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 small 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 137 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% | 4/18/24 |
| 30 Year Conventional Refi | 6.27% | 4/18/24 |
| 30 Year Cash-out Refi | 6.27% | 4/18/24 |
| 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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This is not an official calculator from Civic Financial Services. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,318Origination Dollar Volume (All Markets)
$1,145,440,000Top 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) | 313 | $334,705,000 | $1,069,345 | $0 | 8.94% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 215 | $131,485,000 | $611,558 | $0 | 8.87% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 182 | $71,230,000 | $391,374 | $0 | 9.20% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 66 | $55,970,000 | $848,030 | $0 | 8.98% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 192 | $50,330,000 | $262,135 | $0 | 9.24% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 73 | $39,135,000 | $536,096 | $0 | 8.69% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 117 | $34,405,000 | $294,060 | $0 | 9.14% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 74 | $30,040,000 | $405,946 | $0 | 9.21% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 74 | $29,350,000 | $396,622 | $0 | 9.22% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 75 | $29,275,000 | $390,333 | $0 | 9.16% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 34 | $23,840,000 | $701,176 | $0 | 8.63% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 26 | $22,500,000 | $865,385 | $0 | 8.89% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 49 | $21,555,000 | $439,898 | $0 | 9.01% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 57 | $19,655,000 | $344,825 | $0 | 8.94% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 76 | $19,180,000 | $252,368 | $0 | 9.07% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 61 | $18,275,000 | $299,590 | $0 | 9.15% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 22 | $13,860,000 | $630,000 | $0 | 9.05% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 71 | $13,405,000 | $188,803 | $0 | 9.45% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 29 | $12,755,000 | $439,828 | $0 | 8.85% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 12 | $9,860,000 | $821,667 | $0 | 8.66% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 35 | $9,765,000 | $279,000 | $0 | 9.03% |
| Outside of Metro Areas | 23 | $9,545,000 | $415,000 | $0 | 9.03% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 21 | $7,695,000 | $366,429 | $0 | 9.03% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 16 | $7,510,000 | $469,375 | $0 | 9.29% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 13 | $7,265,000 | $558,846 | $0 | 9.61% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 6 | $6,910,000 | $1,151,667 | $0 | 8.83% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 10 | $6,550,000 | $655,000 | $0 | 9.77% |
| SALEM, OR (FHA|USDA|VA) | 9 | $6,145,000 | $682,778 | $0 | 9.05% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 19 | $6,005,000 | $316,053 | $0 | 8.96% |
| Heber, UT (FHA|USDA|VA) | 5 | $4,805,000 | $961,000 | $0 | 8.50% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 14 | $3,700,000 | $264,286 | $0 | 8.82% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 6 | $3,550,000 | $591,667 | $0 | 8.75% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 6 | $3,290,000 | $548,333 | $0 | 9.70% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 13 | $2,995,000 | $230,385 | $0 | 9.11% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 5 | $2,945,000 | $589,000 | $0 | 8.65% |
| Hilo, HI (FHA|USDA|VA) | 10 | $2,880,000 | $288,000 | $0 | 8.97% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 9 | $2,785,000 | $309,444 | $0 | 9.03% |
| RENO, NV (FHA|USDA|VA) | 12 | $2,660,000 | $221,667 | $0 | 8.96% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 5 | $2,435,000 | $487,000 | $0 | 8.59% |
| SALINAS, CA (FHA|USDA|VA) | 4 | $2,310,000 | $577,500 | $0 | 9.62% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 11 | $2,195,000 | $199,545 | $0 | 8.93% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 14 | $2,190,000 | $156,429 | $0 | 9.00% |
| FORT COLLINS, CO (FHA|USDA|VA) | 5 | $2,015,000 | $403,000 | $0 | 8.79% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 7 | $1,985,000 | $283,571 | $0 | 8.82% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 12 | $1,980,000 | $165,000 | $0 | 9.08% |
| STOCKTON, CA (FHA|USDA|VA) | 7 | $1,945,000 | $277,857 | $0 | 9.35% |
| Key West, FL (FHA|USDA|VA) | 3 | $1,845,000 | $615,000 | $0 | 9.49% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 7 | $1,785,000 | $255,000 | $0 | 8.89% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 5 | $1,705,000 | $341,000 | $0 | 9.14% |
| GREELEY, CO (FHA|USDA|VA) | 4 | $1,680,000 | $420,000 | $0 | 8.87% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 6 | $1,660,000 | $276,667 | $0 | 9.25% |
| WILMINGTON, NC (FHA|USDA|VA) | 3 | $1,575,000 | $525,000 | $0 | 8.16% |
| FRESNO, CA (FHA|USDA|VA) | 5 | $1,525,000 | $305,000 | $0 | 8.87% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $1,515,000 | $1,515,000 | $0 | 7.50% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 6 | $1,490,000 | $248,333 | $0 | 8.58% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 6 | $1,450,000 | $241,667 | $0 | 8.71% |
| NAPA, CA (FHA|USDA|VA) | 2 | $1,410,000 | $705,000 | $0 | 8.99% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 5 | $1,405,000 | $281,000 | $0 | 9.69% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 6 | $1,330,000 | $221,667 | $0 | 9.33% |
| BOULDER, CO (FHA|USDA|VA) | 3 | $1,325,000 | $441,667 | $0 | 8.37% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 5 | $1,275,000 | $255,000 | $0 | 9.30% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 9 | $1,245,000 | $138,333 | $0 | 8.87% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 7 | $1,225,000 | $175,000 | $0 | 8.82% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 6 | $1,220,000 | $203,333 | $0 | 9.46% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 6 | $1,190,000 | $198,333 | $0 | 9.08% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $945,000 | $945,000 | $0 | 7.99% |
