Civic Federal Credit Union mortgage approval rate & lending review
Civic Federal Credit Union decided 4,501 mortgage applications and funded 2,980 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Civic Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Civic Federal Credit Union at a glance
Approval is 5.6 points below the 72.8% 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 | 79% | 907 / 1,149 | 98% | $255K | 891 |
| Home improvement loans | 64% | 1,148 / 1,799 | 100% | $55K | 1,143 |
| Cash-out refinance | 46% | 192 / 418 | 97% | $25K | 187 |
| Refinance | 71% | 676 / 953 | 98% | $95K | 665 |
| Investment property purchase | 72% | 41 / 57 | 95% | $165K | 39 |
| Investment refinance | 56% | 19 / 34 | 95% | $65K | 18 |
| Investment home improvement | 46% | 34 / 74 | 97% | $75K | 33 |
Civic Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| North Carolina | 67% | $95K | 4,380 | 2,907 |
| South Carolina | 66% | $225K | 99 | 65 |
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 Civic Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Wake County, NC | Home improvement loans | 65% | 149 | 97 |
| Mecklenburg County, NC | Home improvement loans | 55% | 146 | 80 |
| Wake County, NC | Refinance | 81% | 91 | 72 |
| Johnston County, NC | Home improvement loans | 70% | 102 | 71 |
| Gaston County, NC | Home improvement loans | 61% | 98 | 60 |
| Pitt County, NC | Home improvement loans | 56% | 108 | 60 |
| Guilford County, NC | Home improvement loans | 67% | 86 | 58 |
| Cabarrus County, NC | Home improvement loans | 71% | 78 | 55 |
| Rowan County, NC | Home improvement loans | 71% | 78 | 55 |
| Guilford County, NC | Mortgage lenders | 82% | 65 | 53 |
| Davidson County, NC | Mortgage lenders | 90% | 58 | 52 |
| Davidson County, NC | Home improvement loans | 70% | 70 | 49 |
The county markets where Civic Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Civic Federal Credit Union
What is Civic Federal Credit Union's mortgage approval rate?
Civic Federal Credit Union approved 67.1% of the 4,501 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.6 points below the 72.8% national rate for the same mix of loan types.
How often do borrowers take the loan Civic Federal Credit Union offers?
Borrowers accepted 99% of the loans Civic Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Civic Federal Credit Union make?
The typical home improvement loan loan Civic Federal Credit Union made was $55K; across all loan types its typical loan ran from $25K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Civic Federal Credit Union lend?
Civic Federal Credit Union decided applications in 6 of the states Fat Boy Data covers, most of them in North Carolina, South Carolina and Georgia.
Can I apply to Civic Federal Credit Union directly?
Yes. Civic Federal Credit Union is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Civic Federal Credit Union'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 Civic Federal Credit Union treats applications, then get a rate quote from the lender.