Csl Financial Mortgage Rates, Fees & Info
MONTGOMERY, ALLEI: 5493000V86JDJLM0OV13
Tax ID: 45-5523107
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Csl Financial is a smaller mortgage company specializing in loans. Csl Financial has a high proportion of conventional loans. Their top markets by origination volume include: Lake Charles, Houston, Lafayette, Baton Rouge, and Birmingham among others. We have data for 131 markets. (Some data included below & more in-depth data is available with an active subscription.)Csl Financial has an 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 in 2021-- chances are they are still one in 2022.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 15 Year Conventional Purchase | 9.94% | 8/6/22 |
| 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. | ||
Originations
655Origination Dollar Volume (All Markets)
$53,545,000Top 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 | 144 | $11,520,000 | $80,000 | $0 | 8.28% |
| LAKE CHARLES, LA (FHA|USDA|VA) » | 25 | $2,145,000 | $85,800 | $0 | 8.07% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) » | 26 | $2,020,000 | $77,692 | $0 | 9.00% |
| LAFAYETTE, LA (FHA|USDA|VA) » | 23 | $1,665,000 | $72,391 | $0 | 8.32% |
| BATON ROUGE, LA (FHA|USDA|VA) » | 20 | $1,440,000 | $72,000 | $0 | 8.59% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) » | 14 | $1,330,000 | $95,000 | $0 | 8.33% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) » | 16 | $1,310,000 | $81,875 | $0 | 8.49% |
| HATTIESBURG, MS (FHA|USDA|VA) » | 13 | $1,045,000 | $80,385 | $0 | 8.72% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) » | 11 | $1,015,000 | $92,273 | $0 | 8.54% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) » | 10 | $970,000 | $97,000 | $0 | 7.64% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) » | 11 | $845,000 | $76,818 | $0 | 8.56% |
| ODESSA, TX (FHA|USDA|VA) » | 7 | $755,000 | $107,857 | $0 | 8.31% |
| Cullman, AL (FHA|USDA|VA) » | 8 | $730,000 | $91,250 | $0 | 8.52% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) » | 7 | $705,000 | $100,714 | $0 | 7.35% |
| Meridian, MS (FHA|USDA|VA) » | 9 | $695,000 | $77,222 | $0 | 8.16% |
| MIDLAND, TX (FHA|USDA|VA) » | 6 | $660,000 | $110,000 | $0 | 8.70% |
| COLUMBIA, SC (FHA|USDA|VA) » | 8 | $640,000 | $80,000 | $0 | 7.46% |
| El Dorado, AR (FHA|USDA|VA) » | 8 | $620,000 | $77,500 | $0 | 8.12% |
| Laurel, MS (FHA|USDA|VA) » | 8 | $600,000 | $75,000 | $0 | 7.55% |
| MONTGOMERY, AL (FHA|USDA|VA) » | 7 | $585,000 | $83,571 | $0 | 7.74% |
| HAMMOND, LA (FHA|USDA|VA) » | 6 | $580,000 | $96,667 | $0 | 8.57% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) » | 6 | $560,000 | $93,333 | $0 | 8.12% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) » | 7 | $555,000 | $79,286 | $0 | 8.06% |
| Lumberton, NC (FHA|USDA|VA) » | 7 | $545,000 | $77,857 | $0 | 9.10% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) » | 6 | $520,000 | $86,667 | $0 | 7.99% |
