Country Club Bank Mortgage Rates, Fees & Info
Kansas City, MO
LEI: 549300TH6U4UJ37WSG98
Tax ID: 44-0574255
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Mortgage Data
Bank Data
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.
Their top markets include Kansas City, Stillwater, Dallas, Phoenix, and North Port among others. Country Club Bank has
an above average
approval rate for mortages when compared nationally.
They have
an above average
pick rate when compared to the same sample of other lendors.
Originations
420
Origination Dollar Volume (All Markets)
$153,480,000
Employee count
426
Top Markets
| Market |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
|
KANSAS CITY, MO-KS (FHA|USDA|VA)
|
395
|
$128,675,000 |
$325,759 |
$0 |
0.00% |
|
Stillwater, OK (FHA|USDA|VA)
|
2
|
$11,310,000 |
$5,655,000 |
$0 |
0.00% |
|
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA)
|
2
|
$5,920,000 |
$2,960,000 |
$0 |
0.00% |
|
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA)
|
2
|
$1,910,000 |
$955,000 |
$0 |
0.00% |
|
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA)
|
1
|
$1,875,000 |
$1,875,000 |
$0 |
0.00% |
|
ST. JOSEPH, MO-KS (FHA|USDA|VA)
|
6
|
$1,110,000 |
$185,000 |
$0 |
0.00% |
|
Outside of Metro Areas
|
5 |
$975,000 |
$195,000 |
$0 |
0.00% |
|
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA)
|
1
|
$335,000 |
$335,000 |
$0 |
0.00% |
|
TOPEKA, KS (FHA|USDA|VA)
|
1
|
$295,000 |
$295,000 |
$0 |
0.00% |
|
TYLER, TX (FHA|USDA|VA)
|
1
|
$265,000 |
$265,000 |
$0 |
0.00% |
|
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA)
|
1
|
$235,000 |
$235,000 |
$0 |
0.00% |
|
Ottawa, KS (FHA|USDA|VA)
|
1
|
$225,000 |
$225,000 |
$0 |
0.00% |
|
Warrensburg, MO (FHA|USDA|VA)
|
1
|
$205,000 |
$205,000 |
$0 |
0.00% |
|
Atchison, KS (FHA|USDA|VA)
|
1
|
$145,000 |
$145,000 |
$0 |
0.00% |
Country Club Bank's top markets include Kansas City, Stillwater, Dallas, Phoenix, and North Port among others.
Product Mix
| Loan Type |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| Conventional |
418 |
$152,900,000 |
$365,789 |
$0 |
0.00% |
| VA |
2 |
$580,000 |
$290,000 |
$0 |
0.00% |
For the 2021 period, Country Club Bank's most frequently
originated loan type
of loans were Conventional, with 418 originations.
Their 2nd most popular type is VA,
with 2 originations.
Loan Reason
| Loan Reason |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| Home Purchase |
167 |
$69,105,000 |
$413,802 |
$0 |
0.00% |
| Refi |
137 |
$46,925,000 |
$342,518 |
$0 |
0.00% |
| Cash Out Refi |
93 |
$29,345,000 |
$315,538 |
$0 |
0.00% |
| Home Improvement |
12 |
$3,300,000 |
$275,000 |
$0 |
0.00% |
| Other |
11 |
$4,805,000 |
$436,818 |
$0 |
0.00% |
For the 2021, Country Club Bank's most frequently cited loan
purpose
of loans were Home Purchase, with 167
originations.
The 2nd most popular reason of loans were Refi,
with 137 originations.
Loan Duration/Length
| Loan Length |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| Other |
420 |
$153,480,000 |
$365,429 |
$0 |
0.00% |
For the 2021, Country Club Bank's most frequently cited loan
length
of loans were Other, with 420 originations.
Loan Sizing
| Loan Size |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| $200k-400k |
164 |
$45,840,000 |
$279,512 |
$0 |
0.00% |
| $100k-200k |
120 |
$17,510,000 |
$145,917 |
$0 |
0.00% |
| $400k-600k |
56 |
$27,100,000 |
$483,929 |
$0 |
0.00% |
| $100,000 or less |
49 |
$3,505,000 |
$71,531 |
$0 |
0.00% |
| $1MM+ |
23 |
$53,605,000 |
$2,330,652 |
$0 |
0.00% |
| $600k-1MM |
8 |
$5,920,000 |
$740,000 |
$0 |
0.00% |
2021 saw Country Club Bank place emphasis on
$200k-400k loans
with 164 originations, totaling
$45,840,000 in origination value.
