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 and Home Purchase loans. Christian Community Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Sacramento, Dallas, Findlay, and Cincinnati among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)Christian Community Credit Union 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. Christian Community Credit Union 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 4/28/24 |
| 30 Year Conventional Purchase | 6.16% | 4/28/24 |
| 30 Year Conventional Refi | 5.84% | 4/28/24 |
| 30 Year Cash-out Refi | 5.82% | 4/28/24 |
| 15 Year Conventional Purchase | 6.11% | 4/28/24 |
| 15 Year Conventional Refi | 5.55% | 4/28/24 |
| 15 Year Cash-out Refi | 5.55% | 4/28/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
274Origination Dollar Volume (All Markets)
$56,470,000Awards
Christian Community Credit Union - 2022
Christian Community Credit Union is a 2022 , due to their low .
For 2022, 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 | 212 | $43,500,000 | $205,189 | $4,498 | 4.22% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 54 | $11,060,000 | $204,815 | $4,240 | 4.35% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $5,589 | 4.25% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $8,802 | 3.38% |
| Findlay, OH (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $13,857 | 6.25% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 4.13% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $10,878 | 4.88% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $839 | 5.13% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,216 | 4.25% |
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.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 190 | $45,230,000 | $238,053 | $4,557 | 4.31% |
| HELOC | 84 | $11,240,000 | $133,810 | n/a | 4.16% |
For 2022, Christian Community Credit Union's most frequently originated type of loan was Conventional, with 190 originations. Their 2nd most popular type was HELOC, with 84 originations.
Loan Reason
For 2022, Christian Community Credit Union's most frequently cited loan purpose was Cash Out Refi, with 114 originations. The 2nd most popular reason was Home Improvement, with 57 originations.
Loan Duration/Length
For 2022, Christian Community Credit Union's most frequently cited loan duration was 20 Year, with 118 originations. The 2nd most popular length was 30 Year, with 110 originations.
Origination Fees/Closing Costs
Christian Community Credit Union's average total fees were $5,878, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 69 originations.
Interest Rates
During 2022, Christian Community Credit Union's average interest rate for loans was 4.04%, while their most frequently originated rate bucket for loans was 3-4%, with 96 originations.
Loan Sizing
2022 saw Christian Community Credit Union place emphasis on $100,000 or less loans with 85 originations, totaling $5,415,000 in origination value.
Applicant Income
Christian Community Credit Union lent most frequently to those with incomes in the $100k-150k range, with 70 originations. The second most popular income band? $150k-250k, with 54 originations.
Applicant Debt to Income Ratio
Christian Community Credit Union lent most frequently to those with DTI ratios of 20-30%, with 93 originations. The next most common DTI ratio? <20%, with 58 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications90.61%
Christian Community Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination59.49%
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 |
|---|---|---|---|
| NA | 274 | $56,470,000 | $206,095 |