CIS Financial Services, Inc. closing costs and rates (2024)
In 2024, CIS Financial Services, Inc. originated 339 purchase mortgages at a median interest rate of 9.20% and median total closing costs of $2,423. That is $4,318 below the national median of $6,741. CIS Financial Services, Inc. is most active in Alabama with 103 originations there.
Purchase Originations
339
Median Total Costs
$2,423
−64.1% vs national ($6,741)
Median Rate
9.200%
+39.0% vs national (6.620%)
Median Origination
$1,518
Median Lender Credits
$128
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 302 | 9.220% | $1,815 | $999 |
| fha | 24 | 6.625% | $7,886 | $2,880 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Alabama | 103 | 8.200% | $3,612 | #85 |
| Mississippi | 67 | 9.400% | $1,684 | #58 |
| California | 36 | 9.200% | $4,329 | — |
| Florida | 26 | 9.150% | $2,488 | — |
| Arkansas | 23 | 9.250% | $1,691 | — |
| Texas | 21 | 9.400% | $3,353 | — |
| Louisiana | 15 | 9.200% | $1,687 | — |
| Tennessee | 12 | 9.000% | $1,721 | — |
| Georgia | 10 | 9.300% | $2,183 | — |
| Washington | 7 | 9.400% | $5,884 | — |
| Kentucky | 4 | 8.975% | $4,161 | — |
| Missouri | 4 | 9.400% | $2,856 | — |
| North Carolina | 4 | 8.345% | $3,068 | — |
| Oklahoma | 3 | 8.500% | $1,641 | — |
| Michigan | 2 | 8.875% | $5,013 | — |
| New Mexico | 1 | 10.550% | $2,546 | — |
| Virginia | 1 | 9.400% | $1,675 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,656 | 9.400% | — | 5 | −$767 | |
| 2 | $1,658 | 9.475% | — | 4 | −$765 | |
| 3 | $1,660 | 8.950% | — | 4 | −$763 | |
| 4 | $1,668 | 9.400% | — | 5 | −$755 | |
| 5 | $1,923 | 8.200% | — | 3 | −$500 | |
| 6 | $2,422 | 9.400% | — | 5 | −$1 | |
| 7 | $2,672 | 9.250% | — | 4 | +$249 | |
| 8 | $3,168 | 8.500% | — | 6 | +$745 | |
| 9 | $4,215 | 9.200% | — | 5 | +$1,792 | |
| 10 | $4,272 | 9.000% | — | 3 | +$1,849 | |
| 11 | $4,320 | 9.200% | — | 8 | +$1,897 | |
| 12 | $4,453 | 7.490% | — | 3 | +$2,030 | |
| 13 | $5,182 | 6.625% | — | 11 | +$2,759 | |
| 14 | $5,303 | 9.400% | — | 5 | +$2,880 | |
| 15 | $5,902 | 9.200% | — | 3 | +$3,479 | |
| 16 | $5,995 | 6.875% | — | 6 | +$3,572 | |
| 17 | $6,033 | 6.375% | — | 6 | +$3,610 | |
| 18 | $6,308 | 6.625% | — | 8 | +$3,885 | |
| 19 | $6,455 | 6.625% | — | 11 | +$4,032 | |
| 20 | $6,891 | 7.125% | — | 5 | +$4,468 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.