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 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 24 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% 4/14/24
    30 Year Conventional Refi 6.80% 4/14/24
    30 Year Cash-out Refi 6.93% 4/14/24
    30 Year FHA Purchase 7.45% 4/14/24
    30 Year FHA Refi 8.29% 4/14/24
    30 Year VA Purchase 6.24% 4/14/24
    30 Year VA Refi 5.68% 4/14/24
    30 Year USDA Purchase 6.52% 4/14/24
    15 Year Conventional Purchase 6.44% 4/14/24
    15 Year Conventional Refi 6.60% 4/14/24
    15 Year Cash-out Refi 6.60% 4/14/24
    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

    3,605

    Origination Dollar Volume (All Markets)

    $815,695,000
    Show all (5) 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) 1,992 $421,970,000 $211,832 $5,294 2.87%
    FRESNO, CA (FHA|USDA|VA) 940 $214,230,000 $227,904 $4,973 2.87%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 425 $94,985,000 $223,494 $6,551 2.83%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 81 $36,705,000 $453,148 $5,179 3.08%
    MADERA, CA (FHA|USDA|VA) 53 $13,385,000 $252,547 $5,517 2.92%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 16 $7,360,000 $460,000 $4,469 3.02%
    BAKERSFIELD, CA (FHA|USDA|VA) 25 $5,245,000 $209,800 $5,376 3.05%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 10 $3,250,000 $325,000 $5,177 2.95%
    MERCED, CA (FHA|USDA|VA) 14 $2,980,000 $212,857 $6,883 3.04%
    Outside of Metro Areas 8 $2,170,000 $271,250 $4,454 3.03%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 5 $2,025,000 $405,000 $3,683 2.83%
    MODESTO, CA (FHA|USDA|VA) 9 $2,015,000 $223,889 $5,329 2.61%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 3 $1,405,000 $468,333 $8,618 2.63%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 3 $1,105,000 $368,333 $1,578 2.58%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 4 $1,070,000 $267,500 $7,040 3.13%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $1,000,000 $500,000 $4,184 2.88%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 3 $965,000 $321,667 $3,163 3.00%
    STOCKTON, CA (FHA|USDA|VA) 3 $775,000 $258,333 $5,539 2.58%
    Eureka-Arcata, CA (FHA|USDA|VA) 2 $770,000 $385,000 $3,225 3.00%
    CHICO, CA (FHA|USDA|VA) 2 $640,000 $320,000 $3,921 3.06%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $615,000 $615,000 $3,783 2.88%
    SALINAS, CA (FHA|USDA|VA) 2 $440,000 $220,000 $3,741 2.94%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $385,000 $385,000 $4,038 3.63%
    Susanville, CA (FHA|USDA|VA) 1 $205,000 $205,000 $3,296 3.13%
    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.

    HOMEAMERICAN MORTGAGE CORPORATION
    Similarity Rank: 363
    SAFE 1 CREDIT UNION
    Similarity Rank: 369
    COASTHILLS
    Similarity Rank: 564
    AltaOne Federal Credit Union
    Similarity Rank: 666
    Christian Community Credit Union
    Similarity Rank: 716
    SESLOC
    Similarity Rank: 792
    VALLEY STRONG CREDIT UNION
    Similarity Rank: 854
    CHOICE LENDING CORP.
    Similarity Rank: 1035
    LONG BEACH CITY EMPLOYEES Federal Credit Union
    Similarity Rank: 1053
    VICTORIA FINANCIAL CORP.
    Similarity Rank: 1184

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,570 $547,430,000 $213,008 $3,724 2.80%
    FHA 765 $187,295,000 $244,830 $9,806 3.10%
    VA 227 $71,175,000 $313,546 $7,059 2.90%
    USDA 43 $9,795,000 $227,791 $6,896 2.97%

    For 2020, Country Club Mortgage's most frequently originated type of loan was Conventional, with 2,570 originations. Their 2nd most popular type was FHA, with 765 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,193 $464,505,000 $211,813 $6,437 2.73%
    Refi 1,065 $263,655,000 $247,563 $3,728 3.03%
    Home Improvement 283 $71,465,000 $252,527 $4,438 3.29%
    Cash Out Refi 64 $16,070,000 $251,094 $3,647 3.29%

    For 2020, Country Club Mortgage's most frequently cited loan purpose was Home Purchase, with 2,193 originations. The 2nd most popular reason was Refi, with 1,065 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,234 $733,830,000 $226,911 $5,561 2.88%
    15 Year 244 $51,640,000 $211,639 $3,728 2.78%
    20 Year 97 $23,175,000 $238,918 $3,527 3.05%
    Other 16 $4,450,000 $278,125 $4,653 3.01%
    10 Year 14 $2,600,000 $185,714 $3,430 2.76%

    For 2020, Country Club Mortgage's most frequently cited loan duration was 30 Year, with 3,234 originations. The 2nd most popular length was 15 Year, with 244 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,707 $454,865,000 $266,470
    $<1k 650 $52,780,000 $81,200
    $2k-3k 342 $74,620,000 $218,187
    $5k+ 334 $93,580,000 $280,180
    $3k-4k 312 $71,570,000 $229,391
    $4k-5k 260 $68,280,000 $262,615

