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, Houston, Birmingham, Austin, and San Antonio among others. We have data for 130 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
685Origination Dollar Volume (All Markets)
$41,585,000Top 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 | 161 | $9,975,000 | $61,957 | $0 | 8.39% |
| LAFAYETTE, LA (FHA|USDA|VA) | 31 | $1,785,000 | $57,581 | $0 | 9.09% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 29 | $1,755,000 | $60,517 | $0 | 8.92% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 26 | $1,650,000 | $63,462 | $0 | 8.40% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 17 | $1,075,000 | $63,235 | $0 | 8.77% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 14 | $1,050,000 | $75,000 | $0 | 8.44% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 17 | $965,000 | $56,765 | $0 | 8.81% |
| ODESSA, TX (FHA|USDA|VA) | 12 | $850,000 | $70,833 | $0 | 9.09% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 13 | $835,000 | $64,231 | $0 | 8.37% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 11 | $755,000 | $68,636 | $0 | 8.15% |
| BATON ROUGE, LA (FHA|USDA|VA) | 15 | $705,000 | $47,000 | $0 | 8.34% |
| Lumberton, NC (FHA|USDA|VA) | 8 | $580,000 | $72,500 | $0 | 10.08% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 10 | $560,000 | $56,000 | $0 | 8.19% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 11 | $555,000 | $50,455 | $0 | 8.74% |
| London, KY (FHA|USDA|VA) | 8 | $510,000 | $63,750 | $0 | 8.65% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 7 | $505,000 | $72,143 | $0 | 8.95% |
| TULSA, OK (FHA|USDA|VA) | 7 | $475,000 | $67,857 | $0 | 8.42% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 10 | $470,000 | $47,000 | $0 | 8.59% |
| DECATUR, AL (FHA|USDA|VA) | 10 | $470,000 | $47,000 | $0 | 8.44% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 6 | $470,000 | $78,333 | $0 | 7.99% |
| MIDLAND, TX (FHA|USDA|VA) | 8 | $460,000 | $57,500 | $0 | 9.55% |
| HATTIESBURG, MS (FHA|USDA|VA) | 6 | $370,000 | $61,667 | $0 | 9.45% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 6 | $370,000 | $61,667 | $0 | 8.03% |
| LONGVIEW, TX (FHA|USDA|VA) | 6 | $370,000 | $61,667 | $0 | 9.20% |
| Laurel, MS (FHA|USDA|VA) | 5 | $365,000 | $73,000 | $0 | 8.84% |
| Meridian, MS (FHA|USDA|VA) | 5 | $345,000 | $69,000 | $0 | 7.99% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 4 | $340,000 | $85,000 | $0 | 7.99% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 5 | $335,000 | $67,000 | $0 | 7.89% |
| HAMMOND, LA (FHA|USDA|VA) | 7 | $335,000 | $47,857 | $0 | 8.03% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 5 | $335,000 | $67,000 | $0 | 8.29% |
| DeRidder, LA (FHA|USDA|VA) | 6 | $330,000 | $55,000 | $0 | 7.91% |
| MOBILE, AL (FHA|USDA|VA) | 5 | $325,000 | $65,000 | $0 | 8.19% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 4 | $310,000 | $77,500 | $0 | 8.30% |
| JACKSON, MS (FHA|USDA|VA) | 6 | $300,000 | $50,000 | $0 | 8.57% |
| GADSDEN, AL (FHA|USDA|VA) | 5 | $295,000 | $59,000 | $0 | 9.24% |
| Tupelo, MS (FHA|USDA|VA) | 5 | $275,000 | $55,000 | $0 | 8.49% |
| Fort Polk South, LA (FHA|USDA|VA) | 4 | $270,000 | $67,500 | $0 | 8.49% |
| PINE BLUFF, AR (FHA|USDA|VA) | 3 | $265,000 | $88,333 | $0 | 7.91% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 5 | $265,000 | $53,000 | $0 | 9.44% |
| Scottsboro, AL (FHA|USDA|VA) | 3 | $265,000 | $88,333 | $0 | 8.24% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 4 | $260,000 | $65,000 | $0 | 8.74% |
| Fort Payne, AL (FHA|USDA|VA) | 5 | $255,000 | $51,000 | $0 | 7.79% |
| Alice, TX (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $0 | 8.16% |
| Opelousas, LA (FHA|USDA|VA) | 5 | $225,000 | $45,000 | $0 | 8.19% |
| Jennings, LA (FHA|USDA|VA) | 3 | $215,000 | $71,667 | $0 | 8.91% |
| DOTHAN, AL (FHA|USDA|VA) | 4 | $210,000 | $52,500 | $0 | 7.24% |
| Lufkin, TX (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 8.12% |
| El Dorado, AR (FHA|USDA|VA) | 4 | $190,000 | $47,500 | $0 | 9.93% |
| Jasper, AL (FHA|USDA|VA) | 3 | $185,000 | $61,667 | $0 | 7.49% |
| Starkville, MS (FHA|USDA|VA) | 3 | $185,000 | $61,667 | $0 | 8.66% |
| VICTORIA, TX (FHA|USDA|VA) | 3 | $185,000 | $61,667 | $0 | 8.82% |
| COLUMBIA, SC (FHA|USDA|VA) | 4 | $180,000 | $45,000 | $0 | 8.12% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 3 | $165,000 | $55,000 | $0 | 9.57% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 3 | $165,000 | $55,000 | $0 | 9.16% |
| Brookhaven, MS (FHA|USDA|VA) | 3 | $155,000 | $51,667 | $0 | 8.74% |
| Columbus, MS (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 8.99% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 3 | $145,000 | $48,333 | $0 | 6.99% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 7.24% |
| Alexander City, AL (FHA|USDA|VA) | 3 | $135,000 | $45,000 | $0 | 9.49% |
| Andrews, TX (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 9.49% |
| Oxford, MS (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 9.24% |
| Brownwood, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 7.99% |
| Natchez, MS-LA (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 9.62% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 8.12% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 7.99% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 3 | $115,000 | $38,333 | $0 | 8.74% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 7.49% |
| Natchitoches, LA (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 7.74% |
| Forrest City, AR (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 7.24% |
| Orangeburg, SC (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 8.37% |
| Malvern, AR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.99% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.99% |
