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: Lafayette, San Antonio, Birmingham, Baton Rouge, and Houston among others. We have data for 152 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% | 11/30/23 |
| 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
929Origination Dollar Volume (All Markets)
$93,225,000Top 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 | 200 | $20,730,000 | $103,650 | $0 | 7.92% |
| LAFAYETTE, LA (FHA|USDA|VA) | 36 | $3,690,000 | $102,500 | $0 | 8.04% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 28 | $2,680,000 | $95,714 | $0 | 7.98% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 27 | $2,665,000 | $98,704 | $0 | 8.50% |
| BATON ROUGE, LA (FHA|USDA|VA) | 28 | $2,480,000 | $88,571 | $0 | 8.44% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 25 | $2,155,000 | $86,200 | $0 | 7.88% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 16 | $1,730,000 | $108,125 | $0 | 7.91% |
| HATTIESBURG, MS (FHA|USDA|VA) | 18 | $1,720,000 | $95,556 | $0 | 8.62% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 14 | $1,680,000 | $120,000 | $0 | 8.29% |
| MIDLAND, TX (FHA|USDA|VA) | 12 | $1,670,000 | $139,167 | $0 | 8.85% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 18 | $1,660,000 | $92,222 | $0 | 7.87% |
| DECATUR, AL (FHA|USDA|VA) | 19 | $1,495,000 | $78,684 | $0 | 7.93% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 13 | $1,375,000 | $105,769 | $0 | 8.32% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 13 | $1,275,000 | $98,077 | $0 | 8.03% |
| Cullman, AL (FHA|USDA|VA) | 13 | $1,225,000 | $94,231 | $0 | 7.43% |
| Meridian, MS (FHA|USDA|VA) | 10 | $1,150,000 | $115,000 | $0 | 8.52% |
| COLUMBIA, SC (FHA|USDA|VA) | 10 | $1,120,000 | $112,000 | $0 | 7.77% |
| Jasper, AL (FHA|USDA|VA) | 9 | $1,075,000 | $119,444 | $0 | 8.08% |
| Laurel, MS (FHA|USDA|VA) | 10 | $1,040,000 | $104,000 | $0 | 7.82% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 11 | $1,035,000 | $94,091 | $0 | 8.06% |
| Picayune, MS (FHA|USDA|VA) | 8 | $980,000 | $122,500 | $0 | 8.02% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 9 | $955,000 | $106,111 | $0 | 8.32% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 9 | $925,000 | $102,778 | $0 | 7.77% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 9 | $915,000 | $101,667 | $0 | 7.66% |
| Morehead City, NC (FHA|USDA|VA) | 8 | $870,000 | $108,750 | $0 | 7.99% |
| Opelousas, LA (FHA|USDA|VA) | 10 | $860,000 | $86,000 | $0 | 8.12% |
| Tupelo, MS (FHA|USDA|VA) | 6 | $830,000 | $138,333 | $0 | 8.37% |
| PINE BLUFF, AR (FHA|USDA|VA) | 10 | $820,000 | $82,000 | $0 | 7.90% |
| TULSA, OK (FHA|USDA|VA) | 7 | $815,000 | $116,429 | $0 | 7.42% |
| JACKSON, MS (FHA|USDA|VA) | 7 | $775,000 | $110,714 | $0 | 7.78% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 7 | $775,000 | $110,714 | $0 | 7.74% |
| FLORENCE, SC (FHA|USDA|VA) | 7 | $765,000 | $109,286 | $0 | 8.88% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 7 | $745,000 | $106,429 | $0 | 7.78% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 6 | $740,000 | $123,333 | $0 | 8.74% |
| MOBILE, AL (FHA|USDA|VA) | 8 | $700,000 | $87,500 | $0 | 7.74% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 8 | $700,000 | $87,500 | $0 | 7.90% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 8 | $690,000 | $86,250 | $0 | 7.93% |
| Scottsboro, AL (FHA|USDA|VA) | 6 | $650,000 | $108,333 | $0 | 7.62% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 6 | $600,000 | $100,000 | $0 | 8.24% |
| Jennings, LA (FHA|USDA|VA) | 6 | $590,000 | $98,333 | $0 | 7.41% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 7 | $575,000 | $82,143 | $0 | 8.81% |
| MONROE, LA (FHA|USDA|VA) | 7 | $535,000 | $76,429 | $0 | 8.45% |
| Searcy, AR (FHA|USDA|VA) | 6 | $530,000 | $88,333 | $0 | 7.91% |
| TYLER, TX (FHA|USDA|VA) | 5 | $525,000 | $105,000 | $0 | 8.15% |
| Cedartown, GA (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $0 | 7.57% |
| El Dorado, AR (FHA|USDA|VA) | 6 | $520,000 | $86,667 | $0 | 7.95% |
| LONGVIEW, TX (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $0 | 7.74% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 5 | $495,000 | $99,000 | $0 | 7.84% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 4 | $480,000 | $120,000 | $0 | 7.49% |
| Lumberton, NC (FHA|USDA|VA) | 4 | $470,000 | $117,500 | $0 | 9.05% |
| Camden, AR (FHA|USDA|VA) | 5 | $465,000 | $93,000 | $0 | 7.99% |
| ABILENE, TX (FHA|USDA|VA) | 4 | $440,000 | $110,000 | $0 | 6.87% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 4 | $400,000 | $100,000 | $0 | 8.24% |
| London, KY (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $0 | 7.07% |
| Troy, AL (FHA|USDA|VA) | 5 | $385,000 | $77,000 | $0 | 9.19% |
| Brookhaven, MS (FHA|USDA|VA) | 4 | $380,000 | $95,000 | $0 | 8.18% |
| Albertville, AL (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $0 | 6.82% |
| DeRidder, LA (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $0 | 8.16% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $0 | 7.57% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 4 | $340,000 | $85,000 | $0 | 8.74% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 4 | $340,000 | $85,000 | $0 | 7.74% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 4 | $330,000 | $82,500 | $0 | 7.55% |
| Morgan City, LA (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $0 | 7.91% |
| HAMMOND, LA (FHA|USDA|VA) | 4 | $320,000 | $80,000 | $0 | 7.43% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 4 | $320,000 | $80,000 | $0 | 7.93% |
| MONTGOMERY, AL (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $0 | 8.49% |
| Jacksonville, TX (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $0 | 8.32% |
| Grenada, MS (FHA|USDA|VA) | 3 | $305,000 | $101,667 | $0 | 7.41% |
| Clarksdale, MS (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $0 | 8.91% |
| Greenwood, SC (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $0 | 7.82% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 4 | $280,000 | $70,000 | $0 | 8.38% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 4 | $280,000 | $70,000 | $0 | 7.80% |
| Kerrville, TX (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 7.24% |
| KNOXVILLE, TN (FHA|USDA|VA) | 3 | $265,000 | $88,333 | $0 | 9.49% |
| ODESSA, TX (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 9.87% |
| Washington, NC (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $0 | 9.07% |
| Bogalusa, LA (FHA|USDA|VA) | 3 | $245,000 | $81,667 | $0 | 8.41% |
| Somerset, KY (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 7.74% |
| GADSDEN, AL (FHA|USDA|VA) | 3 | $235,000 | $78,333 | $0 | 9.24% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 3 | $235,000 | $78,333 | $0 | 8.74% |