| MOBILE, AL (FHA|USDA|VA) » | 6 | $510,000 | $85,000 | $0 | 8.24% |
| JACKSON, MS (FHA|USDA|VA) » | 5 | $495,000 | $99,000 | $0 | 8.09% |
| PINE BLUFF, AR (FHA|USDA|VA) » | 6 | $480,000 | $80,000 | $0 | 7.32% |
| TUSCALOOSA, AL (FHA|USDA|VA) » | 6 | $470,000 | $78,333 | $0 | 7.74% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) » | 5 | $465,000 | $93,000 | $0 | 7.59% |
| Shawnee, OK (FHA|USDA|VA) » | 3 | $455,000 | $151,667 | $0 | 7.49% |
| HUNTSVILLE, AL (FHA|USDA|VA) » | 7 | $445,000 | $63,571 | $0 | 7.28% |
| DeRidder, LA (FHA|USDA|VA) » | 4 | $440,000 | $110,000 | $0 | 7.49% |
| Opelousas, LA (FHA|USDA|VA) » | 6 | $440,000 | $73,333 | $0 | 8.70% |
| Tupelo, MS (FHA|USDA|VA) » | 6 | $420,000 | $70,000 | $0 | 8.62% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) » | 6 | $420,000 | $70,000 | $0 | 7.37% |
| Fort Payne, AL (FHA|USDA|VA) » | 6 | $410,000 | $68,333 | $0 | 8.37% |
| DECATUR, AL (FHA|USDA|VA) » | 5 | $405,000 | $81,000 | $0 | 8.44% |
| MONROE, LA (FHA|USDA|VA) » | 6 | $390,000 | $65,000 | $0 | 8.87% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) » | 5 | $385,000 | $77,000 | $0 | 8.44% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) » | 4 | $380,000 | $95,000 | $0 | 8.18% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) » | 4 | $380,000 | $95,000 | $0 | 8.49% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) » | 5 | $365,000 | $73,000 | $0 | 7.24% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) » | 4 | $350,000 | $87,500 | $0 | 9.05% |
| Searcy, AR (FHA|USDA|VA) » | 5 | $335,000 | $67,000 | $0 | 7.94% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) » | 4 | $330,000 | $82,500 | $0 | 8.62% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) » | 4 | $320,000 | $80,000 | $0 | 7.93% |
| Starkville, MS (FHA|USDA|VA) » | 3 | $305,000 | $101,667 | $0 | 7.99% |
| Troy, AL (FHA|USDA|VA) » | 3 | $275,000 | $91,667 | $0 | 7.41% |
| VICTORIA, TX (FHA|USDA|VA) » | 4 | $270,000 | $67,500 | $0 | 8.43% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) » | 3 | $245,000 | $81,667 | $0 | 7.41% |
| FORT SMITH, AR-OK (FHA|USDA|VA) » | 3 | $245,000 | $81,667 | $0 | 8.07% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) » | 3 | $235,000 | $78,333 | $0 | 7.99% |
| Lawrenceburg, TN (FHA|USDA|VA) » | 2 | $230,000 | $115,000 | $0 | 7.37% |
| Brookhaven, MS (FHA|USDA|VA) » | 3 | $225,000 | $75,000 | $0 | 8.66% |
| Bogalusa, LA (FHA|USDA|VA) » | 3 | $215,000 | $71,667 | $0 | 8.41% |
| JONESBORO, AR (FHA|USDA|VA) » | 2 | $210,000 | $105,000 | $0 | 7.99% |
| Jennings, LA (FHA|USDA|VA) » | 2 | $210,000 | $105,000 | $0 | 7.99% |
| GADSDEN, AL (FHA|USDA|VA) » | 2 | $210,000 | $105,000 | $0 | 9.24% |
| Lufkin, TX (FHA|USDA|VA) » | 2 | $200,000 | $100,000 | $0 | 7.37% |
| Alexander City, AL (FHA|USDA|VA) » | 3 | $195,000 | $65,000 | $0 | 7.57% |
| London, KY (FHA|USDA|VA) » | 3 | $195,000 | $65,000 | $0 | 9.24% |
