# Civista Bank

> **Canonical URL:** https://saferate.com/lenders/civista-bank

> **📋 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 😀
- Score: 76/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- 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

## Safe Rate Awards 🏆

- ⭐ **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 😀 |
| FHA | 55/100 | 35 | +0.248% | $172 | Sound ☺️ |
| Jumbo | 77/100 | 63 | -0.001% | $734 | Strong 😀 |

### 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 😀 |
| Refinance | 69/100 | 96 | $19M | +0.255% | Strong 😀 |

## 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 |

## 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.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**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

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