Country Club Mortgage Rates, Fees & Info

VISALIA, CA

LEI: 54930057OO0P1ZMTQX63

Tax ID: 52-2354562

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

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • 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

    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 a a high 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 20 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.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.02% 11/22/24
    30 Year Conventional Refi 6.80% 11/22/24
    30 Year Cash-out Refi 6.93% 11/22/24
    30 Year FHA Purchase 7.45% 11/22/24
    30 Year FHA Refi 8.29% 11/22/24
    30 Year VA Purchase 6.24% 11/22/24
    30 Year VA Refi 5.68% 11/22/24
    30 Year USDA Purchase 6.52% 11/22/24
    15 Year Conventional Purchase 6.44% 11/22/24
    15 Year Conventional Refi 6.60% 11/22/24
    15 Year Cash-out Refi 6.60% 11/22/24
    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

    1,890

    Origination Dollar Volume (All Markets)

    $394,310,000

    Awards

    COUNTRY CLUB MORTGAGE 30 Year Conventional Loans bronze
    Show all (1) 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) 1,098 $215,390,000 $196,166 $5,427 3.77%
    FRESNO, CA (FHA|USDA|VA) 460 $95,400,000 $207,391 $5,317 3.85%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 228 $50,420,000 $221,140 $5,721 3.95%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 22 $10,220,000 $464,545 $6,202 4.14%
    MADERA, CA (FHA|USDA|VA) 33 $7,575,000 $229,545 $5,514 3.75%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 7 $3,425,000 $489,286 $6,471 4.09%
    BAKERSFIELD, CA (FHA|USDA|VA) 17 $2,955,000 $173,824 $6,052 3.99%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 7 $1,665,000 $237,857 $4,367 3.55%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $940,000 $470,000 $9,521 4.56%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $790,000 $395,000 $13,732 4.06%
    SALINAS, CA (FHA|USDA|VA) 2 $770,000 $385,000 $3,646 3.69%
    MODESTO, CA (FHA|USDA|VA) 2 $740,000 $370,000 $4,980 4.19%
    MERCED, CA (FHA|USDA|VA) 3 $705,000 $235,000 $5,452 4.29%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $595,000 $595,000 $0 3.75%
    NAPA, CA (FHA|USDA|VA) 1 $585,000 $585,000 $4,073 4.13%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $545,000 $545,000 $9,297 3.63%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $485,000 $485,000 $3,834 4.88%
    Outside of Metro Areas 1 $385,000 $385,000 $3,631 3.88%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $365,000 $365,000 $12,986 3.00%
    Eureka-Arcata, CA (FHA|USDA|VA) 1 $355,000 $355,000 $0 3.63%
    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)
  • (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.

    SESLOC
    Similarity Rank: 128
    FAMILIES AND SCHOOLS TOGETHER FEDERAL CREDIT UNION
    Similarity Rank: 162
    SAFE 1 CREDIT UNION
    Similarity Rank: 174
    Christian Community Credit Union
    Similarity Rank: 220
    COASTHILLS
    Similarity Rank: 252
    LONG BEACH CITY EMPLOYEES Federal Credit Union
    Similarity Rank: 290
    Educational Employees Credit Union
    Similarity Rank: 323
    HOMEAMERICAN MORTGAGE CORPORATION
    Similarity Rank: 374
    SOUTHLAND CREDIT UNION
    Similarity Rank: 464
    LBS FINANCIAL
    Similarity Rank: 546

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,102 $206,220,000 $187,132 $3,396 3.64%
    FHA 606 $137,590,000 $227,046 $9,158 4.07%
    VA 148 $43,900,000 $296,622 $5,958 4.01%
    USDA 34 $6,600,000 $194,118 $6,255 4.16%

    For 2019, Country Club Mortgage's most frequently originated type of loan was Conventional, with 1,102 originations. Their 2nd most popular type was FHA, with 606 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,564 $313,700,000 $200,575 $5,611 3.72%
    Cash Out Refi 164 $39,560,000 $241,220 $5,158 4.45%
    Refi 154 $39,240,000 $254,805 $4,239 4.13%
    Home Improvement 7 $1,685,000 $240,714 $5,022 4.79%
    Other 1 $125,000 $125,000 $3,354 5.13%

    For 2019, Country Club Mortgage's most frequently cited loan purpose was Home Purchase, with 1,564 originations. The 2nd most popular reason was Cash Out Refi, with 164 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,827 $380,795,000 $208,426 $5,500 3.81%
    15 Year 42 $9,320,000 $221,905 $4,677 4.05%
    20 Year 18 $3,290,000 $182,778 $3,869 4.34%
    10 Year 2 $720,000 $360,000 $5,176 3.94%
    Other 1 $185,000 $185,000 $5,852 3.88%

