Country Club Mortgage Rates, Fees & Info
VISALIA, CALEI: 54930057OO0P1ZMTQX63
Tax ID: 52-2354562
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Overview
Country Club Mortgage is a smaller mortgage company specializing in Home Purchase and Refi loans. Country Club Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Visalia, Fresno, Hanford, San Luis Obispo, and Madera among others. Country Club Mortgage has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Country Club Mortgage is typically an average fee lendor.Originations
3,386Origination Dollar Volume (All Markets)
$857,140,000Awards
COUNTRY CLUB MORTGAGE - 2021
COUNTRY CLUB MORTGAGE is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Country Club Mortgage 's average 30 year fixed rate mortgage of loans were
2.87%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.28%.
Relative Fees
Country Club Mortgage 's average total fees for a 30 year fixed rate
mortgage are $5,960.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| VISALIA, CA (FHA|USDA|VA) | 1,830 | $449,260,000 | $245,497 | $5,722 | 2.82% |
| FRESNO, CA (FHA|USDA|VA) | 865 | $209,985,000 | $242,757 | $5,038 | 2.92% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 480 | $124,250,000 | $258,854 | $7,012 | 2.78% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 50 | $24,400,000 | $488,000 | $5,478 | 2.97% |
| MADERA, CA (FHA|USDA|VA) | 38 | $10,380,000 | $273,158 | $4,728 | 2.88% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 41 | $9,135,000 | $222,805 | $5,553 | 2.77% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 14 | $6,770,000 | $483,571 | $6,760 | 3.05% |
| MERCED, CA (FHA|USDA|VA) | 12 | $2,920,000 | $243,333 | $5,796 | 2.73% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 8 | $2,810,000 | $351,250 | $6,282 | 2.91% |
| Outside of Metro Areas | 7 | $2,565,000 | $366,429 | $4,381 | 3.23% |
| SALINAS, CA (FHA|USDA|VA) | 7 | $2,485,000 | $355,000 | $3,351 | 2.70% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 4 | $2,270,000 | $567,500 | $8,536 | 3.19% |
| STOCKTON, CA (FHA|USDA|VA) | 6 | $2,240,000 | $373,333 | $6,086 | 2.65% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 6 | $2,160,000 | $360,000 | $4,739 | 3.19% |
| MODESTO, CA (FHA|USDA|VA) | 6 | $1,530,000 | $255,000 | $3,727 | 3.06% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 3 | $1,265,000 | $421,667 | $6,064 | 3.21% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $3,039 | 2.81% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $3,795 | 3.25% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $13,857 | 3.25% |
| CHICO, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,799 | 3.50% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,167 | 3.38% |
| REDDING, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,630 | 2.75% |
| Sonora, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,666 | 3.38% |
Country Club Mortgage 's top markets include Visalia, Fresno, Hanford, San Luis Obispo, and Madera among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 2,512 | $603,380,000 | $240,199 | $4,310 | 2.83% |
| FHA | 604 | $161,750,000 | $267,798 | $10,103 | 2.95% |
| VA | 241 | $84,595,000 | $351,017 | $8,612 | 2.80% |
| USDA | 29 | $7,415,000 | $255,690 | $7,088 | 2.63% |
For the 2021 period, Country Club Mortgage 's most frequently originated loan type of loans were Conventional, with 2,512 originations. Their 2nd most popular type is FHA, with 604 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 2,022 | $531,710,000 | $262,962 | $6,859 | 2.75% |
| Refi | 934 | $218,130,000 | $233,544 | $3,924 | 2.94% |
| Home Improvement | 394 | $97,960,000 | $248,629 | $4,751 | 3.13% |
| Cash Out Refi | 36 | $9,340,000 | $259,444 | $4,409 | 3.01% |
For the 2021, Country Club Mortgage 's most frequently cited loan purpose of loans were Home Purchase, with 2,022 originations. The 2nd most popular reason of loans were Refi, with 934 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 3,003 | $774,175,000 | $257,801 | $5,960 | 2.87% |
| 15 Year | 261 | $55,455,000 | $212,471 | $3,918 | 2.61% |
| 20 Year | 94 | $21,650,000 | $230,319 | $3,644 | 2.86% |
| Other | 15 | $3,515,000 | $234,333 | $4,765 | 3.16% |
| 10 Year | 13 | $2,345,000 | $180,385 | $3,671 | 2.45% |
For the 2021, Country Club Mortgage 's most frequently cited loan length of loans were 30 Year, with 3,003 originations. The 2nd most popular length of loans were 15 Year, with 261 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k | 1,812 | $497,830,000 | $274,741 |
