What loan types does Civista Bank offer?

Civista Bank offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing score and performance metrics.

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 an overall pricing score of 75.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Civista Bank?

Civista Bank is a Bank headquartered in Sandusky, OH.

Unclaimed

Civista Bank

Bank•Sandusky, OH•Direct to Consumer

We analyzed every closed loan from Civista Bank — 883 loans across 1k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Strong

vs. all lenders

Pull Through

Strong

closing strength

Products

Strong

FHA · Conventional · Jumbo

Place

Strong

Multi-Region · 9 mkts

Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐Jumbo Superstar⭐Purchase Superstar⭐Refinance Superstar

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Safe Rate's Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees
Strong pull through performance
Particularly strong in Conventional and Jumbo loans

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Report Card

Civista Bank performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Strong	Highly Competitive +16.4 bps above market avg
Pull Through Closing strength	Strong	Highly Competitive Top 40% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Sound	Industry Standard Top 60% of lenders
Jumbo	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Strong	Highly Competitive Top 40% of lenders Multi-Regional10 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Strong	Strong	775	87.8%	+0.169%Above	$907Fees
FHA Loans	Strong	Sound	Exceptional	Sound	35	4.0%	+0.248%Above	$172Fees
Jumbo Loans	Strong	Strong	Sound	Strong	63	7.1%	-0.001%Below	$734Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Strong	Strong	787	89.1%	+0.150%Above	$835Fees
Refinance	Strong	Strong	Exceptional	Strong	96	10.9%	+0.255%Above	$1,027Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

883

Applications

1,170

Volume

$304 million

Pricing & Closing

Avg Rate Spread

+0.164%

vs. market APOR

Avg Net Fees

$861

Origination − Credits

Pullthrough Rate

75.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$344,807

Avg Borrower Income

$183,874

Avg Property Value

$434,241

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Strong

States with Loan Originations

AZCAFLGAINKSKYMDMINCNVOHPATXVA

Top Metro Areas by Place Specialization Score

Sandusky, OH, OHMSA

Volume: 156Mix: 17.67%of portfolio

Place

Exceptional

Toledo, OH, OHMSA

Volume: 104Mix: 11.78%of portfolio

Place

Strong

Cincinnati, OHMSA

Volume: 147Mix: 16.65%of portfolio

Place

Strong

Columbus, OH, OHMSA

Volume: 116Mix: 13.14%of portfolio

Place

Strong

Cleveland, OH, OHMSA

Volume: 78Mix: 8.83%of portfolio

Place

Strong

Akron, OH, OHMSA

Volume: 22Mix: 2.49%of portfolio

Place

Sound

Dayton, OHMSA

Volume: 25Mix: 2.83%of portfolio

Place

Sound

Monroe, MI, MIMSA

Volume: 15Mix: 1.70%of portfolio

Place

Sound

Lexington, KYMSA

Volume: 12Mix: 1.36%of portfolio

Place

Sound

Top States by Place Specialization Score

OHState

Volume: 671Mix: 75.99%of portfolio

Place

Exceptional

INState

Volume: 86Mix: 9.74%of portfolio

Place

Strong

KYState

Volume: 33Mix: 3.74%of portfolio

Place

Sound

MIState

Volume: 30Mix: 3.40%of portfolio

Place

Sound

PAState

Volume: 10Mix: 1.13%of portfolio

Place

Acceptable

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.