loans | 58.4% | 1,114 | $75K | 91% | 80 |
| Cash-out refinance | 67.7% | 1,474 | $175K | 95% | 144 |
| Refinance | 76.7% | 1,326 | $265K | 95% | 136 |
| Investment property purchase | 84.7% | 443 | $265K | 95% | 116 |
| Investment cash-out refinance | 72.3% | 188 | $215K | 90% | 66 |
| Investment refinance | 71.3% | 122 | $245K | 90% | 57 |
| Investment home improvement | 50.0% | 78 | $135K | 100% | 28 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.