Civic Financial Services Mortgage Rates, Fees & Info

Sacramento, CA

LEI: 5493006HWKBRUZIDS752

Tax ID: 46-2477192

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Civic Financial Services is a small mortgage company specializing in Home Purchase loans. Civic Financial Services has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Miami, Phoenix, Atlanta, and Seattle among others. We have data for 318 markets. (Some data included below & more in-depth data is available with an active subscription.)

Civic Financial Services has an above 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% 2/25/24
30 Year Conventional Refi 6.27% 2/25/24
30 Year Cash-out Refi 6.27% 2/25/24
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.

Civic Financial Services Mortgage Calculator






Your Estimates

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

This is not an official calculator from Civic Financial Services. 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

7,466

Origination Dollar Volume (All Markets)

$2,966,400,000

Relative Rate

Civic Financial Services's average 30 year fixed mortgage rate was 6.15%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 1.39%.

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) 263 $341,525,000 $1,298,574 $0 7.54%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 384 $176,550,000 $459,766 $0 7.03%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 197 $160,185,000 $813,122 $0 6.78%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 410 $124,260,000 $303,073 $0 6.83%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 156 $120,050,000 $769,551 $0 7.28%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 306 $107,670,000 $351,863 $0 6.73%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 248 $79,320,000 $319,839 $0 6.87%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 207 $76,525,000 $369,686 $0 7.28%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 102 $68,280,000 $669,412 $0 7.33%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 47 $64,975,000 $1,382,447 $0 7.79%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 112 $64,960,000 $580,000 $0 6.28%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 265 $64,595,000 $243,755 $0 7.08%
URBAN HONOLULU, HI (FHA|USDA|VA) 75 $62,775,000 $837,000 $0 8.11%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 205 $58,235,000 $284,073 $0 6.88%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 183 $55,875,000 $305,328 $0 7.13%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 106 $55,760,000 $526,038 $0 7.60%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 42 $52,070,000 $1,239,762 $0 7.19%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 119 $49,835,000 $418,782 $0 6.80%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 63 $41,605,000 $660,397 $0 7.50%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 158 $33,750,000 $213,608 $0 7.91%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 72 $31,790,000 $441,528 $0 6.86%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 52 $31,090,000 $597,885 $0 6.59%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 105 $29,305,000 $279,095 $0 6.70%
