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 Cash Out Refi loans. Civic Financial Services has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Seattle, Atlanta, Dallas, and Miami among others. We have data for 163 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.27% | 12/16/24 |
| 30 Year Conventional Refi | 6.27% | 12/16/24 |
| 30 Year Cash-out Refi | 6.27% | 12/16/24 |
| 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
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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
2,594Origination Dollar Volume (All Markets)
$1,189,900,000Top 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) | 200 | $422,150,000 | $2,110,750 | $0 | 9.42% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 104 | $58,200,000 | $559,615 | $0 | 9.44% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 227 | $56,645,000 | $249,537 | $0 | 8.78% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 161 | $45,395,000 | $281,957 | $0 | 8.68% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 159 | $44,705,000 | $281,164 | $0 | 9.41% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 41 | $31,105,000 | $758,659 | $0 | 9.12% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 88 | $30,890,000 | $351,023 | $0 | 9.40% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 36 | $29,410,000 | $816,944 | $0 | 8.94% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 63 | $25,445,000 | $403,889 | $0 | 9.31% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 98 | $22,780,000 | $232,449 | $0 | 8.78% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 40 | $22,340,000 | $558,500 | $0 | 9.18% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 32 | $21,700,000 | $678,125 | $0 | 8.93% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 102 | $20,450,000 | $200,490 | $0 | 9.11% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 93 | $18,605,000 | $200,054 | $0 | 8.84% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 54 | $18,560,000 | $343,704 | $0 | 9.14% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 62 | $18,270,000 | $294,677 | $0 | 8.98% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 26 | $17,300,000 | $665,385 | $0 | 9.71% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 73 | $17,095,000 | $234,178 | $0 | 8.26% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 15 | $14,775,000 | $985,000 | $0 | 8.49% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 29 | $13,485,000 | $465,000 | $0 | 9.05% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 35 | $9,815,000 | $280,429 | $0 | 8.50% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 12 | $9,670,000 | $805,833 | $0 | 9.82% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 30 | $9,600,000 | $320,000 | $0 | 8.65% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 28 | $8,910,000 | $318,214 | $0 | 9.51% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 6 | $7,770,000 | $1,295,000 | $0 | 8.29% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 34 | $7,520,000 | $221,176 | $0 | 8.64% |
| Outside of Metro Areas | 10 | $6,900,000 | $690,000 | $0 | 9.77% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 10 | $6,720,000 | $672,000 | $0 | 9.91% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 35 | $6,375,000 | $182,143 | $0 | 8.69% |
| Hilo, HI (FHA|USDA|VA) | 7 | $5,795,000 | $827,857 | $0 | 8.93% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 9 | $5,605,000 | $622,778 | $0 | 9.19% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 9 | $5,355,000 | $595,000 | $0 | 9.52% |
| PROVO-OREM, UT (FHA|USDA|VA) | 3 | $5,295,000 | $1,765,000 | $0 | 7.24% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 33 | $5,065,000 | $153,485 | $0 | 8.74% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 6 | $4,760,000 | $793,333 | $0 | 8.35% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 27 | $4,715,000 | $174,630 | $0 | 8.59% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 15 | $4,105,000 | $273,667 | $0 | 9.54% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 11 | $4,005,000 | $364,091 | $0 | 8.92% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 13 | $3,805,000 | $292,692 | $0 | 9.57% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 19 | $3,655,000 | $192,368 | $0 | 8.27% |
| RENO, NV (FHA|USDA|VA) | 15 | $3,615,000 | $241,000 | $0 | 8.81% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $3,505,000 | $3,505,000 | $0 | 9.50% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 18 | $3,500,000 | $194,444 | $0 | 8.97% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 21 | $3,455,000 | $164,524 | $0 | 8.47% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 16 | $3,140,000 | $196,250 | $0 | 9.22% |
| RICHMOND, VA (FHA|USDA|VA) | 19 | $3,075,000 | $161,842 | $0 | 8.23% |
| GETTYSBURG, PA (FHA|USDA|VA) | 21 | $3,035,000 | $144,524 | $0 | 7.46% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 10 | $3,020,000 | $302,000 | $0 | 7.99% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 10 | $3,010,000 | $301,000 | $0 | 9.58% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 3 | $2,975,000 | $991,667 | $0 | 9.91% |
| BOISE CITY, ID (FHA|USDA|VA) | 14 | $2,890,000 | $206,429 | $0 | 9.80% |
| FRESNO, CA (FHA|USDA|VA) | 11 | $2,735,000 | $248,636 | $0 | 9.51% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 14 | $2,600,000 | $185,714 | $0 | 9.13% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 22 | $2,490,000 | $113,182 | $0 | 8.32% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 24 | $2,490,000 | $103,750 | $0 | 6.89% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 10 | $2,480,000 | $248,000 | $0 | 8.48% |
| STOCKTON, CA (FHA|USDA|VA) | 9 | $2,375,000 | $263,889 | $0 | 9.62% |
| SALEM, OR (FHA|USDA|VA) | 10 | $2,370,000 | $237,000 | $0 | 8.18% |
| SALINAS, CA (FHA|USDA|VA) | 3 | $2,315,000 | $771,667 | $0 | 10.66% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 9 | $2,275,000 | $252,778 | $0 | 8.50% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 13 | $2,195,000 | $168,846 | $0 | 7.69% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 7 | $1,995,000 | $285,000 | $0 | 9.50% |
| VALLEJO, CA (FHA|USDA|VA) | 6 | $1,860,000 | $310,000 | $0 | 9.04% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 6 | $1,830,000 | $305,000 | $0 | 9.91% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 4 | $1,640,000 | $410,000 | $0 | 8.62% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 10 | $1,630,000 | $163,000 | $0 | 7.43% |
| WILMINGTON, NC (FHA|USDA|VA) | 8 | $1,610,000 | $201,250 | $0 | 8.51% |
| Heber, UT (FHA|USDA|VA) | 1 | $1,575,000 | $1,575,000 | $0 | 10.25% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 9 | $1,575,000 | $175,000 | $0 | 7.82% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 3 | $1,435,000 | $478,333 | $0 | 9.33% |
| PITTSBURGH, PA (FHA|USDA|VA) | 6 | $1,430,000 | $238,333 | $0 | 7.25% |
| KNOXVILLE, TN (FHA|USDA|VA) | 10 | $1,300,000 | $130,000 | $0 | 7.96% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 3 | $1,255,000 | $418,333 | $0 | 10.16% |
| Key West, FL (FHA|USDA|VA) | 2 | $1,250,000 | $625,000 | $0 | 7.99% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 12 | $1,250,000 | $104,167 | $0 | 7.43% |
