Sibcy Cline Mortgage Services at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C 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%
61st7.4% deniedPricingmedian rate spread over APOR, weight 30%
47th0.29 ptsProcesswithdrawn + incomplete share, weight 15%
5th30.4%Closing coststotal loan costs ÷ loan amount, weight 10%
70th1.39% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 271 | 192 | 8.5% | 10.3% | 6.56% | $50M |
| 2024 | 243 | 176 | 2.5% | 3.3% | 6.75% | $50M |
| 2025 | 408 | 263 | 5.2% | 7.4% | 6.63% | $84M |
What Sibcy Cline Mortgage 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, 0 manufactured homes, 7 investment properties.
Why Sibcy Cline Mortgage Services denies applications
Primary reason reported for each of the 21 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Sibcy Cline Mortgage Services
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 30 | 15 | 28.6% |
| $50k – $100k | 156 | 93 | 7.9% |
| $100k – $150k | 95 | 66 | 5.7% |
| $150k – $250k | 93 | 66 | 2.9% |
| Over $250k | 33 | 23 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 29 | 18 | 18.2% |
| 25–34 | 127 | 85 | 5.6% |
| 35–44 | 93 | 65 | 5.8% |
| 45–54 | 66 | 46 | 4.2% |
| 55–64 | 47 | 24 | 4.0% |
| 65–74 | 34 | 16 | 23.8% |
Where Sibcy Cline Mortgage Services lends
3 states and 23 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Sibcy Cline Mortgage Services denied 7.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 61st percentile of small mortgage lenders.
The most common reason Sibcy Cline Mortgage Services gave in 2025 was "debt-to-income ratio", cited on 28.6% 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 Sibcy Cline Mortgage Services originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.29 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 94% of its applications were for home purchases, 6% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 78% conventional, 16% FHA, 6% 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.