Csl Financial Mortgage Rates, Fees & Info
MONTGOMERY, ALLEI: 5493000V86JDJLM0OV13
Tax ID: 45-5523107
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Mortgage Data
Review & Overview
Csl Financial is a smaller mortgage company specializing in Home Purchase loans. Csl Financial has a high proportion of conventional loans. Their top markets by origination volume include: Houston, San Antonio, Austin, Lafayette, and Birmingham among others. We have data for 149 markets. (Some data included below & more in-depth data is available with an active subscription.)Csl Financial has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 15 Year Conventional Purchase | 7.89% | 12/16/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Csl Financial Mortgage Calculator
Your Estimates
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
774Origination Dollar Volume (All Markets)
$78,380,000Top 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 |
|---|---|---|---|---|---|
| Outside of Metro Areas | 174 | $18,130,000 | $104,195 | $1,840 | 9.26% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 49 | $5,135,000 | $104,796 | $1,459 | 9.11% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 26 | $3,000,000 | $115,385 | $1,587 | 9.66% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 19 | $2,475,000 | $130,263 | $945 | 9.33% |
| LAFAYETTE, LA (FHA|USDA|VA) | 22 | $2,140,000 | $97,273 | $2,163 | 9.23% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 16 | $1,520,000 | $95,000 | $1,890 | 9.39% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 15 | $1,515,000 | $101,000 | $786 | 8.70% |
| BATON ROUGE, LA (FHA|USDA|VA) | 18 | $1,510,000 | $83,889 | $1,775 | 9.62% |
| ODESSA, TX (FHA|USDA|VA) | 11 | $1,355,000 | $123,182 | $2,583 | 10.13% |
| DECATUR, AL (FHA|USDA|VA) | 15 | $1,345,000 | $89,667 | $1,283 | 9.40% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 11 | $1,105,000 | $100,455 | $1,989 | 9.52% |
| Opelousas, LA (FHA|USDA|VA) | 11 | $1,025,000 | $93,182 | $2,649 | 9.90% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 7 | $935,000 | $133,571 | $2,458 | 8.85% |
| JACKSON, MS (FHA|USDA|VA) | 6 | $830,000 | $138,333 | $3,311 | 9.65% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 8 | $820,000 | $102,500 | $2,638 | 9.12% |
| TULSA, OK (FHA|USDA|VA) | 6 | $800,000 | $133,333 | $1,672 | 8.62% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 15 | $775,000 | $51,667 | $1,007 | 9.68% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 8 | $760,000 | $95,000 | $1,869 | 9.12% |
| Laurel, MS (FHA|USDA|VA) | 8 | $750,000 | $93,750 | $2,097 | 9.60% |
| London, KY (FHA|USDA|VA) | 7 | $745,000 | $106,429 | $1,899 | 8.40% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 8 | $720,000 | $90,000 | $2,162 | 9.48% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 7 | $705,000 | $100,714 | $1,356 | 8.93% |
| MIDLAND, TX (FHA|USDA|VA) | 6 | $680,000 | $113,333 | $2,895 | 9.94% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 6 | $660,000 | $110,000 | $1,460 | 9.78% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 6 | $620,000 | $103,333 | $1,033 | 8.75% |
| Cullman, AL (FHA|USDA|VA) | 6 | $620,000 | $103,333 | $1,419 | 9.73% |
| Picayune, MS (FHA|USDA|VA) | 6 | $610,000 | $101,667 | $1,459 | 8.62% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 7 | $605,000 | $86,429 | $1,242 | 9.15% |
| MONROE, LA (FHA|USDA|VA) | 7 | $595,000 | $85,000 | $1,282 | 9.39% |
| Huntsville, TX (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $1,054 | 10.00% |
| Tupelo, MS (FHA|USDA|VA) | 5 | $565,000 | $113,000 | $3,066 | 8.89% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 5 | $565,000 | $113,000 | $3,697 | 10.17% |
| HATTIESBURG, MS (FHA|USDA|VA) | 6 | $560,000 | $93,333 | $2,214 | 9.72% |
| TYLER, TX (FHA|USDA|VA) | 8 | $560,000 | $70,000 | $673 | 8.89% |
| VICTORIA, TX (FHA|USDA|VA) | 6 | $540,000 | $90,000 | $506 | 8.88% |
| Meridian, MS (FHA|USDA|VA) | 6 | $500,000 | $83,333 | $1,550 | 9.33% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 4 | $480,000 | $120,000 | $2,586 | 9.37% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 4 | $470,000 | $117,500 | $1,958 | 8.20% |
| Morehead City, NC (FHA|USDA|VA) | 4 | $470,000 | $117,500 | $1,514 | 9.60% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 5 | $465,000 | $93,000 | $1,259 | 8.97% |
| COLUMBIA, SC (FHA|USDA|VA) | 4 | $450,000 | $112,500 | $1,506 | 8.72% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $2,399 | 8.47% |
| Lumberton, NC (FHA|USDA|VA) | 5 | $415,000 | $83,000 | $0 | 9.84% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 5 | $405,000 | $81,000 | $689 | 9.40% |
| Statesboro, GA (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $1,585 | 9.32% |
