Country Club Bank Mortgage Rates, Fees & Info

Kansas City, MO

LEI: 549300TH6U4UJ37WSG98

Tax ID: 44-0574255

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Mortgage Data

Review & Overview

Country Club Bank is a smaller bank specializing in Home Purchase and Refi loans. Country Club Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Kansas City, Washington, Steamboat Springs, Dallas, and St. Louis among others. We have data for 15 markets. (Some data included below & more in-depth data is available with an active subscription.)

Country Club Bank 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.

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Originations

217

Origination Dollar Volume (All Markets)

$110,495,000

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
KANSAS CITY, MO-KS (FHA|USDA|VA) 197 $96,985,000 $492,310 $0 0.00%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $4,005,000 $4,005,000 $0 0.00%
Steamboat Springs, CO (FHA|USDA|VA) 1 $2,005,000 $2,005,000 $0 0.00%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $2,005,000 $2,005,000 $0 0.00%
ST. LOUIS, MO-IL (FHA|USDA|VA) 2 $1,100,000 $550,000 $0 0.00%
Outside of Metro Areas 4 $930,000 $232,500 $0 0.00%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $895,000 $895,000 $0 0.00%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $705,000 $705,000 $0 0.00%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $645,000 $645,000 $0 0.00%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 2 $530,000 $265,000 $0 0.00%
Ottawa, KS (FHA|USDA|VA) 1 $205,000 $205,000 $0 0.00%
Warrensburg, MO (FHA|USDA|VA) 2 $190,000 $95,000 $0 0.00%
JOPLIN, MO (FHA|USDA|VA) 1 $145,000 $145,000 $0 0.00%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $115,000 $115,000 $0 0.00%
TOPEKA, KS (FHA|USDA|VA) 1 $35,000 $35,000 $0 0.00%
Country Club Bank's top markets include Kansas City, Washington, Steamboat Springs, Dallas, and St. Louis among others.

Their top states include:
  • Missouri (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • District of Columbia (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 213 $109,565,000 $514,390 $0 0.00%
    VA 3 $675,000 $225,000 $0 0.00%
    FHA 1 $255,000 $255,000 $0 0.00%

    For 2022, Country Club Bank's most frequently originated type of loan was Conventional, with 213 originations. Their 2nd most popular type was VA, with 3 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 133 $69,695,000 $524,023 $0 0.00%
    Cash Out Refi 32 $12,060,000 $376,875 $0 0.00%
    Refi 30 $24,360,000 $812,000 $0 0.00%
    Home Improvement 16 $2,330,000 $145,625 $0 0.00%
    Other 6 $2,050,000 $341,667 $0 0.00%

    For 2022, Country Club Bank's most frequently cited loan purpose was Home Purchase, with 133 originations. The 2nd most popular reason was Cash Out Refi, with 32 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 217 $110,495,000 $509,194 $0 0.00%

    For 2022, Country Club Bank's most frequently cited loan duration was Other, with 217 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 74 $21,070,000 $284,730 $0 0.00%
    $100k-200k 61 $9,615,000 $157,623 $0 0.00%
    $100,000 or less 24 $1,490,000 $62,083 $0 0.00%
    $1MM+ 21 $56,315,000 $2,681,667 $0 0.00%
    $600k-1MM 20 $14,000,000 $700,000 $0 0.00%
    $400k-600k 17 $8,005,000 $470,882 $0 0.00%

    2022 saw Country Club Bank place emphasis on $200k-400k loans with 74 originations, totaling $21,070,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 44 $43,610,000 $991,136 $0 0.00%
    $150k-250k 31 $9,955,000 $321,129 $0 0.00%
    $100k-150k 28 $8,300,000 $296,429 $0 0.00%
    $75k-100k 21 $6,005,000 $285,952 $0 0.00%
    $50k-75k 19 $3,445,000 $181,316 $0 0.00%
    $50k or less 7 $1,095,000 $156,429 $0 0.00%

    Country Club Bank lent most frequently to those with incomes in the $250k+ range, with 44 originations. The second most popular income band? $150k-250k, with 31 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 217 $110,495,000 $509,194 $0 0.00%

    Country Club Bank lent most frequently to those with DTI ratios of Exempt%, with 217 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 133 $68,545,000 $515,376 $0 0.00%
    Not applicable 60 $34,510,000 $575,167 $0 0.00%
    Not provided 12 $3,980,000 $331,667 $0 0.00%
    Asian 5 $1,345,000 $269,000 $0 0.00%
    Asian Indian 1 $905,000 $905,000 $0 0.00%
    Black 4 $820,000 $205,000 $0 0.00%
    American Indian 2 $390,000 $195,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    97.98%

    Country Club Bank 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
    88.02%

    Country Club Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 217 $110,495,000 $509,194

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    217 $110,495,000 $509,194