Civic Financial Services Mortgage Rates, Fees & Info

Sacramento, CA

LEI: 5493006HWKBRUZIDS752

Tax ID: 46-2477192

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Civic Financial Services is a smaller 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: Baltimore, Philadelphia, Los Angeles, Atlanta, and Phoenix among others. We have data for 187 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.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.27% 6/23/24
30 Year Conventional Refi 6.27% 6/23/24
30 Year Cash-out Refi 6.27% 6/23/24
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

1,219

Origination Dollar Volume (All Markets)

$371,225,000

Relative Rate

Civic Financial Services's average 30 year fixed mortgage rate was 7.86%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 1.38%.

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
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 129 $23,665,000 $183,450 $0 7.77%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 70 $23,260,000 $332,286 $0 8.42%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 21 $20,075,000 $955,952 $0 9.67%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 62 $15,860,000 $255,806 $0 8.59%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 27 $14,645,000 $542,407 $0 8.64%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 38 $14,430,000 $379,737 $0 8.99%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 41 $13,855,000 $337,927 $0 8.50%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 14 $11,060,000 $790,000 $0 9.77%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 41 $10,735,000 $261,829 $0 8.53%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 12 $10,490,000 $874,167 $0 9.71%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 35 $10,015,000 $286,143 $0 9.07%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 23 $9,505,000 $413,261 $0 7.52%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 15 $7,465,000 $497,667 $0 9.23%
JACKSONVILLE, FL (FHA|USDA|VA) 29 $6,925,000 $238,793 $0 8.20%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 34 $6,740,000 $198,235 $0 9.17%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 35 $6,365,000 $181,857 $0 8.43%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 11 $6,345,000 $576,818 $0 9.02%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 16 $6,120,000 $382,500 $0 8.99%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 10 $5,330,000 $533,000 $0 10.00%
GAINESVILLE, FL (FHA|USDA|VA) 4 $5,190,000 $1,297,500 $0 7.50%
COLUMBUS, OH (FHA|USDA|VA) 25 $5,065,000 $202,600 $0 8.28%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 4 $4,990,000 $1,247,500 $0 9.75%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 28 $4,830,000 $172,500 $0 8.12%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 8 $4,720,000 $590,000 $0 9.59%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 17 $4,055,000 $238,529 $0 9.48%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 5 $3,845,000 $769,000 $0 8.19%
COLUMBIA, SC (FHA|USDA|VA) 9 $3,755,000 $417,222 $0 7.78%
SAVANNAH, GA (FHA|USDA|VA) 3 $3,195,000 $1,065,000 $0 8.00%
RICHMOND, VA (FHA|USDA|VA) 13 $3,105,000 $238,846 $0 8.22%
FAYETTEVILLE, NC (FHA|USDA|VA) 9 $2,895,000 $321,667 $0 8.23%
Outside of Metro Areas 13 $2,875,000 $221,154 $0 9.22%
PITTSBURGH, PA (FHA|USDA|VA) 14 $2,820,000 $201,429 $0 8.47%
PUEBLO, CO (FHA|USDA|VA) 4 $2,780,000 $695,000 $0 7.50%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 13 $2,755,000 $211,923 $0 8.82%
CORPUS CHRISTI, TX (FHA|USDA|VA) 3 $2,635,000 $878,333 $0 9.33%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 14 $2,430,000 $173,571 $0 8.47%
YORK-HANOVER, PA (FHA|USDA|VA) 22 $2,430,000 $110,455 $0 7.76%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $2,405,000 $2,405,000 $0 9.25%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 13 $2,395,000 $184,231 $0 8.48%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 9 $2,335,000 $259,444 $0 9.46%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 7 $2,265,000 $323,571 $0 8.77%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 10 $2,210,000 $221,000 $0 8.09%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $2,175,000 $2,175,000 $0 7.50%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 5 $2,135,000 $427,000 $0 8.57%
URBAN HONOLULU, HI (FHA|USDA|VA) 3 $2,025,000 $675,000 $0 9.66%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $1,610,000 $805,000 $0 11.13%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 7 $1,605,000 $229,286 $0 8.34%
