CIS Financial Services at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
14th23.3% deniedPricingmedian rate spread over APOR, weight 30%
2nd1.94 ptsProcesswithdrawn + incomplete share, weight 15%
0th51.1%Closing coststotal loan costs ÷ loan amount, weight 10%
5th4.96% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 4,294 | 909 | 40.5% | 65.6% | 7.75% | $120M |
| 2024 | 704 | 374 | 4.1% | 7.2% | 9.20% | $46M |
| 2025 | 272 | 101 | 11.4% | 23.3% | 8.15% | $16M |
What CIS Financial Services lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 202 manufactured homes, 2 investment properties.
Why CIS Financial Services denies applications
Primary reason reported for each of the 31 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at CIS Financial Services
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 77 | 18 | 41.9% |
| $50k – $100k | 126 | 52 | 22.1% |
| $100k – $150k | 44 | 21 | 4.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 36 | 16 | 23.8% |
| 25–34 | 62 | 26 | 25.7% |
| 35–44 | 44 | 21 | 19.2% |
| 45–54 | 48 | 12 | 29.4% |
| 55–64 | 49 | 16 | 22.7% |
| 65–74 | 26 | 8 | 11.1% |
Where CIS Financial Services lends
18 states and 68 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Alabama | 59 | 55 | 3.4% | 6.63% | #286 |
| Louisiana | 7 | 7 | 0.0% | 8.45% | #410 |
| Texas | 6 | 6 | 0.0% | 8.43% | #1,034 |
| Arkansas | 5 | 3 | 20.0% | 8.40% | #415 |
| North Carolina | 5 | 4 | 20.0% | 7.88% | #746 |
Frequently asked questions
CIS Financial Services denied 23.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 14th percentile of small mortgage lenders.
The most common reason CIS Financial Services gave in 2025 was "credit history", cited on 58.1% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans CIS Financial Services originated in 2025 was 8.15%, and its median rate spread over the average prime offer rate was 1.94 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 88% of its applications were for home purchases, 12% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 66% conventional, 27% FHA, 4% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.