JACKSONVILLE, FL (FHA|USDA|VA) 121 $28,395,000 $234,669 $0 6.39%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 139 $26,075,000 $187,590 $0 7.11%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 52 $25,950,000 $499,038 $0 7.54%
YORK-HANOVER, PA (FHA|USDA|VA) 217 $24,555,000 $113,157 $0 6.54%
Sevierville, TN (FHA|USDA|VA) 29 $22,815,000 $786,724 $0 7.22%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 110 $21,540,000 $195,818 $0 6.53%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 44 $20,920,000 $475,455 $0 7.22%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 34 $19,740,000 $580,588 $0 7.45%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 48 $19,120,000 $398,333 $0 6.60%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 37 $19,095,000 $516,081 $0 7.52%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 51 $18,635,000 $365,392 $0 7.46%
COLUMBUS, OH (FHA|USDA|VA) 69 $18,035,000 $261,377 $0 7.13%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 89 $16,895,000 $189,831 $0 6.56%
RICHMOND, VA (FHA|USDA|VA) 77 $16,605,000 $215,649 $0 6.44%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 81 $15,425,000 $190,432 $0 7.07%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 17 $15,365,000 $903,824 $0 8.34%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 75 $15,295,000 $203,933 $0 6.42%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 22 $15,060,000 $684,545 $0 7.87%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 48 $14,850,000 $309,375 $0 7.53%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 15 $14,175,000 $945,000 $0 7.62%
RENO, NV (FHA|USDA|VA) 22 $12,640,000 $574,545 $0 6.96%
Outside of Metro Areas 49 $12,435,000 $253,776 $0 7.24%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 51 $12,035,000 $235,980 $0 7.40%
PORT ST. LUCIE, FL (FHA|USDA|VA) 39 $11,945,000 $306,282 $0 7.08%
WINSTON-SALEM, NC (FHA|USDA|VA) 35 $11,765,000 $336,143 $0 6.56%
TULSA, OK (FHA|USDA|VA) 30 $11,600,000 $386,667 $0 6.39%
Shelton, WA (FHA|USDA|VA) 25 $11,495,000 $459,800 $0 7.48%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 54 $10,770,000 $199,444 $0 6.22%
OKLAHOMA CITY, OK (FHA|USDA|VA) 58 $10,760,000 $185,517 $0 6.36%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 88 $10,660,000 $121,136 $0 6.40%
COLUMBIA, SC (FHA|USDA|VA) 28 $10,540,000 $376,429 $0 6.28%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 49 $9,835,000 $200,714 $0 6.57%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 12 $9,620,000 $801,667 $0 6.88%
Heber, UT (FHA|USDA|VA) 8 $9,620,000 $1,202,500 $0 8.03%
PITTSBURGH, PA (FHA|USDA|VA) 44 $9,460,000 $215,000 $0 7.24%
BAKERSFIELD, CA (FHA|USDA|VA) 41 $8,735,000 $213,049 $0 7.86%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 25 $8,635,000 $345,400 $0 6.80%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 33 $8,415,000 $255,000 $0 6.08%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 12 $8,310,000 $692,500 $0 8.27%
OCALA, FL (FHA|USDA|VA) 30 $8,130,000 $271,000 $0 6.47%
WILMINGTON, NC (FHA|USDA|VA) 14 $8,070,000 $576,429 $0 6.84%
FAYETTEVILLE, NC (FHA|USDA|VA) 43 $7,735,000 $179,884 $0 6.33%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 46 $7,650,000 $166,304 $0 7.07%
BOISE CITY, ID (FHA|USDA|VA) 20 $7,610,000 $380,500 $0 6.95%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 13 $7,535,000 $579,615 $0 6.89%
