Country Club Bank Mortgage Rates, Fees & Info

Kansas City, MO

LEI: 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 and Refi loans. Country Club Bank has a high proportion of conventional loans. Their top markets by origination volume include: Kansas City, Naples, Cape Coral, Savannah, and St. Joseph 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

119

Origination Dollar Volume (All Markets)

$36,855,000

Employee count

387

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) 111 $34,655,000 $312,207 $0 0.00%
Outside of Metro Areas 3 $945,000 $315,000 $0 0.00%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $415,000 $415,000 $0 0.00%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $365,000 $365,000 $0 0.00%
SAVANNAH, GA (FHA|USDA|VA) 1 $355,000 $355,000 $0 0.00%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $75,000 $75,000 $0 0.00%
Kirksville, MO (FHA|USDA|VA) 1 $45,000 $45,000 $0 0.00%
Country Club Bank's top markets include Kansas City, Naples, Cape Coral, Savannah, and St. Joseph among others.

Their top states include:
  • Kansas (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 119 $36,855,000 $309,706 $0 0.00%

    For 2019, Country Club Bank's most frequently originated type of loan was Conventional, with 119 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 83 $25,545,000 $307,771 $0 0.00%
    Home Improvement 14 $1,390,000 $99,286 $0 0.00%
    Refi 12 $7,580,000 $631,667 $0 0.00%
    Cash Out Refi 10 $2,340,000 $234,000 $0 0.00%

    For 2019, Country Club Bank's most frequently cited loan purpose was Home Purchase, with 83 originations. The 2nd most popular reason was Home Improvement, with 14 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 119 $36,855,000 $309,706 $0 0.00%

    For 2019, Country Club Bank's most frequently cited loan duration was Other, with 119 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 36 $4,870,000 $135,278 $0 0.00%
    $100,000 or less 32 $1,950,000 $60,938 $0 0.00%
    $200k-400k 31 $8,615,000 $277,903 $0 0.00%
    $600k-1MM 8 $6,360,000 $795,000 $0 0.00%
    $1MM+ 7 $12,675,000 $1,810,714 $0 0.00%
    $400k-600k 5 $2,385,000 $477,000 $0 0.00%

    2019 saw Country Club Bank place emphasis on $100k-200k loans with 36 originations, totaling $4,870,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 25 $12,585,000 $503,400 $0 0.00%
    $100k-150k 13 $2,695,000 $207,308 $0 0.00%
    $50k-75k 9 $1,495,000 $166,111 $0 0.00%
    $150k-250k 7 $1,375,000 $196,429 $0 0.00%
    $75k-100k 7 $2,525,000 $360,714 $0 0.00%
    $50k or less 5 $325,000 $65,000 $0 0.00%

    Country Club Bank lent most frequently to those with incomes in the $250k+ range, with 25 originations. The second most popular income band? $100k-150k, with 13 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 119 $36,855,000 $309,706 $0 0.00%

    Country Club Bank lent most frequently to those with DTI ratios of Exempt%, with 119 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 67 $20,415,000 $304,701 $0 0.00%
    Not applicable 50 $14,690,000 $293,800 $0 0.00%
    Black 1 $1,505,000 $1,505,000 $0 0.00%
    Asian Indian 1 $245,000 $245,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    96.24%

    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
    93.28%

    Country Club Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 119 $36,855,000 $309,706

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 8 $8,050,000 $1,006,250
    Single Family (1-4 Units):Site-Built 111 $28,805,000 $259,505

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    CENTERSTATE BANK CORPORATION Conventional home mortgage Trouble during payment process 1 50.0%
    CENTERSTATE BANK CORPORATION VA mortgage Applying for a mortgage or refinancing an existing 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 $15,416
    Country Club Bank 1000 W Foxwood Drive Raymore, MO 64083 Full Service B&M $26,723
    Country Club Bank 10000 Wornall Road Kansas City, MO 64114 Full Service B&M $4,252
    Country Club Bank 1100 Main Street, Suite 200 Kansas City, MO 64105 Full Service B&M $65,296
    Country Club Bank 11006 Parallel Parkway Kansas City, KS 66109 Full Service B&M $29,348
    Country Club Bank 11181 Overbrook Road Leawood, KS 66211 Full Service B&M $123,594
    Country Club Bank 13451 Briar Street Leawood, KS 66209 Full Service B&M $101,235
    Country Club Bank 1601-1603 South Commercial Street Harrisonville, MO 64701 Full Service B&M $58,096
    Country Club Bank 1703 North 291 Highway Harrisonville, MO 64701 Full Service B&M $2,938
    Country Club Bank 2001 Shawnee Mission Parkway Shawnee Mission, KS 66205 Full Service B&M $78,989
    Country Club Bank 202 East North Avenue Belton, MO 64012 Full Service B&M $30,432
    Country Club Bank 21911 W. 66th Street Shawnee, KS 66226 Full Service B&M $72,040
    Country Club Bank 2310 South 4th Street Leavenworth, KS 66048 Full Service B&M $20,779
    Country Club Bank 3501 West 95th Street Shawnee Mission, KS 66206 Full Service B&M $1,993
    Country Club Bank 401 Armour Road North Kansas City, MO 64116 Full Service B&M $47,355
    Country Club Bank 401 Delaware Street Leavenworth, KS 66048 Full Service B&M $65,424
    Country Club Bank 414 Nichols Road Kansas City, MO 64112 Full Service B&M $185,580
    Country Club Bank 4301 Madison Kansas City, MO 64111 Full Service B&M $1,676
    Country Club Bank 4343 Belleview Avenue Kansas City, MO 64111 Full Service B&M $40,074
    Country Club Bank 8101 Mission Road Shawnee Mission, KS 66208 Full Service B&M $2,925
    Country Club Bank 831 Ne Woods Chapel Road Lees Summit, MO 64064 Full Service B&M $13,012
    Country Club Bank 9100 Park Lenexa, KS 66215 Full Service B&M $5,522
    Country Club Bank 9400 Mission Road Shawnee Mission, KS 66206 Full Service B&M $133,074
    Country Club Bank One Ward Parkway Kansas City, MO 64112 Full Service B&M $42,417

