Country Club Mortgage Rates, Fees & Info
VISALIA, CALEI: 54930057OO0P1ZMTQX63
Tax ID: 52-2354562
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Mortgage Data
Review & 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 by origination volume include: Visalia, Fresno, Hanford, San Luis Obispo, and Madera among others. We have data for 23 markets. (Some data included below & more in-depth data is available with an active subscription.)Country Club Mortgage 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. Country Club Mortgage is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) 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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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.27% | 1/29/23 |
| 30 Year Conventional Refi | 6.57% | 1/29/23 |
| 30 Year Cash-out Refi | 6.72% | 1/29/23 |
| 30 Year FHA Purchase | 7.41% | 1/29/23 |
| 30 Year FHA Refi | 6.96% | 1/29/23 |
| 30 Year VA Purchase | 6.37% | 1/29/23 |
| 30 Year VA Refi | 5.98% | 1/29/23 |
| 30 Year USDA Purchase | 6.55% | 1/29/23 |
| 30 Year USDA Refi | 6.42% | 1/29/23 |
| 15 Year Conventional Purchase | 6.10% | 1/29/23 |
| 15 Year Conventional Refi | 6.18% | 1/29/23 |
| 15 Year Cash-out Refi | 6.18% | 1/29/23 |
| 15 Year FHA Purchase | 7.11% | 1/29/23 |
| 15 Year VA Refi | 5.68% | 1/29/23 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
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 mortgage rate was
2.87%.
The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.
This yields a difference of -0.28%.
Relative Fees (Closing Costs)
Country Club Mortgage's average total fees/closing costs for a 30 year fixed rate
mortgage were $5,960.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $4,750.
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 |
|---|---|---|---|---|---|
| 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% |
Their top states include:
Similar Lenders
We use machine learning to identify the top lenders compared against COUNTRY CLUB MORTGAGE based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2021, Country Club Mortgage's most frequently originated type of loan was Conventional, with 2,512 originations. Their 2nd most popular type was FHA, with 604 originations.
Loan Reason
For 2021, Country Club Mortgage's most frequently cited loan purpose was Home Purchase, with 2,022 originations. The 2nd most popular reason was Refi, with 934 originations.
Loan Duration/Length
For 2021, Country Club Mortgage's most frequently cited loan duration was 30 Year, with 3,003 originations. The 2nd most popular length was 15 Year, with 261 originations.
Origination Fees/Closing Costs
Country Club Mortgage's average total fees were $5,960, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 2.87%, while their most frequently originated rate bucket for loans was 3-4%, with 1,362 originations.
Loan Sizing
2021 saw Country Club Mortgage place emphasis on $200k-400k loans with 1,941 originations, totaling $555,625,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications99.34%
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 origination74.72%
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 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CENTURY MORTGAGE COMPANY | VA mortgage | Trouble during payment process | 1 | 100.0% |