Civic Financial Services Mortgage Rates, Fees & Info

Sacramento, CA

LEI: 5493006HWKBRUZIDS752

Tax ID: 46-2477192

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Civic Financial Services is a small mortgage company specializing in Home Purchase and Cash Out Refi loans. Civic Financial Services has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Atlanta, Miami, Seattle, and Phoenix among others. We have data for 270 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Civic Financial Services 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. They typically have relatively high rates.

    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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.27% 1/29/23
    30 Year Conventional Refi 6.27% 1/29/23
    30 Year Cash-out Refi 6.27% 1/29/23
    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.


    Originations

    4,610

    Origination Dollar Volume (All Markets)

    $1,743,380,000

    Relative Rate

    Civic Financial Services's average 30 year fixed mortgage rate was 5.43%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 2.28%.

    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
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 246 $308,950,000 $1,255,894 $0 7.67%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 336 $117,680,000 $350,238 $0 6.77%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 299 $104,365,000 $349,047 $0 6.98%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 103 $79,445,000 $771,311 $0 7.39%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 96 $53,150,000 $553,646 $0 6.26%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 170 $50,010,000 $294,176 $0 6.53%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 106 $49,230,000 $464,434 $0 7.18%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 161 $40,015,000 $248,540 $0 7.05%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 144 $39,040,000 $271,111 $0 6.70%
    URBAN HONOLULU, HI (FHA|USDA|VA) 57 $36,285,000 $636,579 $0 7.92%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 123 $32,005,000 $260,203 $0 7.64%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 35 $31,875,000 $910,714 $0 8.20%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 132 $31,460,000 $238,333 $0 7.00%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 20 $30,670,000 $1,533,500 $0 8.82%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 67 $30,015,000 $447,985 $0 7.94%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 126 $29,120,000 $231,111 $0 6.78%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 75 $28,245,000 $376,600 $0 7.52%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 28 $28,040,000 $1,001,429 $0 7.87%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 57 $27,045,000 $474,474 $0 6.96%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 114 $25,560,000 $224,211 $0 7.24%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 59 $24,795,000 $420,254 $0 7.23%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 43 $23,935,000 $556,628 $0 7.13%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 39 $21,195,000 $543,462 $0 6.57%
    JACKSONVILLE, FL (FHA|USDA|VA) 68 $16,540,000 $243,235 $0 6.51%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 31 $15,275,000 $492,742 $0 7.72%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 40 $12,470,000 $311,750 $0 6.57%
    RENO, NV (FHA|USDA|VA) 17 $12,455,000 $732,647 $0 7.73%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 12 $12,430,000 $1,035,833 $0 8.64%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 42 $12,340,000 $293,810 $0 7.19%
    SALEM, OR (FHA|USDA|VA) 20 $12,270,000 $613,500 $0 7.19%
    YORK-HANOVER, PA (FHA|USDA|VA) 127 $12,245,000 $96,417 $0 5.45%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 10 $11,510,000 $1,151,000 $0 8.16%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 57 $11,425,000 $200,439 $0 6.38%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 63 $11,035,000 $175,159 $0 6.99%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 89 $10,125,000 $113,764 $0 5.60%
    KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 16 $9,890,000 $618,125 $0 8.06%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 14 $9,530,000 $680,714 $0 7.62%
    Outside of Metro Areas 30 $9,100,000 $303,333 $0 7.17%
    RICHMOND, VA (FHA|USDA|VA) 43 $8,205,000 $190,814 $0 6.33%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 44 $8,050,000 $182,955 $0 6.86%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 9 $7,685,000 $853,889 $0 8.49%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 27 $6,915,000 $256,111 $0 6.80%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 16 $6,900,000 $431,250 $0 7.17%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 18 $6,890,000 $382,778 $0 7.67%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 18 $6,510,000 $361,667 $0 6.93%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 35 $6,495,000 $185,571 $0 7.70%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 14 $6,380,000 $455,714 $0 5.50%
    RALEIGH-CARY, NC (FHA|USDA|VA) 22 $6,150,000 $279,545 $0 6.62%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 28 $5,970,000 $213,214 $0 6.51%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 19 $5,725,000 $301,316 $0 6.94%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 28 $5,650,000 $201,786 $0 7.00%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 13 $5,545,000 $426,538 $0 7.05%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 34 $5,320,000 $156,471 $0 7.18%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 41 $5,195,000 $126,707 $0 5.43%
    OCALA, FL (FHA|USDA|VA) 30 $5,140,000 $171,333 $0 5.94%
    BOISE CITY, ID (FHA|USDA|VA) 16 $5,050,000 $315,625 $0 6.78%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 12 $5,020,000 $418,333 $0 7.58%
    PITTSBURGH, PA (FHA|USDA|VA) 17 $5,015,000 $295,000 $0 6.21%
    ROCKY MOUNT, NC (FHA|USDA|VA) 15 $4,585,000 $305,667 $0 5.62%
    BAKERSFIELD, CA (FHA|USDA|VA) 24 $4,540,000 $189,167 $0 7.31%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 21 $4,405,000 $209,762 $0 6.46%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 10 $4,380,000 $438,000 $0 7.59%
    GETTYSBURG, PA (FHA|USDA|VA) 29 $4,235,000 $146,034 $0 5.49%
    BURLINGTON, NC (FHA|USDA|VA) 24 $4,220,000 $175,833 $0 5.22%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 10 $4,170,000 $417,000 $0 7.13%
    Kapaa, HI (FHA|USDA|VA) 5 $4,095,000 $819,000 $0 7.94%
    Hilo, HI (FHA|USDA|VA) 10 $3,990,000 $399,000 $0 8.07%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 14 $3,980,000 $284,286 $0 5.95%
    SALT LAKE CITY, UT (FHA|USDA|VA) 7 $3,955,000 $565,000 $0 7.28%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 7 $3,885,000 $555,000 $0 7.68%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 8 $3,840,000 $480,000 $0 6.34%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 23 $3,815,000 $165,870 $0 7.57%
    PUNTA GORDA, FL (FHA|USDA|VA) 12 $3,500,000 $291,667 $0 6.67%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 21 $3,485,000 $165,952 $0 5.78%
    WILMINGTON, NC (FHA|USDA|VA) 6 $3,310,000 $551,667 $0 7.16%
    Statesboro, GA (FHA|USDA|VA) 1 $3,255,000 $3,255,000 $0 6.75%
    BEND, OR (FHA|USDA|VA) 10 $3,220,000 $322,000 $0 8.95%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 16 $3,070,000 $191,875 $0 5.90%
    Sevierville, TN (FHA|USDA|VA) 11 $2,685,000 $244,091 $0 7.02%
    KNOXVILLE, TN (FHA|USDA|VA) 17 $2,555,000 $150,294 $0 5.63%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 14 $2,440,000 $174,286 $0 6.27%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 15 $2,405,000 $160,333 $0 6.25%
    STOCKTON, CA (FHA|USDA|VA) 8 $2,280,000 $285,000 $0 8.21%
    Key West, FL (FHA|USDA|VA) 2 $2,280,000 $1,140,000 $0 8.25%
    FRESNO, CA (FHA|USDA|VA) 8 $2,260,000 $282,500 $0 6.45%
    JACKSONVILLE, NC (FHA|USDA|VA) 8 $2,150,000 $268,750 $0 7.41%
    FAYETTEVILLE, NC (FHA|USDA|VA) 17 $2,145,000 $126,176 $0 6.19%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 15 $2,135,000 $142,333 $0 5.64%
    ASHEVILLE, NC (FHA|USDA|VA) 5 $2,115,000 $423,000 $0 7.65%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 13 $2,075,000 $159,615 $0 6.80%