    For 2019, Country Club Bank had 24 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $58,736
    Net interest income $54,579
    Total noninterest income $39,543
    Gross Fiduciary activities income $12,652
    Service charges on deposit accounts $2,872
    Trading account gains and fees $8,619
    Additional Noninterest Income $15,400
    Pre-tax net operating income $23,376
    Securities gains (or losses, -) $35
    Income before extraordinary items $22,956
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $22,956
    Minority interest net income $0
    Net income $22,956
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $22,921

    Country Club Bank's gross interest income from loans was $58,736,000.
    Country Club Bank's net interest income from loans was $54,579,000.
    Country Club Bank's fee based income from loans was $2,872,000.
    Country Club Bank's net income from loans was $22,956,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $4,157
    Provision for credit losses $600
    Total noninterest expense $70,146
    Salaries and employee benefits $46,929
    Premises and equipment expense $6,311
    Additional noninterest expense $16,906
    Applicable income taxes $455
    Net charge-offs $265
    Cash dividends $22,000

    Country Club Bank's interest expense for loans was $4,157,000.
    Country Club Bank's payroll and benefits expense were $46,929,000.
    Country Club Bank's property, plant and equipment expenses $6,311,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 2.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    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 $1,276,516
    Deposits held in domestic offices $1,276,516
    Deposits by Individuals, partnerships, and corporations $1,224,327
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $30,045
    Deposits by Commercial banks and other depository institutions in U.S. $22,144
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $169,166
    Demand deposits $132,273
    Nontransaction accounts $1,107,350
    Money market deposit accounts (MMDAs) $373,411
    Other savings deposits (excluding MMDAs) $638,463
    Total time deposits $95,477
    Total time and savings deposits $1,144,243
    Noninterest-bearing deposits $487,591
    Interest-bearing deposits $788,924
    Retail deposits $1,249,097
    IRAs and Keogh plan accounts $14,180
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,489,226
    Cash & Balances due from depository institutions $153,854
    Interest-bearing balances $123,735
    Total securities $324,447
    Federal funds sold & reverse repurchase $2,640
    Net loans and leases $950,951
    Loan and leases loss allowance $15,810
    Trading account assets $7,182
    Bank premises and fixed assets $35,041
    Other real estate owned $594
    Goodwill and other intangibles $2,690
    All other assets $11,827

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,489,226
    Total Liabilities $1,340,932
    Total deposits $1,276,516
    Interest-bearing deposits $788,924
    Deposits held in domestic offices $1,276,516
    % insured (estimated) $74
    Federal funds purchased and repurchase agreements $48,346
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $16,070

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $950,951
    Loan and leases loss allowance $15,810
    Total loans and leases (domestic) $966,761
    All real estate loans $677,628
    Real estate loans in domestic offices $677,628
    Construction and development loans $83,140
    Residential 1-4 family construction $36,692
    Other construction, all land development and other land $46,448
    Loans secured by nonfarm nonresidential properties $406,681
    Nonfarm nonresidential secured by owner-occupied properties $242,263
    Commercial real estate & other non-farm, non-residential $164,418
    Multifamily residential real estate $26,568
    1-4 family residential loans $154,046
    Farmland loans $7,193
    Loans held in foreign offices $0
    Farm loans $1,708
    Commercial and industrial loans $267,517
    To non-U.S. addressees $0
    Loans to individuals $9,581
    Credit card loans $0
    Related Plans $45
    Consumer Auto Loans $2,018
    Other loans to individuals $7,518
    All other loans & leases $10,327
    Loans to foreign governments and official institutions $0
    Other loans $5,570
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $1,105
    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 $950,951,000 of loans outstanding in 2019. $677,628,000 of loans were in real estate loans. $83,140,000 of loans were in development loans. $26,568,000 of loans were in multifamily mortgage loans. $154,046,000 of loans were in 1-4 family mortgage loans. $1,708,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,018,000 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 457 $104,275 $228,173
    Nonfarm, nonresidential loans - <$100k 87 $3,351 $38,517
    Nonfarm, nonresidential loans - $100-250k 153 $18,419 $120,386
    Nonfarm, nonresidential loans - $250k-1MM 217 $82,505 $380,207
    Commercial & Industrial, US addressed loans - <$1MM 1,279 $115,534 $90,332
    Commercial & Industrial, US addressed loans - <$100k 734 $15,532 $21,161
    Commercial & Industrial, US addressed loans - $100-250k 268 $28,232 $105,343
    Commercial & Industrial, US addressed loans - $250k-1MM 277 $71,770 $259,097
    Farmland loans - <$1MM 34 $4,094 $120,412
    Farmland loans - <$100k 13 $545 $41,923
    Farmland loans - $100-250k 13 $1,425 $109,615
    Farmland loans - $250k-1MM 8 $2,124 $265,500
    Agriculture operations loans - <$1MM 51 $1,708 $33,490
    Agriculture operations loans - <$100k 42 $488 $11,619
    Agriculture operations loans - $100-250k 7 $844 $120,571
    Agriculture operations loans - $250k-1MM 2 $376 $188,000