Name of the lender

Civista BankMortgage rates, total loan costs and denial rate, 2025

HMDA year2025

Years filed2018 to 2025

Head office: Sandusky, OH
Reporting agency: Federal Reserve System (FRS)
Legal Entity Identifier (LEI)

Figures by state (CSV)

Civista Bank reported 2,157 mortgage applications in the HMDA data of 2025.

It originated 1,643 loans in 2025, for $443 million in total.

The median interest rate of its loans in 2025 was 6.500%, and the national median was 6.375%.

The median total loan costs of its loans in 2025 were $3,988, and the national median was $6,413.

It denied 12.5% of the applications that it decided in 2025, and the national denial rate was 22.6%.

Filed figures of Civista Bank, 2025
Figure	This lender	United States
Applications	2,157Under 0.1% of the US total	11,766,671
Loans originated	1,643$443 million	6,827,891
Median interest rate	6.500%	6.375%
Median total loan costs	$3,988	$6,413
Denial rate	12.5%	22.6%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

Since the last update

No change on record

No tracked figure of this lender has changed since this site started its record. The record compares each update of the HMDA data with the update before it. The record of updates.

PricingMedians of 2025 loans

Interest rate and total loan costs of Civista Bank by loan type, 2025Medians. Each value has the national median of the same loan type under it.
Loan type	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
All loans	949	6.500%US 6.375%	$3,988US $6,413	0.235US 0.161
Conventional	901	6.500%US 6.500%	$3,939US $5,393	0.256US 0.175
FHA-insured	37	6.125%US 6.250%	$7,105US $11,084	0.153US 0.432

Interest rate and total loan costs of Civista Bank by loan purpose, 2025Medians, with the national median under each value.
Loan purpose	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
Home purchase	758	6.500%US 6.500%	$4,226US $6,632	0.275US 0.169
Refinancing	81	6.125%US 5.999%	$3,457US $4,883	0.002US −0.069
Cash-out refinancing	98	6.625%US 6.500%	$3,451US $8,095	0.223US 0.376

Parts of the total loan costs of Civista Bank by loan type, 2025Medians, with the national median under each value.
Loan type	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits
All loans	$950US $2,062	$473US $2,823	$318US $567
Conventional	$950US $1,981	$480US $2,588	$275US $604
FHA-insured	$950US $2,831	n/aUS $3,270	$800US $567

The median rate spread of these loans was 0.235 percentage points above the average prime offer rate (APOR). On a loan of $300,000, that is about $705 more a year, or $59 more a month. The national median spread was 0.161 points.

The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different. What a rate spread is.

Median interest rate by year: Civista Bank and the United States

Civista BankUnited States

Action takenHMDA codes and labels

Records of Civista Bank by the action taken, 2025
Action taken	Records	Share of records	US share
1Loan originated	1,643	75.8%	50.4%
2Application approved but not accepted	96	4.4%	3.1%
3Application denied	249	11.5%	15.6%
4Application withdrawn by applicant	142	6.5%	12.6%
5File closed for incompleteness	27	1.2%	5.1%
6Purchased loan	0	0.0%	11.7%
7Preapproval request denied	8	0.4%	0.4%
8Preapproval request approved but not accepted	3	0.1%	1.1%

The denial rate is code 3 divided by codes 1, 2 and 3: the applications that the lender decided. Codes 4 and 5 are applications with no decision. Code 6 is a loan that the lender bought.

Denial reasonsFirst reason coded

Denials of Civista Bank by the first reason that it coded, 2025
Denial reason	Denials	Share	US share
1Debt-to-income ratio	102	41.0%	32.7%
2Employment history	1	0.4%	0.9%
3Credit history	69	27.7%	25.6%
4Collateral	49	19.7%	13.8%
5Insufficient cash (downpayment, closing costs)	2	0.8%	2.3%
6Unverifiable information	3	1.2%	4.2%
7Credit application incomplete	0	0.0%	12.0%
8Mortgage insurance denied	0	0.0%	0.0%
9Other	23	9.2%	8.5%

A lender can code up to four reasons for a denial. This table counts the first reason only.

Loan types and purposesLoans of 2025

Applications of Civista Bank by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	2,080	1,595	12.4%US 23.4%
FHA-insured	62	37	20.4%US 21.8%
VA-guaranteed	12	8	n/aUS 16.2%
USDA Rural Housing Service or Farm Service Agency guaranteed	3	3	n/aUS 12.9%

Applications of Civista Bank by loan purpose
Loan purpose	Applications	Loans originated	Share of loans
Home purchase	1,000	829	50.5%
Home improvement	290	200	12.2%
Refinancing	348	268	16.3%
Cash-out refinancing	180	113	6.9%
Other purpose	339	233	14.2%

The denial rate of a loan type is the denied applications divided by the decided applications of that type. It is "n/a" under 25 decided applications.