    VALLEJO, CA (FHA|USDA|VA) 5 $2,055,000 $411,000 $0 6.92%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 10 $2,010,000 $201,000 $0 7.60%
    COLUMBUS, GA-AL (FHA|USDA|VA) 12 $1,980,000 $165,000 $0 5.90%
    COLUMBUS, OH (FHA|USDA|VA) 9 $1,935,000 $215,000 $0 7.23%
    Port Angeles, WA (FHA|USDA|VA) 5 $1,845,000 $369,000 $0 5.30%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 6 $1,840,000 $306,667 $0 6.68%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 8 $1,790,000 $223,750 $0 7.34%
    ABILENE, TX (FHA|USDA|VA) 8 $1,730,000 $216,250 $0 6.38%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 12 $1,710,000 $142,500 $0 7.58%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $1,670,000 $835,000 $0 9.38%
    VISALIA, CA (FHA|USDA|VA) 6 $1,660,000 $276,667 $0 5.75%
    SAVANNAH, GA (FHA|USDA|VA) 8 $1,520,000 $190,000 $0 6.27%
    TALLAHASSEE, FL (FHA|USDA|VA) 12 $1,460,000 $121,667 $0 6.69%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 10 $1,370,000 $137,000 $0 6.19%
    PANAMA CITY, FL (FHA|USDA|VA) 7 $1,355,000 $193,571 $0 8.07%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 5 $1,325,000 $265,000 $0 6.65%
    REDDING, CA (FHA|USDA|VA) 5 $1,295,000 $259,000 $0 8.10%
    OCEAN CITY, NJ (FHA|USDA|VA) 4 $1,280,000 $320,000 $0 7.31%
    MERCED, CA (FHA|USDA|VA) 4 $1,270,000 $317,500 $0 5.94%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $1,220,000 $610,000 $0 8.87%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 2 $1,150,000 $575,000 $0 8.50%
    MADERA, CA (FHA|USDA|VA) 2 $1,110,000 $555,000 $0 7.25%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 3 $1,075,000 $358,333 $0 8.75%
    MEDFORD, OR (FHA|USDA|VA) 2 $1,060,000 $530,000 $0 8.50%
    COLUMBIA, SC (FHA|USDA|VA) 9 $1,055,000 $117,222 $0 6.45%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 7 $1,055,000 $150,714 $0 7.03%
    Outside of Metro Areas 2 $1,050,000 $525,000 $0 6.62%
    Moses Lake, WA (FHA|USDA|VA) 1 $1,035,000 $1,035,000 $0 4.75%
    MODESTO, CA (FHA|USDA|VA) 2 $1,030,000 $515,000 $0 9.63%
    Sulphur Springs, TX (FHA|USDA|VA) 3 $995,000 $331,667 $0 5.08%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 4 $980,000 $245,000 $0 5.43%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 6 $930,000 $155,000 $0 7.06%
    Easton, MD (FHA|USDA|VA) 1 $905,000 $905,000 $0 9.50%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 7 $855,000 $122,143 $0 5.32%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 4 $840,000 $210,000 $0 6.78%
    Quincy, IL-MO (FHA|USDA|VA) 4 $810,000 $202,500 $0 6.75%
    MIDLAND, TX (FHA|USDA|VA) 6 $800,000 $133,333 $0 6.14%
    TUCSON, AZ (FHA|USDA|VA) 4 $790,000 $197,500 $0 6.03%
    LUBBOCK, TX (FHA|USDA|VA) 2 $770,000 $385,000 $0 6.62%
    TYLER, TX (FHA|USDA|VA) 4 $750,000 $187,500 $0 5.12%
    EL CENTRO, CA (FHA|USDA|VA) 4 $750,000 $187,500 $0 9.18%
    CARSON CITY, NV (FHA|USDA|VA) 2 $720,000 $360,000 $0 7.75%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 4 $720,000 $180,000 $0 7.00%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 4 $700,000 $175,000 $0 6.56%
    Athens, TX (FHA|USDA|VA) 2 $700,000 $350,000 $0 6.12%
    WINSTON-SALEM, NC (FHA|USDA|VA) 6 $700,000 $116,667 $0 6.74%
    Shelton, WA (FHA|USDA|VA) 2 $690,000 $345,000 $0 6.87%
    AMARILLO, TX (FHA|USDA|VA) 5 $685,000 $137,000 $0 5.12%
    Oak Harbor, WA (FHA|USDA|VA) 2 $680,000 $340,000 $0 7.00%
    Heber, UT (FHA|USDA|VA) 1 $655,000 $655,000 $0 4.99%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 4 $650,000 $162,500 $0 7.44%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 4 $630,000 $157,500 $0 7.93%
    Astoria, OR (FHA|USDA|VA) 1 $625,000 $625,000 $0 5.50%
    WENATCHEE, WA (FHA|USDA|VA) 2 $620,000 $310,000 $0 7.62%
    GAINESVILLE, GA (FHA|USDA|VA) 1 $605,000 $605,000 $0 8.88%
    Fredericksburg, TX (FHA|USDA|VA) 2 $590,000 $295,000 $0 6.87%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $590,000 $295,000 $0 7.50%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 6 $590,000 $98,333 $0 5.95%
    AKRON, OH (FHA|USDA|VA) 5 $585,000 $117,000 $0 5.24%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $585,000 $585,000 $0 8.99%