Applicant Income
| Applicant Income |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| $100k-150k |
78 |
$22,120,000 |
$283,590 |
$0 |
0.00% |
| $150k-250k |
72 |
$22,330,000 |
$310,139 |
$0 |
0.00% |
| $250k+ |
55 |
$41,725,000 |
$758,636 |
$0 |
0.00% |
| $50k-75k |
47 |
$8,085,000 |
$172,021 |
$0 |
0.00% |
| $75k-100k |
46 |
$10,330,000 |
$224,565 |
$0 |
0.00% |
| $50k or less |
21 |
$2,635,000 |
$125,476 |
$0 |
0.00% |
Country Club Bank lent most frequently to those with incomes in the
$100k-150k range, with
78 originations.
The second most popular income band? $150k-250k,
with 72 originations.
Applicant Debt to Income Ratio
| DTI Ratio |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| Exempt% |
420 |
$153,480,000 |
$365,429 |
$0 |
0.00% |
Country Club Bank lent most frequently to those with DTI ratios
of Exempt%, with
420 originations.
Ethnicity Mix
| Applicant Ethnicity |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| White |
303 |
$100,295,000 |
$331,007 |
$0 |
0.00% |
| Not applicable |
83 |
$42,375,000 |
$510,542 |
$0 |
0.00% |
| Not provided |
22 |
$7,930,000 |
$360,455 |
$0 |
0.00% |
| Asian |
4 |
$1,210,000 |
$302,500 |
$0 |
0.00% |
| Black |
6 |
$840,000 |
$140,000 |
$0 |
0.00% |
| American Indian |
2 |
$830,000 |
$415,000 |
$0 |
0.00% |
Approval Rates
Total approvals of all applications
98.38%
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
95.85%
Country Club Bank has an exceptionally high pick rate. They
most likely have borrower friendly terms or other
characteristics like being fast to close or are easy to work with.
Points and Fees
| Points |
Originations |
Total Value |
Average Loan |
| Exempt |
420 |
$153,480,000 |
$365,429 |
Occupancy Type Mix
| Dwelling Type |
Originations |
Total Value |
Average Loan |
|
420 |
$153,480,000 |
$365,429 |
Complaints
| Bank Name |
Product |
Issue |
2021 CPFB Complaints |
% of Total Issues |
| CountryPlace Acceptance Corporation |
VA mortgage |
Applying for a mortgage or refinancing an existing mortgage |
1 |
7.7% |
| CountryPlace Acceptance Corporation |
Conventional home mortgage |
Trouble during payment process |
1 |
7.7% |
| CountryPlace Acceptance Corporation |
FHA mortgage |
Closing on a mortgage |
8 |
61.5% |
| CountryPlace Acceptance Corporation |
FHA mortgage |
Trouble during payment process |
2 |
15.4% |
| CountryPlace Acceptance Corporation |
Other type of mortgage |
Trouble during payment process |
1 |
7.7% |
Bank Details
Branches
| Bank Name |
Branch |
Branch Type |
Deposits (000's) |
| Country Club Bank |
2001 Shawnee Mission Parkway Shawnee Mission, KS 66205 |
Full Service B&M
|
$108,647 |
| Country Club Bank |
1 Ward Pkwy Kansas City, MO 64112 |
Full Service B&M
|
$267,827 |
| Country Club Bank |
100 4 - H Road Lansing, KS 66043 |
Full Service B&M
|
$23,865 |
| Country Club Bank |
1000 W Foxwood Drive Raymore, MO 64083 |
Full Service B&M
|
$42,037 |
| Country Club Bank |
10000 Wornall Road Kansas City, MO 64114 |
Full Service B&M
|
$3,623 |
| Country Club Bank |
1100 Main Street, Suite 200 Kansas City, MO 64105 |
Full Service B&M
|
$88,342 |
| Country Club Bank |
11006 Parallel Parkway Kansas City, KS 66109 |
Full Service B&M
|
$46,257 |
| Country Club Bank |
11181 Overbrook Road Leawood, KS 66211 |
Full Service B&M
|
$194,951 |
| Country Club Bank |
13451 Briar Street Leawood, KS 66209 |
Full Service B&M
|
$133,208 |
| Country Club Bank |
1601-1603 South Commercial Street Harrisonville, MO 64701 |
Full Service B&M
|
$79,337 |
| Country Club Bank |
18675 West 151st Street Olathe, KS 66062 |
Full Service B&M
|
$54,451 |
| Country Club Bank |
8101 Mission Road Shawnee Mission, KS 66208 |
Full Service B&M
|
$2,553 |
| Country Club Bank |
