California Lithuanian Cu Mortgage Rates, Fees & Info
SANTA MONICA, CALEI: 254900BQCLUS9C8L2863
Tax ID: 23-7017130
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
California Lithuanian Cu is a smaller mortgage company specializing in Home Purchase and Cash Out Refi loans. California Lithuanian Cu has a high proportion of conventional loans. Their top two markets are Los Angeles and Sacramento .California Lithuanian Cu has an above average approval rate when compared to the average across all lenders. They typically have about average rates.
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Originations
26Origination Dollar Volume (All Markets)
$20,650,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 23 | $19,845,000 | $862,826 | $0 | 4.72% |
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $0 | 4.63% |
Outside of Metro Areas | 1 | $315,000 | $315,000 | $0 | 4.63% |
Their top states include:
Product Mix
Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
---|---|---|---|---|---|
Conventional | 24 | $20,440,000 | $851,667 | $0 | 4.73% |
HELOC | 2 | $210,000 | $105,000 | n/a | 4.50% |
For 2018, California Lithuanian Cu's most frequently originated type of loan was Conventional, with 24 originations. Their 2nd most popular type was HELOC, with 2 originations.
Loan Reason
For 2018, California Lithuanian Cu's most frequently cited loan purpose was Home Purchase, with 11 originations. The 2nd most popular reason was Cash Out Refi, with 11 originations.
Loan Duration/Length
Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
30 Year | 24 | $20,440,000 | $851,667 | $0 | 4.73% |
15 Year | 1 | $105,000 | $105,000 | $0 | 4.50% |
20 Year | 1 | $105,000 | $105,000 | $0 | 4.50% |
For 2018, California Lithuanian Cu's most frequently cited loan duration was 30 Year, with 24 originations. The 2nd most popular length was 15 Year, with 1 originations.
Interest Rates
Loan Rate | Originations | Total Value | Average Loan |
---|---|---|---|
4-5% | 25 | $20,275,000 | $811,000 |
5-6% | 1 | $375,000 | $375,000 |
During 2018, California Lithuanian Cu's average interest rate for loans was 4.73%, while their most frequently originated rate bucket for loans was 4-5%, with 25 originations.
Loan Sizing
2018 saw California Lithuanian Cu place emphasis on $1MM+ loans with 11 originations, totaling $14,155,000 in origination value.
Applicant Income
California Lithuanian Cu lent most frequently to those with incomes in the $250k+ range, with 12 originations. The second most popular income band? $150k-250k, with 5 originations.
Applicant Debt to Income Ratio
California Lithuanian Cu lent most frequently to those with DTI ratios of 20-30%, with 3 originations. The next most common DTI ratio? 30-36%, with 3 originations.
Ethnicity Mix
Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
White | 26 | $20,650,000 | $794,231 | $0 | 4.71% |
Approval Rates
Total approvals of all applications100.00%
California Lithuanian Cu has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to originationPoints and Fees
Points | Originations | Total Value | Average Loan |
---|---|---|---|
NA | 26 | $20,650,000 | $794,231 |
Occupancy Type Mix
Dwelling Type | Originations | Total Value | Average Loan |
---|---|---|---|
Multifamily:Site-Built | 5 | $2,875,000 | $575,000 |
Single Family (1-4 Units):Site-Built | 21 | $17,775,000 | $846,429 |
LTV Distribution
Complaints
Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
---|---|---|---|---|
Caliber Home Loans, Inc. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 9 | 2.5% |
Caliber Home Loans, Inc. | Conventional home mortgage | Closing on a mortgage | 7 | 1.9% |
Caliber Home Loans, Inc. | Conventional home mortgage | Incorrect information on your report | 2 | 0.6% |
Caliber Home Loans, Inc. | Conventional home mortgage | Problem with a credit reporting company's investigation into an existing problem | 3 | 0.8% |
Caliber Home Loans, Inc. | Conventional home mortgage | Struggling to pay mortgage | 61 | 16.9% |
Caliber Home Loans, Inc. | Conventional home mortgage | Trouble during payment process | 115 | 31.9% |
Caliber Home Loans, Inc. | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 5 | 1.4% |
Caliber Home Loans, Inc. | FHA mortgage | Closing on a mortgage | 6 | 1.7% |
Caliber Home Loans, Inc. | FHA mortgage | Incorrect information on your report | 2 | 0.6% |
Caliber Home Loans, Inc. | FHA mortgage | Problem with a credit reporting company's investigation into an existing problem | 1 | 0.3% |
Caliber Home Loans, Inc. | FHA mortgage | Struggling to pay mortgage | 38 | 10.5% |
Caliber Home Loans, Inc. | FHA mortgage | Trouble during payment process | 29 | 8.0% |
Caliber Home Loans, Inc. | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 1 | 0.3% |
Caliber Home Loans, Inc. | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 2 | 0.6% |
Caliber Home Loans, Inc. | Home equity loan or line of credit (HELOC) | Trouble during payment process | 5 | 1.4% |
Caliber Home Loans, Inc. | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 6 | 1.7% |
Caliber Home Loans, Inc. | Other type of mortgage | Closing on a mortgage | 8 | 2.2% |
Caliber Home Loans, Inc. | Other type of mortgage | Struggling to pay mortgage | 23 | 6.4% |
Caliber Home Loans, Inc. | Other type of mortgage | Trouble during payment process | 21 | 5.8% |
Caliber Home Loans, Inc. | VA mortgage | Closing on a mortgage | 1 | 0.3% |
Caliber Home Loans, Inc. | VA mortgage | Struggling to pay mortgage | 5 | 1.4% |
Caliber Home Loans, Inc. | VA mortgage | Trouble during payment process | 11 | 3.0% |