| VALLEJO, CA (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $0 | 9.06% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $0 | 9.25% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $0 | 9.12% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $0 | 9.99% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $0 | 8.75% |
| BEND, OR (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $0 | 9.42% |
| COLUMBIA, SC (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $0 | 9.16% |
| Astoria, OR (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $0 | 10.00% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $0 | 8.83% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $0 | 8.87% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $0 | 7.99% |
| PANAMA CITY, FL (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $0 | 8.66% |
| PUEBLO, CO (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $0 | 8.99% |
| BELLINGHAM, WA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $0 | 8.49% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $0 | 9.49% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $0 | 9.25% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 8.99% |
| Centralia, WA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 8.99% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $0 | 9.13% |
| TUCSON, AZ (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $0 | 8.38% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 12.50% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $0 | 9.25% |
| WENATCHEE, WA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $0 | 8.50% |
| Moses Lake, WA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $0 | 9.49% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 8.75% |
| Aberdeen, WA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $0 | 9.25% |
| Clearlake, CA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 9.37% |
| YAKIMA, WA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 9.75% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 10.50% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 9.63% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 8.99% |
| Shelton, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 9.50% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 9.50% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 8.87% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 8.50% |
| Shelby, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 10.99% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 9.50% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 8.50% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 8.25% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 8.99% |
| MERCED, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 9.75% |
| MADERA, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 8.75% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 9.25% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 10.75% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 9.50% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 9.50% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 10.00% |
| OCALA, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 9.25% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 10.25% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 8.75% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 8.25% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 9.50% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 9.38% |
| Othello, WA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 8.75% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 8.50% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 8.50% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 9.25% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 8.75% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 8.75% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 8.99% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 9.25% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 8.99% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 9.75% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 9.25% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 9.50% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 9.50% |
| Kinston, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.99% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.99% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.25% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.99% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 8.50% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 2,318 | $1,145,440,000 | $494,150 | $0 | 9.06% |
For 2019, Civic Financial Services's most frequently originated type of loan was Conventional, with 2,318 originations.
Loan Reason
For 2019, Civic Financial Services's most frequently cited loan purpose was Home Purchase, with 1,107 originations. The 2nd most popular reason was Refi, with 949 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 1 Year | 1,980 | $967,540,000 | $488,657 | $0 | 9.10% |
| Other | 338 | $177,900,000 | $526,331 | $0 | 8.82% |
For 2019, Civic Financial Services's most frequently cited loan duration was 1 Year, with 1,980 originations. The 2nd most popular length was Other, with 338 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 2,098 | $929,350,000 | $442,969 |
| 7-8% | 179 | $180,385,000 | $1,007,737 |
| 6-7% | 7 | $22,525,000 | $3,217,857 |
During 2019, 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 2,098 originations.
Loan Sizing
2019 saw Civic Financial Services place emphasis on $200k-400k loans with 756 originations, totaling $211,510,000 in origination value.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.60%
Civic Financial Services has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination67.13%
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 | 2,318 | $1,145,440,000 | $494,150 |
Occupancy Type Mix
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Civic Financial Services, Inc. | Conventional home mortgage | Trouble during payment process | 1 | 50.0% |
| Civic Financial Services, Inc. | Other type of mortgage | Trouble during payment process | 1 | 50.0% |