Ccb Community Bank Mortgage Rates, Fees & Info

Andalusia, AL

LEI: 254900FG1PR8UNV77C36

Tax ID: 63-0258819

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Mortgage Data

Review & Overview

Ccb Community Bank is a smaller bank specializing in Home Purchase and Refi loans. Ccb Community Bank has a high proportion of conventional loans. Their top markets by origination volume include: Crestview, Enterprise, Daphne, Auburn, and Pensacola among others. We have data for 12 markets. (Some data included below & more in-depth data is available with an active subscription.)

Ccb Community Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

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Originations

197

Origination Dollar Volume (All Markets)

$36,175,000

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
Outside of Metro Areas 148 $23,530,000 $158,986 $0 0.00%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 24 $6,660,000 $277,500 $0 0.00%
Enterprise, AL (FHA|USDA|VA) 10 $1,650,000 $165,000 $0 0.00%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $1,555,000 $518,333 $0 0.00%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 3 $765,000 $255,000 $0 0.00%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $510,000 $255,000 $0 0.00%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $445,000 $445,000 $0 0.00%
PANAMA CITY, FL (FHA|USDA|VA) 1 $415,000 $415,000 $0 0.00%
DOTHAN, AL (FHA|USDA|VA) 2 $250,000 $125,000 $0 0.00%
Atmore, AL (FHA|USDA|VA) 1 $195,000 $195,000 $0 0.00%
MONTGOMERY, AL (FHA|USDA|VA) 1 $135,000 $135,000 $0 0.00%
Ozark, AL (FHA|USDA|VA) 1 $65,000 $65,000 $0 0.00%
Ccb Community Bank's top markets include Crestview, Enterprise, Daphne, Auburn, and Pensacola among others.

Their top states include:
  • Alabama (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 197 $36,175,000 $183,629 $0 0.00%

    For 2022, Ccb Community Bank's most frequently originated type of loan was Conventional, with 197 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 114 $23,920,000 $209,825 $0 0.00%
    Refi 66 $11,380,000 $172,424 $0 0.00%
    Other 10 $540,000 $54,000 $0 0.00%
    Home Improvement 7 $335,000 $47,857 $0 0.00%

    For 2022, Ccb Community Bank's most frequently cited loan purpose was Home Purchase, with 114 originations. The 2nd most popular reason was Refi, with 66 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 197 $36,175,000 $183,629 $0 0.00%

    For 2022, Ccb Community Bank's most frequently cited loan duration was Other, with 197 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 81 $4,505,000 $55,617 $0 0.00%
    $100k-200k 54 $7,600,000 $140,741 $0 0.00%
    $200k-400k 47 $12,915,000 $274,787 $0 0.00%
    $400k-600k 8 $3,610,000 $451,250 $0 0.00%
    $1MM+ 4 $5,530,000 $1,382,500 $0 0.00%
    $600k-1MM 3 $2,015,000 $671,667 $0 0.00%

    2022 saw Ccb Community Bank place emphasis on $100,000 or less loans with 81 originations, totaling $4,505,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 54 $6,060,000 $112,222 $0 0.00%
    $100k-150k 39 $8,005,000 $205,256 $0 0.00%
    $50k or less 32 $2,720,000 $85,000 $0 0.00%
    $75k-100k 22 $2,490,000 $113,182 $0 0.00%
    $150k-250k 16 $4,320,000 $270,000 $0 0.00%
    $250k+ 12 $4,000,000 $333,333 $0 0.00%

    Ccb Community Bank lent most frequently to those with incomes in the $50k-75k range, with 54 originations. The second most popular income band? $100k-150k, with 39 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 197 $36,175,000 $183,629 $0 0.00%

    Ccb Community Bank lent most frequently to those with DTI ratios of Exempt%, with 197 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 170 $28,240,000 $166,118 $0 0.00%
    Not applicable 18 $7,480,000 $415,556 $0 0.00%
    Black 8 $410,000 $51,250 $0 0.00%
    Asian 1 $45,000 $45,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    95.82%

    Ccb Community Bank 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
    83.76%

    Ccb Community Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 197 $36,175,000 $183,629

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    197 $36,175,000 $183,629