Country Club Mortgage Rates, Fees & Info

VISALIA, CA

LEI: 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 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. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Visalia, Fresno, Hanford, San Luis Obispo, and Madera among others. We have data for 22 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.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.02% 5/19/24
30 Year Conventional Refi 6.80% 5/19/24
30 Year Cash-out Refi 6.93% 5/19/24
30 Year FHA Purchase 7.45% 5/19/24
30 Year FHA Refi 8.29% 5/19/24
30 Year VA Purchase 6.24% 5/19/24
30 Year VA Refi 5.68% 5/19/24
30 Year USDA Purchase 6.52% 5/19/24
15 Year Conventional Purchase 6.44% 5/19/24
15 Year Conventional Refi 6.60% 5/19/24
15 Year Cash-out Refi 6.60% 5/19/24
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.

Country Club Mortgage Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Country Club Mortgage. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,386

Origination Dollar Volume (All Markets)

$281,400,000

Awards

COUNTRY CLUB MORTGAGE USDA Loans gold COUNTRY CLUB MORTGAGE VA Loans gold COUNTRY CLUB MORTGAGE USDA Loans gold
Show all (3) awards

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) 711 $135,985,000 $191,259 $5,399 4.66%
FRESNO, CA (FHA|USDA|VA) 535 $107,145,000 $200,271 $5,032 4.72%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 58 $12,720,000 $219,310 $5,941 4.75%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 20 $10,050,000 $502,500 $5,794 4.63%
MADERA, CA (FHA|USDA|VA) 24 $4,640,000 $193,333 $5,266 4.63%
BAKERSFIELD, CA (FHA|USDA|VA) 13 $2,605,000 $200,385 $5,617 5.08%
MERCED, CA (FHA|USDA|VA) 7 $1,475,000 $210,714 $5,636 4.68%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $980,000 $490,000 $6,772 5.00%
NAPA, CA (FHA|USDA|VA) 1 $675,000 $675,000 $600 4.50%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 3 $645,000 $215,000 $8,797 5.63%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $595,000 $595,000 $20,765 4.75%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $505,000 $505,000 $4,029 5.25%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $435,000 $435,000 $3,054 4.88%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $395,000 $395,000 $3,649 5.25%
SALINAS, CA (FHA|USDA|VA) 1 $395,000 $395,000 $3,266 5.50%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $355,000 $355,000 $0 4.63%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $355,000 $355,000 $14,194 4.38%
STOCKTON, CA (FHA|USDA|VA) 1 $355,000 $355,000 $7,081 4.88%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $315,000 $315,000 $9,253 4.88%
CHICO, CA (FHA|USDA|VA) 1 $295,000 $295,000 $6,108 4.50%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $255,000 $255,000 $4,620 5.25%
MODESTO, CA (FHA|USDA|VA) 1 $225,000 $225,000 $2,854 6.38%
Country Club Mortgage's top markets include Visalia, Fresno, Hanford, San Luis Obispo, and Madera among others.

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

    COASTHILLS
    Similarity Rank: 48
    SESLOC
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    SAFE 1 CREDIT UNION
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    HOMEAMERICAN MORTGAGE CORPORATION
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    LBS FINANCIAL
    Similarity Rank: 210
    AltaOne Federal Credit Union
    Similarity Rank: 220
    SAN DIEGO COUNTY CREDIT UNION
    Similarity Rank: 255
    Educational Employees Credit Union
    Similarity Rank: 308
    LA Financial Federal Credit Union
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 925 $176,485,000 $190,795 $3,753 4.58%
    FHA 350 $76,110,000 $217,457 $9,186 4.95%
    VA 78 $22,260,000 $285,385 $5,510 4.74%
    USDA 32 $6,420,000 $200,625 $7,034 4.82%
    FHA 1 $125,000 $125,000 $0 5.38%

    For 2018, Country Club Mortgage's most frequently originated type of loan was Conventional, with 925 originations. Their 2nd most popular type was FHA, with 350 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,254 $252,220,000 $201,132 $5,343 4.67%
    Refi 56 $12,500,000 $223,214 $4,257 4.88%
    Cash Out Refi 38 $7,500,000 $197,368 $4,551 5.10%
    NA 23 $6,095,000 $265,000 $7,301 4.82%
    Home Improvement 13 $2,905,000 $223,462 $4,820 4.85%
    Other 2 $180,000 $90,000 $3,612 5.00%

    For 2018, Country Club Mortgage's most frequently cited loan purpose was Home Purchase, with 1,254 originations. The 2nd most popular reason was Refi, with 56 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,354 $275,500,000 $203,471 $5,332 4.70%
    15 Year 23 $4,125,000 $179,348 $4,174 4.43%
    20 Year 8 $1,370,000 $171,250 $3,585 5.05%
    Other 1 $405,000 $405,000 $0 4.25%

