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: Midland, Houston, Odessa, Austin, and Talladega among others. We have data for 141 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 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
821Origination Dollar Volume (All Markets)
$48,085,000Top 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 | 186 | $10,920,000 | $58,710 | $0 | 9.28% |
| MIDLAND, TX (FHA|USDA|VA) | 37 | $2,265,000 | $61,216 | $0 | 10.67% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 28 | $1,630,000 | $58,214 | $0 | 9.80% |
| ODESSA, TX (FHA|USDA|VA) | 20 | $1,430,000 | $71,500 | $0 | 9.68% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 22 | $1,380,000 | $62,727 | $0 | 9.56% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 20 | $1,370,000 | $68,500 | $0 | 9.38% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 25 | $1,365,000 | $54,600 | $0 | 9.57% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 20 | $1,240,000 | $62,000 | $0 | 8.94% |
| LAFAYETTE, LA (FHA|USDA|VA) | 20 | $1,130,000 | $56,500 | $0 | 10.00% |
| BATON ROUGE, LA (FHA|USDA|VA) | 20 | $1,110,000 | $55,500 | $0 | 10.12% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 15 | $935,000 | $62,333 | $0 | 9.47% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 14 | $840,000 | $60,000 | $0 | 10.01% |
| Lumberton, NC (FHA|USDA|VA) | 14 | $790,000 | $56,429 | $0 | 10.22% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 12 | $700,000 | $58,333 | $0 | 9.03% |
| London, KY (FHA|USDA|VA) | 11 | $665,000 | $60,455 | $0 | 9.44% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 8 | $620,000 | $77,500 | $0 | 9.43% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 11 | $605,000 | $55,000 | $0 | 9.54% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 8 | $570,000 | $71,250 | $0 | 9.55% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 10 | $500,000 | $50,000 | $0 | 9.19% |
| COLUMBIA, SC (FHA|USDA|VA) | 8 | $430,000 | $53,750 | $0 | 9.62% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 6 | $430,000 | $71,667 | $0 | 9.28% |
| Searcy, AR (FHA|USDA|VA) | 6 | $420,000 | $70,000 | $0 | 9.03% |
| Meridian, MS (FHA|USDA|VA) | 9 | $415,000 | $46,111 | $0 | 9.21% |
| DOTHAN, AL (FHA|USDA|VA) | 6 | $410,000 | $68,333 | $0 | 8.91% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 6 | $410,000 | $68,333 | $0 | 9.32% |
| VICTORIA, TX (FHA|USDA|VA) | 6 | $370,000 | $61,667 | $0 | 9.57% |
| MOBILE, AL (FHA|USDA|VA) | 6 | $370,000 | $61,667 | $0 | 9.28% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 6 | $360,000 | $60,000 | $0 | 8.91% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 8 | $360,000 | $45,000 | $0 | 9.80% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 7 | $345,000 | $49,286 | $0 | 9.28% |
| JACKSON, MS (FHA|USDA|VA) | 4 | $320,000 | $80,000 | $0 | 9.37% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 6 | $320,000 | $53,333 | $0 | 10.99% |
| HATTIESBURG, MS (FHA|USDA|VA) | 6 | $310,000 | $51,667 | $0 | 10.20% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 5 | $305,000 | $61,000 | $0 | 8.64% |
| Orangeburg, SC (FHA|USDA|VA) | 5 | $305,000 | $61,000 | $0 | 8.64% |
| MONROE, LA (FHA|USDA|VA) | 7 | $285,000 | $40,714 | $0 | 9.92% |
| Tupelo, MS (FHA|USDA|VA) | 6 | $280,000 | $46,667 | $0 | 10.20% |
| HAMMOND, LA (FHA|USDA|VA) | 6 | $270,000 | $45,000 | $0 | 11.74% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 5 | $265,000 | $53,000 | $0 | 10.04% |
| DECATUR, AL (FHA|USDA|VA) | 5 | $265,000 | $53,000 | $0 | 8.89% |
| Ruston, LA (FHA|USDA|VA) | 5 | $255,000 | $51,000 | $0 | 9.19% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 5 | $235,000 | $47,000 | $0 | 10.29% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $235,000 | $78,333 | $0 | 7.82% |
| LOUISVILLE, KY (FHA|USDA|VA) | 3 | $235,000 | $78,333 | $0 | 7.91% |
| El Dorado, AR (FHA|USDA|VA) | 4 | $230,000 | $57,500 | $0 | 8.99% |
| FLORENCE, SC (FHA|USDA|VA) | 3 | $225,000 | $75,000 | $0 | 9.57% |
| Jasper, AL (FHA|USDA|VA) | 3 | $225,000 | $75,000 | $0 | 9.66% |
| DeRidder, LA (FHA|USDA|VA) | 3 | $225,000 | $75,000 | $0 | 10.49% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 4 | $220,000 | $55,000 | $0 | 9.74% |
| Albertville, AL (FHA|USDA|VA) | 3 | $215,000 | $71,667 | $0 | 8.82% |
| Cullman, AL (FHA|USDA|VA) | 4 | $210,000 | $52,500 | $0 | 10.68% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 5 | $205,000 | $41,000 | $0 | 9.79% |
| Opelousas, LA (FHA|USDA|VA) | 4 | $190,000 | $47,500 | $0 | 10.93% |
| Somerset, KY (FHA|USDA|VA) | 3 | $185,000 | $61,667 | $0 | 9.24% |
| Lawrenceburg, TN (FHA|USDA|VA) | 3 | $185,000 | $61,667 | $0 | 8.41% |
| ABILENE, TX (FHA|USDA|VA) | 3 | $175,000 | $58,333 | $0 | 10.16% |
| WILMINGTON, NC (FHA|USDA|VA) | 3 | $165,000 | $55,000 | $0 | 9.41% |
| Enterprise, AL (FHA|USDA|VA) | 3 | $165,000 | $55,000 | $0 | 9.66% |
| Forrest City, AR (FHA|USDA|VA) | 3 | $165,000 | $55,000 | $0 | 9.74% |
| Summerville, GA (FHA|USDA|VA) | 5 | $165,000 | $33,000 | $0 | 8.84% |
| Fort Polk South, LA (FHA|USDA|VA) | 3 | $155,000 | $51,667 | $0 | 10.16% |
| SUMTER, SC (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 9.24% |
| MONTGOMERY, AL (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 8.99% |
| Camden, AR (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 8.74% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 4 | $150,000 | $37,500 | $0 | 8.74% |
| Scottsboro, AL (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 8.49% |
| Alexander City, AL (FHA|USDA|VA) | 3 | $135,000 | $45,000 | $0 | 10.74% |
| Nacogdoches, TX (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 9.99% |
| NEW BERN, NC (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 8.62% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 9.37% |
| Georgetown, SC (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 9.62% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 8.87% |
| Jennings, LA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 8.24% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 6.99% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 3 | $115,000 | $38,333 | $0 | 9.49% |
| LONGVIEW, TX (FHA|USDA|VA) | 3 | $115,000 | $38,333 | $0 | 10.74% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 7.74% |
