Applications / Mortgage Analytics / Lenders / Ohio / Civista Bank
Sandusky, OH · State member bank · FRS · $4.3 billion assets · 1,643 loans in 2025
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1,643
loans originated, 2025
2,157
applications, 2025
15
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Civista Bank is an Ohio bank that ranked first in Sandusky, where its share rose to 11.4%, and its originations grew faster than most similar lenders'.
It ranked 1 of 230 lenders in Sandusky, where it has lent since 1998, ahead of The Huntington National Bank and Rocket Mortgage; its share rose 1.0 points to 11.4%. In the larger Columbus and Cleveland markets it ranked 46 of 596 and 42 of 577.
Originations rose 17% to 1,643, against 7% at similar lenders (state member banks making between half and twice as many loans) and 10% for the whole market, higher than about four in five peers. That is below its 2,446 loans of 2021 but above the 959 of 2018.
Its lending sat near the middle of its peers: 97.1% conventional, a typical loan of $185,000 and a typical rate of 6.88%, the same as peers'. Its higher-priced share (a rate well above the average for similar loans) was 0.2%, lower than at more than four in five peers (1.2%), and its home-purchase denial rate, 4.1%, was lower than peers' 7.3%.
LMI (low- and moderate-income) borrowers took 28.9% of its loans, up from 24.9% five years before and a little above peers' 26.3%. Majority-minority areas took 3.1%, against 7.4%, lower than about three-quarters of similar lenders; the make-up of the Ohio markets it serves is one possible reason.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Civista Bank took 2,157 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.5% · Refinance 23.2% · Other 14.2% · Home improvement 12.2%
Conventional 97.1% · FHA 2.3% · VA 0.5% · USDA (RHS or FSA) 0.2% · of 1,643 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 1,250 | 76.1% |
| Indiana | 294 | 17.9% |
| Kentucky | 35 | 2.1% |
| Michigan | 29 | 1.8% |
| Florida | 13 | 0.8% |
| Pennsylvania | 7 | 0.4% |
| South Carolina | 4 | 0.2% |
| Arizona | 2 | 0.1% |
| North Carolina | 2 | 0.1% |
| Tennessee | 2 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 332 |
| Sandusky | 322 |
| Cleveland | 183 |
| Columbus | 178 |
| Toledo | 131 |
| Akron | 27 |
| Dayton-Kettering-Beavercreek | 22 |
| Mansfield | 22 |
| Indianapolis-Carmel-Greenwood | 16 |
| Monroe | 15 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300H8JJI69WD7I525 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 542528 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2542528 | 2004–2017 |
Established 1 March 1884. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Civista Bank's data.
Civista Bank's data
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