SAVANNAH, GA (FHA|USDA|VA) 26 $7,450,000 $286,538 $0 6.97%
SHERMAN-DENISON, TX (FHA|USDA|VA) 24 $7,420,000 $309,167 $0 6.54%
RALEIGH-CARY, NC (FHA|USDA|VA) 26 $7,370,000 $283,462 $0 6.77%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 46 $6,910,000 $150,217 $0 6.69%
VALLEJO, CA (FHA|USDA|VA) 9 $6,605,000 $733,889 $0 6.54%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 14 $6,380,000 $455,714 $0 6.33%
Hilo, HI (FHA|USDA|VA) 15 $6,225,000 $415,000 $0 7.53%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 7 $6,195,000 $885,000 $0 7.64%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 7 $6,165,000 $880,714 $0 6.69%
EAST STROUDSBURG, PA (FHA|USDA|VA) 14 $6,150,000 $439,286 $0 6.75%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 36 $6,130,000 $170,278 $0 7.05%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 19 $5,965,000 $313,947 $0 6.86%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 15 $5,965,000 $397,667 $0 7.22%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 34 $5,860,000 $172,353 $0 6.77%
BEND, OR (FHA|USDA|VA) 10 $5,630,000 $563,000 $0 9.78%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 17 $5,565,000 $327,353 $0 6.47%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 4 $5,400,000 $1,350,000 $0 8.16%
LUBBOCK, TX (FHA|USDA|VA) 14 $5,370,000 $383,571 $0 6.07%
Kapaa, HI (FHA|USDA|VA) 4 $5,350,000 $1,337,500 $0 7.06%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 20 $5,160,000 $258,000 $0 7.66%
SALT LAKE CITY, UT (FHA|USDA|VA) 5 $5,105,000 $1,021,000 $0 6.97%
Truckee-Grass Valley, CA (FHA|USDA|VA) 4 $4,950,000 $1,237,500 $0 9.00%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 5 $4,905,000 $981,000 $0 6.95%
COLORADO SPRINGS, CO (FHA|USDA|VA) 14 $4,840,000 $345,714 $0 7.07%
GETTYSBURG, PA (FHA|USDA|VA) 25 $4,825,000 $193,000 $0 6.66%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 9 $4,595,000 $510,556 $0 7.14%
PUEBLO, CO (FHA|USDA|VA) 13 $4,585,000 $352,692 $0 7.08%
WARNER ROBINS, GA (FHA|USDA|VA) 20 $4,080,000 $204,000 $0 5.34%
SALEM, OR (FHA|USDA|VA) 12 $3,930,000 $327,500 $0 7.26%
ST. LOUIS, MO-IL (FHA|USDA|VA) 14 $3,870,000 $276,429 $0 5.82%
GAINESVILLE, FL (FHA|USDA|VA) 17 $3,625,000 $213,235 $0 6.59%
Athens, TX (FHA|USDA|VA) 5 $3,575,000 $715,000 $0 6.09%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 17 $3,515,000 $206,765 $0 6.72%
ROCKY MOUNT, NC (FHA|USDA|VA) 17 $3,345,000 $196,765 $0 6.43%
PROVO-OREM, UT (FHA|USDA|VA) 4 $3,270,000 $817,500 $0 9.31%
CORPUS CHRISTI, TX (FHA|USDA|VA) 16 $3,180,000 $198,750 $0 6.94%
REDDING, CA (FHA|USDA|VA) 6 $3,100,000 $516,667 $0 8.00%
JACKSONVILLE, NC (FHA|USDA|VA) 10 $3,060,000 $306,000 $0 6.28%
HINESVILLE, GA (FHA|USDA|VA) 21 $2,995,000 $142,619 $0 6.37%
KNOXVILLE, TN (FHA|USDA|VA) 15 $2,965,000 $197,667 $0 7.33%
PANAMA CITY, FL (FHA|USDA|VA) 10 $2,960,000 $296,000 $0 6.69%
Cornelia, GA (FHA|USDA|VA) 3 $2,895,000 $965,000 $0 6.58%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 6 $2,840,000 $473,333 $0 6.41%
DAYTON-KETTERING, OH (FHA|USDA|VA) 21 $2,835,000 $135,000 $0 7.02%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 8 $2,830,000 $353,750 $0 6.03%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 9 $2,795,000 $310,556 $0 7.08%
