Csl Financial, LLC Mortgage Lending & HMDA Data, 2018
In 2018, Csl Financial, LLC of Birmingham, AL reported 1,705 mortgage applications totaling $99.9 million, down 79% from 2017. The average application was for $58,589, and applicants reported an average income of $54,000. 51% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (61), Midland, TX (59) and San Antonio-New Braunfels, TX (54) (applications in parentheses).
| Mortgage Company & Address | Csl Financial, LLC 500 Office Park Drive Suite 310 Birmingham, AL 35223 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 1,705 |
| Total Mortgage Loan Application Amount | $99,895,000 |
| Average Mortgage Loan Application Amount | $58,589 |
| Highest Mortgage Loan Application Amount | $155,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $443,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Csl Financial, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 594 | $ 35,240,000 | $ 59,326 | $ 53,355 |
| Houston-The Woodlands-Sugar Land, TX | 61 | $ 4,055,000 | $ 66,475 | $ 64,000 |
| Midland, TX | 59 | $ 3,405,000 | $ 57,711 | $ 59,000 |
| San Antonio-New Braunfels, TX | 54 | $ 3,240,000 | $ 60,000 | $ 57,000 |
| Austin-Round Rock, TX | 51 | $ 2,925,000 | $ 57,352 | $ 60,000 |
| Odessa, TX | 48 | $ 2,910,000 | $ 60,625 | $ 60,000 |
| Birmingham-Hoover, AL | 36 | $ 2,070,000 | $ 57,500 | $ 49,000 |
| Dallas-Plano-Irving, TX | 32 | $ 2,030,000 | $ 63,437 | $ 57,000 |
| Baton Rouge, LA | 28 | $ 1,350,000 | $ 48,214 | $ 41,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 26 | $ 1,720,000 | $ 66,153 | $ 51,000 |
| Lafayette, LA | 25 | $ 1,285,000 | $ 51,400 | $ 48,000 |
| Oklahoma City, OK | 24 | $ 1,400,000 | $ 58,333 | $ 55,000 |
| Little Rock-North Little Rock-Conway, AR | 23 | $ 1,155,000 | $ 50,217 | $ 44,000 |
| Lake Charles, LA | 22 | $ 1,210,000 | $ 55,000 | $ 58,000 |
| Monroe, LA | 22 | $ 1,160,000 | $ 52,727 | $ 54,000 |
| Shreveport-Bossier City, LA | 22 | $ 1,090,000 | $ 49,545 | $ 44,000 |
| Corpus Christi, TX | 16 | $ 800,000 | $ 50,000 | $ 51,000 |
| Fort Worth-Arlington, TX | 15 | $ 985,000 | $ 65,666 | $ 49,000 |
| Charleston-North Charleston, SC | 14 | $ 840,000 | $ 60,000 | $ 41,000 |
| Columbia, SC | 14 | $ 850,000 | $ 60,714 | $ 71,000 |
| Greenville-Anderson-Mauldin, SC | 13 | $ 845,000 | $ 65,000 | $ 49,000 |
| College Station-Bryan, TX | 12 | $ 690,000 | $ 57,500 | $ 56,000 |
| Dothan, AL | 12 | $ 600,000 | $ 50,000 | $ 34,000 |
| Florence, SC | 11 | $ 545,000 | $ 49,545 | $ 64,000 |
| Florence-Muscle Shoals, AL | 11 | $ 635,000 | $ 57,727 | $ 46,000 |
| McAllen-Edinburg-Mission, TX | 11 | $ 505,000 | $ 45,909 | $ 36,000 |
| Victoria, TX | 11 | $ 615,000 | $ 55,909 | $ 61,000 |
| Alexandria, LA | 10 | $ 550,000 | $ 55,000 | $ 60,000 |
| Beaumont-Port Arthur, TX | 9 | $ 555,000 | $ 61,666 | $ 82,000 |
| Jackson, MS | 9 | $ 505,000 | $ 56,111 | $ 41,000 |
| Laredo, TX | 9 | $ 415,000 | $ 46,111 | $ 35,000 |
| Mobile, AL | 9 | $ 555,000 | $ 61,666 | $ 42,000 |
| Augusta-Richmond County, GA-SC | 8 | $ 440,000 | $ 55,000 | $ 47,000 |
| Hattiesburg, MS | 8 | $ 390,000 | $ 48,750 | $ 55,000 |
| Tulsa, OK | 8 | $ 350,000 | $ 43,750 | $ 40,000 |
| Daphne-Fairhope-Foley, AL | 7 | $ 445,000 | $ 63,571 | $ 30,000 |
| Decatur, AL | 7 | $ 385,000 | $ 55,000 | $ 48,000 |
| Fort Smith, AR-OK | 7 | $ 455,000 | $ 65,000 | $ 40,285 |
| Tuscaloosa, AL | 7 | $ 395,000 | $ 56,428 | $ 47,000 |
| El Paso, TX | 6 | $ 340,000 | $ 56,666 | $ 95,000 |
| Anniston-Oxford-Jacksonville, AL | 5 | $ 345,000 | $ 69,000 | $ 67,000 |
| Atlanta-Sandy Springs-Roswell, GA | 5 | $ 315,000 | $ 63,000 | $ 68,000 |
| Killeen-Temple, TX | 5 | $ 395,000 | $ 79,000 | $ 59,000 |
| Abilene, TX | 4 | $ 260,000 | $ 65,000 | $ 67,000 |
| Goldsboro, NC | 4 | $ 240,000 | $ 60,000 | $ 51,000 |