BOULDER, CO (FHA|USDA|VA) 1 $1,495,000 $1,495,000 $0 11.50%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 6 $1,460,000 $243,333 $0 9.44%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 3 $1,445,000 $481,667 $0 7.58%
OKLAHOMA CITY, OK (FHA|USDA|VA) 10 $1,440,000 $144,000 $0 7.85%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 4 $1,420,000 $355,000 $0 10.06%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 3 $1,365,000 $455,000 $0 9.29%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 3 $1,325,000 $441,667 $0 10.24%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 7 $1,325,000 $189,286 $0 8.98%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $1,285,000 $1,285,000 $0 10.25%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 8 $1,270,000 $158,750 $0 7.98%
KANSAS CITY, MO-KS (FHA|USDA|VA) 7 $1,255,000 $179,286 $0 7.86%
Sevierville, TN (FHA|USDA|VA) 2 $1,240,000 $620,000 $0 10.12%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 4 $1,190,000 $297,500 $0 7.50%
READING, PA (FHA|USDA|VA) 5 $1,125,000 $225,000 $0 9.10%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $1,105,000 $368,333 $0 9.46%
ST. LOUIS, MO-IL (FHA|USDA|VA) 6 $1,070,000 $178,333 $0 9.39%
DAYTON-KETTERING, OH (FHA|USDA|VA) 6 $1,050,000 $175,000 $0 8.08%
TULSA, OK (FHA|USDA|VA) 5 $995,000 $199,000 $0 8.15%
PANAMA CITY, FL (FHA|USDA|VA) 5 $975,000 $195,000 $0 8.93%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 7 $935,000 $133,571 $0 8.30%
PORT ST. LUCIE, FL (FHA|USDA|VA) 4 $920,000 $230,000 $0 10.00%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 5 $915,000 $183,000 $0 9.42%
Wilson, NC (FHA|USDA|VA) 2 $910,000 $455,000 $0 7.81%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $880,000 $440,000 $0 9.13%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 5 $875,000 $175,000 $0 7.72%
EAST STROUDSBURG, PA (FHA|USDA|VA) 4 $870,000 $217,500 $0 8.06%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 3 $765,000 $255,000 $0 7.50%
PROVO-OREM, UT (FHA|USDA|VA) 1 $725,000 $725,000 $0 13.75%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 3 $725,000 $241,667 $0 9.58%
Hilo, HI (FHA|USDA|VA) 1 $715,000 $715,000 $0 9.25%
MEDFORD, OR (FHA|USDA|VA) 1 $705,000 $705,000 $0 7.88%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $695,000 $231,667 $0 7.96%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 4 $660,000 $165,000 $0 8.81%
AKRON, OH (FHA|USDA|VA) 4 $600,000 $150,000 $0 9.46%
WILMINGTON, NC (FHA|USDA|VA) 2 $590,000 $295,000 $0 8.81%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $575,000 $575,000 $0 7.50%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 4 $560,000 $140,000 $0 8.74%
FRESNO, CA (FHA|USDA|VA) 2 $550,000 $275,000 $0 7.50%
NILES, MI (FHA|USDA|VA) 2 $550,000 $275,000 $0 7.50%
MIDLAND, TX (FHA|USDA|VA) 2 $520,000 $260,000 $0 7.93%
KNOXVILLE, TN (FHA|USDA|VA) 3 $515,000 $171,667 $0 8.38%
JACKSONVILLE, NC (FHA|USDA|VA) 3 $515,000 $171,667 $0 9.25%
GAINESVILLE, GA (FHA|USDA|VA) 1 $505,000 $505,000 $0 9.25%
Sunbury, PA (FHA|USDA|VA) 1 $505,000 $505,000 $0 9.75%
HINESVILLE, GA (FHA|USDA|VA) 3 $505,000 $168,333 $0 7.75%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $495,000 $495,000 $0 10.99%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $490,000 $245,000 $0 9.50%
OCALA, FL (FHA|USDA|VA) 2 $490,000 $245,000 $0 8.13%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $480,000 $240,000 $0 7.75%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 4 $470,000 $117,500 $0 7.97%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $410,000 $205,000 $0 8.81%
GETTYSBURG, PA (FHA|USDA|VA) 2 $400,000 $200,000 $0 7.75%
TOLEDO, OH (FHA|USDA|VA) 2 $400,000 $200,000 $0 7.75%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $395,000 $131,667 $0 10.04%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $385,000 $385,000 $0 10.25%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $375,000 $125,000 $0 7.91%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 3 $365,000 $121,667 $0 8.13%
LAREDO, TX (FHA|USDA|VA) 1 $365,000 $365,000 $0 8.50%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 3 $365,000 $121,667 $0 8.33%
BAKERSFIELD, CA (FHA|USDA|VA) 1 $365,000 $365,000 $0 9.99%
Outside of Metro Areas 1 $335,000 $335,000 $0 9.99%
EVANSVILLE, IN-KY (FHA|USDA|VA) 4 $330,000 $82,500 $0 7.69%
Greenwood, SC (FHA|USDA|VA) 1 $325,000 $325,000 $0 9.75%
RALEIGH-CARY, NC (FHA|USDA|VA) 2 $310,000 $155,000 $0 8.75%
LAWTON, OK (FHA|USDA|VA) 2 $310,000 $155,000 $0 8.00%
TUCSON, AZ (FHA|USDA|VA) 2 $300,000 $150,000 $0 8.88%
CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $290,000 $145,000 $0 7.88%
SALISBURY, MD-DE (FHA|USDA|VA) 2 $290,000 $145,000 $0 9.44%
LONGVIEW, WA (FHA|USDA|VA) 1 $285,000 $285,000 $0 7.99%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $285,000 $285,000 $0 7.50%
