Tri Counties Bank mortgage approval rate & lending review
Tri Counties Bank decided 2,572 mortgage applications and funded 1,713 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Tri Counties Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Tri Counties Bank at a glance
Approval is 4.3 points below the 75.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 87% | 741 / 855 | 96% | $205K | 711 |
| Home improvement loans | 60% | 522 / 869 | 93% | $105K | 485 |
| Cash-out refinance | 66% | 109 / 164 | 94% | $175K | 103 |
| Refinance | 67% | 321 / 478 | 92% | $145K | 294 |
| Investment property purchase | 78% | 82 / 105 | 90% | $435K | 74 |
| Investment cash-out refinance | 48% | 16 / 33 | 94% | $195K | 15 |
| Investment refinance | 45% | 17 / 38 | 100% | $445K | 17 |
| Investment home improvement | 47% | 14 / 30 | 100% | $255K | 14 |
Tri Counties Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 71% | $175K | 2,559 | 1,703 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Tri Counties Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Butte County, CA | Mortgage lenders | 91% | 147 | 129 |
| Shasta County, CA | Home improvement loans | 65% | 207 | 123 |
| Fresno County, CA | Mortgage lenders | 95% | 130 | 120 |
| Butte County, CA | Home improvement loans | 62% | 159 | 92 |
| Shasta County, CA | Mortgage lenders | 83% | 105 | 82 |
| Butte County, CA | Refinance | 76% | 89 | 64 |
| Shasta County, CA | Refinance | 75% | 91 | 59 |
| Santa Clara County, CA | Mortgage lenders | 88% | 66 | 55 |
| Sacramento County, CA | Home improvement loans | 56% | 78 | 42 |
| Humboldt County, CA | Mortgage lenders | 84% | 50 | 41 |
| Nevada County, CA | Home improvement loans | 54% | 70 | 37 |
| Placer County, CA | Home improvement loans | 68% | 53 | 33 |
The county markets where Tri Counties Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Tri Counties Bank
What is Tri Counties Bank's mortgage approval rate?
Tri Counties Bank approved 70.8% of the 2,572 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.3 points below the 75.1% national rate for the same mix of loan types.
How often do borrowers take the loan Tri Counties Bank offers?
Borrowers accepted 94% of the loans Tri Counties Bank approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Tri Counties Bank make?
The typical home improvement loan loan Tri Counties Bank made was $105K; across all loan types its typical loan ran from $105K to $445K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Tri Counties Bank lend?
Tri Counties Bank decided applications in 4 of the states Fat Boy Data covers, most of them in California, Nevada and Oregon.
Can I apply to Tri Counties Bank directly?
Yes. Tri Counties Bank is a bank or credit union with 77 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Tri Counties Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Tri Counties Bank treats applications, then get a rate quote from the lender.