Csl Financial, LLC Mortgage Lending & HMDA Data, 2021
In 2021, Csl Financial, LLC of Birmingham, AL reported 1,224 mortgage applications totaling $100.3 million, down 6% from 2020. The average application was for $81,919, and applicants reported an average income of $58,000. 54% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (26), Lake Charles, LA (25) and Lafayette, LA (23) (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 | 1,224 |
| Total Mortgage Loan Application Amount | $100,270,000 |
| Average Mortgage Loan Application Amount | $81,919 |
| Highest Mortgage Loan Application Amount | $295,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $432,000 |
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Act (HMDA) records Csl Financial, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 300 | $ 24,550,000 | $ 81,833 | $ 60,623 |
| Houston-The Woodlands-Sugar Land, TX | 26 | $ 2,020,000 | $ 77,692 | $ 59,000 |
| Lake Charles, LA | 25 | $ 2,145,000 | $ 85,800 | $ 76,000 |
| Lafayette, LA | 23 | $ 1,665,000 | $ 72,391 | $ 49,000 |
| Baton Rouge, LA | 20 | $ 1,440,000 | $ 72,000 | $ 68,000 |
| San Antonio-New Braunfels, TX | 16 | $ 1,310,000 | $ 81,875 | $ 70,000 |
| Birmingham-Hoover, AL | 14 | $ 1,330,000 | $ 95,000 | $ 64,000 |
| Hattiesburg, MS | 13 | $ 1,045,000 | $ 80,384 | $ 41,000 |
| Oklahoma City, OK | 11 | $ 845,000 | $ 76,818 | $ 66,000 |
| Austin-Round Rock, TX | 10 | $ 970,000 | $ 97,000 | $ 60,000 |
| Columbia, SC | 8 | $ 640,000 | $ 80,000 | $ 51,000 |
| College Station-Bryan, TX | 7 | $ 555,000 | $ 79,285 | $ 61,000 |
| Gulfport-Biloxi-Pascagoula, MS | 7 | $ 705,000 | $ 100,714 | $ 67,000 |
| Huntsville, AL | 7 | $ 445,000 | $ 63,571 | $ 51,000 |
| Montgomery, AL | 7 | $ 585,000 | $ 83,571 | $ 59,000 |
| Odessa, TX | 7 | $ 755,000 | $ 107,857 | $ 80,000 |
| Beaumont-Port Arthur, TX | 6 | $ 560,000 | $ 93,333 | $ 113,000 |
| Hammond, LA | 6 | $ 580,000 | $ 96,666 | $ 58,000 |
| Little Rock-North Little Rock-Conway, AR | 6 | $ 420,000 | $ 70,000 | $ 79,000 |
| Midland, TX | 6 | $ 660,000 | $ 110,000 | $ 60,000 |
| Mobile, AL | 6 | $ 510,000 | $ 85,000 | $ 53,000 |
| Monroe, LA | 6 | $ 390,000 | $ 65,000 | $ 44,000 |
| Pine Bluff, AR | 6 | $ 480,000 | $ 80,000 | $ 59,000 |
| Tuscaloosa, AL | 6 | $ 470,000 | $ 78,333 | $ 44,000 |
| Charleston-North Charleston, SC | 5 | $ 385,000 | $ 77,000 | $ 45,000 |
| Daphne-Fairhope-Foley, AL | 5 | $ 365,000 | $ 73,000 | $ 55,000 |
| Decatur, AL | 5 | $ 405,000 | $ 81,000 | $ 45,000 |
| Jackson, MS | 5 | $ 495,000 | $ 99,000 | $ 54,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 5 | $ 465,000 | $ 93,000 | $ 56,800 |
| Augusta-Richmond County, GA-SC | 4 | $ 330,000 | $ 82,500 | $ 73,000 |
| Chattanooga, TN-GA | 4 | $ 380,000 | $ 95,000 | $ 47,250 |
| Fort Worth-Arlington, TX | 4 | $ 390,000 | $ 97,500 | $ 78,000 |
| Houma-Thibodaux, LA | 4 | $ 350,000 | $ 87,500 | $ 56,000 |
| Killeen-Temple, TX | 4 | $ 320,000 | $ 80,000 | $ 59,000 |
| Memphis, TN-MS-AR | 4 | $ 380,000 | $ 95,000 | $ 61,250 |
| Victoria, TX | 4 | $ 270,000 | $ 67,500 | $ 97,000 |
| Florence-Muscle Shoals, AL | 3 | $ 155,000 | $ 51,666 | $ 56,000 |
| Fort Smith, AR-OK | 3 | $ 245,000 | $ 81,666 | $ 47,666 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 235,000 | $ 78,333 | $ 55,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 245,000 | $ 81,666 | $ 50,000 |
| Tyler, TX | 3 | $ 185,000 | $ 61,666 | $ 39,000 |
| Anniston-Oxford-Jacksonville, AL | 2 | $ 180,000 | $ 90,000 | $ 72,000 |
