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, Midland, Dallas, Odessa, and San Antonio among others. We have data for 139 markets. (Some data included below & more in-depth data is available with an active subscription.)Csl Financial has an above 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% | 4/21/24 |
| 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
871Origination Dollar Volume (All Markets)
$50,175,000Top 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 | 177 | $10,415,000 | $58,842 | $0 | 9.41% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 37 | $2,425,000 | $65,541 | $0 | 9.65% |
| MIDLAND, TX (FHA|USDA|VA) | 36 | $2,220,000 | $61,667 | $0 | 10.55% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 28 | $1,630,000 | $58,214 | $0 | 9.66% |
| ODESSA, TX (FHA|USDA|VA) | 28 | $1,590,000 | $56,786 | $0 | 9.94% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 28 | $1,550,000 | $55,357 | $0 | 9.71% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 28 | $1,480,000 | $52,857 | $0 | 10.51% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 22 | $1,420,000 | $64,545 | $0 | 9.02% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 20 | $1,160,000 | $58,000 | $0 | 9.38% |
| MONROE, LA (FHA|USDA|VA) | 20 | $1,010,000 | $50,500 | $0 | 9.24% |
| LAFAYETTE, LA (FHA|USDA|VA) | 17 | $905,000 | $53,235 | $0 | 8.98% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 17 | $895,000 | $52,647 | $0 | 8.96% |
| COLUMBIA, SC (FHA|USDA|VA) | 13 | $785,000 | $60,385 | $0 | 9.03% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 13 | $765,000 | $58,846 | $0 | 10.01% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 12 | $740,000 | $61,667 | $0 | 9.80% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 11 | $635,000 | $57,727 | $0 | 9.33% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 12 | $630,000 | $52,500 | $0 | 9.91% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 13 | $625,000 | $48,077 | $0 | 9.84% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 10 | $620,000 | $62,000 | $0 | 9.54% |
| BATON ROUGE, LA (FHA|USDA|VA) | 11 | $495,000 | $45,000 | $0 | 10.44% |
| VICTORIA, TX (FHA|USDA|VA) | 8 | $480,000 | $60,000 | $0 | 10.02% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 8 | $480,000 | $60,000 | $0 | 9.80% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 10 | $450,000 | $45,000 | $0 | 10.77% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 7 | $405,000 | $57,857 | $0 | 8.99% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 7 | $405,000 | $57,857 | $0 | 9.99% |
| DOTHAN, AL (FHA|USDA|VA) | 8 | $400,000 | $50,000 | $0 | 8.83% |
| MOBILE, AL (FHA|USDA|VA) | 8 | $400,000 | $50,000 | $0 | 9.74% |
| DECATUR, AL (FHA|USDA|VA) | 7 | $385,000 | $55,000 | $0 | 8.45% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 7 | $385,000 | $55,000 | $0 | 9.99% |
| FLORENCE, SC (FHA|USDA|VA) | 7 | $375,000 | $53,571 | $0 | 11.13% |
| DeRidder, LA (FHA|USDA|VA) | 5 | $365,000 | $73,000 | $0 | 9.84% |
| Lumberton, NC (FHA|USDA|VA) | 7 | $355,000 | $50,714 | $0 | 9.88% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 6 | $350,000 | $58,333 | $0 | 9.32% |
| London, KY (FHA|USDA|VA) | 6 | $340,000 | $56,667 | $0 | 9.82% |
| JACKSON, MS (FHA|USDA|VA) | 6 | $340,000 | $56,667 | $0 | 10.53% |
| Shawnee, OK (FHA|USDA|VA) | 4 | $330,000 | $82,500 | $0 | 8.99% |
| Georgetown, SC (FHA|USDA|VA) | 6 | $330,000 | $55,000 | $0 | 10.53% |
| Lawrenceburg, TN (FHA|USDA|VA) | 4 | $300,000 | $75,000 | $0 | 9.18% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 4 | $280,000 | $70,000 | $0 | 9.37% |
| Tupelo, MS (FHA|USDA|VA) | 5 | $275,000 | $55,000 | $0 | 11.29% |
| Russellville, AR (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $0 | 9.07% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 5 | $275,000 | $55,000 | $0 | 9.74% |
| Huntsville, TX (FHA|USDA|VA) | 4 | $270,000 | $67,500 | $0 | 8.49% |
| El Dorado, AR (FHA|USDA|VA) | 5 | $255,000 | $51,000 | $0 | 9.69% |
| Big Spring, TX (FHA|USDA|VA) | 4 | $250,000 | $62,500 | $0 | 9.18% |
| Opelousas, LA (FHA|USDA|VA) | 5 | $245,000 | $49,000 | $0 | 9.49% |
| TULSA, OK (FHA|USDA|VA) | 5 | $245,000 | $49,000 | $0 | 9.94% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 4 | $230,000 | $57,500 | $0 | 8.43% |
| Andrews, TX (FHA|USDA|VA) | 3 | $225,000 | $75,000 | $0 | 9.41% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $215,000 | $71,667 | $0 | 10.91% |
| PINE BLUFF, AR (FHA|USDA|VA) | 3 | $215,000 | $71,667 | $0 | 8.24% |
| Cullman, AL (FHA|USDA|VA) | 4 | $210,000 | $52,500 | $0 | 10.12% |
| Athens, TX (FHA|USDA|VA) | 3 | $205,000 | $68,333 | $0 | 9.91% |
| Laurel, MS (FHA|USDA|VA) | 4 | $200,000 | $50,000 | $0 | 9.24% |
| Meridian, MS (FHA|USDA|VA) | 4 | $200,000 | $50,000 | $0 | 10.62% |
| GOLDSBORO, NC (FHA|USDA|VA) | 3 | $185,000 | $61,667 | $0 | 7.74% |
| Lufkin, TX (FHA|USDA|VA) | 3 | $185,000 | $61,667 | $0 | 10.74% |
| MONTGOMERY, AL (FHA|USDA|VA) | 3 | $185,000 | $61,667 | $0 | 8.99% |
| NEW BERN, NC (FHA|USDA|VA) | 3 | $185,000 | $61,667 | $0 | 9.82% |
| Port Lavaca, TX (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 7.99% |
| Greenwood, SC (FHA|USDA|VA) | 3 | $175,000 | $58,333 | $0 | 8.74% |
| Ruston, LA (FHA|USDA|VA) | 3 | $175,000 | $58,333 | $0 | 9.24% |
| LAREDO, TX (FHA|USDA|VA) | 4 | $170,000 | $42,500 | $0 | 10.24% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 3 | $165,000 | $55,000 | $0 | 7.91% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 4 | $160,000 | $40,000 | $0 | 9.74% |
| Searcy, AR (FHA|USDA|VA) | 3 | $155,000 | $51,667 | $0 | 10.66% |
| Fort Polk South, LA (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 10.37% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 9.49% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 8.74% |
| Starkville, MS (FHA|USDA|VA) | 3 | $125,000 | $41,667 | $0 | 10.41% |
| Jennings, LA (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 8.74% |
| Troy, AL (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 8.12% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 7.99% |
| HATTIESBURG, MS (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 8.87% |
| Orangeburg, SC (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 11.24% |
