# CIS Financial Services, Inc.

> **Canonical URL:** https://saferate.com/lenders/cis-financial-services


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


CIS Financial Services, Inc. is a independent mortgage company, headquartered in HAMILTON, AL, serving borrowers across 4 states, with 50 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 79% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 71% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300OSY236S7MBKO83
- **Headquarters:** HAMILTON, AL
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** AL, MS, TN, VA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 21/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 29/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.470%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,216
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 50
- **Dollar Volume:** $10 million
- **Applications Received:** 87
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $190,200
- **Average Borrower Income:** $77,480
- **Average Property Value:** $224,600

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 12/100 | 16 | +0.414% | $3,254 | Mediocre 😐 |
| FHA | 52/100 | 20 | +0.594% | $3,133 | Sound ☺️ |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 34/100 | 44 | $8M | +0.482% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AL | 40 | 0.07% | 64/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 20 | 40/100 |
| Florence | AL | 10 | 48/100 |

## Where This Lender Ranks

CIS Financial Services, Inc. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#15** in Florence for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/florence/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does CIS Financial Services, Inc. offer?

CIS Financial Services, Inc. offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CIS Financial Services, Inc. offer mortgages?

CIS Financial Services, Inc. offers mortgages in 4 states: AL, MS, TN, VA.

### How competitive are CIS Financial Services, Inc.'s mortgage rates?

CIS Financial Services, Inc. has a pricing score of 21/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.470% above market average.

### What type of lender is CIS Financial Services, Inc.?

CIS Financial Services, Inc. is a non-depository lender that specializes in mortgage origination, headquartered in HAMILTON, AL.

### What is CIS Financial Services, Inc.'s loan approval success rate?

CIS Financial Services, Inc. has a pull-through score of 29/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/cis-financial-services

### How to Cite

> "CIS Financial Services, Inc. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/cis-financial-services

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