Civic Financial Services, LLC mortgage approval rate & lending review
Civic Financial Services, LLC decided 1,366 mortgage applications and funded 1,084 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Civic Financial Services, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to civicfs.com.
Civic Financial Services, LLC at a glance
Approval is 0.4 points above the 83.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Investment property purchase | 85% | 786 / 928 | 95% | $165K | 749 |
| Investment cash-out refinance | 76% | 163 / 214 | 96% | $275K | 156 |
| Investment refinance | 88% | 177 / 202 | 92% | $215K | 162 |
Civic Financial Services, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 83% | $215K | 192 | 148 |
| Maryland | 85% | $135K | 174 | 144 |
| Texas | 81% | $245K | 154 | 121 |
| Pennsylvania | 90% | $155K | 141 | 127 |
| North Carolina | 87% | $205K | 92 | 75 |
| California | 72% | $475K | 81 | 45 |
| Georgia | 80% | $215K | 79 | 61 |
| Ohio | 87% | $125K | 70 | 57 |
| Michigan | 90% | $105K | 52 | 47 |
| Tennessee | 90% | $125K | 51 | 43 |
| Illinois | 79% | $145K | 47 | 35 |
| Arizona | 86% | $685K | 35 | 28 |
| Indiana | 83% | $105K | 30 | 25 |
| Washington | 81% | $815K | 27 | 20 |
| South Carolina | 83% | $645K | 24 | 18 |
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 Financial Services, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Baltimore County, MD | Investment property purchase | 86% | 42 | 35 |
| Baltimore city, MD | Investment property purchase | 86% | 42 | 35 |
| Shelby County, TN | Investment property purchase | 93% | 30 | 27 |
| Harford County, MD | Investment property purchase | 92% | 25 | 23 |
| York County, PA | Investment property purchase | 91% | 22 | 20 |
The county markets where Civic Financial Services, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Civic Financial Services, LLC
What is Civic Financial Services, LLC's mortgage approval rate?
Civic Financial Services, LLC approved 83.7% of the 1,366 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.4 points above the 83.2% national rate for the same mix of loan types.
How often do borrowers take the loan Civic Financial Services, LLC offers?
Borrowers accepted 95% of the loans Civic Financial Services, LLC approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Civic Financial Services, LLC make?
The typical investment property mortgage loan Civic Financial Services, LLC made was $165K; across all loan types its typical loan ran from $165K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Civic Financial Services, LLC lend?
Civic Financial Services, LLC decided applications in 30 of the states Fat Boy Data covers, most of them in Florida, Maryland and Texas.
Can I apply to Civic Financial Services, LLC directly?
Yes. Civic Financial Services, LLC reports as a direct lender that takes applications from borrowers. Its website is civicfs.com.
Does this page show Civic Financial Services, LLC'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 Financial Services, LLC treats applications, then get a rate quote from the lender.