Building tools for a more inclusive financial system
Civara was founded on a simple belief: lenders shouldn’t have to choose between innovation and compliance. As underwriting models grow more complex and regulators tighten expectations around explainability, banks, credit unions, and underwriting engines are left vulnerable to lawsuits, regulatory action, and public scrutiny.
We created Civara to fix that.
Our platform sits on top of existing decision systems, translating approvals and declines into plain-language explanations that satisfy federal (ECOA, CFPB) and state-level compliance requirements in all 50 states. Civara also generates improvement paths for borrowers, delivering respectful and actionable guidance that turns declines into second chances.
Our mission is to help financial institutions build transparent, auditable, and equitable lending pipelines, without replacing the models they already trust. With Civara, lenders get peace of mind, borrowers get clarity, and compliance stops being a burden and starts being a strength.
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