Kapaa, HI (FHA|USDA|VA) 1 $285,000 $285,000 $0 7.50%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $265,000 $265,000 $0 7.50%
YAKIMA, WA (FHA|USDA|VA) 1 $255,000 $255,000 $0 11.38%
SPRINGFIELD, OH (FHA|USDA|VA) 3 $255,000 $85,000 $0 10.21%
KANKAKEE, IL (FHA|USDA|VA) 2 $250,000 $125,000 $0 7.50%
RENO, NV (FHA|USDA|VA) 1 $245,000 $245,000 $0 7.50%
Susanville, CA (FHA|USDA|VA) 1 $245,000 $245,000 $0 7.50%
LUBBOCK, TX (FHA|USDA|VA) 1 $245,000 $245,000 $0 7.50%
Thomaston, GA (FHA|USDA|VA) 1 $245,000 $245,000 $0 11.63%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 2 $240,000 $120,000 $0 7.63%
ABILENE, TX (FHA|USDA|VA) 2 $240,000 $120,000 $0 7.63%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $235,000 $235,000 $0 7.75%
SALEM, OR (FHA|USDA|VA) 1 $235,000 $235,000 $0 7.50%
Shelby, NC (FHA|USDA|VA) 2 $230,000 $115,000 $0 7.75%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $215,000 $215,000 $0 8.25%
Holland, MI (FHA|USDA|VA) 1 $215,000 $215,000 $0 7.50%
THE VILLAGES, FL (FHA|USDA|VA) 1 $215,000 $215,000 $0 7.50%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $205,000 $205,000 $0 9.25%
ASHEVILLE, NC (FHA|USDA|VA) 1 $205,000 $205,000 $0 7.63%
Sterling, CO (FHA|USDA|VA) 1 $195,000 $195,000 $0 7.50%
Georgetown, SC (FHA|USDA|VA) 1 $195,000 $195,000 $0 7.63%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $195,000 $195,000 $0 7.50%
Washington, NC (FHA|USDA|VA) 1 $195,000 $195,000 $0 13.50%
MONROE, MI (FHA|USDA|VA) 1 $185,000 $185,000 $0 7.75%
Cambridge, MD (FHA|USDA|VA) 1 $185,000 $185,000 $0 7.50%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $185,000 $185,000 $0 7.75%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $185,000 $185,000 $0 10.63%
BATON ROUGE, LA (FHA|USDA|VA) 1 $185,000 $185,000 $0 8.38%
ERIE, PA (FHA|USDA|VA) 2 $180,000 $90,000 $0 7.88%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $175,000 $175,000 $0 11.50%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $175,000 $175,000 $0 10.99%
JACKSON, TN (FHA|USDA|VA) 1 $175,000 $175,000 $0 7.99%
Granbury, TX (FHA|USDA|VA) 1 $175,000 $175,000 $0 7.50%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $175,000 $175,000 $0 7.75%
Brenham, TX (FHA|USDA|VA) 1 $175,000 $175,000 $0 8.75%
SPARTANBURG, SC (FHA|USDA|VA) 2 $170,000 $85,000 $0 7.50%
JACKSON, MI (FHA|USDA|VA) 1 $165,000 $165,000 $0 8.13%
Kingsville, TX (FHA|USDA|VA) 1 $165,000 $165,000 $0 8.38%
ODESSA, TX (FHA|USDA|VA) 1 $165,000 $165,000 $0 8.38%
WACO, TX (FHA|USDA|VA) 1 $165,000 $165,000 $0 7.99%
MORRISTOWN, TN (FHA|USDA|VA) 1 $165,000 $165,000 $0 7.50%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $165,000 $165,000 $0 7.75%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $155,000 $155,000 $0 7.50%
Corsicana, TX (FHA|USDA|VA) 1 $155,000 $155,000 $0 10.88%
TYLER, TX (FHA|USDA|VA) 1 $155,000 $155,000 $0 10.50%
Cedartown, GA (FHA|USDA|VA) 1 $145,000 $145,000 $0 7.99%
Orangeburg, SC (FHA|USDA|VA) 1 $145,000 $145,000 $0 9.50%
Aberdeen, WA (FHA|USDA|VA) 1 $135,000 $135,000 $0 7.50%
Danville, VA (FHA|USDA|VA) 1 $135,000 $135,000 $0 7.99%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $135,000 $135,000 $0 7.99%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $135,000 $135,000 $0 7.99%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $135,000 $135,000 $0 8.75%
Okeechobee, FL (FHA|USDA|VA) 1 $135,000 $135,000 $0 7.99%
CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $135,000 $135,000 $0 7.75%
MUNCIE, IN (FHA|USDA|VA) 1 $125,000 $125,000 $0 8.50%
Big Rapids, MI (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.50%
MUSKEGON, MI (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.50%
WHEELING, WV-OH (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.99%
GREENVILLE, NC (FHA|USDA|VA) 1 $115,000 $115,000 $0 7.50%
Pottsville, PA (FHA|USDA|VA) 1 $115,000 $115,000 $0 8.25%
Fremont, OH (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.75%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $95,000 $95,000 $0 7.50%
CLEVELAND, TN (FHA|USDA|VA) 1 $95,000 $95,000 $0 11.38%
Marion, IN (FHA|USDA|VA) 1 $85,000 $85,000 $0 7.75%
SAGINAW, MI (FHA|USDA|VA) 1 $85,000 $85,000 $0 9.25%
Cambridge, OH (FHA|USDA|VA) 1 $85,000 $85,000 $0 7.99%
Stephenville, TX (FHA|USDA|VA) 1 $75,000 $75,000 $0 9.25%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $75,000 $75,000 $0 9.13%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.50%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.75%
Civic Financial Services's top markets include Baltimore, Philadelphia, Los Angeles, Atlanta, and Phoenix among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,219 $371,225,000 $304,532 $0 8.55%