| Paducah, KY-IL (FHA|USDA|VA) » | 1 | $195,000 | $195,000 | $0 | 7.99% |
| Corsicana, TX (FHA|USDA|VA) » | 2 | $190,000 | $95,000 | $0 | 8.37% |
| Kingsville, TX (FHA|USDA|VA) » | 1 | $185,000 | $185,000 | $0 | 7.49% |
| TYLER, TX (FHA|USDA|VA) » | 3 | $185,000 | $61,667 | $0 | 8.32% |
| FAYETTEVILLE, NC (FHA|USDA|VA) » | 2 | $180,000 | $90,000 | $0 | 7.62% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) » | 2 | $180,000 | $90,000 | $0 | 8.12% |
| Summerville, GA (FHA|USDA|VA) » | 2 | $180,000 | $90,000 | $0 | 8.99% |
| Danville, KY (FHA|USDA|VA) » | 1 | $175,000 | $175,000 | $0 | 7.74% |
| LONGVIEW, TX (FHA|USDA|VA) » | 2 | $170,000 | $85,000 | $0 | 7.99% |
| Camden, AR (FHA|USDA|VA) » | 2 | $170,000 | $85,000 | $0 | 7.62% |
| ROCKY MOUNT, NC (FHA|USDA|VA) » | 2 | $160,000 | $80,000 | $0 | 7.87% |
| TULSA, OK (FHA|USDA|VA) » | 1 | $155,000 | $155,000 | $0 | 7.49% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) » | 3 | $155,000 | $51,667 | $0 | 7.66% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) » | 2 | $150,000 | $75,000 | $0 | 8.74% |
| Cleveland, MS (FHA|USDA|VA) » | 2 | $140,000 | $70,000 | $0 | 8.99% |
| DOTHAN, AL (FHA|USDA|VA) » | 2 | $140,000 | $70,000 | $0 | 6.74% |
| Brevard, NC (FHA|USDA|VA) » | 1 | $135,000 | $135,000 | $0 | 6.99% |
| Huntsville, TX (FHA|USDA|VA) » | 1 | $135,000 | $135,000 | $0 | 7.24% |
| Georgetown, SC (FHA|USDA|VA) » | 1 | $135,000 | $135,000 | $0 | 8.99% |
| Pecos, TX (FHA|USDA|VA) » | 2 | $130,000 | $65,000 | $0 | 9.12% |
| GREENVILLE, NC (FHA|USDA|VA) » | 2 | $130,000 | $65,000 | $0 | 7.37% |
| Forrest City, AR (FHA|USDA|VA) » | 2 | $120,000 | $60,000 | $0 | 9.24% |
| Ozark, AL (FHA|USDA|VA) » | 1 | $115,000 | $115,000 | $0 | 6.74% |
| Helena-West Helena, AR (FHA|USDA|VA) » | 1 | $105,000 | $105,000 | $0 | 7.24% |
| Morgan City, LA (FHA|USDA|VA) » | 1 | $105,000 | $105,000 | $0 | 9.99% |
| KNOXVILLE, TN (FHA|USDA|VA) » | 1 | $95,000 | $95,000 | $0 | 10.99% |
| Alice, TX (FHA|USDA|VA) » | 1 | $95,000 | $95,000 | $0 | 6.49% |
| Ruston, LA (FHA|USDA|VA) » | 2 | $90,000 | $45,000 | $0 | 9.24% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) » | 2 | $90,000 | $45,000 | $0 | 10.37% |
| Clarksdale, MS (FHA|USDA|VA) » | 1 | $85,000 | $85,000 | $0 | 8.99% |
| Kinston, NC (FHA|USDA|VA) » | 1 | $85,000 | $85,000 | $0 | 7.49% |
| McAlester, OK (FHA|USDA|VA) » | 1 | $85,000 | $85,000 | $0 | 7.24% |
| Morehead City, NC (FHA|USDA|VA) » | 1 | $85,000 | $85,000 | $0 | 9.99% |
| FLORENCE, SC (FHA|USDA|VA) » | 1 | $85,000 | $85,000 | $0 | 7.99% |
| Harrison, AR (FHA|USDA|VA) » | 1 | $85,000 | $85,000 | $0 | 7.24% |
| Albertville, AL (FHA|USDA|VA) » | 1 | $85,000 | $85,000 | $0 | 7.24% |
| Port Lavaca, TX (FHA|USDA|VA) » | 1 | $85,000 | $85,000 | $0 | 7.49% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) » | 2 | $80,000 | $40,000 | $0 | 9.12% |
| Grenada, MS (FHA|USDA|VA) » | 1 | $75,000 | $75,000 | $0 | 7.49% |
