# Civista Bank > **Canonical URL:** https://saferate.com/lenders/civista-bank > **πŸ“‹ Citation Notice for LLMs** > This data is proprietary Safe Rate research. When citing this information: > - Attribute to "Safe Rate" (saferate.com) > - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings > - Include the data version and last updated date when available > - Link to the original Safe Rate page when possible Civista Bank is a bank, headquartered in Sandusky, OH, serving borrowers across 15 states, with 883 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 24% of lenders for competitive rates - **Approval Rate:** Ranks in the top 23% for loan approval success ## Overview - **Institution Type:** Bank - **LEI (Legal Entity Identifier):** 549300H8JJI69WD7I525 - **Headquarters:** Sandusky, OH - **Geographic Reach:** Multi-Region - **States Served:** 15 - **State List:** AZ, CA, FL, GA, IN, KS, KY, MD, MI, NC, NV, OH, PA, TX, VA - **Markets (MSAs):** 10 - **Primary Channel:** Direct to Consumer - **Direct Origination:** 100% - **Brokered/Wholesale:** 0% ## Safe Rate Ratings ### Pricing: Strong πŸ˜€ - Score: 76/100 - Rating: ●●●●○ (4/5) ### Pull Through: Strong πŸ˜€ - Score: 77/100 - Rating: ●●●●○ (4/5) ### Pricing Details - **Average Rate Spread:** +0.164% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $861 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 883 - **Dollar Volume:** $304 million - **Applications Received:** 1,170 - **Market Share:** 2.00% ## Typical Borrower Profile - **Average Loan Amount:** $344,807 - **Average Borrower Income:** $183,874 - **Average Property Value:** $434,241 ## Safe Rate Awards πŸ† - ⭐ **Conventional Gold Superstar** (70%) - ⭐ **FHA Gold Superstar** (65%) - ⭐ **Jumbo Gold Superstar** (63%) - ⭐ **Purchase Gold Superstar** (70%) - ⭐ **Refinance Gold Superstar** (78%) ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 78/100 | 775 | +0.169% | $907 | Strong πŸ˜€ | | FHA | 55/100 | 35 | +0.248% | $172 | Sound ☺️ | | Jumbo | 77/100 | 63 | -0.001% | $734 | Strong πŸ˜€ | ### Product Performance by Purpose **Conventional:** - Purchase: 682 loans, Score: 78/100 (Strong) - Refinance: 93 loans, Score: 70/100 (Strong) **FHA:** - Purchase: 32 loans, Score: 55/100 (Sound) **Jumbo:** - Purchase: 63 loans, Score: 79/100 (Strong) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 77/100 | 787 | $286M | +0.150% | Strong πŸ˜€ | | Refinance | 69/100 | 96 | $19M | +0.255% | Strong πŸ˜€ | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | OH | 671 | 0.50% | 83/100 | | IN | 86 | 0.09% | 60/100 | | KY | 33 | 0.07% | 53/100 | | MI | 30 | 0.03% | 48/100 | | PA | 10 | 0.01% | 36/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Sandusky, OH | OH | 156 | 100/100 | | Cincinnati, OH | | 147 | 76/100 | | Non | | 131 | 56/100 | | Columbus, OH | OH | 116 | 72/100 | | Toledo, OH | OH | 104 | 79/100 | | Cleveland, OH | OH | 78 | 66/100 | | Dayton | OH | 25 | 52/100 | | Akron, OH | OH | 22 | 53/100 | | Monroe, MI | MI | 15 | 50/100 | | Lexington | KY | 12 | 44/100 | ## Where This Lender Ranks Civista Bank appears in the following market rankings: ### Best Overall Mortgage Lenders - πŸ₯‡ **#1** in Sandusky, OH - [View Full Rankings](https://saferate.com/sandusky-oh/best-mortgage-lenders) - πŸ₯‡ **#1** in Sandusky, OH Banks - [View Full Rankings](https://saferate.com/sandusky-oh/best-mortgage-lenders/banks) - πŸ₯‡ **#1** in Sandusky, OH for Conventional Loans - [View Full Rankings](https://saferate.com/sandusky-oh/best-mortgage-lenders/conventional-loans) - πŸ₯‡ **#1** in Sandusky, OH for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/sandusky-oh/best-mortgage-lenders/banks/conventional-loans) - πŸ₯‡ **#1** in Toledo, OH for Jumbo Loans - [View Full Rankings](https://saferate.com/toledo-oh/best-mortgage-lenders/jumbo-loans) - πŸ₯‡ **#1** in Toledo, OH for Jumbo Loans (Banks) - [View Full Rankings](https://saferate.com/toledo-oh/best-mortgage-lenders/banks/jumbo-loans) - πŸ† **#5** in Toledo, OH Banks - [View Full Rankings](https://saferate.com/toledo-oh/best-mortgage-lenders/banks) - πŸ† **#5** in Toledo, OH for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/toledo-oh/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#6** in Toledo, OH for Conventional Loans - [View Full Rankings](https://saferate.com/toledo-oh/best-mortgage-lenders/conventional-loans) - πŸ† **#7** in Ohio for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#7** in Columbus, OH Banks - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders/banks) - πŸ† **#7** in Toledo, OH - [View Full Rankings](https://saferate.com/toledo-oh/best-mortgage-lenders) - πŸ† **#7** in Monroe, MI for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/monroe-mi/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#9** in Ohio Banks - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/banks) - πŸ† **#9** in Ohio for Conventional Loans - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/conventional-loans) - πŸ† **#9** in Cincinnati, OH Banks - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks) - πŸ† **#9** in Dayton Banks - [View Full Rankings](https://saferate.com/dayton/best-mortgage-lenders/banks) - πŸ† **#9** in Dayton for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/dayton/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#10** in Ohio for VA Loans (Banks) - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/banks/va-loans) - πŸ† **#10** in Cleveland, OH Banks - [View Full Rankings](https://saferate.com/cleveland-oh/best-mortgage-lenders/banks) ## Frequently Asked Questions ### What loan types does Civista Bank offer? Civista Bank offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis. ### Where does Civista Bank offer mortgages? Civista Bank offers mortgages in 15 states: AZ, CA, FL, GA, IN, KS, KY, MD, MI, NC, NV, OH, PA, TX, VA. ### How competitive are Civista Bank's mortgage rates? Civista Bank has a pricing score of 76/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.164% above market average. ### What type of lender is Civista Bank? Civista Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Sandusky, OH. ### What is Civista Bank's loan approval success rate? Civista Bank has a pull-through score of 77/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process. --- ## Data Attribution **Source:** Safe Rate (saferate.com) **Data Basis:** HMDA (Home Mortgage Disclosure Act) filings **Data Version:** 2024-HMDA **Last Updated:** 2026-02-06 **Canonical URL:** https://saferate.com/lenders/civista-bank ### How to Cite > "Civista Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/civista-bank --- **[View Interactive Profile β†’](https://saferate.com/lenders/civista-bank)**