| McComb, MS (FHA|USDA|VA) | 4 | $390,000 | $97,500 | $1,608 | 9.54% |
| HAMMOND, LA (FHA|USDA|VA) | 4 | $390,000 | $97,500 | $851 | 8.88% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 4 | $390,000 | $97,500 | $1,220 | 9.85% |
| LONGVIEW, TX (FHA|USDA|VA) | 4 | $380,000 | $95,000 | $1,098 | 10.63% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $0 | 9.96% |
| Rockport, TX (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $1,187 | 10.34% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $3,084 | 8.19% |
| Minden, LA (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $1,741 | 9.62% |
| Scottsboro, AL (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $2,303 | 8.41% |
| Starkville, MS (FHA|USDA|VA) | 4 | $330,000 | $82,500 | $3,028 | 8.33% |
| FLORENCE, SC (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $1,423 | 8.99% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $6,354 | 7.37% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $2,109 | 9.09% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $1,465 | 10.01% |
| Orangeburg, SC (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $1,304 | 9.56% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $10 | 7.49% |
| Natchez, MS-LA (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $2,405 | 8.99% |
| Jasper, AL (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $1,675 | 8.59% |
| GREENVILLE, NC (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $1,956 | 7.42% |
| Lawrenceburg, TN (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $0 | 8.94% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 5 | $275,000 | $55,000 | $1,562 | 9.57% |
| Columbus, MS (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $1,597 | 8.69% |
| Kerrville, TX (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,966 | 9.64% |
| Searcy, AR (FHA|USDA|VA) | 3 | $245,000 | $81,667 | $3,185 | 8.89% |
| Lake City, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,767 | 7.64% |
| Jacksonville, TX (FHA|USDA|VA) | 3 | $225,000 | $75,000 | $875 | 8.42% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,593 | 8.89% |
| Shawnee, OK (FHA|USDA|VA) | 3 | $225,000 | $75,000 | $1,078 | 9.67% |
| El Dorado, AR (FHA|USDA|VA) | 3 | $225,000 | $75,000 | $0 | 9.97% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $1,775 | 9.87% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,494 | 9.24% |
| Greeneville, TN (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,121 | 9.04% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $1,467 | 8.44% |
| NEW BERN, NC (FHA|USDA|VA) | 3 | $205,000 | $68,333 | $1,865 | 7.84% |
| Alexander City, AL (FHA|USDA|VA) | 3 | $205,000 | $68,333 | $1,407 | 8.72% |
| Jesup, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,360 | 9.24% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $2,181 | 8.19% |
| Harrison, AR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,326 | 8.89% |
| Newberry, SC (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 9.79% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $55 | 10.34% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 8.84% |
| Albertville, AL (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $2,108 | 7.94% |
| GOLDSBORO, NC (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 9.64% |
| Batesville, AR (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $1,878 | 8.14% |
| Corinth, MS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,027 | 9.89% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 7.49% |
| Greenwood, MS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 10.14% |
| Ardmore, OK (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $1,832 | 9.04% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $55 | 10.14% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,840 | 8.74% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,068 | 9.39% |
| Tahlequah, OK (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $1,841 | 9.64% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $1,052 | 10.02% |
| Ruston, LA (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 9.74% |
| Magnolia, AR (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 10.54% |
| OCALA, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,722 | 6.89% |
| Union, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 8.84% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,568 | 8.09% |
| LAREDO, TX (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $605 | 11.47% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $961 | 9.42% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $639 | 8.09% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,612 | 8.99% |
| Palestine, TX (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $538 | 9.07% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $55 | 10.19% |