STOCKTON, CA (FHA|USDA|VA) 9 $2,745,000 $305,000 $0 7.52%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 7 $2,745,000 $392,143 $0 6.37%
MADERA, CA (FHA|USDA|VA) 6 $2,740,000 $456,667 $0 7.66%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 13 $2,705,000 $208,077 $0 6.80%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 11 $2,515,000 $228,636 $0 6.84%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 27 $2,475,000 $91,667 $0 7.46%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 3 $2,395,000 $798,333 $0 7.75%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 5 $2,385,000 $477,000 $0 6.07%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 8 $2,380,000 $297,500 $0 7.11%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 7 $2,375,000 $339,286 $0 6.30%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 9 $2,355,000 $261,667 $0 6.75%
BURLINGTON, NC (FHA|USDA|VA) 10 $2,320,000 $232,000 $0 6.25%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 10 $2,320,000 $232,000 $0 7.04%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 5 $2,255,000 $451,000 $0 6.55%
TALLAHASSEE, FL (FHA|USDA|VA) 14 $2,240,000 $160,000 $0 6.81%
NEW BERN, NC (FHA|USDA|VA) 6 $2,180,000 $363,333 $0 6.85%
Greenwood, SC (FHA|USDA|VA) 2 $2,060,000 $1,030,000 $0 5.75%
Key West, FL (FHA|USDA|VA) 2 $2,060,000 $1,030,000 $0 8.06%
GREELEY, CO (FHA|USDA|VA) 2 $2,010,000 $1,005,000 $0 7.37%
FRESNO, CA (FHA|USDA|VA) 9 $1,975,000 $219,444 $0 6.14%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 9 $1,975,000 $219,444 $0 6.47%
LAWTON, OK (FHA|USDA|VA) 11 $1,945,000 $176,818 $0 5.81%
Aberdeen, WA (FHA|USDA|VA) 7 $1,935,000 $276,429 $0 6.69%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 14 $1,900,000 $135,714 $0 7.12%
PUNTA GORDA, FL (FHA|USDA|VA) 7 $1,885,000 $269,286 $0 7.05%
EVANSVILLE, IN-KY (FHA|USDA|VA) 5 $1,865,000 $373,000 $0 6.89%
BATON ROUGE, LA (FHA|USDA|VA) 9 $1,815,000 $201,667 $0 6.80%
GREENVILLE, NC (FHA|USDA|VA) 12 $1,780,000 $148,333 $0 5.84%
Granbury, TX (FHA|USDA|VA) 6 $1,760,000 $293,333 $0 5.16%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 4 $1,750,000 $437,500 $0 6.78%
SPARTANBURG, SC (FHA|USDA|VA) 7 $1,735,000 $247,857 $0 7.27%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 7 $1,715,000 $245,000 $0 7.12%
Steamboat Springs, CO (FHA|USDA|VA) 2 $1,670,000 $835,000 $0 5.75%
TUCSON, AZ (FHA|USDA|VA) 6 $1,650,000 $275,000 $0 6.31%
Astoria, OR (FHA|USDA|VA) 4 $1,610,000 $402,500 $0 8.19%
LAFAYETTE, LA (FHA|USDA|VA) 8 $1,570,000 $196,250 $0 8.20%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 6 $1,550,000 $258,333 $0 7.00%
NILES, MI (FHA|USDA|VA) 1 $1,495,000 $1,495,000 $0 7.13%
ABILENE, TX (FHA|USDA|VA) 8 $1,460,000 $182,500 $0 6.34%
AKRON, OH (FHA|USDA|VA) 9 $1,435,000 $159,444 $0 7.07%
Jefferson, GA (FHA|USDA|VA) 3 $1,415,000 $471,667 $0 7.70%
WORCESTER, MA-CT (FHA|USDA|VA) 4 $1,410,000 $352,500 $0 6.65%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 4 $1,380,000 $345,000 $0 6.78%
ASHEVILLE, NC (FHA|USDA|VA) 7 $1,375,000 $196,429 $0 6.26%
NAPA, CA (FHA|USDA|VA) 1 $1,345,000 $1,345,000 $0 7.25%
CANTON-MASSILLON, OH (FHA|USDA|VA) 5 $1,325,000 $265,000 $0 6.02%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 4 $1,280,000 $320,000 $0 6.12%
ALBANY-LEBANON, OR (FHA|USDA|VA) 3 $1,235,000 $411,667 $0 7.66%
