Christian Community Credit Union Mortgage Rates, Fees & Info
San Dimas, CALEI: 549300CG5TM73650DH84
Tax ID: 95-1981100
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Mortgage Data
Review & Overview
Christian Community Credit Union is a smaller credit union specializing in Cash Out Refi, Home Purchase, and Refi loans. Christian Community Credit Union has a high proportion of conventional loans. Christian Community Credit Union has a high proportion of conventional loans. Christian Community Credit Union has a low ratio of conventional loans. Their top markets by origination volume include: Los Angeles, Oklahoma City, Colorado Springs, and Riverside among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)Christian Community Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Christian Community Credit Union is typically a low 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 |
---|---|---|
Home Equity Line of Credit (HELOC) | 6.27% | 9/1/24 |
30 Year Conventional Purchase | 6.16% | 9/1/24 |
30 Year Conventional Refi | 5.84% | 9/1/24 |
30 Year Cash-out Refi | 5.82% | 9/1/24 |
15 Year Conventional Purchase | 6.11% | 9/1/24 |
15 Year Conventional Refi | 5.55% | 9/1/24 |
15 Year Cash-out Refi | 5.55% | 9/1/24 |
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. |
Christian Community Credit Union Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
199Origination Dollar Volume (All Markets)
$43,185,000Christian Community Credit Union - 2018
Christian Community Credit Union is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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 |
---|---|---|---|---|---|
Outside of Metro Areas | 151 | $30,745,000 | $203,609 | $2,626 | 4.44% |
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 45 | $12,145,000 | $269,889 | $3,557 | 4.81% |
OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,240 | 4.13% |
COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 5.25% |
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against Christian Community Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 203
Similarity Rank: 210
Similarity Rank: 255
Similarity Rank: 321
Similarity Rank: 500
Similarity Rank: 515
Similarity Rank: 612
Similarity Rank: 614
Similarity Rank: 728
Similarity Rank: 732
Product Mix
For 2018, Christian Community Credit Union's most frequently originated type of loan was Conventional, with 127 originations. Their 2nd most popular type was Conventional, with 57 originations.
Loan Reason
For 2018, Christian Community Credit Union's most frequently cited loan purpose was Cash Out Refi, with 76 originations. The 2nd most popular reason was Home Purchase, with 64 originations.
Loan Duration/Length
For 2018, Christian Community Credit Union's most frequently cited loan duration was Other, with 119 originations. The 2nd most popular length was 30 Year, with 37 originations.
Origination Fees/Closing Costs
Christian Community Credit Union's average total fees were $4,628, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 15 originations.
Interest Rates
During 2018, Christian Community Credit Union's average interest rate for loans was 4.31%, while their most frequently originated rate bucket for loans was 4-5%, with 27 originations.
Loan Sizing
2018 saw Christian Community Credit Union place emphasis on $200k-400k loans with 70 originations, totaling $18,910,000 in origination value.
Applicant Income
Christian Community Credit Union lent most frequently to those with incomes in the $100k-150k range, with 63 originations. The second most popular income band? $50k-75k, with 44 originations.
Applicant Debt to Income Ratio
Christian Community Credit Union lent most frequently to those with DTI ratios of 20-30%, with 40 originations. The next most common DTI ratio? 30-36%, with 33 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications86.36%
Christian Community Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination65.83%
Christian Community Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
Points | Originations | Total Value | Average Loan |
---|---|---|---|
250.0 | 1 | $25,000 | $25,000 |
Exempt | 148 | $30,230,000 | $204,257 |
NA | 50 | $12,930,000 | $258,600 |