Country Club Bank Mortgage Rates, Fees & Info
Kansas City, MOLEI: 549300TH6U4UJ37WSG98
Tax ID: 44-0574255
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Mortgage Data
Bank Data
Review & Overview
Country Club Bank is a smaller bank specializing in Home Purchase loans. Country Club Bank has a high proportion of conventional loans. Their top markets by origination volume include: Kansas City, Tulsa, Cape Coral, Kingston, and Springfield among others. We have data for 7 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 an above average pick rate when compared to similar lenders.
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Originations
162Origination Dollar Volume (All Markets)
$66,360,000Employee count
390Top 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) | 149 | $57,395,000 | $385,201 | $0 | 0.00% |
| TULSA, OK (FHA|USDA|VA) | 2 | $5,350,000 | $2,675,000 | $0 | 0.00% |
| Outside of Metro Areas | 7 | $2,305,000 | $329,286 | $0 | 0.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $0 | 0.00% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 0.00% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 0.00% |
| Maryville, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 162 | $66,360,000 | $409,630 | $0 | 0.00% |
For 2018, Country Club Bank's most frequently originated type of loan was Conventional, with 162 originations.
Loan Reason
For 2018, Country Club Bank's most frequently cited loan purpose was Home Purchase, with 108 originations. The 2nd most popular reason was Home Improvement, with 18 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 162 | $66,360,000 | $409,630 | $0 | 0.00% |
For 2018, Country Club Bank's most frequently cited loan duration was Other, with 162 originations.
Loan Sizing
2018 saw Country Club Bank place emphasis on $100k-200k loans with 51 originations, totaling $6,765,000 in origination value.
Applicant Income
Country Club Bank lent most frequently to those with incomes in the $250k+ range, with 33 originations. The second most popular income band? $100k-150k, with 16 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 162 | $66,360,000 | $409,630 | $0 | 0.00% |
Country Club Bank lent most frequently to those with DTI ratios of Exempt%, with 162 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Not applicable | 77 | $44,755,000 | $581,234 | $0 | 0.00% |
| White | 85 | $21,605,000 | $254,176 | $0 | 0.00% |
Approval Rates
Total approvals of all applications98.82%
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 origination96.30%
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 | 162 | $66,360,000 | $409,630 |
Occupancy Type Mix
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CountryPlace Acceptance Corporation | FHA mortgage | Trouble during payment process | 1 | 50.0% |
| CountryPlace Acceptance Corporation | Other type of mortgage | Struggling to pay mortgage | 1 | 50.0% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Country Club Bank | 100 4 - H Road Lansing, KS 66043 | Full Service B&M | $14,512 |
| Country Club Bank | 1000 W Foxwood Drive Raymore, MO 64083 | Full Service B&M | $25,295 |
| Country Club Bank | 10000 Wornall Road Kansas City, MO 64114 | Full Service B&M | $4,394 |
| Country Club Bank | 1100 Main Street, Suite 200 Kansas City, MO 64105 | Full Service B&M | $69,147 |
| Country Club Bank | 11006 Parallel Parkway Kansas City, KS 66109 | Full Service B&M | $37,008 |
| Country Club Bank | 11181 Overbrook Road Leawood, KS 66211 | Full Service B&M | $158,654 |
| Country Club Bank | 13451 Briar Street Leawood, KS 66209 | Full Service B&M | $100,601 |
| Country Club Bank | 1601-1603 South Commercial Street Harrisonville, MO 64701 | Full Service B&M | $55,889 |
| Country Club Bank | 1703 North 291 Highway Harrisonville, MO 64701 | Full Service B&M | $3,164 |
| Country Club Bank | 2001 Shawnee Mission Parkway Shawnee Mission, KS 66205 | Full Service B&M | $77,134 |
| Country Club Bank | 202 East North Avenue Belton, MO 64012 | Full Service B&M | $28,937 |
| Country Club Bank | 21911 W. 66th Street Shawnee, KS 66226 | Full Service B&M | $60,080 |
| Country Club Bank | 2310 South 4th Street Leavenworth, KS 66048 | Full Service B&M | $19,754 |
| Country Club Bank | 3501 West 95th Street Shawnee Mission, KS 66206 | Full Service B&M | $2,525 |
| Country Club Bank | 401 Armour Road North Kansas City, MO 64116 | Full Service B&M | $49,787 |
| Country Club Bank | 401 Delaware Street Leavenworth, KS 66048 | Full Service B&M | $69,455 |
| Country Club Bank | 414 Nichols Road Kansas City, MO 64112 | Full Service B&M | $205,060 |
| Country Club Bank | 4301 Madison Kansas City, MO 64111 | Full Service B&M | $1,971 |
| Country Club Bank | 4343 Belleview Avenue Kansas City, MO 64111 | Full Service B&M | $38,650 |
| Country Club Bank | 8101 Mission Road Shawnee Mission, KS 66208 | Full Service B&M | $3,061 |
| Country Club Bank | 831 Ne Woods Chapel Road Lees Summit, MO 64064 | Full Service B&M | $12,208 |
| Country Club Bank | 9100 Park Lenexa, KS 66215 | Full Service B&M | $6,118 |
| Country Club Bank | 9400 Mission Road Shawnee Mission, KS 66206 | Full Service B&M | $132,779 |
| Country Club Bank | One Ward Parkway Kansas City, MO 64112 | Full Service B&M | $39,435 |
For 2018, Country Club Bank had 24 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $55,032 |
| Net interest income | $52,837 |
| Total noninterest income | $36,662 |
| Gross Fiduciary activities income | $12,157 |
| Service charges on deposit accounts | $2,709 |
| Trading account gains and fees | $5,384 |
| Additional Noninterest Income | $16,412 |
| Pre-tax net operating income | $22,877 |
| Securities gains (or losses, -) | $32 |
| Income before extraordinary items | $22,542 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $22,542 |
| Minority interest net income | $0 |
| Net income | $22,542 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $22,510 |
Country Club Bank's gross interest income from loans was $55,032,000.