| ABILENE, TX (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 8.49% |
| Newberry, SC (FHA|USDA|VA) | 3 | $105,000 | $35,000 | $0 | 8.74% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.99% |
| Jasper, AL (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 10.87% |
| Seneca, SC (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 8.62% |
| Fort Payne, AL (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 7.99% |
| McComb, MS (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 10.49% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 11.12% |
| Brookhaven, MS (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 10.74% |
| Bogalusa, LA (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 9.99% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 7.99% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 7.99% |
| JONESBORO, AR (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 8.24% |
| Middlesborough, KY (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 9.74% |
| Camden, AR (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 9.24% |
| Pecos, TX (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 9.99% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.99% |
| Hope, AR (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 8.49% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 8.49% |
| Albertville, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 9.49% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 11.49% |
| Ponca City, OK (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 9.49% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.74% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.99% |
| McAlester, OK (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.99% |
| West Point, MS (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.99% |
| Pearsall, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 11.24% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.99% |
| Grenada, MS (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.24% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.99% |
| Natchitoches, LA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 7.99% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 11.24% |
| Bay City, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 7.99% |
| Batesville, AR (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 9.99% |
| Morgan City, LA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 10.49% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 9.74% |
| Nacogdoches, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 7.24% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.49% |
| Rockport, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 11.99% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 11.99% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.24% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.99% |
| Tahlequah, OK (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.49% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 11.24% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.24% |
| Eagle Pass, TX (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.74% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 12.99% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.99% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 11.99% |
| Somerset, KY (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 9.99% |
| Granbury, TX (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.99% |
| Oxford, MS (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 11.24% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 11.99% |
| Danville, KY (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 9.99% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 10.49% |
| Helena-West Helena, AR (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 10.49% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 10.74% |
| Scottsboro, AL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 10.24% |
| Bainbridge, GA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.24% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 11.24% |
| Columbus, MS (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 11.99% |
| Washington, NC (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 11.24% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 9.49% |
| Richmond-Berea, KY (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 6.99% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 871 | $50,175,000 | $57,606 | $0 | 9.63% |
For 2018, Csl Financial's most frequently originated type of loan was Conventional, with 871 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 871 | $50,175,000 | $57,606 | $0 | 9.63% |
For 2018, Csl Financial's most frequently cited loan purpose was Home Purchase, with 871 originations.
Loan Duration/Length
For 2018, Csl Financial's most frequently cited loan duration was Other, with 856 originations. The 2nd most popular length was 10 Year, with 6 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 703 | $38,495,000 | $54,758 |
| 7-8% | 144 | $10,350,000 | $71,875 |
| 6-7% | 24 | $1,330,000 | $55,417 |
During 2018, Csl Financial's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was Over 8%, with 703 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100,000 or less | 836 | $46,020,000 | $55,048 | $0 | 9.68% |
| $100k-200k | 35 | $4,155,000 | $118,714 | $0 | 8.46% |
2018 saw Csl Financial place emphasis on $100,000 or less loans with 836 originations, totaling $46,020,000 in origination value.
Applicant Income
Csl Financial lent most frequently to those with incomes in the $50k or less range, with 497 originations. The second most popular income band? $50k-75k, with 228 originations.
Applicant Debt to Income Ratio
Csl Financial lent most frequently to those with DTI ratios of 30-36%, with 209 originations. The next most common DTI ratio? 20-30%, with 202 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications90.09%
Csl Financial has an average approval rate.
Pick Rate
Approvals leading to origination23.65%
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 | 871 | $50,175,000 | $57,606 |