Csl Financial Mortgage Rates, Fees & Info

MONTGOMERY, AL

LEI: 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% 3/28/24
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

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Csl Financial. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

821

Origination Dollar Volume (All Markets)

$48,085,000

Top 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%
Csl Financial's top markets include Midland, Houston, Odessa, Austin, and Talladega among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)
  • Louisiana (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • Mississippi (FHA|USDA|VA)
  • 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

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 811 $47,655,000 $58,761 $0 9.55%
    10 Year 6 $180,000 $30,000 $0 8.62%
    15 Year 2 $100,000 $50,000 $0 8.12%
    20 Year 2 $150,000 $75,000 $0 9.37%

    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

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 464 $24,300,000 $52,371 $0 9.73%
    $50k-75k 200 $12,900,000 $64,500 $0 9.38%
    $75k-100k 88 $6,080,000 $69,091 $0 9.34%
    $100k-150k 49 $3,515,000 $71,735 $0 9.01%
    $150k-250k 18 $1,160,000 $64,444 $0 9.02%
    $250k+ 2 $130,000 $65,000 $0 8.24%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 217 $12,695,000 $58,502 $0 9.61%
    20-30% 202 $11,420,000 $56,535 $0 9.62%
    42% 86 $5,060,000 $58,837 $0 9.56%
    <20% 66 $3,550,000 $53,788 $0 9.08%
    41% 52 $3,250,000 $62,500 $0 9.46%
    40% 46 $2,820,000 $61,304 $0 9.67%
    38% 44 $2,820,000 $64,091 $0 9.65%
    37% 38 $2,530,000 $66,579 $0 9.45%
    36% 37 $2,065,000 $55,811 $0 9.38%
    39% 33 $1,875,000 $56,818 $0 9.48%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 619 $36,315,000 $58,667 $0 9.42%
    Black 116 $6,660,000 $57,414 $0 10.11%
    Not provided 56 $3,380,000 $60,357 $0 9.64%
    American Indian 28 $1,610,000 $57,500 $0 9.53%
    Asian 2 $120,000 $60,000 $0 10.49%

    Approval Rates

    Total approvals of all applications
    88.64%

    Csl Financial has an average approval rate.

    Pick Rate

    Approvals leading to origination
    50.79%

    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

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 821 $48,085,000 $58,569