Civista Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Civista Bank 2020 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Civista Bank 100 East Water St Sandusky, OH 44870 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 2,458 |
| Total Mortgage Loan Application Amount | $635,460,000 |
| Average Mortgage Loan Application Amount | $202,333 |
| Highest Mortgage Loan Application Amount | $91,005,000 |
| Average Applicant Income | $116,000 |
| Highest Applicant Income | $4,477,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with Civista Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Civista Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down Civista Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Civista Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Civista Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Civista Bank's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Erie County Ohio | 485 | $ 83,795,000 | $ 172,000 | $ 125,000 |
| Dearborn County Indiana | 310 | $ 58,220,000 | $ 187,000 | $ 94,000 |
| Franklin County Ohio | 247 | $ 74,245,000 | $ 300,000 | $ 150,000 |
| Cuyahoga County Ohio | 163 | $ 37,595,000 | $ 230,000 | $ 180,000 |
| Huron County Ohio | 122 | $ 17,490,000 | $ 143,000 | $ 99,000 |
| Ripley County Indiana | 87 | $ 11,915,000 | $ 136,000 | $ 66,000 |
| Montgomery County Ohio | 75 | $ 20,725,000 | $ 276,000 | $ 197,000 |
| Summit County Ohio | 74 | $ 17,260,000 | $ 233,000 | $ 175,000 |
| Delaware County Ohio | 67 | $ 20,595,000 | $ 307,000 | $ 164,000 |
| Hamilton County Ohio | 54 | $ 20,710,000 | $ 383,000 | $ 220,000 |
| Lorain County Ohio | 53 | $ 11,155,000 | $ 210,000 | $ 166,000 |
| Warren County Ohio | 46 | $ 13,790,000 | $ 299,000 | $ 176,000 |
| Ottawa County Ohio | 45 | $ 9,955,000 | $ 221,000 | $ 260,000 |
| Richland County Ohio | 43 | $ 4,855,000 | $ 112,000 | $ 62,000 |
| Ohio County Indiana | 29 | $ 4,515,000 | $ 155,000 | $ 99,000 |
| Champaign County Ohio | 29 | $ 4,015,000 | $ 138,000 | $ 79,000 |
| Sandusky County Ohio | 29 | $ 4,705,000 | $ 162,000 | $ 71,000 |
| Boone County Kentucky | 26 | $ 4,810,000 | $ 185,000 | $ 118,000 |
| Logan County Ohio | 24 | $ 3,340,000 | $ 139,000 | $ 63,000 |
| Kenton County Kentucky | 23 | $ 5,005,000 | $ 217,000 | $ 123,000 |
| Butler County Ohio | 23 | $ 4,885,000 | $ 212,000 | $ 103,000 |
| Union County Ohio | 21 | $ 6,365,000 | $ 303,000 | $ 165,000 |
| Stark County Ohio | 20 | $ 98,100,000 | $ 4,905,000 | $ 224,000 |
| Lucas County Ohio | 19 | $ 18,595,000 | $ 978,000 | $ 86,000 |
| Clermont County Ohio | 18 | $ 3,970,000 | $ 220,000 | $ 90,000 |
| Crawford County Ohio | 18 | $ 2,540,000 | $ 141,000 | $ 108,000 |
| Fairfield County Ohio | 16 | $ 3,920,000 | $ 245,000 | $ 154,000 |
| Lake County Ohio | 16 | $ 3,210,000 | $ 200,000 | $ 114,000 |
| Greene County Ohio | 15 | $ 3,665,000 | $ 244,000 | $ 110,000 |
| Campbell County Kentucky | 13 | $ 3,835,000 | $ 295,000 | $ 141,000 |
| Madison County Ohio | 12 | $ 2,590,000 | $ 215,000 | $ 94,000 |
| Geauga County Ohio | 11 | $ 2,595,000 | $ 235,000 | $ 159,000 |