WACO, TX (FHA|USDA|VA) 5 $1,185,000 $237,000 $0 6.60%
Newport, OR (FHA|USDA|VA) 4 $1,180,000 $295,000 $0 6.25%
ROME, GA (FHA|USDA|VA) 7 $1,165,000 $166,429 $0 6.05%
Ellensburg, WA (FHA|USDA|VA) 3 $1,125,000 $375,000 $0 6.21%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 10 $1,120,000 $112,000 $0 6.98%
COLUMBUS, GA-AL (FHA|USDA|VA) 9 $1,095,000 $121,667 $0 6.93%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $1,085,000 $1,085,000 $0 7.25%
Coos Bay, OR (FHA|USDA|VA) 5 $1,085,000 $217,000 $0 7.75%
BRUNSWICK, GA (FHA|USDA|VA) 2 $1,020,000 $510,000 $0 7.99%
BELLINGHAM, WA (FHA|USDA|VA) 2 $1,010,000 $505,000 $0 4.63%
KOKOMO, IN (FHA|USDA|VA) 5 $995,000 $199,000 $0 6.33%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 3 $975,000 $325,000 $0 6.25%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $970,000 $485,000 $0 8.50%
ST. GEORGE, UT (FHA|USDA|VA) 1 $965,000 $965,000 $0 7.50%
SPRINGFIELD, MA (FHA|USDA|VA) 4 $950,000 $237,500 $0 7.31%
Shelby, NC (FHA|USDA|VA) 6 $950,000 $158,333 $0 7.91%
Morehead City, NC (FHA|USDA|VA) 3 $945,000 $315,000 $0 8.37%
TYLER, TX (FHA|USDA|VA) 5 $935,000 $187,000 $0 6.62%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 2 $910,000 $455,000 $0 7.06%
AMARILLO, TX (FHA|USDA|VA) 7 $905,000 $129,286 $0 6.21%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 7 $895,000 $127,857 $0 5.89%
MEDFORD, OR (FHA|USDA|VA) 2 $890,000 $445,000 $0 8.50%
MIDLAND, TX (FHA|USDA|VA) 5 $885,000 $177,000 $0 8.65%
FORT WAYNE, IN (FHA|USDA|VA) 2 $870,000 $435,000 $0 6.25%
MUSKEGON, MI (FHA|USDA|VA) 5 $865,000 $173,000 $0 6.90%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 3 $855,000 $285,000 $0 8.46%
OCEAN CITY, NJ (FHA|USDA|VA) 3 $835,000 $278,333 $0 7.08%
Moses Lake, WA (FHA|USDA|VA) 4 $820,000 $205,000 $0 6.56%
Sterling, CO (FHA|USDA|VA) 2 $800,000 $400,000 $0 7.50%
Muskogee, OK (FHA|USDA|VA) 4 $750,000 $187,500 $0 7.88%
LONGVIEW, WA (FHA|USDA|VA) 3 $745,000 $248,333 $0 6.17%
KANKAKEE, IL (FHA|USDA|VA) 2 $740,000 $370,000 $0 6.63%
MODESTO, CA (FHA|USDA|VA) 1 $725,000 $725,000 $0 6.50%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $710,000 $355,000 $0 9.25%
Hood River, OR (FHA|USDA|VA) 1 $705,000 $705,000 $0 4.50%
EL CENTRO, CA (FHA|USDA|VA) 3 $705,000 $235,000 $0 7.00%
WENATCHEE, WA (FHA|USDA|VA) 2 $700,000 $350,000 $0 7.00%
LONGVIEW, TX (FHA|USDA|VA) 4 $700,000 $175,000 $0 6.87%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $695,000 $695,000 $0 5.88%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 4 $690,000 $172,500 $0 8.21%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $660,000 $330,000 $0 7.50%
POCATELLO, ID (FHA|USDA|VA) 1 $655,000 $655,000 $0 5.99%
Cedartown, GA (FHA|USDA|VA) 2 $620,000 $310,000 $0 6.25%
Wilson, NC (FHA|USDA|VA) 4 $620,000 $155,000 $0 6.97%
Calhoun, GA (FHA|USDA|VA) 4 $620,000 $155,000 $0 6.18%
Pahrump, NV (FHA|USDA|VA) 2 $610,000 $305,000 $0 5.69%
TOLEDO, OH (FHA|USDA|VA) 4 $600,000 $150,000 $0 7.59%
Lake City, FL (FHA|USDA|VA) 3 $595,000 $198,333 $0 7.71%
VISALIA, CA (FHA|USDA|VA) 2 $570,000 $285,000 $0 6.37%
GOLDSBORO, NC (FHA|USDA|VA) 5 $525,000 $105,000 $0 7.00%
Albemarle, NC (FHA|USDA|VA) 3 $515,000 $171,667 $0 7.32%
TERRE HAUTE, IN (FHA|USDA|VA) 3 $505,000 $168,333 $0 6.00%
Big Rapids, MI (FHA|USDA|VA) 1 $485,000 $485,000 $0 6.99%
