Overview
Civic Financial Services (based in Redondo Beach, CA, hard money) and Iron Bridge Lending (based in Lake Oswego, OR, hard money) are both non-QM lenders serving real estate investors. Civic Financial Services serves National; Iron Bridge Lending serves Western & Midwest.
Civic Financial Services's figures were checked against its published materials as of 2026-09-17; the other lender's figures below are not independently dated and should be confirmed directly. Rates and terms change and are not a quote for either lender.
Civic Financial Services vs Iron Bridge Lending: attribute by attribute
| Attribute | Civic Financial Services | Iron Bridge Lending |
|---|---|---|
| Interest rate range | 9.5%–12% | 9.5%–12% |
| Origination points | 1–3 points | 1.5–3 points |
| Minimum credit score | 660 | Not publicly published |
| Minimum DSCR | 1.05 | Not publicly published |
| Max LTV | 80% | 75% |
| Max LTC | 90% | 85% |
| Minimum loan size | $75K | $75K |
| Maximum loan size | $2.0M | $3.0M |
| Entity vesting | LLC required | Not publicly published |
| Typical close time | 10-21 days typical | 7-14 days typical |
| Founded | 2014 | 2009 |
| Headquarters | Redondo Beach, CA | Lake Oswego, OR |
Which one fits which borrower
- Civic Financial Services publishes a minimum DSCR of 1.05; Iron Bridge Lending does not publish a minimum DSCR figure, so its coverage floor cannot be compared directly.
- Civic Financial Services publishes a minimum credit score of 660; Iron Bridge Lending does not publish one.
- Civic Financial Services's max LTV is 80% against Iron Bridge Lending's 75% — on the same purchase price, Civic Financial Services's published leverage lets a borrower put down less cash.
- Civic Financial Services's max LTC is 90% against Iron Bridge Lending's 85% — for a rehab-heavy deal, Civic Financial Services's published figure covers a larger share of total project cost.
- Iron Bridge Lending's maximum loan size is $3.0M, above Civic Financial Services's $2.0M ceiling — a larger transaction may need to go to Iron Bridge Lending.
- Civic Financial Services requires LLC vesting; Iron Bridge Lending does not publish a position on LLC vesting. That is a real structural difference for a borrower deciding how to hold title.
- Iron Bridge Lending was founded in 2009, 5 years before Civic Financial Services (founded 2014) — longer time in the market, not a claim about which underwrites better today.
Full profiles
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- Iron Bridge Lending full profile and review
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Civic Financial Services vs Iron Bridge Lending FAQ
Civic Financial Services's published rate range is 9.5%–12%. Iron Bridge Lending's published rate range is 9.5%–12%. Both ranges depend on credit, leverage, DSCR coverage and borrower experience, so where a specific deal prices inside either range varies.
Civic Financial Services publishes a minimum credit score of 660. Iron Bridge Lending does not publish a minimum credit score.
Civic Financial Services's minimum DSCR is 1.05. Iron Bridge Lending does not publish a minimum DSCR.
Civic Financial Services's loan size runs $75K to $2.0M. Iron Bridge Lending's loan size runs $75K to $3.0M.
Civic Financial Services's typical close time is 10-21 days typical. Iron Bridge Lending's typical close time is 7-14 days typical. Actual timelines depend on documentation, title work and underwriting load regardless of lender.
Civic Financial Services requires LLC vesting. Iron Bridge Lending does not publish a position on LLC vesting.
This comparison is an independent directory listing. DSCR Loan Program is not affiliated with Civic Financial Services or Iron Bridge Lending, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by each lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.