Lender profile · HMDA 2023–2025
Civic Federal Credit Union mortgage approval rates & lending data
Civic Federal Credit Union decided 4,501 mortgage applications and funded 2,980 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
| Georgia | 50% | $145K | 8 | 3 |
| Virginia | 50% | $95K | 8 | 4 |
| Florida | 0% | — | 3 | 0 |
| Tennessee | 33% | $175K | 3 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.