ROANOKE, VA (FHA|USDA|VA) 4 $480,000 $120,000 $0 8.25%
Oak Harbor, WA (FHA|USDA|VA) 2 $480,000 $240,000 $0 4.94%
SALISBURY, MD-DE (FHA|USDA|VA) 4 $480,000 $120,000 $0 6.63%
ALBANY, GA (FHA|USDA|VA) 3 $475,000 $158,333 $0 9.17%
LANCASTER, PA (FHA|USDA|VA) 3 $475,000 $158,333 $0 7.29%
VALDOSTA, GA (FHA|USDA|VA) 4 $470,000 $117,500 $0 5.75%
Sonora, CA (FHA|USDA|VA) 2 $470,000 $235,000 $0 8.31%
GAINESVILLE, GA (FHA|USDA|VA) 2 $460,000 $230,000 $0 7.56%
Othello, WA (FHA|USDA|VA) 2 $460,000 $230,000 $0 5.12%
Orangeburg, SC (FHA|USDA|VA) 3 $455,000 $151,667 $0 6.58%
Okeechobee, FL (FHA|USDA|VA) 2 $440,000 $220,000 $0 7.50%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $440,000 $220,000 $0 9.06%
Fernley, NV (FHA|USDA|VA) 3 $435,000 $145,000 $0 5.46%
Stillwater, OK (FHA|USDA|VA) 2 $430,000 $215,000 $0 6.25%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $425,000 $425,000 $0 6.25%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $425,000 $425,000 $0 7.99%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $425,000 $425,000 $0 5.99%
LEBANON, PA (FHA|USDA|VA) 4 $420,000 $105,000 $0 6.93%
Centralia, WA (FHA|USDA|VA) 1 $415,000 $415,000 $0 10.25%
Pottsville, PA (FHA|USDA|VA) 4 $390,000 $97,500 $0 7.81%
Sulphur Springs, TX (FHA|USDA|VA) 2 $370,000 $185,000 $0 5.50%
RACINE, WI (FHA|USDA|VA) 2 $370,000 $185,000 $0 9.37%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $365,000 $365,000 $0 11.25%
Wooster, OH (FHA|USDA|VA) 1 $355,000 $355,000 $0 9.50%
Elko, NV (FHA|USDA|VA) 1 $335,000 $335,000 $0 9.88%
ODESSA, TX (FHA|USDA|VA) 3 $335,000 $111,667 $0 6.87%
MERCED, CA (FHA|USDA|VA) 1 $335,000 $335,000 $0 5.50%
LaGrange, GA-AL (FHA|USDA|VA) 1 $335,000 $335,000 $0 4.75%
Sanford, NC (FHA|USDA|VA) 2 $320,000 $160,000 $0 6.63%
Findlay, OH (FHA|USDA|VA) 2 $320,000 $160,000 $0 6.88%
Cambridge, MD (FHA|USDA|VA) 1 $315,000 $315,000 $0 6.75%
Outside of Metro Areas 1 $315,000 $315,000 $0 5.99%
JACKSON, MI (FHA|USDA|VA) 2 $310,000 $155,000 $0 5.38%
Bartlesville, OK (FHA|USDA|VA) 3 $305,000 $101,667 $0 6.08%
LAKE CHARLES, LA (FHA|USDA|VA) 2 $300,000 $150,000 $0 7.44%
Marion, OH (FHA|USDA|VA) 2 $300,000 $150,000 $0 6.94%
Clewiston, FL (FHA|USDA|VA) 2 $300,000 $150,000 $0 6.87%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 3 $295,000 $98,333 $0 5.83%
Paris, TX (FHA|USDA|VA) 2 $290,000 $145,000 $0 7.88%
EL PASO, TX (FHA|USDA|VA) 2 $290,000 $145,000 $0 6.88%
GRANTS PASS, OR (FHA|USDA|VA) 1 $275,000 $275,000 $0 5.75%
Fredericksburg, TX (FHA|USDA|VA) 1 $275,000 $275,000 $0 6.50%
YAKIMA, WA (FHA|USDA|VA) 1 $275,000 $275,000 $0 11.38%
Palatka, FL (FHA|USDA|VA) 2 $270,000 $135,000 $0 7.00%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $265,000 $265,000 $0 10.75%
MONROE, MI (FHA|USDA|VA) 2 $260,000 $130,000 $0 9.44%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $255,000 $255,000 $0 5.88%
FORT COLLINS, CO (FHA|USDA|VA) 1 $255,000 $255,000 $0 6.50%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $255,000 $255,000 $0 5.99%
Payson, AZ (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.99%
Ottawa, IL (FHA|USDA|VA) 1 $245,000 $245,000 $0 10.99%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $235,000 $235,000 $0 11.75%
FLINT, MI (FHA|USDA|VA) 2 $230,000 $115,000 $0 6.62%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 2 $230,000 $115,000 $0 5.63%