    For 2018, Country Club Mortgage's most frequently cited loan duration was 30 Year, with 1,354 originations. The 2nd most popular length was 15 Year, with 23 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 339 $88,675,000 $261,578
    $<1k 296 $19,580,000 $66,149
    $2k-3k 246 $49,320,000 $200,488
    $3k-4k 244 $55,230,000 $226,352
    $4k-5k 134 $33,640,000 $251,045
    $5k+ 122 $33,630,000 $275,656

    Country Club Mortgage's average total fees were $5,332, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 339 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 711 $182,645,000 $256,885
    5-6% 410 $89,720,000 $218,829
    <2.5% 134 $820,000 $6,119
    3-4% 22 $4,840,000 $220,000
    6-7% 8 $1,660,000 $207,500
    2.5-3% 1 $185,000 $185,000

    During 2018, Country Club Mortgage's average interest rate for loans was 4.70%, while their most frequently originated rate bucket for loans was 4-5%, with 711 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 643 $171,085,000 $266,073 $6,960 4.94%
    $100k-200k 391 $62,845,000 $160,729 $5,769 5.00%
    $100,000 or less 261 $3,785,000 $14,502 $595 3.03%
    $400k-600k 81 $36,265,000 $447,716 $5,158 4.78%
    $600k-1MM 9 $6,295,000 $699,444 $4,599 4.51%
    $1MM+ 1 $1,125,000 $1,125,000 $5,149 4.50%

    2018 saw Country Club Mortgage place emphasis on $200k-400k loans with 643 originations, totaling $171,085,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 464 $77,560,000 $167,155 $5,356 4.62%
    $75k-100k 300 $61,500,000 $205,000 $5,563 4.63%
    $50k or less 281 $35,395,000 $125,961 $4,490 4.62%
    $100k-150k 193 $54,495,000 $282,358 $6,099 4.90%
    $150k-250k 112 $39,150,000 $349,554 $5,365 4.95%
    $250k+ 35 $12,685,000 $362,429 $4,393 4.84%

    Country Club Mortgage lent most frequently to those with incomes in the $50k-75k range, with 464 originations. The second most popular income band? $75k-100k, with 300 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 218 $40,470,000 $185,642 $4,737 4.38%
    20-30% 159 $30,185,000 $189,843 $4,226 4.43%
    44% 94 $21,990,000 $233,936 $6,872 5.04%
    <20% 84 $7,760,000 $92,381 $2,025 4.79%
    43% 82 $18,620,000 $227,073 $6,604 5.04%
    50-60% 79 $17,145,000 $217,025 $7,897 4.90%
    40% 67 $15,705,000 $234,403 $5,841 4.91%
    36% 57 $11,525,000 $202,193 $4,620 4.48%
    38% 56 $12,340,000 $220,357 $6,251 4.83%
    42% 55 $13,745,000 $249,909 $6,695 4.96%
    45% 55 $13,245,000 $240,818 $6,113 4.90%
    39% 54 $11,660,000 $215,926 $6,322 4.69%
    49% 53 $12,685,000 $239,340 $5,745 4.98%
    37% 51 $9,395,000 $184,216 $4,788 4.57%
    41% 50 $11,340,000 $226,800 $6,359 5.06%
    47% 44 $10,690,000 $242,955 $5,690 4.84%
    48% 43 $10,865,000 $252,674 $5,377 4.92%
    46% 40 $9,460,000 $236,500 $5,451 5.00%
    >60% 6 $1,100,000 $183,333 $4,960 4.17%

    Country Club Mortgage lent most frequently to those with DTI ratios of 30-36%, with 218 originations. The next most common DTI ratio? 20-30%, with 159 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,245 $251,235,000 $201,795 $5,291 4.70%
    Asian 86 $17,200,000 $200,000 $5,226 4.67%
    Not provided 29 $6,995,000 $241,207 $5,116 4.81%
    Black 13 $2,625,000 $201,923 $6,124 4.47%
    American Indian 8 $2,230,000 $278,750 $5,925 4.58%
    Native Hawaiian or Islander 3 $565,000 $188,333 $6,228 4.75%
    Not applicable 2 $550,000 $275,000 $9,368 4.94%

    Approval Rates

    Total approvals of all applications
    96.17%

    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 origination
    82.40%

    Country Club Mortgage has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,386 $281,400,000 $203,030

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 1 $195,000 $195,000
    Single Family (1-4 Units):Site-Built 1,385 $281,205,000 $203,036

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 11 $1,615,000 $146,818 $3,970 4.96%
    40-60% 57 $12,785,000 $224,298 $4,833 4.74%
    60-80% 239 $59,075,000 $247,176 $4,785 4.99%
    80-100% 822 $199,270,000 $242,421 $6,850 4.97%
    Over 100% 25 $7,285,000 $291,400 $8,791 4.66%
    Under 20% 232 $1,370,000 $5,905 $169 2.55%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    CENTRAL BANC MORTGAGE CORPORATION Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%