| Georgetown, SC (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $1,429 | 8.07% |
| Eufaula, AL-GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,054 | 8.09% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,667 | 6.64% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,657 | 8.24% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 5.49% |
| Durant, OK (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $2,154 | 8.44% |
| Hope, AR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,408 | 8.39% |
| Miami, OK (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 9.14% |
| Selma, AL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,613 | 11.29% |
| Pecos, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $55 | 10.14% |
| Vidalia, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.84% |
| Morgan City, LA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 10.14% |
| Jennings, LA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 9.14% |
| Ozark, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,309 | 9.24% |
| Pearsall, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,344 | 8.89% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,260 | 8.59% |
| Vicksburg, MS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,211 | 8.09% |
| Newport, TN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,161 | 8.39% |
| Brookhaven, MS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,142 | 8.39% |
| Kinston, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.99% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 8.64% |
| Oxford, MS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,785 | 10.79% |
| Ponca City, OK (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.94% |
| Washington, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,066 | 12.74% |
| Madisonville, KY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,475 | 10.04% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 11.04% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,462 | 7.14% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,334 | 6.64% |
| Laurinburg, NC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $994 | 12.04% |
| Natchitoches, LA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 10.14% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.24% |
| Russellville, AR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $972 | 8.64% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $909 | 9.39% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $835 | 7.29% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $863 | 9.99% |
| PINE BLUFF, AR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $825 | 12.04% |
| Cleveland, MS (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $1,705 | 7.79% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $800 | 7.29% |
| DeRidder, LA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 9.44% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 10.04% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 774 | $78,380,000 | $101,266 | $1,714 | 9.25% |
For 2023, Csl Financial's most frequently originated type of loan was Conventional, with 774 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 774 | $78,380,000 | $101,266 | $1,714 | 9.25% |
For 2023, Csl Financial's most frequently cited loan purpose was Home Purchase, with 774 originations.
Loan Duration/Length
For 2023, Csl Financial's most frequently cited loan duration was Other, with 727 originations. The 2nd most popular length was 15 Year, with 39 originations.
Origination Fees/Closing Costs
Csl Financial's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 247 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 654 | $67,350,000 | $102,982 |
| 7-8% | 89 | $8,195,000 | $92,079 |
| 6-7% | 29 | $2,585,000 | $89,138 |
| 5-6% | 2 | $250,000 | $125,000 |
During 2023, Csl Financial's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was Over 8%, with 654 originations.
Loan Sizing
2023 saw Csl Financial place emphasis on $100,000 or less loans with 446 originations, totaling $32,480,000 in origination value.
Applicant Income
Csl Financial lent most frequently to those with incomes in the $50k or less range, with 256 originations. The second most popular income band? $50k-75k, with 253 originations.
Applicant Debt to Income Ratio
Csl Financial lent most frequently to those with DTI ratios of 30-36%, with 173 originations. The next most common DTI ratio? 20-30%, with 172 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications41.58%
Csl Financial has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination-285.01%
Csl Financial has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 774 | $78,380,000 | $101,266 |