CHICO, CA (FHA|USDA|VA) 1 $225,000 $225,000 $0 10.25%
MADISON, WI (FHA|USDA|VA) 1 $225,000 $225,000 $0 8.75%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $225,000 $225,000 $0 5.75%
Sterling, IL (FHA|USDA|VA) 3 $225,000 $75,000 $0 6.38%
Clearlake, CA (FHA|USDA|VA) 1 $205,000 $205,000 $0 9.50%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $205,000 $205,000 $0 5.75%
Kingsville, TX (FHA|USDA|VA) 2 $200,000 $100,000 $0 6.13%
Eagle Pass, TX (FHA|USDA|VA) 1 $195,000 $195,000 $0 6.38%
Lewisburg, TN (FHA|USDA|VA) 1 $195,000 $195,000 $0 7.25%
LIMA, OH (FHA|USDA|VA) 2 $190,000 $95,000 $0 5.99%
Bay City, TX (FHA|USDA|VA) 2 $190,000 $95,000 $0 7.88%
LYNCHBURG, VA (FHA|USDA|VA) 1 $185,000 $185,000 $0 6.75%
MIDLAND, MI (FHA|USDA|VA) 1 $185,000 $185,000 $0 5.50%
Cullowhee, NC (FHA|USDA|VA) 1 $185,000 $185,000 $0 6.99%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $175,000 $175,000 $0 5.25%
Beeville, TX (FHA|USDA|VA) 1 $175,000 $175,000 $0 10.50%
Huntsville, TX (FHA|USDA|VA) 1 $175,000 $175,000 $0 10.99%
Elizabeth City, NC (FHA|USDA|VA) 1 $165,000 $165,000 $0 6.99%
Thomaston, GA (FHA|USDA|VA) 1 $155,000 $155,000 $0 8.75%
Lumberton, NC (FHA|USDA|VA) 1 $155,000 $155,000 $0 6.50%
Roseburg, OR (FHA|USDA|VA) 1 $145,000 $145,000 $0 7.74%
Corsicana, TX (FHA|USDA|VA) 1 $145,000 $145,000 $0 8.99%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $145,000 $145,000 $0 5.99%
ROCKFORD, IL (FHA|USDA|VA) 1 $145,000 $145,000 $0 7.99%
Hillsdale, MI (FHA|USDA|VA) 1 $145,000 $145,000 $0 5.25%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.13%
Mount Vernon, OH (FHA|USDA|VA) 1 $125,000 $125,000 $0 6.25%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $125,000 $125,000 $0 8.99%
VICTORIA, TX (FHA|USDA|VA) 1 $115,000 $115,000 $0 7.88%
Mount Pleasant, TX (FHA|USDA|VA) 1 $115,000 $115,000 $0 8.99%
Van Wert, OH (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.75%
ANN ARBOR, MI (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.99%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.75%
Peru, IN (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.50%
MANSFIELD, OH (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.99%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $95,000 $95,000 $0 6.25%
SUMTER, SC (FHA|USDA|VA) 1 $95,000 $95,000 $0 6.99%
Gaffney, SC (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.75%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.99%
Washington, IN (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.63%
READING, PA (FHA|USDA|VA) 1 $95,000 $95,000 $0 8.99%
Defiance, OH (FHA|USDA|VA) 1 $95,000 $95,000 $0 12.13%
Sunbury, PA (FHA|USDA|VA) 1 $85,000 $85,000 $0 6.25%
MUNCIE, IN (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.75%
DECATUR, IL (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.25%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.99%
Mount Airy, NC (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.13%
Marion, IN (FHA|USDA|VA) 1 $75,000 $75,000 $0 9.75%
PEORIA, IL (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.13%
Civic Financial Services's top markets include Los Angeles, Miami, Phoenix, Atlanta, and Seattle among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 7,466 $2,966,400,000 $397,321 $0 6.97%