States where it lends4 states with 25 applications or more

Civista Bank by state, 2025In order of the names. A state with 100 applications or more links to the lender's page for the state.
State	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate
Indiana	391	294	6.625%	$2,859	15.1%
Kentucky	48	35	6.250%	$3,796	9.8%
Michigan	31	29	6.438%	$5,041	3.3%
Ohio	1,642	1,250	6.500%	$4,069	12.3%

Counties of Civista Bank with 50 applications or more, 2025In order of the names. The list has the 13 counties with the most loans of the lender.
County	Applications	Loans originated	Amount	Denial rate
Cuyahoga County, OH	103	81	$24.9 million	9.5%
Dearborn County, IN	253	191	$30.8 million	15.4%
Delaware County, OH	51	41	$26.6 million	10.6%
Erie County, OH	355	279	$52.0 million	10.7%
Franklin County, OH	106	84	$28.6 million	10.0%
Hamilton County, OH	98	79	$17.4 million	7.7%
Henry County, OH	84	57	$6.7 million	20.7%
Huron County, OH	106	73	$11.3 million	21.6%
Lorain County, OH	62	49	$13.8 million	10.5%
Lucas County, OH	86	74	$26.6 million	1.3%
Ottawa County, OH	50	43	$12.8 million	4.3%
Ripley County, IN	74	52	$7.8 million	19.1%
Wood County, OH	69	52	$15.1 million	10.3%

Figures by yearHMDA 2022 to 2025

Civista Bank by HMDA year"n/a" shows a year with fewer than 25 applications, or a year that this site does not process.
Year	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate	Records filed
2025	2,157	1,643	6.500%	$3,988	12.5%	2,168
2024	1,922	1,407	6.625%	$3,802	14.5%	1,936
2023	1,849	1,364	6.375%	$3,542	12.9%	1,854
2022	2,623	2,036	4.842%	$3,120	9.7%	2,642
2021	n/a	n/a	n/a	n/a	n/a	3,183
2020	n/a	n/a	n/a	n/a	n/a	2,458
2019	n/a	n/a	n/a	n/a	n/a	1,407
2018	n/a	n/a	n/a	n/a	n/a	1,293

Records filed is the count on the lender's HMDA transmittal sheet. It includes purchased loans and requests for preapproval.

Denial rate by year: Civista Bank and the United States

Civista BankUnited States

VA lender statisticsLoans that VA guaranteed, by month

VA-guaranteed loans of CIVISTA BANK, Sep 2025 to Aug 2026National figures from the Department of Veterans Affairs. VA counts a loan in the month of the guarantee.
Month	All	Purchase	Cash-out refinance	IRRRL
August 2026	3	3	0	0
July 2026	1	1	0	0
June 2026	3	3	0	0
May 2026	1	0	0	1
April 2026	2	1	1	0
March 2026	0	0	0	0
February 2026	1	1	0	0
January 2026	0	0	0	0
December 2025	0	0	0	0
November 2025	2	1	1	0
October 2025	2	1	1	0
September 2025	1	1	0	0

IRRRL is the VA Interest Rate Reduction Refinance Loan. The VA name of the lender is "CIVISTA BANK". Every month.

Peer lenders12 lenders

These lenders originated a count of loans close to the count of this lender, in the same states. The site compares the applications of each lender by state. The list is not a ranking.

Bayshore Mortgage FundingTimonium, MD
Farmers National BankNiles, OH
First Equity Mortgage IncFt Mitchell, KY
First Federal S&L of LakewoodLakewood, OH
Go Mortgage, LLCColumbus, OH
Guardian Savings BankWest Chester, OH
Kemba Financial Credit UnionGahanna, OH
Peoples BankMarietta, OH
Polaris Home Funding Corp.Grandville, MI
Seven Seventeen Credit UnionWarren, OH
Superior Credit Union, Inc.Lima, OH
The State Bank & Trust CompanyDefiance, OH

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.
BankFind Suite (Federal Deposit Insurance Corporation)The FDIC search for an insured bank: its status, its offices and its regulator.

Cite this page

Page: Lender Register, "Civista Bank mortgage rates, costs and denial rate, 2025", https://lenderregister.com/lender/549300h8jji69wd7i525-civista-bank/
Lender: Civista Bank, LEI 549300H8JJI69WD7I525
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025, snapshot dataset
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. The count of records filed comes from the transmittal sheets of 2018 to 2025. The FFIEC and the CFPB publish them at ffiec.cfpb.gov. The name, the head office and the agency are from the newest transmittal sheet of the LEI. The VA figures are from the VA lender statistics.

This site withholds a figure with fewer than 25 applications and a median with fewer than 20 loans. Method of the figures. Terms. Report an error.

Questions

How many loans did Civista Bank buy from other lenders in 2025?: It reported no purchased loans. HMDA counts a purchased loan apart from the applications, so the denial rate does not include it.
Which denial reasons did Civista Bank code most often in 2025?: The first reasons that it coded most often were debt-to-income ratio (102), credit history (69) and collateral (49).
In which states did Civista Bank originate the most loans in 2025?: The three states with the most loans were Ohio (1,250), Indiana (294) and Kentucky (35). It had 25 applications or more in 4 states.
Which loan types did Civista Bank originate in 2025?: 1,595 conventional, 37 FHA, 8 VA and 3 USDA.