| Russellville, AR (FHA|USDA|VA) | 3 | $105,000 | $35,000 | $0 | 8.91% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.99% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 9.24% |
| Camden, AR (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 10.37% |
| MONTGOMERY, AL (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 8.99% |
| Huntsville, TX (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 10.24% |
| Athens, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 7.24% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 6.49% |
| Cullman, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 7.99% |
| Cleveland, MS (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 9.87% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 10.62% |
| LAREDO, TX (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 9.99% |
| Bogalusa, LA (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 10.37% |
| Searcy, AR (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 8.62% |
| Magnolia, AR (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 7.99% |
| McComb, MS (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 11.37% |
| Mount Sterling, KY (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 8.24% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 9.49% |
| Bainbridge, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 9.49% |
| Greenwood, MS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.74% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 8.99% |
| MONROE, LA (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 7.62% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.99% |
| Beeville, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.49% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.49% |
| Pecos, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.99% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.74% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 7.74% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.49% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.99% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 2 | $60,000 | $30,000 | $0 | 7.62% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.99% |
| Nacogdoches, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.49% |
| Kinston, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.74% |
| Pearsall, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.74% |
| Picayune, MS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.74% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.24% |
| Ruston, LA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.99% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.99% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.24% |
| Sulphur Springs, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.24% |
| Durant, OK (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.49% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.74% |
| Batesville, AR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.49% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.99% |
| Waycross, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.24% |
| Morgan City, LA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.99% |
| Minden, LA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.24% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 9.99% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.74% |
| Albertville, AL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.99% |
| Somerset, KY (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.99% |
| Richmond-Berea, KY (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.99% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.49% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.99% |
| Bardstown, KY (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.99% |
| Middlesborough, KY (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 6.49% |
| Atmore, AL (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 6.24% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 661 | $40,485,000 | $61,248 | $0 | 8.59% |
| HELOC | 24 | $1,100,000 | $45,833 | n/a | 8.42% |
For 2020, Csl Financial's most frequently originated type of loan was Conventional, with 661 originations. Their 2nd most popular type was HELOC, with 24 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 685 | $41,585,000 | $60,708 | $0 | 8.58% |
For 2020, Csl Financial's most frequently cited loan purpose was Home Purchase, with 685 originations.
Loan Duration/Length
For 2020, Csl Financial's most frequently cited loan duration was Other, with 675 originations. The 2nd most popular length was 15 Year, with 7 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 335 | $18,375,000 | $54,851 |
| 7-8% | 293 | $20,455,000 | $69,812 |
| 6-7% | 41 | $2,005,000 | $48,902 |
| 5-6% | 16 | $750,000 | $46,875 |
During 2020, Csl Financial's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was Over 8%, with 335 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100,000 or less | 644 | $36,810,000 | $57,158 | $0 | 8.63% |
| $100k-200k | 41 | $4,775,000 | $116,463 | $0 | 7.78% |
2020 saw Csl Financial place emphasis on $100,000 or less loans with 644 originations, totaling $36,810,000 in origination value.
Applicant Income
Csl Financial lent most frequently to those with incomes in the $50k or less range, with 392 originations. The second most popular income band? $50k-75k, with 168 originations.
Applicant Debt to Income Ratio
Csl Financial lent most frequently to those with DTI ratios of 20-30%, with 184 originations. The next most common DTI ratio? 30-36%, with 169 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications82.22%
Csl Financial has a below average approval rate.
Pick Rate
Approvals leading to origination44.09%
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 | 685 | $41,585,000 | $60,708 |