Country Club Bank's net interest income from loans was $52,837,000.
Country Club Bank's fee based income from loans was $2,709,000.
Country Club Bank's net income from loans was $22,542,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $2,195 |
| Provision for credit losses | $600 |
| Total noninterest expense | $66,022 |
| Salaries and employee benefits | $43,348 |
| Premises and equipment expense | $6,492 |
| Additional noninterest expense | $16,182 |
| Applicable income taxes | $367 |
| Net charge-offs | $-187 |
| Cash dividends | $7,500 |
Country Club Bank's interest expense for loans was $2,195,000.
Country Club Bank's payroll and benefits expense were $43,348,000.
Country Club Bank's property, plant and equipment expenses $6,492,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 1.0% |
| Construction & Land Development loans | 5.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 1.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $1,198,637 |
| Deposits held in domestic offices | $1,198,637 |
| Deposits by Individuals, partnerships, and corporations | $1,145,009 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $30,473 |
| Deposits by Commercial banks and other depository institutions in U.S. | $23,155 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $162,912 |
| Demand deposits | $124,672 |
| Nontransaction accounts | $1,035,725 |
| Money market deposit accounts (MMDAs) | $352,651 |
| Other savings deposits (excluding MMDAs) | $601,271 |
| Total time deposits | $81,803 |
| Total time and savings deposits | $1,073,965 |
| Noninterest-bearing deposits | $450,764 |
| Interest-bearing deposits | $747,873 |
| Retail deposits | $1,179,260 |
| IRAs and Keogh plan accounts | $15,429 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $1,419,839 |
| Cash & Balances due from depository institutions | $51,387 |
| Interest-bearing balances | $25,848 |
| Total securities | $377,151 |
| Federal funds sold & reverse repurchase | $905 |
| Net loans and leases | $932,443 |
| Loan and leases loss allowance | $15,475 |
| Trading account assets | $5,809 |
| Bank premises and fixed assets | $35,028 |
| Other real estate owned | $94 |
| Goodwill and other intangibles | $2,690 |
| All other assets | $14,332 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $1,419,839 |
| Total Liabilities | $1,276,406 |
| Total deposits | $1,198,637 |
| Interest-bearing deposits | $747,873 |
| Deposits held in domestic offices | $1,198,637 |
| % insured (estimated) | $69 |
| Federal funds purchased and repurchase agreements | $61,791 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $15,978 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $932,443 |
| Loan and leases loss allowance | $15,475 |
| Total loans and leases (domestic) | $947,918 |
| All real estate loans | $672,156 |
| Real estate loans in domestic offices | $672,156 |
| Construction and development loans | $80,427 |
| Residential 1-4 family construction | $45,522 |
| Other construction, all land development and other land | $34,905 |
| Loans secured by nonfarm nonresidential properties | $404,959 |
| Nonfarm nonresidential secured by owner-occupied properties | $240,396 |
| Commercial real estate & other non-farm, non-residential | $164,563 |
| Multifamily residential real estate | $21,748 |
| 1-4 family residential loans | $156,377 |
| Farmland loans | $8,645 |
| Loans held in foreign offices | $0 |
| Farm loans | $2,387 |
| Commercial and industrial loans | $250,747 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $12,208 |
| Credit card loans | $0 |
| Related Plans | $56 |
| Consumer Auto Loans | $2,083 |
| Other loans to individuals | $10,069 |
| All other loans & leases | $10,420 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $4,659 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $2,181 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $477 |
| Non 1-4 family restructured loans & leases | $477 |
| Total loans and leases (foreign) | $0 |
Country Club Bank had $932,443,000 of loans outstanding in 2018. $672,156,000 of loans were in real estate loans. $80,427,000 of loans were in development loans. $21,748,000 of loans were in multifamily mortgage loans. $156,377,000 of loans were in 1-4 family mortgage loans. $2,387,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,083,000 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 | 464 | $105,475 | $227,317 |
| Nonfarm, nonresidential loans - <$100k | 94 | $3,939 | $41,904 |
| Nonfarm, nonresidential loans - $100-250k | 154 | $18,792 | $122,026 |
| Nonfarm, nonresidential loans - $250k-1MM | 216 | $82,744 | $383,074 |
| Commercial & Industrial, US addressed loans - <$1MM | 1,201 | $99,969 | $83,238 |
| Commercial & Industrial, US addressed loans - <$100k | 684 | $14,823 | $21,671 |
| Commercial & Industrial, US addressed loans - $100-250k | 261 | $22,689 | $86,931 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 256 | $62,457 | $243,973 |
| Farmland loans - <$1MM | 40 | $4,529 | $113,225 |
| Farmland loans - <$100k | 17 | $697 | $41,000 |
| Farmland loans - $100-250k | 13 | $1,351 | $103,923 |
| Farmland loans - $250k-1MM | 10 | $2,481 | $248,100 |
| Agriculture operations loans - <$1MM | 56 | $2,382 | $42,536 |
| Agriculture operations loans - <$100k | 46 | $794 | $17,261 |
| Agriculture operations loans - $100-250k | 8 | $1,084 | $135,500 |
| Agriculture operations loans - $250k-1MM | 2 | $504 | $252,000 |