831 Ne Woods Chapel Road Lees Summit, MO 64064 |
Full Service B&M
|
$23,371 |
| Country Club Bank |
9100 Park Lenexa, KS 66215 |
Full Service B&M
|
$5,524 |
| Country Club Bank |
9400 Mission Road Shawnee Mission, KS 66206 |
Full Service B&M
|
$186,047 |
| Country Club Bank |
202 East North Avenue Belton, MO 64012 |
Full Service B&M
|
$42,203 |
| Country Club Bank |
21911 W. 66th Street Shawnee, KS 66226 |
Full Service B&M
|
$117,701 |
| Country Club Bank |
2310 South 4th Street Leavenworth, KS 66048 |
Full Service B&M
|
$25,516 |
| Country Club Bank |
23600 College Boulevard Olathe, KS 66061 |
Full Service B&M
|
$43,018 |
| Country Club Bank |
32 Se 3rd Street Lee's Summit, MO 64063 |
Full Service B&M
|
$791 |
| Country Club Bank |
3501 West 95th Street Shawnee Mission, KS 66206 |
Full Service B&M
|
$1,555 |
| Country Club Bank |
401 Armour Road North Kansas City, MO 64116 |
Full Service B&M
|
$70,145 |
| Country Club Bank |
401 Delaware Street Leavenworth, KS 66048 |
Full Service B&M
|
$80,787 |
| Country Club Bank |
414 Nichols Road Kansas City, MO 64112 |
Full Service B&M
|
$269,219 |
| Country Club Bank |
4301 Madison Kansas City, MO 64111 |
Full Service B&M
|
$1,468 |
| Country Club Bank |
4343 Belleview Avenue Kansas City, MO 64111 |
Full Service B&M
|
$46,547 |
For 2021, Country Club Bank had 26 branches.
Yearly Performance Overview
Bank Income
Country Club Bank's gross interest income from loans was $66,577,000.
Country Club Bank's net interest income from loans was $62,726,000.
Country Club Bank's fee based income from loans was $3,112,000.
Country Club Bank's net income from loans was $33,720,000.
Bank Expenses
| Item |
Value (in 000's) |
| Total interest expense |
$3,851 |
| Provision for credit losses |
$2,000 |
| Total noninterest expense |
$88,996 |
| Salaries and employee benefits |
$61,711 |
| Premises and equipment expense |
$6,867 |
| Additional noninterest expense |
$20,418 |
| Applicable income taxes |
$684 |
| Net charge-offs |
$253 |
| Cash dividends |
$20,000 |
Country Club Bank's interest expense for loans was $3,851,000.
Country Club Bank's payroll and benefits expense were $61,711,000.
Country Club Bank's property, plant and equipment expenses $6,867,000.
Deposits
| Type |
Value (in 000's) |
| Total deposits |
$2,164,480 |
| Deposits held in domestic offices |
$2,164,480 |
| Deposits by Individuals, partnerships, and corporations |
$2,101,030 |
| Deposits by U.S. Government |
$0 |
| Deposits by States and political subdivisions in the U.S. |
$32,619 |
| Deposits by Commercial banks and other depository institutions in U.S. |
$30,831 |
| Deposits by Banks in foreign countries |
$0 |
| Deposits by Foreign governments and official institutions |
$0 |
| Transaction accounts |
$256,545 |
| Demand deposits |
$195,789 |
| Nontransaction accounts |
$1,907,935 |
| Money market deposit accounts (MMDAs) |
$655,113 |
| Other savings deposits (excluding MMDAs) |
$1,088,677 |
| Total time deposits |
$164,145 |
| Total time and savings deposits |
$1,968,691 |
| Noninterest-bearing deposits |
$800,451 |
| Interest-bearing deposits |
$1,364,030 |
| Retail deposits |
$2,079,239 |
| IRAs and Keogh plan accounts |
$16,469 |
| Brokered deposits |
$46,075 |
| Deposits held in foreign offices |
$0 |
Assets
| Asset |
Value (in 000's) |
| Total Assets |
$2,467,057 |
| Cash & Balances due from depository institutions |
$272,137 |
| Interest-bearing balances |
$253,676 |
| Total securities |
$880,354 |
| Federal funds sold & reverse repurchase |
$1,145 |
| Net loans and leases |
$1,219,827 |
| Loan and leases loss allowance |
$23,187 |
| Trading account assets |
$20,784 |
| Bank premises and fixed assets |
$39,720 |
| Other real estate owned |
