Country Club Mortgage, Inc. Mortgage Lending & HMDA Data, 2014
In 2014, Country Club Mortgage, Inc. of Visalia, CA reported 1,719 mortgage applications totaling $316.2 million, down 11% from 2013. The average application was for $183,966, and applicants reported an average income of $72,623. 81% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Fresno, CA (793), Visalia-Porterville, CA (743) and Hanford-Corcoran, CA (67) (applications in parentheses).
| Mortgage Company & Address | Country Club Mortgage, Inc. 3400 West Mineral King Ave Ste A Visalia, CA 93291 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 |
| Total Number of Mortgage Applications | 1,719 |
| Total Mortgage Loan Application Amount | $316,239,000 |
| Average Mortgage Loan Application Amount | $183,966 |
| Highest Mortgage Loan Application Amount | $890,000 |
| Average Applicant Income | $72,623 |
| Highest Applicant Income | $1,410,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Country Club Mortgage, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Country Club Mortgage, Inc. in 2014
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,568 | $287,068,000 | $183,000 | $890,000 | $71,000 | $1,088,000 |
| Refinancing | 116 | $24,066,000 | $207,000 | $666,000 | $86,000 | $440,000 |
| Home Improvement | 35 | $5,105,000 | $145,000 | $575,000 | $101,000 | $1,410,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Hispanic | 813 | $132,072,000 | $162,000 | $626,000 | $56,000 | $609,000 |
| White | 685 | $142,172,000 | $207,000 | $760,000 | $92,000 | $1,410,000 |
| Asian | 151 | $28,687,000 | $189,000 | $398,000 | $72,000 | $420,000 |
| Not Provided | 43 | $8,885,000 | $206,000 | $890,000 | $100,000 | $255,000 |
| Black or African American | 20 | $3,287,000 | $164,000 | $307,000 | $56,000 | $140,000 |
| American Indian or Alaskan Native | 4 | $685,000 | $171,000 | $204,000 | $126,000 | $255,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $451,000 | $150,000 | $179,000 | $40,000 | $52,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 753 | $127,667,000 | $169,000 | $421,000 | $55,000 | $263,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 720 | $140,803,000 | $195,000 | $890,000 | $95,000 | $1,410,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 141 | $23,356,000 | $165,000 | $387,000 | $46,000 | $91,000 |
| VA-guaranteed (Veterans Administration) | 105 | $24,413,000 | $232,000 | $575,000 | $80,000 | $228,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,396 | $258,048,000 | $184,000 | $890,000 | $73,000 | $1,410,000 |
| Application Withdrawn By Applicant | 226 | $41,797,000 | $184,000 | $760,000 | $72,000 | $648,000 |
| Application Denied By Financial Institution | 52 | $8,817,000 | $169,000 | $666,000 | $67,000 | $509,000 |
| Application Approved But Not Accepted | 29 | $5,255,000 | $181,000 | $464,000 | $106,000 | $1,088,000 |
| File Closed For Incompleteness | 16 | $2,322,000 | $145,000 | $288,000 | $44,000 | $95,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 26 | $4,552,000 | $175,000 | $666,000 | $43,000 | $188,000 |
| Credit History | 9 | $1,392,000 | $154,000 | $254,000 | $113,000 | $509,000 |
| Collateral | 7 | $1,242,000 | $177,000 | $626,000 | $124,000 | $384,000 |
| Employment History | 6 | $887,000 | $147,000 | $212,000 | $38,000 | $63,000 |
| Unverifiable Information | 2 | $262,000 | $131,000 | $172,000 | $34,000 | $42,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Country Club Mortgage, Inc.'s 2014 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Country Club Mortgage, Inc.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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