| NEW BERN, NC (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 8.37% |
| Shawnee, OK (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 8.99% |
| Pearsall, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 7.24% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 3 | $225,000 | $75,000 | $0 | 8.16% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 9.62% |
| Lawrenceburg, TN (FHA|USDA|VA) | 3 | $205,000 | $68,333 | $0 | 7.66% |
| Magnolia, AR (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 8.37% |
| Ruston, LA (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 7.99% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 7.99% |
| Starkville, MS (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 7.49% |
| McComb, MS (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 9.12% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 7.37% |
| JONESBORO, AR (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 7.37% |
| Corinth, MS (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 6.37% |
| VICTORIA, TX (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 8.99% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 8.99% |
| Ponca City, OK (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 6.24% |
| Hope, AR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 8.99% |
| Ozark, AL (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 8.49% |
| Fort Payne, AL (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 6.49% |
| El Campo, TX (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 8.99% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 4.99% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 6.74% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 7.74% |
| Alexander City, AL (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 7.24% |
| McAlester, OK (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 6.99% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 7.99% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 6.99% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 8.49% |
| Summerville, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 4.99% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 6.24% |
| Selma, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 9.74% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 6.87% |
| Columbus, MS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 4.99% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 8.29% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 6.49% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 10.74% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 4.99% |
| WACO, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 7.24% |
| West Point, MS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 6.74% |
| Russellville, AR (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 10.24% |
| Oxford, MS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.79% |
| Eagle Pass, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.24% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.74% |
| Madisonville, KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.99% |
| Dublin, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.49% |
| Big Spring, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.99% |
| Uvalde, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.99% |
| Tahlequah, OK (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 7.49% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 7.99% |
| Indianola, MS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 8.49% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.24% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 8.19% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 5.74% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 5.24% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.49% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.99% |
| Nacogdoches, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.49% |
| Muskogee, OK (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.24% |
| Blytheville, AR (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.49% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.74% |
| Minden, LA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.99% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.49% |
| Andrews, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.29% |
| Brownwood, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 12.09% |
| Newberry, SC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 10.99% |
| Bennettsville, SC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 9.49% |
| Danville, KY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 7.49% |
| Alice, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.99% |
| Natchitoches, LA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.24% |
| Forrest City, AR (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.74% |
| Atmore, AL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.49% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 929 | $93,225,000 | $100,350 | $0 | 8.03% |
For 2022, Csl Financial's most frequently originated type of loan was Conventional, with 929 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 929 | $93,225,000 | $100,350 | $0 | 8.03% |
For 2022, Csl Financial's most frequently cited loan purpose was Home Purchase, with 929 originations.
Loan Duration/Length
For 2022, Csl Financial's most frequently cited loan duration was Other, with 907 originations. The 2nd most popular length was 15 Year, with 14 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 389 | $36,925,000 | $94,923 |
| 7-8% | 341 | $36,735,000 | $107,727 |
| 6-7% | 151 | $15,305,000 | $101,358 |
| 5-6% | 35 | $3,135,000 | $89,571 |
| 4-5% | 13 | $1,125,000 | $86,538 |
During 2022, Csl Financial's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was Over 8%, with 389 originations.
Loan Sizing
2022 saw Csl Financial place emphasis on $100,000 or less loans with 569 originations, totaling $43,095,000 in origination value.
Applicant Income
Csl Financial lent most frequently to those with incomes in the $50k or less range, with 346 originations. The second most popular income band? $50k-75k, with 289 originations.
Applicant Debt to Income Ratio
Csl Financial lent most frequently to those with DTI ratios of 30-36%, with 228 originations. The next most common DTI ratio? 20-30%, with 222 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications43.44%
Csl Financial has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination-274.38%
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 | 929 | $93,225,000 | $100,350 |