    MONROE, MI (FHA|USDA|VA) 2 $570,000 $285,000 $0 7.31%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 4 $550,000 $137,500 $0 7.84%
    Toccoa, GA (FHA|USDA|VA) 1 $545,000 $545,000 $0 7.99%
    Ukiah, CA (FHA|USDA|VA) 1 $525,000 $525,000 $0 8.50%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $520,000 $260,000 $0 5.81%
    PUEBLO, CO (FHA|USDA|VA) 2 $500,000 $250,000 $0 5.00%
    BELLINGHAM, WA (FHA|USDA|VA) 2 $490,000 $245,000 $0 8.49%
    Pahrump, NV (FHA|USDA|VA) 2 $490,000 $245,000 $0 8.75%
    Aberdeen, WA (FHA|USDA|VA) 2 $450,000 $225,000 $0 6.25%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $450,000 $225,000 $0 9.56%
    LONGVIEW, WA (FHA|USDA|VA) 2 $440,000 $220,000 $0 6.38%
    Roseburg, OR (FHA|USDA|VA) 2 $440,000 $220,000 $0 7.00%
    Morehead City, NC (FHA|USDA|VA) 2 $440,000 $220,000 $0 7.87%
    Brenham, TX (FHA|USDA|VA) 2 $430,000 $215,000 $0 9.31%
    YUMA, AZ (FHA|USDA|VA) 3 $425,000 $141,667 $0 9.16%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 3 $425,000 $141,667 $0 6.25%
    NAPA, CA (FHA|USDA|VA) 1 $405,000 $405,000 $0 8.75%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $405,000 $405,000 $0 5.75%
    GRANTS PASS, OR (FHA|USDA|VA) 1 $395,000 $395,000 $0 9.88%
    Corsicana, TX (FHA|USDA|VA) 3 $395,000 $131,667 $0 5.62%
    READING, PA (FHA|USDA|VA) 3 $395,000 $131,667 $0 6.49%
    POCATELLO, ID (FHA|USDA|VA) 2 $370,000 $185,000 $0 5.25%
    Breckenridge, CO (FHA|USDA|VA) 1 $365,000 $365,000 $0 7.99%
    Georgetown, SC (FHA|USDA|VA) 2 $350,000 $175,000 $0 9.43%
    WARNER ROBINS, GA (FHA|USDA|VA) 4 $340,000 $85,000 $0 4.81%
    Eureka-Arcata, CA (FHA|USDA|VA) 1 $335,000 $335,000 $0 7.50%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $330,000 $165,000 $0 8.99%
    GAINESVILLE, FL (FHA|USDA|VA) 3 $325,000 $108,333 $0 8.24%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $315,000 $315,000 $0 7.99%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 2 $310,000 $155,000 $0 4.99%
    ODESSA, TX (FHA|USDA|VA) 3 $305,000 $101,667 $0 6.54%
    Ellensburg, WA (FHA|USDA|VA) 1 $305,000 $305,000 $0 7.99%
    EL PASO, TX (FHA|USDA|VA) 2 $300,000 $150,000 $0 6.38%
    BRUNSWICK, GA (FHA|USDA|VA) 2 $290,000 $145,000 $0 6.75%
    Safford, AZ (FHA|USDA|VA) 2 $290,000 $145,000 $0 4.99%
    WACO, TX (FHA|USDA|VA) 2 $290,000 $145,000 $0 8.25%
    Arcadia, FL (FHA|USDA|VA) 2 $290,000 $145,000 $0 8.75%
    Lufkin, TX (FHA|USDA|VA) 1 $285,000 $285,000 $0 8.75%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $285,000 $285,000 $0 7.50%
    TULSA, OK (FHA|USDA|VA) 2 $280,000 $140,000 $0 5.12%
    Albemarle, NC (FHA|USDA|VA) 2 $280,000 $140,000 $0 9.13%
    Durango, CO (FHA|USDA|VA) 2 $280,000 $140,000 $0 8.50%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 2 $270,000 $135,000 $0 5.25%
    Sonora, CA (FHA|USDA|VA) 1 $265,000 $265,000 $0 8.50%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $265,000 $265,000 $0 4.99%
    Thomasville, GA (FHA|USDA|VA) 1 $265,000 $265,000 $0 6.38%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $255,000 $255,000 $0 7.50%
    Kerrville, TX (FHA|USDA|VA) 1 $245,000 $245,000 $0 5.50%
    Red Bluff, CA (FHA|USDA|VA) 1 $245,000 $245,000 $0 4.75%
    MIDLAND, MI (FHA|USDA|VA) 2 $240,000 $120,000 $0 5.75%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $240,000 $120,000 $0 5.25%
    Palatka, FL (FHA|USDA|VA) 2 $240,000 $120,000 $0 6.50%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 2 $240,000 $120,000 $0 5.38%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $240,000 $120,000 $0 6.25%
    Cedar City, UT (FHA|USDA|VA) 1 $235,000 $235,000 $0 9.50%
    ALBANY, GA (FHA|USDA|VA) 1 $235,000 $235,000 $0 4.99%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 2 $230,000 $115,000 $0 5.63%
    JOHNSON CITY, TN (FHA|USDA|VA) 2 $230,000 $115,000 $0 7.19%
    McMinnville, TN (FHA|USDA|VA) 1 $225,000 $225,000 $0 4.99%
    Coos Bay, OR (FHA|USDA|VA) 1 $225,000 $225,000 $0 8.50%
    Centralia, WA (FHA|USDA|VA) 1 $225,000 $225,000 $0 7.99%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $215,000 $215,000 $0 7.99%
    ROCKFORD, IL (FHA|USDA|VA) 1 $215,000 $215,000 $0 7.99%
    CLEVELAND, TN (FHA|USDA|VA) 1 $215,000 $215,000 $0 4.99%
    Sterling, IL (FHA|USDA|VA) 2 $210,000 $105,000 $0 5.50%
    LAREDO, TX (FHA|USDA|VA) 2 $210,000 $105,000 $0 6.94%
    WORCESTER, MA-CT (FHA|USDA|VA) 1 $205,000 $205,000 $0 8.50%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $205,000 $205,000 $0 5.99%
    Roanoke Rapids, NC (FHA|USDA|VA) 1 $205,000 $205,000 $0 5.50%
    BOULDER, CO (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.99%
    FORT WAYNE, IN (FHA|USDA|VA) 1 $195,000 $195,000 $0 5.99%
    Plymouth, IN (FHA|USDA|VA) 1 $195,000 $195,000 $0 5.50%
    Bonham, TX (FHA|USDA|VA) 1 $185,000 $185,000 $0 5.25%
    Sanford, NC (FHA|USDA|VA) 1 $185,000 $185,000 $0 5.25%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.99%
    FLAGSTAFF, AZ (FHA|USDA|VA) 1 $185,000 $185,000 $0 5.50%
    WALLA WALLA, WA (FHA|USDA|VA) 1 $165,000 $165,000 $0 8.50%
    LIMA, OH (FHA|USDA|VA) 2 $160,000 $80,000 $0 4.75%
    GREENVILLE, NC (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.13%
    VALDOSTA, GA (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.50%
    Calhoun, GA (FHA|USDA|VA) 1 $145,000 $145,000 $0 4.99%
    Pottsville, PA (FHA|USDA|VA) 1 $145,000 $145,000 $0 4.99%
    Rockport, TX (FHA|USDA|VA) 1 $145,000 $145,000 $0 9.25%
    Shelby, NC (FHA|USDA|VA) 1 $145,000 $145,000 $0 8.99%
    Stephenville, TX (FHA|USDA|VA) 1 $145,000 $145,000 $0 6.38%
    Orangeburg, SC (FHA|USDA|VA) 2 $140,000 $70,000 $0 5.75%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $135,000 $135,000 $0 9.99%
    Newport, OR (FHA|USDA|VA) 1 $135,000 $135,000 $0 10.25%
    Gainesville, TX (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.50%
    Athens, TN (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.99%
    Greeneville, TN (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.99%
    Sidney, OH (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.50%
    Cornelia, GA (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.38%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $115,000 $115,000 $0 8.99%
    JACKSON, MI (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.99%
    KOKOMO, IN (FHA|USDA|VA) 1 $115,000 $115,000 $0 8.50%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 1 $115,000 $115,000 $0 7.99%
    HINESVILLE, GA (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.75%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.99%
    SUMTER, SC (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.50%
    LAWTON, OK (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.99%
    LONGVIEW, TX (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.99%
    VICTORIA, TX (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.99%
    TEXARKANA, TX-AR (FHA|USDA|VA) 1 $105,000 $105,000 $0 9.50%
    Show Low, AZ (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.75%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.25%
    LaGrange, GA-AL (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.75%
    KANKAKEE, IL (FHA|USDA|VA) 1 $105,000 $105,000 $0 10.38%
    Kill Devil Hills, NC (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.13%
    ROME, GA (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.75%
    MORRISTOWN, TN (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.83%
    LAFAYETTE, LA (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.75%
    Bartlesville, OK (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.99%
    Van Wert, OH (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.13%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $85,000 $85,000 $0 6.99%
    FLINT, MI (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.25%
    SHEBOYGAN, WI (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.50%
    Wilson, NC (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.88%
    SAGINAW, MI (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.99%
    Marion, OH (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.75%
    Civic Financial Services's top markets include Los Angeles, Atlanta, Miami, Seattle, and Phoenix among others.

    Their top states include:
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,610 $1,743,380,000 $378,174 $0 6.91%

    For 2021, Civic Financial Services's most frequently originated type of loan was Conventional, with 4,610 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,103 $867,345,000 $412,432 $0 7.54%
    Cash Out Refi 2,015 $655,515,000 $325,318 $0 6.29%
    Refi 492 $220,520,000 $448,211 $0 6.75%

    For 2021, Civic Financial Services's most frequently cited loan purpose was Home Purchase, with 2,103 originations. The 2nd most popular reason was Cash Out Refi, with 2,015 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,449 $614,905,000 $251,084 $0 5.43%
    1 Year 1,967 $931,585,000 $473,607 $0 8.62%
    Other 186 $167,330,000 $899,624 $0 8.31%
    3 Year 8 $29,560,000 $3,695,000 $0 6.56%

    For 2021, Civic Financial Services's most frequently cited loan duration was 30 Year, with 2,449 originations. The 2nd most popular length was 1 Year, with 1,967 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 1,461 $655,655,000 $448,771
    5-6% 1,212 $289,630,000 $238,969
    4-5% 937 $278,765,000 $297,508
    7-8% 673 $389,085,000 $578,135
    6-7% 327 $130,245,000 $398,303

    During 2021, Civic Financial Services's average interest rate for loans was 5.43%, while their most frequently originated rate bucket for loans was Over 8%, with 1,461 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,658 $238,460,000 $143,824 $0 6.75%
    $200k-400k 1,430 $401,370,000 $280,678 $0 6.98%
    $400k-600k 477 $229,155,000 $480,409 $0 7.18%
    $100,000 or less 400 $34,360,000 $85,900 $0 6.01%
    $600k-1MM 358 $271,150,000 $757,402 $0 7.28%
    $1MM+ 287 $568,885,000 $1,982,178 $0 7.79%

    2021 saw Civic Financial Services place emphasis on $100k-200k loans with 1,658 originations, totaling $238,460,000 in origination value.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 3,774 $1,412,380,000 $374,240 $0 6.79%
    Not provided 358 $133,820,000 $373,799 $0 7.33%
    White 310 $131,640,000 $424,645 $0 7.54%
    Asian 84 $32,950,000 $392,262 $0 7.49%
    Black 78 $29,940,000 $383,846 $0 7.18%
    Native Hawaiian or Islander 5 $2,465,000 $493,000 $0 8.40%
    Filipino 1 $185,000 $185,000 $0 8.99%

    Approval Rates

    Total approvals of all applications
    89.89%

    Civic Financial Services has an average approval rate.

    Pick Rate

    Approvals leading to origination
    55.81%

    Civic Financial Services 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 4,610 $1,743,380,000 $378,174

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    4,610 $1,743,380,000 $378,174

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 26 $7,870,000 $302,692 $0 7.52%
    40-60% 114 $48,010,000 $421,140 $0 6.80%
    60-80% 2,558 $818,880,000 $320,125 $0 6.49%
    80-100% 1,440 $636,790,000 $442,215 $0 7.09%
    Over 100% 469 $231,175,000 $492,910 $0 8.62%
    Under 20% 3 $655,000 $218,333 $0 6.37%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    CIBC BANCORP USA INC. Conventional home mortgage Closing on a mortgage 1 100.0%