    For 2023, Civic Financial Services's most frequently originated type of loan was Conventional, with 1,219 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 860 $237,100,000 $275,698 $0 8.49%
    Cash Out Refi 173 $74,645,000 $431,474 $0 8.75%
    Refi 169 $52,315,000 $309,556 $0 8.53%
    Home Improvement 17 $7,165,000 $421,471 $0 9.84%

    For 2023, Civic Financial Services's most frequently cited loan purpose was Home Purchase, with 860 originations. The 2nd most popular reason was Cash Out Refi, with 173 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 893 $215,475,000 $241,293 $0 7.86%
    1 Year 261 $124,545,000 $477,184 $0 10.55%
    Other 64 $29,080,000 $454,375 $0 10.05%
    3 Year 1 $2,125,000 $2,125,000 $0 8.50%

    For 2023, Civic Financial Services's most frequently cited loan duration was 30 Year, with 893 originations. The 2nd most popular length was 1 Year, with 261 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    7-8% 705 $178,985,000 $253,879
    Over 8% 513 $192,075,000 $374,415
    6-7% 1 $165,000 $165,000

    During 2023, Civic Financial Services's average interest rate for loans was 7.86%, while their most frequently originated rate bucket for loans was 7-8%, with 705 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 497 $73,225,000 $147,334 $0 8.31%
    $200k-400k 362 $101,350,000 $279,972 $0 8.61%
    $400k-600k 126 $60,950,000 $483,730 $0 9.09%
    $100,000 or less 109 $9,065,000 $83,165 $0 8.13%
    $600k-1MM 77 $58,035,000 $753,701 $0 9.00%
    $1MM+ 48 $68,600,000 $1,429,167 $0 9.35%

    2023 saw Civic Financial Services place emphasis on $100k-200k loans with 497 originations, totaling $73,225,000 in origination value.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 1,127 $340,565,000 $302,187 $0 8.49%
    Not provided 54 $16,760,000 $310,370 $0 9.01%
    White 25 $8,025,000 $321,000 $0 9.55%
    Asian 5 $4,415,000 $883,000 $0 9.62%
    Black 8 $1,460,000 $182,500 $0 9.80%

    Approval Rates

    Total approvals of all applications
    88.11%

    Civic Financial Services has an average approval rate.

    Pick Rate

    Approvals leading to origination
    58.65%

    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 1,219 $371,225,000 $304,532

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,219 $371,225,000 $304,532

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 5 $1,035,000 $207,000 $0 8.90%
    40-60% 98 $33,730,000 $344,184 $0 8.64%
    60-80% 957 $285,455,000 $298,281 $0 8.53%
    80-100% 158 $50,810,000 $321,582 $0 8.58%
    Under 20% 1 $195,000 $195,000 $0 7.50%