    For 2019, Country Club Mortgage's most frequently cited loan duration was 30 Year, with 1,827 originations. The 2nd most popular length was 15 Year, with 42 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 685 $177,315,000 $258,854
    $<1k 451 $37,665,000 $83,514
    $2k-3k 223 $46,755,000 $209,664
    $3k-4k 196 $46,070,000 $235,051
    $5k+ 188 $49,880,000 $265,319
    $4k-5k 147 $36,625,000 $249,150

    Country Club Mortgage's average total fees were $5,500, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 685 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 742 $182,150,000 $245,485
    3-4% 731 $177,725,000 $243,126
    <2.5% 161 $845,000 $5,248
    5-6% 136 $29,950,000 $220,221
    2.5-3% 114 $2,080,000 $18,246
    7-8% 3 $815,000 $271,667
    6-7% 2 $350,000 $175,000
    Over 8% 1 $395,000 $395,000

    During 2019, Country Club Mortgage's average interest rate for loans was 3.81%, while their most frequently originated rate bucket for loans was 4-5%, with 742 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 943 $253,885,000 $269,231 $7,339 4.17%
    $100k-200k 462 $75,390,000 $163,182 $5,562 4.38%
    $100,000 or less 361 $5,055,000 $14,003 $592 2.05%
    $400k-600k 111 $51,135,000 $460,676 $4,954 4.19%
    $600k-1MM 13 $8,845,000 $680,385 $7,454 4.34%

    2019 saw Country Club Mortgage place emphasis on $200k-400k loans with 943 originations, totaling $253,885,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 641 $112,735,000 $175,874 $5,773 3.67%
    $50k or less 363 $49,145,000 $135,386 $4,734 3.65%
    $75k-100k 354 $71,910,000 $203,136 $5,822 3.73%
    $100k-150k 308 $82,880,000 $269,091 $5,596 4.09%
    $150k-250k 136 $45,940,000 $337,794 $5,243 4.43%
    $250k+ 59 $23,495,000 $398,220 $4,765 4.31%

    Country Club Mortgage lent most frequently to those with incomes in the $50k-75k range, with 641 originations. The second most popular income band? $50k or less, with 363 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 337 $65,915,000 $195,593 $4,863 3.94%
    20-30% 273 $58,045,000 $212,619 $4,567 3.96%
    <20% 169 $11,165,000 $66,065 $1,373 1.28%
    50-60% 143 $32,785,000 $229,266 $7,067 3.92%
    44% 112 $27,030,000 $241,339 $7,711 4.22%
    >60% 73 $14,175,000 $194,178 $7,379 3.85%
    42% 72 $17,160,000 $238,333 $7,218 4.20%
    36% 71 $14,445,000 $203,451 $5,525 3.96%
    43% 65 $14,855,000 $228,538 $6,757 4.15%
    38% 64 $14,430,000 $225,469 $5,821 4.21%
    41% 64 $16,340,000 $255,313 $6,966 4.23%
    37% 63 $13,795,000 $218,968 $5,261 4.08%
    40% 61 $15,405,000 $252,541 $6,422 4.36%
    46% 55 $12,875,000 $234,091 $5,344 4.23%
    48% 53 $14,305,000 $269,906 $6,430 4.37%
    47% 51 $10,895,000 $213,627 $5,775 4.42%
    45% 48 $11,920,000 $248,333 $6,557 4.15%
    39% 46 $10,000,000 $217,391 $6,295 4.10%
    49% 41 $10,565,000 $257,683 $5,955 4.31%

    Country Club Mortgage lent most frequently to those with DTI ratios of 30-36%, with 337 originations. The next most common DTI ratio? 20-30%, with 273 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,691 $350,115,000 $207,046 $5,400 3.79%
    Asian 93 $21,745,000 $233,817 $6,056 4.12%
    Not provided 43 $10,035,000 $233,372 $6,065 4.24%
    Black 39 $7,745,000 $198,590 $5,605 3.79%
    Not applicable 18 $3,080,000 $171,111 $5,799 3.78%
    American Indian 6 $1,590,000 $265,000 $8,569 4.06%

    Approval Rates

    Total approvals of all applications
    97.79%

    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
    78.41%

    Country Club Mortgage has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,890 $394,310,000 $208,630

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 8 $1,080,000 $135,000
    Single Family (1-4 Units):Site-Built 1,882 $393,230,000 $208,943

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 11 $1,105,000 $100,455 $3,885 3.92%
    40-60% 81 $16,345,000 $201,790 $4,128 4.27%
    60-80% 334 $83,040,000 $248,623 $4,860 4.49%
    80-100% 1,071 $270,375,000 $252,451 $7,228 4.19%
    Over 100% 43 $13,365,000 $310,814 $9,445 3.96%
    Under 20% 321 $1,875,000 $5,841 $186 1.75%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    CONTOUR MORTGAGE CORPORATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%
    CONTOUR MORTGAGE CORPORATION FHA mortgage Closing on a mortgage 1 50.0%