| Licking County Ohio | 10 | $ 3,050,000 | $ 305,000 | $ 176,000 |
| Medina County Ohio | 10 | $ 2,590,000 | $ 259,000 | $ 100,000 |
| Portage County Ohio | 10 | $ 1,920,000 | $ 192,000 | $ 115,000 |
| Hamilton County Indiana | 9 | $ 1,675,000 | $ 186,000 | $ 154,000 |
| Clark County Ohio | 9 | $ 1,415,000 | $ 157,000 | $ 115,000 |
| Miami County Ohio | 9 | $ 2,215,000 | $ 246,000 | $ 230,000 |
| Ashland County Ohio | 8 | $ 1,980,000 | $ 247,000 | $ 97,000 |
| Franklin County Indiana | 7 | $ 1,495,000 | $ 213,000 | $ 104,000 |
| Collier County Florida | 5 | $ 1,705,000 | $ 341,000 | $ 240,000 |
| Switzerland County Indiana | 5 | $ 795,000 | $ 159,000 | $ 69,000 |
| Decatur County Indiana | 4 | $ 550,000 | $ 137,000 | $ 79,000 |
| Hocking County Ohio | 4 | $ 950,000 | $ 237,000 | $ 90,000 |
| Pickaway County Ohio | 4 | $ 700,000 | $ 175,000 | $ 57,000 |
| Wood County Ohio | 4 | $ 1,000,000 | $ 250,000 | $ 192,000 |
| Brevard County Florida | 3 | $ 805,000 | $ 268,000 | $ 61,000 |
| Lee County Florida | 3 | $ 885,000 | $ 295,000 | $ 258,000 |
| Morrow County Ohio | 3 | $ 495,000 | $ 165,000 | $ 44,000 |
| Muskingum County Ohio | 3 | $ 605,000 | $ 201,000 | $ 111,000 |
| Seneca County Ohio | 3 | $ 435,000 | $ 145,000 | $ 71,000 |
| Campbell County Tennessee | 3 | $ 415,000 | $ 138,000 | $ 254,000 |
| Dallas County Texas | 3 | $ 565,000 | $ 188,000 | $ 349,000 |
| Alameda County California | 2 | $ 1,230,000 | $ 615,000 | $ 394,000 |
| Jefferson County Colorado | 2 | $ 710,000 | $ 355,000 | $ 189,000 |
| Charlotte County Florida | 2 | $ 630,000 | $ 315,000 | $ 312,000 |
| Miami-Dade County Florida | 2 | $ 740,000 | $ 370,000 | $ 315,000 |
| Sarasota County Florida | 2 | $ 500,000 | $ 250,000 | $ 409,000 |
| Cook County Illinois | 2 | $ 620,000 | $ 310,000 | $ 559,000 |
| Tippecanoe County Indiana | 2 | $ 510,000 | $ 255,000 | $ 71,000 |
| Lyon County Kentucky | 2 | $ 190,000 | $ 95,000 | $ 56,000 |
| Shelby County Kentucky | 2 | $ 620,000 | $ 310,000 | $ 107,000 |
| Ottawa County Michigan | 2 | $ 580,000 | $ 290,000 | $ 450,000 |
| Chautauqua County New York | 2 | $ 730,000 | $ 365,000 | $ 1,372,000 |
| Ashtabula County Ohio | 2 | $ 350,000 | $ 175,000 | $ 65,000 |
| Clinton County Ohio | 2 | $ 410,000 | $ 205,000 | $ 109,000 |
| Darke County Ohio | 2 | $ 210,000 | $ 105,000 | $ 50,000 |
| Fayette County Ohio | 2 | $ 390,000 | $ 195,000 | $ 87,000 |
| Guernsey County Ohio | 2 | $ 280,000 | $ 140,000 | $ 84,000 |
| Knox County Ohio | 2 | $ 340,000 | $ 170,000 | $ 49,000 |
| Marion County Ohio | 2 | $ 210,000 | $ 105,000 | $ 59,000 |
| Shelby County Tennessee | 2 | $ 130,000 | $ 65,000 | $ 278,000 |
| Collin County Texas | 2 | $ 220,000 | $ 110,000 | $ 485,000 |
| Tucker County West Virginia | 2 | $ 380,000 | $ 190,000 | $ 228,000 |
| Limestone County Alabama | 1 | $ 425,000 | $ 425,000 | $ 140,000 |
| Maricopa County Arizona | 1 | $ 155,000 | $ 155,000 | $ 62,000 |
| Pima County Arizona | 1 | $ 125,000 | $ 125,000 | $ 368,000 |
| Contra Costa County California | 1 | $ 525,000 | $ 525,000 | $ 137,000 |
| Riverside County California | 1 | $ 285,000 | $ 285,000 | $ 300,000 |
