Civic Financial Services Mortgage Rates, Fees & Info

Sacramento, CA

LEI: 5493006HWKBRUZIDS752

Tax ID: 46-2477192

2021 Data | 2020 Data | 2019 Data | 2018 Data


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 include Los Angeles, Atlanta, Miami, Seattle, and Phoenix among others. Civic Financial Services has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors.


Originations

4,610

Origination Dollar Volume (All Markets)

$1,743,380,000

Relative Rate

Civic Financial Services 's average 30 year fixed rate mortgage of loans were 5.43%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 2.28%.

Top Markets

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.

Product Mix

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

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

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average 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 the 2021, Civic Financial Services 's most frequently cited loan purpose of loans were Home Purchase, with 2,103 originations. The 2nd most popular reason of loans were 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 the 2021, Civic Financial Services 's most frequently cited loan length of loans were 30 Year, with 2,449 originations. The 2nd most popular length of loans were 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 of loans were 5.43%, while their most frequently originated rate bucket of loans were 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 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
90.81%

Civic Financial Services has an average approval rate.

Pick Rate

Approvals leading to origination
50.30%

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%