PlainLender

Civista Bank

Sandusky, OH

Civista Bank processed 1,928 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 1,407 loans with a 13.1% denial rate. Home Purchase was the primary loan purpose. Based in Sandusky, OH. The approval rate of 73.0% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. Civista Bank processed 1,928 HMDA-reported mortgage applications in 2024, originating 1,407 loans and denying 253 for a denial rate of 13.1% (applicants themselves withdrew 150 files before a decision). The average loan amount was $272,889 at a 7.301% average note rate, and applicants self-reported an average income of $35,000. The lender reports under LEI 549300H8JJI69WD7I525 from Sandusky, OH.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Civista Bank's 73.0% origination rate tells you how often an application turned into funded money; the 13.1% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Credit history, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (1,847 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

1,928
Applications
1,407
Originated
13.1%
Denial Rate
$272,889
Avg Loan Amount
Avg Interest Rate: 7.301% Avg Applicant Income: $35,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 1,847 1,360 239 $273,349
FHA 65 37 11 $243,154
VA 12 8 2 $387,500
USDA 4 2 1 $200,000

Top loan types — Civista Bank

Top loan types — Civista Bank Horizontal bar chart of the top 4 items by value (applications). Top loan types — Civista Bank Top 4 1. Conventional 1,847 2. FHA 65 3. VA 12 4. USDA 4 Top 5 loan types by application volume at Civista Bank (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for Civista Bank (LEI: 549300H8JJI69WD7I525) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
132
Credit history
69
Collateral
67
Other
37
Insufficient cash
15
Employment history
7
Unverifiable information
5
Credit application incomplete
4

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 1,105 867 $349,724
Other 320 206 $113,281
Home Improvement 229 171 $116,747
Cash-out Refinancing 185 113 $216,514
Refinancing 88 50 $413,295

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 1,331 74.2% 11.9%
Asian 59 61.0% 13.6%
Black or African American 40 52.5% 15.0%
Joint 33 60.6% 6.1%
American Indian or Alaska Native 5 60.0% 20.0%
Native Hawaiian or Other Pacific Islander 2 50.0% 50.0%
2 or more minority races 1 0.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 1,415 72.9% 12.2%
Hispanic or Latino 23 60.9% 21.7%
Joint 13 76.9% 7.7%

Nearby Lenders in OH

Other HMDA-reporting lenders in OH with similar activity. Compare any two side-by-side.

US BANK, N.A.

CINCINNATI, OH

202,480 apps 74,512 originated 26.8% denied

CROSSCOUNTRY MORTGAGE, LLC

Cleveland, OH

157,258 apps 101,894 originated 2.4% denied

JPMorgan Chase Bank, NA

Columbus, OH

150,113 apps 80,744 originated 8.1% denied

Huntington National Bank

Columbus, OH

99,675 apps 52,025 originated 28.8% denied

Fifth Third Bank, National Association

Cincinnati, OH

64,220 apps 30,494 originated 23.9% denied
Compare Civista Bank vs US BANK, N.A. →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did Civista Bank process?
Civista Bank processed 1,928 mortgage applications in the 2023 HMDA reporting year. Of these, 1,407 were originated (approved and funded), 150 were withdrawn by the applicant, and 253 were denied.
What is Civista Bank's mortgage approval rate?
Civista Bank has an approval (origination) rate of 73.0%, meaning 73.0% of all applications resulted in a funded mortgage. The denial rate is 13.1%.
What is the average loan amount at Civista Bank?
The average mortgage loan amount at Civista Bank is $272,889. The average interest rate is 7.301%. The average applicant income is $35,000.
What are the most common reasons for mortgage denial at Civista Bank?
The most common reasons for mortgage denial at Civista Bank are: Debt-to-income ratio, Credit history, Collateral. In total, 253 applications were denied out of 1,928 total applications.
What types of mortgage loans does Civista Bank offer?
Civista Bank processes Conventional, FHA, VA, USDA loans. The most common type is Conventional with 1,847 applications and an average loan amount of $273,349.
What loan purposes does Civista Bank serve?
Civista Bank serves the following loan purposes: Home Purchase (1,105 applications), Other (320 applications), Home Improvement (229 applications), Cash-out Refinancing (185 applications), Refinancing (88 applications). Home Purchase is the most common purpose.
Where is Civista Bank located?
Civista Bank is headquartered in Sandusky, OH. The lender is identified by LEI 549300H8JJI69WD7I525 in HMDA data.
How does Civista Bank compare in lending across racial demographics?
Civista Bank reports demographic lending data under HMDA requirements. White applicants have an approval rate of 74.2% and denial rate of 11.9%; Asian applicants have an approval rate of 61.0% and denial rate of 13.6%; Black or African American applicants have an approval rate of 52.5% and denial rate of 15.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.