| Brookhaven, MS (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 10.87% |
| Corsicana, TX (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 9.12% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 8.12% |
| LAREDO, TX (FHA|USDA|VA) | 3 | $105,000 | $35,000 | $0 | 10.24% |
| Mount Sterling, KY (FHA|USDA|VA) | 3 | $105,000 | $35,000 | $0 | 9.91% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 12.62% |
| WACO, TX (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 8.62% |
| TULSA, OK (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 9.62% |
| Laurel, MS (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 9.37% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 9.62% |
| Beeville, TX (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 9.74% |
| Selma, AL (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 9.12% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 7.49% |
| Fort Payne, AL (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 8.49% |
| Weatherford, OK (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.99% |
| Tahlequah, OK (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 8.49% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.99% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.74% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 8.24% |
| Port Lavaca, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 10.24% |
| Starkville, MS (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 11.24% |
| Ada, OK (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.49% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.99% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.49% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.99% |
| Laurinburg, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.74% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.99% |
| Newberry, SC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.99% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.49% |
| West Point, MS (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $0 | 11.99% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $0 | 10.87% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 9.99% |
| Russellville, AR (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 7.74% |
| Helena-West Helena, AR (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.24% |
| Muskogee, OK (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 7.49% |
| Natchitoches, LA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 11.24% |
| Washington, NC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.49% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 9.49% |
| Seneca, SC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.49% |
| Bennettsville, SC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.49% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 9.99% |
| Dumas, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.99% |
| Malvern, AR (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 10.49% |
| Corinth, MS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 11.24% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.99% |
| Morgan City, LA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.24% |
| Magnolia, AR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.49% |
| Eufaula, AL-GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.99% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.49% |
| Troy, AL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.24% |
| Andrews, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 11.49% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.49% |
| ROME, GA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.49% |
| Kinston, NC (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 11.24% |
| Uvalde, TX (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 11.49% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.74% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.74% |
| Harrison, AR (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 9.74% |
| Hope, AR (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 9.49% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 9.49% |
| Richmond-Berea, KY (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.99% |
| Rio Grande City-Roma, TX (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 9.74% |
| Danville, KY (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 6.99% |
| Crossville, TN (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 | 821 | $48,085,000 | $58,569 | $0 | 9.54% |
For 2019, Csl Financial's most frequently originated type of loan was Conventional, with 821 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 821 | $48,085,000 | $58,569 | $0 | 9.54% |
For 2019, Csl Financial's most frequently cited loan purpose was Home Purchase, with 821 originations.
Loan Duration/Length
For 2019, Csl Financial's most frequently cited loan duration was Other, with 811 originations. The 2nd most popular length was 10 Year, with 6 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 645 | $35,745,000 | $55,419 |
| 7-8% | 155 | $11,055,000 | $71,323 |
| 6-7% | 21 | $1,285,000 | $61,190 |
During 2019, Csl Financial's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was Over 8%, with 645 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100,000 or less | 786 | $44,050,000 | $56,043 | $0 | 9.60% |
| $100k-200k | 35 | $4,035,000 | $115,286 | $0 | 8.15% |
2019 saw Csl Financial place emphasis on $100,000 or less loans with 786 originations, totaling $44,050,000 in origination value.
Applicant Income
Csl Financial lent most frequently to those with incomes in the $50k or less range, with 464 originations. The second most popular income band? $50k-75k, with 200 originations.
Applicant Debt to Income Ratio
Csl Financial lent most frequently to those with DTI ratios of 30-36%, with 217 originations. The next most common DTI ratio? 20-30%, with 202 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.64%
Csl Financial has an average approval rate.
Pick Rate
Approvals leading to origination50.79%
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 | 821 | $48,085,000 | $58,569 |