| OCALA, FL (FHA|USDA|VA) | 5 | $1,245,000 | $249,000 | $0 | 7.72% |
| COLUMBIA, SC (FHA|USDA|VA) | 6 | $1,100,000 | $183,333 | $0 | 9.50% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 3 | $1,065,000 | $355,000 | $0 | 7.38% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $0 | 8.79% |
| TUCSON, AZ (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $0 | 9.35% |
| ASHEVILLE, NC (FHA|USDA|VA) | 5 | $915,000 | $183,000 | $0 | 8.92% |
| BEND, OR (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $0 | 10.00% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 6 | $860,000 | $143,333 | $0 | 8.50% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $0 | 8.69% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 5 | $735,000 | $147,000 | $0 | 8.82% |
| MODESTO, CA (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $0 | 9.91% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $0 | 9.33% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $0 | 8.99% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $0 | 8.13% |
| NAPA, CA (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $0 | 8.75% |
| PANAMA CITY, FL (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $0 | 8.62% |
| Oak Harbor, WA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $0 | 9.99% |
| VISALIA, CA (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $0 | 9.00% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 4 | $570,000 | $142,500 | $0 | 10.31% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $0 | 10.87% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 4 | $550,000 | $137,500 | $0 | 9.31% |
| BELLINGHAM, WA (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $0 | 8.29% |
| Astoria, OR (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $0 | 9.50% |
| SAVANNAH, GA (FHA|USDA|VA) | 4 | $520,000 | $130,000 | $0 | 7.69% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 6.25% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $0 | 10.75% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $0 | 6.69% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $0 | 9.50% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $0 | 7.81% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $0 | 7.96% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 9.50% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $0 | 7.81% |
| TYLER, TX (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $0 | 8.79% |
| YAKIMA, WA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $0 | 8.62% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $0 | 8.38% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 11.50% |
| MIDLAND, TX (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $0 | 7.50% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $0 | 9.16% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $0 | 9.91% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 8.99% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 6.99% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 9.62% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 10.62% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 9.75% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 6.50% |
| Shelton, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 6.75% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 8.99% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 8.99% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $0 | 7.69% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $0 | 7.49% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 9.75% |
| Cordele, GA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 9.99% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 9.25% |
| MADERA, CA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 7.50% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 8.50% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 10.50% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 10.25% |
| Granbury, TX (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $0 | 7.88% |
| BURLINGTON, NC (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 6.56% |
| Fernley, NV (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 9.99% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 8.75% |
| ROME, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 10.00% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 7.25% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 7.24% |
| Orangeburg, SC (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 7.75% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 9.25% |
| Vernal, UT (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 6.99% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 7.50% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 9.00% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 10.75% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 6.38% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 6.25% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 11.00% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 11.00% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 9.99% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 8.99% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 10.99% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 6.88% |
| WACO, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 6.99% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.88% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.50% |
| Bonham, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 9.50% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 8.24% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 6.75% |
| Lumberton, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 8.75% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.75% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.63% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.50% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 2,594 | $1,189,900,000 | $458,712 | $0 | 8.93% |
For 2020, Civic Financial Services's most frequently originated type of loan was Conventional, with 2,594 originations.
Loan Reason
For 2020, Civic Financial Services's most frequently cited loan purpose was Home Purchase, with 1,088 originations. The 2nd most popular reason was Cash Out Refi, with 822 originations.
Loan Duration/Length
For 2020, Civic Financial Services's most frequently cited loan duration was 1 Year, with 1,555 originations. The 2nd most popular length was 30 Year, with 862 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 1,747 | $963,705,000 | $551,634 |
| 7-8% | 425 | $109,045,000 | $256,576 |
| 6-7% | 406 | $107,390,000 | $264,507 |
| 5-6% | 16 | $9,760,000 | $610,000 |
During 2020, Civic Financial Services's average interest rate for loans was 7.18%, while their most frequently originated rate bucket for loans was Over 8%, with 1,747 originations.
Loan Sizing
2020 saw Civic Financial Services place emphasis on $100k-200k loans with 1,042 originations, totaling $151,900,000 in origination value.
Ethnicity Mix
Approval Rates
Total approvals of all applications89.29%
Civic Financial Services has an average approval rate.
Pick Rate
Approvals leading to origination33.96%
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 | 2,594 | $1,189,900,000 | $458,712 |