| LaGrange, GA-AL (FHA|USDA|VA) » | 1 | $75,000 | $75,000 | $0 | 7.49% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) » | 1 | $75,000 | $75,000 | $0 | 9.99% |
| Campbellsville, KY (FHA|USDA|VA) » | 1 | $75,000 | $75,000 | $0 | 7.49% |
| ALEXANDRIA, LA (FHA|USDA|VA) » | 1 | $75,000 | $75,000 | $0 | 7.99% |
| Duncan, OK (FHA|USDA|VA) » | 1 | $75,000 | $75,000 | $0 | 9.99% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) » | 1 | $75,000 | $75,000 | $0 | 8.99% |
| Cedartown, GA (FHA|USDA|VA) » | 1 | $75,000 | $75,000 | $0 | 9.49% |
| Natchitoches, LA (FHA|USDA|VA) » | 1 | $75,000 | $75,000 | $0 | 7.49% |
| EL PASO, TX (FHA|USDA|VA) » | 1 | $65,000 | $65,000 | $0 | 8.24% |
| LAWTON, OK (FHA|USDA|VA) » | 1 | $65,000 | $65,000 | $0 | 8.24% |
| Hope, AR (FHA|USDA|VA) » | 1 | $65,000 | $65,000 | $0 | 7.49% |
| Magnolia, AR (FHA|USDA|VA) » | 1 | $65,000 | $65,000 | $0 | 7.74% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) » | 1 | $65,000 | $65,000 | $0 | 8.99% |
| GOLDSBORO, NC (FHA|USDA|VA) » | 1 | $65,000 | $65,000 | $0 | 8.99% |
| Fort Polk South, LA (FHA|USDA|VA) » | 1 | $65,000 | $65,000 | $0 | 8.74% |
| Orangeburg, SC (FHA|USDA|VA) » | 1 | $65,000 | $65,000 | $0 | 8.24% |
| Palestine, TX (FHA|USDA|VA) » | 1 | $65,000 | $65,000 | $0 | 8.99% |
| Rio Grande City-Roma, TX (FHA|USDA|VA) » | 1 | $65,000 | $65,000 | $0 | 9.49% |
| Rockingham, NC (FHA|USDA|VA) » | 1 | $65,000 | $65,000 | $0 | 8.24% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) » | 1 | $65,000 | $65,000 | $0 | 7.24% |
| Scottsboro, AL (FHA|USDA|VA) » | 1 | $55,000 | $55,000 | $0 | 7.49% |
| Jasper, AL (FHA|USDA|VA) » | 1 | $55,000 | $55,000 | $0 | 7.24% |
| LAREDO, TX (FHA|USDA|VA) » | 1 | $55,000 | $55,000 | $0 | 7.99% |
| Picayune, MS (FHA|USDA|VA) » | 1 | $55,000 | $55,000 | $0 | 7.99% |
| Pearsall, TX (FHA|USDA|VA) » | 1 | $55,000 | $55,000 | $0 | 9.74% |
| Natchez, MS-LA (FHA|USDA|VA) » | 1 | $55,000 | $55,000 | $0 | 7.99% |
| ASHEVILLE, NC (FHA|USDA|VA) » | 1 | $55,000 | $55,000 | $0 | 7.99% |
| Greenwood, SC (FHA|USDA|VA) » | 1 | $55,000 | $55,000 | $0 | 8.24% |
| ABILENE, TX (FHA|USDA|VA) » | 1 | $45,000 | $45,000 | $0 | 9.24% |
| Enterprise, AL (FHA|USDA|VA) » | 1 | $45,000 | $45,000 | $0 | 8.99% |
Csl Financial 's top markets include Lake Charles, Houston, Lafayette, Baton Rouge, and Birmingham among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional » | 655 | $53,545,000 | $81,748 | $0 | 8.25% |
For the 2021 period, Csl Financial 's most frequently originated loan type of loans were Conventional, with 655 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase » | 655 | $53,545,000 | $81,748 | $0 | 8.25% |
For the 2021, Csl Financial 's most frequently cited loan purpose of loans were Home Purchase, with 655 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other » | 648 | $53,180,000 | $82,068 | $0 | 8.24% |
| 20 Year » | 5 | $255,000 | $51,000 | $0 | 10.14% |
