California Lithuanian Cu Mortgage Rates, Fees & Info

SANTA MONICA, CA

LEI: 254900BQCLUS9C8L2863

Tax ID: 23-7017130

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    California Lithuanian Cu is a smaller mortgage company specializing in Home Purchase loans. California Lithuanian Cu has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Oxnard, and Riverside among others. We have data for 3 markets. (Some data included below & more in-depth data is available with an active subscription.)

    California Lithuanian Cu has an above average approval rate when compared to the average across all lenders. They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    Originations

    19

    Origination Dollar Volume (All Markets)

    $15,705,000

    Top 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) 16 $14,170,000 $885,625 $0 4.45%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $1,100,000 $550,000 $0 4.19%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $435,000 $435,000 $0 5.00%
    California Lithuanian Cu's top markets include Los Angeles, Oxnard, and Riverside among others.

    Their top states include:
  • California (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 19 $15,705,000 $826,579 $0 4.45%

    For 2019, California Lithuanian Cu's most frequently originated type of loan was Conventional, with 19 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 15 $13,405,000 $893,667 $0 4.50%
    Refi 4 $2,300,000 $575,000 $0 4.28%

    For 2019, California Lithuanian Cu's most frequently cited loan purpose was Home Purchase, with 15 originations. The 2nd most popular reason was Refi, with 4 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 18 $15,500,000 $861,111 $0 4.37%
    15 Year 1 $205,000 $205,000 $0 6.00%

    For 2019, California Lithuanian Cu's most frequently cited loan duration was 30 Year, with 18 originations. The 2nd most popular length was 15 Year, with 1 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 14 $10,780,000 $770,000
    3-4% 4 $4,720,000 $1,180,000
    5-6% 1 $205,000 $205,000

    During 2019, California Lithuanian Cu's average interest rate for loans was 4.37%, while their most frequently originated rate bucket for loans was 4-5%, with 14 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $1MM+ 8 $10,380,000 $1,297,500 $0 4.25%
    $200k-400k 4 $910,000 $227,500 $0 4.78%
    $600k-1MM 4 $3,020,000 $755,000 $0 4.41%
    $400k-600k 3 $1,395,000 $465,000 $0 4.63%

    2019 saw California Lithuanian Cu place emphasis on $1MM+ loans with 8 originations, totaling $10,380,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 5 $4,875,000 $975,000 $0 4.55%
    $150k-250k 4 $2,900,000 $725,000 $0 4.69%
    $75k-100k 2 $1,240,000 $620,000 $0 4.19%
    $50k-75k 1 $205,000 $205,000 $0 4.50%

    California Lithuanian Cu lent most frequently to those with incomes in the $250k+ range, with 5 originations. The second most popular income band? $150k-250k, with 4 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 2 $1,340,000 $670,000 $0 4.44%
    30-36% 2 $710,000 $355,000 $0 4.50%
    39% 2 $2,310,000 $1,155,000 $0 4.50%
    <20% 1 $1,025,000 $1,025,000 $0 4.00%
    45% 1 $205,000 $205,000 $0 6.00%
    46% 1 $885,000 $885,000 $0 4.00%

    California Lithuanian Cu lent most frequently to those with DTI ratios of 20-30%, with 2 originations. The next most common DTI ratio? 30-36%, with 2 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 19 $15,705,000 $826,579 $0 4.45%

    Approval Rates

    Total approvals of all applications
    100.00%

    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 origination

    Points and Fees

    Points Originations Total Value Average Loan
    NA 19 $15,705,000 $826,579

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 6 $6,200,000 $1,033,333
    Single Family (1-4 Units):Site-Built 13 $9,505,000 $731,154

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 6 $4,940,000 $823,333 $0 4.38%
    40-60% 6 $6,180,000 $1,030,000 $0 4.19%
    60-80% 4 $3,670,000 $917,500 $0 4.56%
    80-100% 1 $505,000 $505,000 $0 4.50%
    Under 20% 2 $410,000 $205,000 $0 5.25%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    Caliber Home Loans, Inc. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 15 5.0%
    Caliber Home Loans, Inc. Conventional home mortgage Closing on a mortgage 17 5.7%
    Caliber Home Loans, Inc. Conventional home mortgage Incorrect information on your report 7 2.3%
    Caliber Home Loans, Inc. Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 1 0.3%
    Caliber Home Loans, Inc. Conventional home mortgage Struggling to pay mortgage 58 19.4%
    Caliber Home Loans, Inc. Conventional home mortgage Trouble during payment process 72 24.1%
    Caliber Home Loans, Inc. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 5 1.7%
    Caliber Home Loans, Inc. FHA mortgage Closing on a mortgage 3 1.0%
    Caliber Home Loans, Inc. FHA mortgage Improper use of your report 1 0.3%
    Caliber Home Loans, Inc. FHA mortgage Incorrect information on your report 3 1.0%
    Caliber Home Loans, Inc. FHA mortgage Problem with a credit reporting company's investigation into an existing problem 2 0.7%
    Caliber Home Loans, Inc. FHA mortgage Struggling to pay mortgage 24 8.0%
    Caliber Home Loans, Inc. FHA mortgage Trouble during payment process 29 9.7%
    Caliber Home Loans, Inc. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 1 0.3%
    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 3 1.0%
    Caliber Home Loans, Inc. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 0.3%
    Caliber Home Loans, Inc. Other type of mortgage Closing on a mortgage 5 1.7%
    Caliber Home Loans, Inc. Other type of mortgage Struggling to pay mortgage 9 3.0%
    Caliber Home Loans, Inc. Other type of mortgage Trouble during payment process 7 2.3%
    Caliber Home Loans, Inc. VA mortgage Applying for a mortgage or refinancing an existing mortgage 3 1.0%
    Caliber Home Loans, Inc. VA mortgage Closing on a mortgage 7 2.3%
    Caliber Home Loans, Inc. VA mortgage Incorrect information on your report 2 0.7%
    Caliber Home Loans, Inc. VA mortgage Struggling to pay mortgage 6 2.0%
    Caliber Home Loans, Inc. VA mortgage Trouble during payment process 17 5.7%