| $3k-4k | 511 | $133,705,000 | $261,654 |
| $<1k | 394 | $41,450,000 | $105,203 |
| $5k+ | 338 | $111,980,000 | $331,302 |
| $2k-3k | 331 | $72,175,000 | $218,051 |
$5,960 of loans were Country Club Mortgage 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 1,812 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 1,362 | $381,200,000 | $279,883 |
| 2.5-3% | 1,328 | $362,820,000 | $273,208 |
| <2.5% | 646 | $101,690,000 | $157,415 |
| 4-5% | 50 | $11,430,000 | $228,600 |
During 2021, Country Club Mortgage 's average interest rate of loans were 2.87%, while their most frequently originated rate bucket of loans were 3-4%, with 1,362 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 1,941 | $555,625,000 | $286,257 | $6,476 | 3.04% |
| $100k-200k | 773 | $121,725,000 | $157,471 | $4,250 | 3.03% |
| $100,000 or less | 321 | $6,765,000 | $21,075 | $1,526 | 1.04% |
| $400k-600k | 321 | $150,505,000 | $468,863 | $6,154 | 3.00% |
| $600k-1MM | 28 | $19,810,000 | $707,500 | $8,409 | 3.15% |
| $1MM+ | 2 | $2,710,000 | $1,355,000 | $11,217 | 3.06% |
2021 saw Country Club Mortgage place emphasis on $200k-400k loans with 1,941 originations, totaling $555,625,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $50k-75k | 945 | $203,065,000 | $214,884 | $6,264 | 2.72% |
| $75k-100k | 726 | $182,530,000 | $251,419 | $6,017 | 2.84% |
| $100k-150k | 696 | $206,570,000 | $296,796 | $5,711 | 2.97% |
| $50k or less | 496 | $85,050,000 | $171,472 | $5,077 | 2.74% |
| $150k-250k | 372 | $126,270,000 | $339,435 | $4,994 | 3.03% |
| $250k+ | 119 | $45,175,000 | $379,622 | $5,267 | 3.13% |
Country Club Mortgage lent most frequently to those with incomes in the $50k-75k range, with 945 originations. The second most popular income band? $75k-100k, with 726 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30-36% | 633 | $160,565,000 | $253,657 | $5,874 | 2.90% |
| 20-30% | 614 | $148,560,000 | $241,954 | $4,954 | 2.83% |
| <20% | 283 | $38,365,000 | $135,565 | $2,882 | 1.65% |
| 44% | 174 | $46,050,000 | $264,655 | $6,308 | 3.01% |
| 41% | 157 | $41,535,000 | $264,554 | $6,288 | 3.15% |
| 50-60% | 150 | $44,070,000 | $293,800 | $9,134 | 2.86% |
| 43% | 138 | $38,910,000 | $281,957 | $6,190 | 3.08% |
| 42% | 132 | $38,620,000 | $292,576 | $6,333 | 3.04% |
| 38% | 131 | $34,615,000 | $264,237 | $5,059 | 3.08% |
| 36% | 129 | $34,225,000 | $265,310 | $5,573 | 3.02% |
| 37% | 125 | $35,515,000 | $284,120 | $5,760 | 3.03% |
| 40% | 121 | $31,515,000 | $260,455 | $5,663 | 3.11% |
| 39% | 117 | $30,435,000 | $260,128 | $6,578 | 3.05% |
| 45% | 102 | $29,680,000 | $290,980 | $5,874 | 3.03% |
| 47% | 91 | $25,135,000 | $276,209 | $6,262 | 3.01% |
| 49% | 84 | $22,050,000 | $262,500 | $6,288 | 3.05% |
| 46% | 77 | $20,575,000 | $267,208 | $5,598 | 3.02% |
| 48% | 76 | $21,890,000 | $288,026 | $6,417 | 2.97% |
| >60% | 45 | $12,755,000 | $283,444 | $4,412 | 2.46% |
Country Club Mortgage lent most frequently to those with DTI ratios of 30-36%, with 633 originations. The next most common DTI ratio? 20-30%, with 614 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 2,727 | $689,585,000 | $252,873 | $5,666 | 2.85% |
| Not provided | 394 | $97,610,000 | $247,741 | $6,185 | 2.82% |
| Asian | 184 | $47,360,000 | $257,391 | $5,099 | 2.92% |
| Black | 45 | $11,575,000 | $257,222 | $6,507 | 2.84% |
| Not applicable | 17 | $5,225,000 | $307,353 | $5,598 | 2.78% |
| American Indian | 15 | $4,415,000 | $294,333 | $6,089 | 2.93% |
| Native Hawaiian | 4 | $1,370,000 | $342,500 | $8,168 | 3.03% |
Approval Rates
Total approvals of all applications98.31%
Country Club Mortgage has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination80.97%
Country Club Mortgage has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,386 | $857,140,000 | $253,142 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3,386 | $857,140,000 | $253,142 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 99 | $15,125,000 | $152,778 | $3,598 | 2.79% |
| 40-60% | 382 | $77,450,000 | $202,749 | $3,844 | 2.88% |
| 60-80% | 1,054 | $281,710,000 | $267,277 | $4,524 | 3.11% |
| 80-100% | 1,489 | $447,955,000 | $300,843 | $7,087 | 3.04% |
| Over 100% | 87 | $30,655,000 | $352,356 | $12,831 | 2.90% |
| Under 20% | 269 | $2,675,000 | $9,944 | $341 | 0.70% |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CENTURY MORTGAGE COMPANY | VA mortgage | Trouble during payment process | 1 | 100.0% |