| Corpus Christi, TX | 2 | $ 90,000 | $ 45,000 | $ 23,000 |
| Dallas-Plano-Irving, TX | 2 | $ 130,000 | $ 65,000 | $ 89,000 |
| Dothan, AL | 2 | $ 140,000 | $ 70,000 | $ 114,000 |
| Fayetteville, NC | 2 | $ 180,000 | $ 90,000 | $ 60,000 |
| Gadsden, AL | 2 | $ 210,000 | $ 105,000 | $ 51,000 |
| Greenville, NC | 2 | $ 130,000 | $ 65,000 | $ 30,000 |
| Jonesboro, AR | 2 | $ 210,000 | $ 105,000 | $ 88,000 |
| Longview, TX | 2 | $ 170,000 | $ 85,000 | $ 45,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 80,000 | $ 40,000 | $ 41,000 |
| New Orleans-Metairie, LA | 2 | $ 150,000 | $ 75,000 | $ 49,000 |
| Rocky Mount, NC | 2 | $ 160,000 | $ 80,000 | $ 43,000 |
| Abilene, TX | 1 | $ 45,000 | $ 45,000 | $ 61,000 |
| Alexandria, LA | 1 | $ 75,000 | $ 75,000 | $ 26,000 |
| Asheville, NC | 1 | $ 55,000 | $ 55,000 | $ 81,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 75,000 | $ 75,000 | $ 31,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 65,000 | $ 65,000 | $ 23,000 |
| El Paso, TX | 1 | $ 65,000 | $ 65,000 | $ 116,000 |
| Florence, SC | 1 | $ 85,000 | $ 85,000 | $ 116,000 |
| Goldsboro, NC | 1 | $ 65,000 | $ 65,000 | $ 31,000 |
| Greensboro-High Point, NC | 1 | $ 65,000 | $ 65,000 | $ 63,000 |
| Knoxville, TN | 1 | $ 95,000 | $ 95,000 | $ 120,000 |
| Laredo, TX | 1 | $ 55,000 | $ 55,000 | $ 37,000 |
| Lawton, OK | 1 | $ 65,000 | $ 65,000 | $ 52,000 |
| Sherman-Denison, TX | 1 | $ 75,000 | $ 75,000 | $ 95,000 |
| Tulsa, OK | 1 | $ 155,000 | $ 155,000 | $ 199,000 |
Mortgage Loan Application Detail Totals for Csl Financial, LLC in 2021
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 | 1,224 | $100,270,000 | $81,000 | $295,000 | $58,000 | $432,000 |
| 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 | 721 | $59,525,000 | $82,000 | $295,000 | $63,000 | $432,000 |
| Black or African American | 272 | $21,400,000 | $78,000 | $185,000 | $47,000 | $156,000 |
| Hispanic | 133 | $11,165,000 | $83,000 | $225,000 | $54,000 | $166,000 |
| Not Provided | 67 | $5,645,000 | $84,000 | $185,000 | $62,000 | $240,000 |
| American Indian or Alaskan Native | 21 | $1,685,000 | $80,000 | $135,000 | $67,000 | $285,000 |
| Asian | 7 | $615,000 | $87,000 | $105,000 | $53,000 | $95,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $235,000 | $78,000 | $145,000 | $44,000 | $89,000 |
| 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) | 1,224 | $100,270,000 | $81,000 | $295,000 | $58,000 | $432,000 |
| 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 | 655 | $53,545,000 | $81,000 | $235,000 | $61,000 | $282,000 |
| Application Denied By Financial Institution | 303 | $25,425,000 | $83,000 | $255,000 | $50,000 | $374,000 |
| Application Withdrawn By Applicant | 266 | $21,300,000 | $80,000 | $295,000 | $60,000 | $432,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1,099 | $90,385,000 | $82,000 | $295,000 | $57,000 | $432,000 |
| Credit Application Incomplete | 104 | $7,940,000 | $76,000 | $215,000 | $65,000 | $374,000 |
| Employment History | 9 | $965,000 | $107,000 | $255,000 | $74,000 | $286,000 |
| Unverifiable Information | 7 | $625,000 | $89,000 | $155,000 | $49,000 | $92,000 |
| Credit History | 4 | $310,000 | $77,000 | $95,000 | $58,000 | $79,000 |
| Collateral | 1 | $45,000 | $45,000 | $45,000 | $100,000 | $100,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Csl Financial, LLC's 2021 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About