Civista Bank mortgage approval rate & lending review
Civista Bank decided 2,002 mortgage applications and funded 1,719 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Civista Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Civista Bank at a glance
Approval is 8.0 points above the 82.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 1,165 / 1,223 | 96% | $325K | 1,120 |
| Home improvement loans | 76% | 164 / 216 | 93% | $115K | 153 |
| Cash-out refinance | 80% | 104 / 130 | 88% | $205K | 91 |
| Refinance | 81% | 109 / 134 | 97% | $265K | 106 |
| Investment property purchase | 90% | 154 / 171 | 97% | $135K | 149 |
| Investment cash-out refinance | 80% | 69 / 86 | 93% | $85K | 64 |
| Investment refinance | 92% | 34 / 37 | 97% | $145K | 33 |
Civista Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 90% | $325K | 1,749 | 1,494 |
| Kentucky | 92% | $275K | 76 | 67 |
| Michigan | 94% | $415K | 70 | 64 |
| Indiana | 91% | $225K | 32 | 29 |
| Florida | 92% | $495K | 25 | 22 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Civista Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Franklin County, OH | Mortgage lenders | 98% | 188 | 177 |
| Lucas County, OH | Mortgage lenders | 99% | 126 | 120 |
| Hamilton County, OH | Mortgage lenders | 96% | 125 | 114 |
| Delaware County, OH | Mortgage lenders | 99% | 93 | 89 |
| Cuyahoga County, OH | Mortgage lenders | 90% | 94 | 82 |
| Wood County, OH | Mortgage lenders | 96% | 82 | 77 |
| Lorain County, OH | Mortgage lenders | 88% | 49 | 42 |
| Cuyahoga County, OH | Investment property purchase | 89% | 47 | 41 |
| Summit County, OH | Mortgage lenders | 87% | 47 | 40 |
| Warren County, OH | Mortgage lenders | 100% | 37 | 35 |
| Monroe County, MI | Mortgage lenders | 97% | 29 | 27 |
| Cuyahoga County, OH | Investment cash-out refinance | 81% | 37 | 27 |
The county markets where Civista Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Civista Bank
What is Civista Bank's mortgage approval rate?
Civista Bank approved 90.0% of the 2,002 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.0 points above the 82.0% national rate for the same mix of loan types.
How often do borrowers take the loan Civista Bank offers?
Borrowers accepted 95% of the loans Civista Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Civista Bank make?
The typical home purchase mortgage loan Civista Bank made was $325K; across all loan types its typical loan ran from $85K to $325K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Civista Bank lend?
Civista Bank decided applications in 21 of the states Fat Boy Data covers, most of them in Ohio, Kentucky and Michigan.
Can I apply to Civista Bank directly?
Yes. Civista Bank is a bank or credit union with 42 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Civista Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Civista Bank treats applications, then get a rate quote from the lender.