    Country Club Mortgage's average total fees were $5,561, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,707 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,362 $344,200,000 $252,717
    2.5-3% 1,326 $338,270,000 $255,106
    <2.5% 770 $99,400,000 $129,091
    4-5% 138 $31,740,000 $230,000
    5-6% 9 $2,085,000 $231,667

    During 2020, Country Club Mortgage's average interest rate for loans was 2.88%, while their most frequently originated rate bucket for loans was 3-4%, with 1,362 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,977 $539,335,000 $272,805 $6,360 3.08%
    $100k-200k 785 $124,525,000 $158,631 $4,639 3.25%
    $100,000 or less 544 $8,120,000 $14,926 $856 1.52%
    $400k-600k 279 $129,015,000 $462,419 $4,891 3.00%
    $600k-1MM 19 $13,195,000 $694,474 $6,264 3.34%
    $1MM+ 1 $1,505,000 $1,505,000 $5,717 4.13%

    2020 saw Country Club Mortgage place emphasis on $200k-400k loans with 1,977 originations, totaling $539,335,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,102 $205,030,000 $186,053 $5,826 2.75%
    $75k-100k 764 $172,060,000 $225,209 $5,775 2.79%
    $100k-150k 619 $170,165,000 $274,903 $5,143 3.07%
    $50k or less 566 $83,310,000 $147,191 $5,355 2.78%
    $150k-250k 381 $124,595,000 $327,021 $4,361 3.17%
    $250k+ 134 $48,670,000 $363,209 $4,013 3.10%

    Country Club Mortgage lent most frequently to those with incomes in the $50k-75k range, with 1,102 originations. The second most popular income band? $75k-100k, with 764 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 717 $152,715,000 $212,992 $4,457 2.83%
    30-36% 697 $150,295,000 $215,631 $5,477 2.94%
    <20% 345 $52,045,000 $150,855 $2,486 1.89%
    50-60% 172 $43,400,000 $252,326 $8,557 3.12%
    42% 171 $43,815,000 $256,228 $6,536 3.01%
    44% 149 $37,995,000 $255,000 $6,074 3.16%
    39% 141 $32,575,000 $231,028 $5,961 3.01%
    43% 140 $34,550,000 $246,786 $6,019 3.00%
    41% 137 $32,585,000 $237,847 $6,111 2.97%
    37% 129 $31,525,000 $244,380 $5,516 3.00%
    36% 128 $29,390,000 $229,609 $5,523 3.06%
    38% 124 $28,080,000 $226,452 $5,554 3.04%
    40% 118 $28,170,000 $238,729 $6,161 3.16%
    46% 88 $23,020,000 $261,591 $6,100 3.09%
    45% 81 $20,185,000 $249,198 $5,880 3.16%
    48% 78 $19,560,000 $250,769 $5,992 3.12%
    49% 76 $21,680,000 $285,263 $6,262 3.11%
    47% 52 $15,510,000 $298,269 $5,755 3.06%
    >60% 23 $6,595,000 $286,739 $4,162 2.78%

    Country Club Mortgage lent most frequently to those with DTI ratios of 20-30%, with 717 originations. The next most common DTI ratio? 30-36%, with 697 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,043 $679,155,000 $223,186 $5,321 2.87%
    Not provided 311 $74,645,000 $240,016 $5,422 2.82%
    Asian 139 $33,765,000 $242,914 $5,321 2.95%
    Black 53 $12,825,000 $241,981 $6,070 3.14%
    Not applicable 43 $10,435,000 $242,674 $5,617 2.94%
    American Indian 13 $4,005,000 $308,077 $6,389 3.05%
    Native Hawaiian or Islander 3 $865,000 $288,333 $10,989 2.96%

    Approval Rates

    Total approvals of all applications
    98.42%

    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
    87.63%

    Country Club Mortgage has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,605 $815,695,000 $226,268

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 8 $890,000 $111,250
    Single Family (1-4 Units):Site-Built 3,597 $814,805,000 $226,523

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 69 $10,805,000 $156,594 $3,382 2.98%
    40-60% 309 $65,315,000 $211,375 $3,464 2.93%
    60-80% 1,021 $270,545,000 $264,980 $4,071 3.20%
    80-100% 1,610 $431,830,000 $268,217 $7,147 3.13%
    Over 100% 76 $23,280,000 $306,316 $10,727 2.89%
    Under 20% 485 $3,185,000 $6,567 $230 1.31%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    CONTOUR MORTGAGE CORPORATION Conventional home mortgage Struggling to pay mortgage 1 20.0%
    CONTOUR MORTGAGE CORPORATION Other type of mortgage Closing on a mortgage 1 20.0%
    CONTOUR MORTGAGE CORPORATION Conventional home mortgage Trouble during payment process 1 20.0%
    CONTOUR MORTGAGE CORPORATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 20.0%
    CONTOUR MORTGAGE CORPORATION Conventional home mortgage Closing on a mortgage 1 20.0%