| New Bern, NC | 4 | $ 230,000 | $ 57,500 | $ 57,000 |
| New Orleans-Metairie, LA | 4 | $ 200,000 | $ 50,000 | $ 47,000 |
| Texarkana, TX-AR | 4 | $ 310,000 | $ 77,500 | $ 48,000 |
| Fayetteville, NC | 3 | $ 225,000 | $ 75,000 | $ 36,000 |
| Jonesboro, AR | 3 | $ 135,000 | $ 45,000 | $ 70,000 |
| Longview, TX | 3 | $ 165,000 | $ 55,000 | $ 134,000 |
| Montgomery, AL | 3 | $ 185,000 | $ 61,666 | $ 101,000 |
| Pine Bluff, AR | 3 | $ 215,000 | $ 71,666 | $ 97,000 |
| Sherman-Denison, TX | 3 | $ 255,000 | $ 85,000 | $ 53,000 |
| Asheville, NC | 2 | $ 110,000 | $ 55,000 | $ 78,000 |
| Hammond, LA | 2 | $ 110,000 | $ 55,000 | $ 45,000 |
| Lubbock, TX | 2 | $ 160,000 | $ 80,000 | $ 66,000 |
| Memphis, TN-MS-AR | 2 | $ 100,000 | $ 50,000 | $ 35,500 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 130,000 | $ 65,000 | $ 47,000 |
| Spartanburg, SC | 2 | $ 100,000 | $ 50,000 | $ 31,000 |
| Albany, GA | 1 | $ 105,000 | $ 105,000 | $ 57,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 85,000 | $ 85,000 | $ 37,000 |
| Chattanooga, TN-GA | 1 | $ 25,000 | $ 25,000 | $ 51,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
| Gadsden, AL | 1 | $ 85,000 | $ 85,000 | $ 59,000 |
| Greenville, NC | 1 | $ 55,000 | $ 55,000 | $ 87,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 85,000 | $ 85,000 | $ 48,000 |
| Houma-Thibodaux, LA | 1 | $ 85,000 | $ 85,000 | $ 66,000 |
| Huntsville, AL | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Lawton, OK | 1 | $ 55,000 | $ 55,000 | $ 94,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 45,000 | $ 45,000 | $ 68,000 |
| Raleigh, NC | 1 | $ 55,000 | $ 55,000 | $ 84,000 |
| Rome, GA | 1 | $ 35,000 | $ 35,000 | $ 39,000 |
| San Angelo, TX | 1 | $ 95,000 | $ 95,000 | $ 37,000 |
| Savannah, GA | 1 | $ 55,000 | $ 55,000 | $ 29,000 |
| Sumter, SC | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Tyler, TX | 1 | $ 85,000 | $ 85,000 | $ 87,000 |
| Waco, TX | 1 | $ 65,000 | $ 65,000 | $ 73,000 |
Mortgage Loan Application Detail Totals for Csl Financial, LLC in 2018
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,705 | $99,895,000 | $58,000 | $155,000 | $54,000 | $443,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,023 | $60,205,000 | $58,000 | $155,000 | $56,000 | $443,000 |
| Hispanic | 330 | $19,740,000 | $59,000 | $145,000 | $55,000 | $313,000 |
| Black or African American | 243 | $13,125,000 | $54,000 | $145,000 | $41,000 | $165,000 |
| Not Provided | 73 | $4,775,000 | $65,000 | $145,000 | $67,000 | $340,000 |
| American Indian or Alaskan Native | 29 | $1,645,000 | $56,000 | $115,000 | $45,000 | $89,000 |
| Asian | 7 | $405,000 | $57,000 | $75,000 | $67,000 | $154,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,705 | $99,895,000 | $58,000 | $155,000 | $54,000 | $443,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 871 | $50,175,000 | $57,000 | $155,000 | $53,000 | $235,000 |
| Application Withdrawn By Applicant | 665 | $39,685,000 | $59,000 | $155,000 | $57,000 | $443,000 |
| Application Denied By Financial Institution | 169 | $10,035,000 | $59,000 | $145,000 | $49,000 | $313,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,536 | $89,860,000 | $58,000 | $155,000 | $54,000 | $443,000 |
| Credit Application Incomplete | 162 | $9,680,000 | $59,000 | $145,000 | $49,000 | $313,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $170,000 | $42,000 | $55,000 | $38,000 | $51,000 |
| Employment History | 3 | $185,000 | $61,000 | $75,000 | $66,000 | $133,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Csl Financial, LLC's 2018 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Csl Financial, LLC's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Alabama, download the full spreadsheet
with aggregated HMDA statistics today.
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