Christian Community Credit Union Mortgage Rates, Fees & Info

San Dimas, CA

LEI: 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.

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
Home Equity Line of Credit (HELOC) 6.27% 3/28/24
30 Year Conventional Purchase 6.16% 3/28/24
30 Year Conventional Refi 5.84% 3/28/24
30 Year Cash-out Refi 5.82% 3/28/24
15 Year Conventional Purchase 6.11% 3/28/24
15 Year Conventional Refi 5.55% 3/28/24
15 Year Cash-out Refi 5.55% 3/28/24
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






Your Estimates

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

This is not an official calculator from Christian Community Credit Union. 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

199

Origination Dollar Volume (All Markets)

$43,185,000

Awards

Christian Community Credit Union 30 Year Conventional Loans silver Christian Community Credit Union 30 Year Conventional Loans silver Christian Community Credit Union 30 Year Conventional Loans silver
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
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%
Christian Community Credit Union's top markets include Los Angeles, Oklahoma City, Colorado Springs, and Riverside among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • 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.

    HOMEAMERICAN MORTGAGE CORPORATION
    Similarity Rank: 203
    LBS FINANCIAL
    Similarity Rank: 210
    SAN DIEGO COUNTY CREDIT UNION
    Similarity Rank: 255
    LA Financial Federal Credit Union
    Similarity Rank: 321
    Christian Community Credit Union
    Similarity Rank: 515
    American Interbanc Mortgage
    Similarity Rank: 728
    FOOTHILL FEDERAL CREDIT UNION
    Similarity Rank: 732

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 127 $25,885,000 $203,819 $0 3.88%
    Conventional 57 $14,785,000 $259,386 $3,504 4.63%
    HELOC 10 $1,330,000 $133,000 n/a 5.48%
    Conventional 5 $1,185,000 $237,000 $0 0.00%

    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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 76 $14,090,000 $185,395 $2,609 4.89%
    Home Purchase 64 $18,590,000 $290,469 $8,331 4.30%
    Refi 39 $8,705,000 $223,205 $2,926 4.23%
    Home Improvement 18 $1,720,000 $95,556 $583 5.58%
    NA 2 $80,000 $40,000 $0 6.25%

    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

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 119 $25,395,000 $213,403 $0 3.88%
    30 Year 37 $13,155,000 $355,541 $4,628 4.31%
    20 Year 25 $2,405,000 $96,200 $1,106 5.63%
    10 Year 10 $1,000,000 $100,000 $1,942 4.80%
    15 Year 8 $1,230,000 $153,750 $1,815 4.69%

    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

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 15 $4,125,000 $275,000
    $<1k 14 $2,460,000 $175,714
    $2k-3k 7 $1,775,000 $253,571
    $3k-4k 2 $1,060,000 $530,000
    $4k-5k 2 $1,140,000 $570,000
    $5k+ 1 $1,065,000 $1,065,000

    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

    Loan Rate Originations Total Value Average Loan
    4-5% 27 $9,965,000 $369,074
    6-7% 9 $655,000 $72,778
    5-6% 7 $975,000 $139,286
    3-4% 6 $1,140,000 $190,000
    2.5-3% 2 $410,000 $205,000
    7-8% 1 $65,000 $65,000

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 70 $18,910,000 $270,143 $3,364 4.31%
    $100,000 or less 60 $3,210,000 $53,500 $1,147 5.61%
    $100k-200k 42 $5,730,000 $136,429 $3,060 4.15%
    $400k-600k 19 $8,755,000 $460,789 $5,865 4.54%
    $600k-1MM 6 $4,090,000 $681,667 $5,686 4.41%
    $1MM+ 2 $2,490,000 $1,245,000 $13,079 4.50%

    2018 saw Christian Community Credit Union place emphasis on $200k-400k loans with 70 originations, totaling $18,910,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 63 $14,905,000 $236,587 $3,490 4.95%
    $50k-75k 44 $6,450,000 $146,591 $1,386 5.30%
    $75k-100k 41 $8,645,000 $210,854 $3,860 4.35%
    $150k-250k 25 $7,535,000 $301,400 $5,121 4.30%
    $50k or less 22 $4,020,000 $182,727 $2,750 4.79%
    $250k+ 4 $1,630,000 $407,500 $10,359 5.25%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 40 $7,490,000 $187,250 $3,670 4.35%
    30-36% 33 $5,165,000 $156,515 $2,415 4.61%
    <20% 21 $3,455,000 $164,524 $2,557 3.92%
    47% 10 $3,530,000 $353,000 $844 7.25%
    48% 9 $1,905,000 $211,667 $2,928 5.58%
    46% 9 $1,985,000 $220,556 $3,262 5.25%
    38% 8 $1,580,000 $197,500 $2,925 4.31%
    41% 8 $2,970,000 $371,250 $8,659 4.31%
    39% 7 $2,155,000 $307,857 $1,555 5.19%
    43% 6 $1,340,000 $223,333 $5,675 4.75%
    45% 5 $1,635,000 $327,000 $5,801 4.54%
    40% 5 $725,000 $145,000 $629 6.25%
    37% 4 $870,000 $217,500 $583 6.25%
    36% 4 $1,000,000 $250,000 $5,030 5.06%
    42% 4 $1,070,000 $267,500 $6,610 5.00%
    44% 4 $1,140,000 $285,000 $3,741 4.96%
    50-60% 4 $1,150,000 $287,500 $0 0.00%
    >60% 3 $885,000 $295,000 $6,989 4.25%
    49% 3 $615,000 $205,000 $4,679 3.00%
    Exempt% 1 $205,000 $205,000 $0 0.00%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 172 $35,860,000 $208,488 $3,441 4.76%
    Asian 14 $4,620,000 $330,000 $3,421 4.96%
    Black 6 $1,570,000 $261,667 $6,897 4.25%
    Not provided 3 $565,000 $188,333 $2,614 4.38%
    American Indian 3 $395,000 $131,667 $0 5.25%
    Not applicable 1 $175,000 $175,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    86.36%

    Christian Community Credit Union has an average approval rate.

    Pick Rate

    Approvals leading to origination
    65.83%

    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

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 5 $1,295,000 $259,000
    Single Family (1-4 Units):Manufactured 5 $425,000 $85,000
    Single Family (1-4 Units):Site-Built 189 $41,465,000 $219,392

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 3 $615,000 $205,000 $3,320 4.71%
    40-60% 13 $4,095,000 $315,000 $4,113 4.45%
    60-80% 12 $5,150,000 $429,167 $3,883 4.24%
    80-100% 3 $1,985,000 $661,667 $9,226 4.46%
    Under 20% 20 $1,110,000 $55,500 $1,393 5.42%