Civic Financial Services Mortgage Rates, Fees & Info
Sacramento, CALEI: 5493006HWKBRUZIDS752
Tax ID: 46-2477192
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Mortgage Data
Review & Overview
Civic Financial Services is a smaller mortgage company specializing in Home Purchase and Refi loans. Civic Financial Services has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Seattle, Miami, San Francisco, and Atlanta among others. We have data for 88 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.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.27% | 4/21/24 |
| 30 Year Conventional Refi | 6.27% | 4/21/24 |
| 30 Year Cash-out Refi | 6.27% | 4/21/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
824Origination Dollar Volume (All Markets)
$378,510,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 138 | $118,580,000 | $859,275 | $0 | 9.25% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 63 | $42,825,000 | $679,762 | $0 | 8.97% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 116 | $36,740,000 | $316,724 | $0 | 9.26% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 34 | $24,470,000 | $719,706 | $0 | 9.21% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 37 | $16,335,000 | $441,486 | $0 | 9.19% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 35 | $10,975,000 | $313,571 | $0 | 9.26% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 40 | $9,960,000 | $249,000 | $0 | 9.20% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 6 | $9,330,000 | $1,555,000 | $0 | 8.79% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 34 | $9,030,000 | $265,588 | $0 | 9.15% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 29 | $8,605,000 | $296,724 | $0 | 9.32% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 19 | $8,495,000 | $447,105 | $0 | 8.93% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 11 | $8,155,000 | $741,364 | $0 | 9.18% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 9 | $5,555,000 | $617,222 | $0 | 9.47% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 14 | $5,110,000 | $365,000 | $0 | 9.19% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 8 | $5,070,000 | $633,750 | $0 | 9.37% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 23 | $4,505,000 | $195,870 | $0 | 9.27% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 18 | $4,120,000 | $228,889 | $0 | 9.26% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $3,995,000 | $3,995,000 | $0 | 8.50% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 4 | $3,230,000 | $807,500 | $0 | 9.25% |
| STOCKTON, CA (FHA|USDA|VA) | 16 | $3,180,000 | $198,750 | $0 | 9.67% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 11 | $2,995,000 | $272,273 | $0 | 9.54% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 3 | $2,225,000 | $741,667 | $0 | 9.49% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 10 | $2,090,000 | $209,000 | $0 | 9.30% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 7 | $2,045,000 | $292,143 | $0 | 9.17% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 4 | $2,030,000 | $507,500 | $0 | 9.06% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 8 | $1,890,000 | $236,250 | $0 | 9.12% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 9 | $1,715,000 | $190,556 | $0 | 9.11% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 5 | $1,505,000 | $301,000 | $0 | 9.50% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 9 | $1,485,000 | $165,000 | $0 | 8.97% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 8 | $1,440,000 | $180,000 | $0 | 9.13% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $1,360,000 | $680,000 | $0 | 9.38% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 7 | $1,175,000 | $167,857 | $0 | 9.35% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 5 | $1,055,000 | $211,000 | $0 | 8.85% |
| VALLEJO, CA (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $0 | 9.37% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 5 | $975,000 | $195,000 | $0 | 9.20% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $0 | 8.99% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $0 | 9.35% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $0 | 8.87% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $0 | 8.50% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $0 | 9.13% |
| Hilo, HI (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $0 | 8.66% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $0 | 8.58% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $0 | 8.94% |
| BEND, OR (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 9.50% |
| Prineville, OR (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 8.99% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $0 | 8.99% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 7.99% |
| Outside of Metro Areas | 2 | $390,000 | $195,000 | $0 | 8.75% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 9.00% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 8.75% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 9.75% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $0 | 9.25% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 8.99% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 8.99% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 8.50% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $0 | 9.50% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 9.75% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 9.25% |
| Pahrump, NV (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $0 | 9.63% |
| Astoria, OR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 9.50% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 8.99% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $0 | 9.62% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 10.00% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 8.99% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 8.99% |
| SALEM, OR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 8.75% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 8.75% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 8.75% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 9.50% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 8.50% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 8.50% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 9.50% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 8.99% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 10.25% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 9.25% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 11.50% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 9.99% |
| TYLER, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 9.25% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 9.99% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 9.75% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 10.50% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 8.50% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.50% |
| Shelton, WA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.25% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.25% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 10.25% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.99% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 8.99% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 824 | $378,510,000 | $459,357 | $0 | 9.21% |
For 2018, Civic Financial Services's most frequently originated type of loan was Conventional, with 824 originations.
Loan Reason
For 2018, Civic Financial Services's most frequently cited loan purpose was Home Purchase, with 445 originations. The 2nd most popular reason was Refi, with 315 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 1 Year | 638 | $314,720,000 | $493,292 | $0 | 9.26% |
| Other | 186 | $63,790,000 | $342,957 | $0 | 9.06% |
For 2018, Civic Financial Services's most frequently cited loan duration was 1 Year, with 638 originations. The 2nd most popular length was Other, with 186 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 820 | $367,390,000 | $448,037 |
| 7-8% | 4 | $11,120,000 | $2,780,000 |
During 2018, Civic Financial Services's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was Over 8%, with 820 originations.
Loan Sizing
2018 saw Civic Financial Services place emphasis on $100k-200k loans with 298 originations, totaling $43,410,000 in origination value.
Ethnicity Mix
Approval Rates
Total approvals of all applications90.99%
Civic Financial Services has an average approval rate.
Pick Rate
Approvals leading to origination23.54%
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 | 824 | $378,510,000 | $459,357 |
Occupancy Type Mix
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Civic Financial Services, Inc. | Conventional home mortgage | Trouble during payment process | 1 | 100.0% |