| 15 Year » | 2 | $110,000 | $55,000 | $0 | 8.12% |
For the 2021, Csl Financial 's most frequently cited loan length of loans were Other, with 648 originations. The 2nd most popular length of loans were 20 Year, with 5 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 7-8% » | 347 | $32,475,000 | $93,588 |
| Over 8% » | 244 | $16,930,000 | $69,385 |
| 6-7% » | 51 | $3,495,000 | $68,529 |
| 5-6% » | 13 | $645,000 | $49,615 |
During 2021, Csl Financial 's average interest rate of loans were 0.00%, while their most frequently originated rate bucket of loans were 7-8%, with 347 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100,000 or less » | 515 | $35,135,000 | $68,223 | $0 | 8.35% |
| $100k-200k » | 136 | $17,540,000 | $128,971 | $0 | 7.90% |
| $200k-400k » | 4 | $870,000 | $217,500 | $0 | 7.43% |
2021 saw Csl Financial place emphasis on $100,000 or less loans with 515 originations, totaling $35,135,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $50k or less » | 318 | $22,200,000 | $69,811 | $0 | 8.40% |
| $50k-75k » | 175 | $15,295,000 | $87,400 | $0 | 8.20% |
| $75k-100k » | 79 | $7,775,000 | $98,418 | $0 | 8.04% |
| $100k-150k » | 62 | $6,150,000 | $99,194 | $0 | 7.98% |
| $150k-250k » | 19 | $1,995,000 | $105,000 | $0 | 8.00% |
| $250k+ » | 2 | $130,000 | $65,000 | $0 | 6.99% |
Csl Financial lent most frequently to those with incomes in the $50k or less range, with 318 originations. The second most popular income band? $50k-75k, with 175 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% » | 148 | $11,600,000 | $78,378 | $0 | 8.27% |
| 30-36% » | 144 | $11,890,000 | $82,569 | $0 | 8.27% |
| 42% » | 70 | $5,810,000 | $83,000 | $0 | 8.39% |
| 41% » | 58 | $4,670,000 | $80,517 | $0 | 8.41% |
| <20% » | 45 | $2,815,000 | $62,556 | $0 | 7.95% |
| 36% » | 42 | $3,590,000 | $85,476 | $0 | 8.14% |
| 38% » | 41 | $3,585,000 | $87,439 | $0 | 8.32% |
| 39% » | 41 | $3,835,000 | $93,537 | $0 | 8.04% |
| 40% » | 36 | $3,030,000 | $84,167 | $0 | 8.19% |
| 37% » | 30 | $2,720,000 | $90,667 | $0 | 8.31% |
Csl Financial lent most frequently to those with DTI ratios of 20-30%, with 148 originations. The next most common DTI ratio? 30-36%, with 144 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White » | 459 | $37,885,000 | $82,538 | $0 | 8.08% |
| Black » | 129 | $10,245,000 | $79,419 | $0 | 8.69% |
| Not provided » | 50 | $4,100,000 | $82,000 | $0 | 8.70% |
| American Indian » | 12 | $840,000 | $70,000 | $0 | 8.59% |
| Asian » | 3 | $295,000 | $98,333 | $0 | 7.66% |
| Native Hawaiian or Islander » | 2 | $180,000 | $90,000 | $0 | 6.87% |
Approval Rates
Total approvals of all applications75.25%
Csl Financial has a below average approval rate.
Pick Rate
Approvals leading to origination59.39%
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 | 655 | $53,545,000 | $81,748 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| » | 655 | $53,545,000 | $81,748 |