$340 |
| Goodwill and other intangibles |
$14,085 |
| All other assets |
$18,665 |
Liabilities
| Liabilities |
Value (in 000's) |
| Total liabilities and capital |
$2,467,057 |
| Total Liabilities |
$2,282,214 |
| Total deposits |
$2,164,480 |
| Interest-bearing deposits |
$1,364,030 |
| Deposits held in domestic offices |
$2,164,480 |
| % insured (estimated) |
$59 |
| Federal funds purchased and repurchase agreements |
$94,575 |
| Trading liabilities |
$0 |
| Other borrowed funds |
$0 |
| Subordinated debt |
$0 |
| All other liabilities |
$23,159 |
Issued Loan Types
| Type |
Value (in 000's) |
| Net loans and leases |
$1,219,827 |
| Loan and leases loss allowance |
$23,187 |
| Total loans and leases (domestic) |
$1,243,014 |
| All real estate loans |
$909,362 |
| Real estate loans in domestic offices |
$909,362 |
| Construction and development loans |
$102,353 |
| Residential 1-4 family construction |
$54,881 |
| Other construction, all land development and other land |
$47,472 |
| Loans secured by nonfarm nonresidential properties |
$539,912 |
| Nonfarm nonresidential secured by owner-occupied properties |
$327,242 |
| Commercial real estate & other non-farm, non-residential |
$212,670 |
| Multifamily residential real estate |
$72,684 |
| 1-4 family residential loans |
$186,724 |
| Farmland loans |
$7,689 |
| Loans held in foreign offices |
$0 |
| Farm loans |
$869 |
| Commercial and industrial loans |
$314,881 |
| To non-U.S. addressees |
$0 |
| Loans to individuals |
$7,432 |
| Credit card loans |
$0 |
| Related Plans |
$37 |
| Consumer Auto Loans |
$1,518 |
| Other loans to individuals |
$5,877 |
| All other loans & leases |
$10,470 |
| Loans to foreign governments and official institutions |
$0 |
| Other loans |
$2,092 |
| Loans to depository institutions and acceptances of other banks |
$0 |
| Loans not secured by real estate |
$623 |
| Loans secured by real estate to non-U.S. addressees |
$0 |
| Restructured Loans & leases |
$0 |
| Non 1-4 family restructured loans & leases |
$0 |
| Total loans and leases (foreign) |
$0 |
Country Club Bank had $1,219,827,000 of loans outstanding in 2021. $909,362,000 of loans were in real estate loans.
$102,353,000 of loans were in development loans. $72,684,000 of loans were in multifamily mortgage loans.
$186,724,000 of loans were in 1-4 family mortgage loans. $869,000 of loans were in farm loans. $0
of loans were in credit card loans. $1,518,000 of loans were in the auto loan category.
Small Business Loans
| Categorization |
# of Loans in Category |
$ amount of loans (in 000's) |
Average $/loan |
| Nonfarm, nonresidential loans - <$1MM |
420 |
$105,605 |
$251,440 |
| Nonfarm, nonresidential loans - <$100k |
73 |
$2,657 |
$36,397 |
| Nonfarm, nonresidential loans - $100-250k |
124 |
$15,322 |
$123,565 |
| Nonfarm, nonresidential loans - $250k-1MM |
223 |
$87,626 |
$392,942 |
| Commercial & Industrial, US addressed loans - <$1MM |
1,438 |
$124,897 |
$86,855 |
| Commercial & Industrial, US addressed loans - <$100k |
783 |
$14,664 |
$18,728 |
| Commercial & Industrial, US addressed loans - $100-250k |
334 |
$28,051 |
$83,985 |
| Commercial & Industrial, US addressed loans - $250k-1MM |
321 |
$82,182 |
$256,019 |
| Farmland loans - <$1MM |
35 |
$4,473 |
$127,800 |
| Farmland loans - <$100k |
9 |
$397 |
$44,111 |
| Farmland loans - $100-250k |
14 |
$1,536 |
$109,714 |
| Farmland loans - $250k-1MM |
12 |
$2,540 |
$211,667 |
| Agriculture operations loans - <$1MM |
31 |
$869 |
$28,032 |
| Agriculture operations loans - <$100k |
25 |
$174 |
$6,960 |
| Agriculture operations loans - $100-250k |
5 |
$335 |
$67,000 |
| Agriculture operations loans - $250k-1MM |
1 |
$360 |
$360,000 |
