Lender in Ohio · HMDA 2025
Civista Bank mortgages in Ohio
Civista Bank's 2025 home-purchase and refinance lending in Ohio, compared with all lenders in the state.
Civista Bank originated 651 owner-occupied single-family loans in Ohio from 726 completed applications.
Its median conventional purchase loan costs were $4,230 versus $4,610 for all Ohio lenders, at a median 30-year fixed rate of 6.50% (Ohio: 6.625%).
Loans in OH
651
of 726 applications
Denial rate
4.2%
Purchase · OH 7.1%
Rate spread
+0.26 pts
Conv. · OH +0.22 pts
Loan amount
$315,000
Purchase · OH $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 594 | 546 | 4.2% | 6.500% | +0.26 pts | $4,230 | $315,000 |
| Refinance | 61 | 53 | 8.2% | 6.375% | +0.00 pts | $3,550 | $305,000 |
| Cash-out refinance | 71 | 52 | 19.7% | 6.750% | +0.18 pts | $3,540 | $185,000 |
*Conventional loans only; medians with at least 20 loans.
Ohio counties where Civista Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Erie County | 1 | 102 | 11.8% |
| Huron County | 4 | 31 | 5.2% |
| Henry County | 5 | 17 | 5.3% |
| Ottawa County | 6 | 22 | 4.4% |
| Wood County | 12 | 34 | 2.1% |
| Ashland County | 16 | 9 | 1.4% |
| Wyandot County | 17 | 2 | 0.9% |
| Lucas County | 21 | 57 | 1.2% |
| Sandusky County | 21 | 7 | 1.0% |
| Hocking County | 22 | 3 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology