City Lending Inc. mortgage approval rate & lending review
City Lending Inc. decided 3,459 mortgage applications and funded 2,815 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions City Lending Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
City Lending Inc. at a glance
Approval is 3.8 points below the 86.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 85% | 1,976 / 2,332 | 100% | $365K | 1,972 |
| Cash-out refinance | 64% | 98 / 152 | 97% | $275K | 95 |
| Refinance | 63% | 90 / 143 | 94% | $385K | 85 |
| Investment property purchase | 82% | 643 / 783 | 97% | $245K | 626 |
| Investment cash-out refinance | 76% | 25 / 33 | 92% | $155K | 23 |
City Lending Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Maryland | 85% | $365K | 1,372 | 1,148 |
| Virginia | 83% | $425K | 911 | 753 |
| Florida | 83% | $295K | 370 | 307 |
| Texas | 78% | $205K | 210 | 161 |
| North Carolina | 79% | $265K | 149 | 115 |
| California | 71% | $5K | 83 | 59 |
| Washington | 79% | $535K | 56 | 44 |
| Indiana | 64% | $5K | 28 | 18 |
| Arizona | 93% | $235K | 27 | 24 |
| Pennsylvania | 68% | $185K | 25 | 17 |
| New Jersey | 62% | $5K | 24 | 14 |
| West Virginia | 88% | $295K | 24 | 21 |
| Illinois | 86% | $275K | 22 | 19 |
| District of Columbia | 62% | $425K | 21 | 13 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where City Lending Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Prince George's County, MD | Mortgage lenders | 84% | 427 | 359 |
| Prince William County, VA | Mortgage lenders | 86% | 262 | 225 |
| Montgomery County, MD | Mortgage lenders | 89% | 109 | 97 |
| Anne Arundel County, MD | Mortgage lenders | 88% | 96 | 84 |
| Prince George's County, MD | Investment property purchase | 90% | 94 | 82 |
| Stafford County, VA | Mortgage lenders | 83% | 99 | 82 |
| Spotsylvania County, VA | Mortgage lenders | 90% | 84 | 76 |
| Baltimore County, MD | Mortgage lenders | 86% | 74 | 64 |
| Baltimore city, MD | Mortgage lenders | 86% | 74 | 64 |
| Charles County, MD | Mortgage lenders | 81% | 59 | 48 |
| Loudoun County, VA | Mortgage lenders | 89% | 54 | 48 |
| Anne Arundel County, MD | Investment property purchase | 89% | 47 | 42 |
The county markets where City Lending Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about City Lending Inc.
What is City Lending Inc.'s mortgage approval rate?
City Lending Inc. approved 82.3% of the 3,459 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.8 points below the 86.1% national rate for the same mix of loan types.
How often do borrowers take the loan City Lending Inc. offers?
Borrowers accepted 99% of the loans City Lending Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does City Lending Inc. make?
The typical home purchase mortgage loan City Lending Inc. made was $365K; across all loan types its typical loan ran from $155K to $385K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does City Lending Inc. lend?
City Lending Inc. decided applications in 28 of the states Fat Boy Data covers, most of them in Maryland, Virginia and Florida.
Can I apply to City Lending Inc. directly?
Yes. City Lending Inc. reports as a direct lender that takes applications from borrowers.
Does this page show City Lending Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how City Lending Inc. treats applications, then get a rate quote from the lender.