    For 2022, Civic Financial Services's most frequently originated type of loan was Conventional, with 7,466 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 5,949 $2,254,985,000 $379,053 $0 6.95%
    Cash Out Refi 876 $440,470,000 $502,820 $0 7.14%
    Refi 566 $235,060,000 $415,300 $0 6.84%
    Home Improvement 75 $35,885,000 $478,467 $0 7.97%

    For 2022, Civic Financial Services's most frequently cited loan purpose was Home Purchase, with 5,949 originations. The 2nd most popular reason was Cash Out Refi, with 876 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,315 $1,647,425,000 $309,958 $0 6.15%
    1 Year 1,842 $1,037,100,000 $563,029 $0 9.04%
    Other 296 $199,940,000 $675,473 $0 8.80%
    3 Year 13 $81,935,000 $6,302,692 $0 6.29%

    For 2022, Civic Financial Services's most frequently cited loan duration was 30 Year, with 5,315 originations. The 2nd most popular length was 1 Year, with 1,842 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 2,042 $722,780,000 $353,957
    Over 8% 1,778 $931,730,000 $524,033
    6-7% 1,395 $450,785,000 $323,143
    7-8% 1,390 $526,660,000 $378,892
    4-5% 861 $334,445,000 $388,438

    During 2022, Civic Financial Services's average interest rate for loans was 6.15%, while their most frequently originated rate bucket for loans was 5-6%, with 2,042 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,435 $683,745,000 $280,799 $0 7.00%
    $100k-200k 2,398 $355,770,000 $148,361 $0 6.84%
    $400k-600k 860 $418,080,000 $486,140 $0 7.07%
    $600k-1MM 669 $513,685,000 $767,840 $0 7.01%
    $100,000 or less 572 $49,240,000 $86,084 $0 6.52%
    $1MM+ 532 $945,880,000 $1,777,970 $0 7.74%

    2022 saw Civic Financial Services place emphasis on $200k-400k loans with 2,435 originations, totaling $683,745,000 in origination value.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 6,648 $2,648,970,000 $398,461 $0 6.90%
    Not provided 414 $157,270,000 $379,879 $0 7.49%
    White 278 $116,410,000 $418,741 $0 7.64%
    Black 78 $21,650,000 $277,564 $0 7.76%
    Asian 42 $19,040,000 $453,333 $0 7.22%
    Native Hawaiian or Islander 3 $1,645,000 $548,333 $0 7.91%
    American Indian 3 $1,415,000 $471,667 $0 6.66%

    Approval Rates

    Total approvals of all applications
    93.24%

    Civic Financial Services has an average approval rate.

    Pick Rate

    Approvals leading to origination
    79.84%

    Civic Financial Services has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 7,466 $2,966,400,000 $397,321

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    7,466 $2,966,400,000 $397,321

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 53 $18,795,000 $354,623 $0 7.82%
    40-60% 428 $238,740,000 $557,804 $0 7.43%
    60-80% 5,578 $2,174,620,000 $389,857 $0 7.01%
    80-100% 1,398 $529,380,000 $378,670 $0 6.65%
    Under 20% 9 $4,865,000 $540,556 $0 6.61%