| Routt County Colorado | 1 | $ 195,000 | $ 195,000 | $ 190,000 |
| Broward County Florida | 1 | $ 265,000 | $ 265,000 | $ 260,000 |
| Hillsborough County Florida | 1 | $ 315,000 | $ 315,000 | $ 119,000 |
| Orange County Florida | 1 | $ 395,000 | $ 395,000 | $ 72,000 |
| Volusia County Florida | 1 | $ 155,000 | $ 155,000 | $ 88,000 |
| Kendall County Illinois | 1 | $ 215,000 | $ 215,000 | $ 103,000 |
| Will County Illinois | 1 | $ 515,000 | $ 515,000 | $ 284,000 |
| Bartholomew County Indiana | 1 | $ 105,000 | $ 105,000 | $ 27,000 |
| Boone County Indiana | 1 | $ 125,000 | $ 125,000 | $ 57,000 |
| Hendricks County Indiana | 1 | $ 175,000 | $ 175,000 | $ 125,000 |
| Jennings County Indiana | 1 | $ 55,000 | $ 55,000 | $ 9,000 |
| Kosciusko County Indiana | 1 | $ 165,000 | $ 165,000 | $ 182,000 |
| Marion County Indiana | 1 | $ 155,000 | $ 155,000 | $ 278,000 |
| Monroe County Indiana | 1 | $ 205,000 | $ 205,000 | $ 104,000 |
| Gallatin County Kentucky | 1 | $ 135,000 | $ 135,000 | $ 67,000 |
| Oldham County Kentucky | 1 | $ 275,000 | $ 275,000 | $ 160,000 |
| Owen County Kentucky | 1 | $ 585,000 | $ 585,000 | $ 179,000 |
| Powell County Kentucky | 1 | $ 205,000 | $ 205,000 | $ 536,000 |
| Pulaski County Kentucky | 1 | $ 205,000 | $ 205,000 | $ 48,000 |
| Whitley County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 181,000 |
| Anne Arundel County Maryland | 1 | $ 515,000 | $ 515,000 | $ 119,000 |
| Branch County Michigan | 1 | $ 105,000 | $ 105,000 | $ 184,000 |
| Iosco County Michigan | 1 | $ 145,000 | $ 145,000 | $ 164,000 |
| Leelanau County Michigan | 1 | $ 275,000 | $ 275,000 | $ 949,000 |
| Livingston County Michigan | 1 | $ 305,000 | $ 305,000 | $ 177,000 |
| Macomb County Michigan | 1 | $ 125,000 | $ 125,000 | $ 85,000 |
| Midland County Michigan | 1 | $ 265,000 | $ 265,000 | $ 188,000 |
| Oakland County Michigan | 1 | $ 115,000 | $ 115,000 | $ 475,000 |
| Clark County Nevada | 1 | $ 365,000 | $ 365,000 | $ 365,000 |
| Guilford County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 86,000 |
| Moore County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 202,000 |
| Union County North Carolina | 1 | $ 285,000 | $ 285,000 | $ 155,000 |
| Wake County North Carolina | 1 | $ 325,000 | $ 325,000 | $ 141,000 |
| Columbiana County Ohio | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Hancock County Ohio | 1 | $ 445,000 | $ 445,000 | $ 283,000 |
| Highland County Ohio | 1 | $ 205,000 | $ 205,000 | $ 653,000 |
| Mahoning County Ohio | 1 | $ 255,000 | $ 255,000 | $ 1,050,000 |
| Perry County Ohio | 1 | $ 235,000 | $ 235,000 | $ 52,000 |
| Washington County Ohio | 1 | $ 125,000 | $ 125,000 | $ 70,000 |
| Wayne County Ohio | 1 | $ 245,000 | $ 245,000 | $ 100,000 |
| Williams County Ohio | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
| Crawford County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Franklin County Pennsylvania | 1 | $ 215,000 | $ 215,000 | $ 72,000 |
| Lawrence County Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 203,000 |
| Beaufort County South Carolina | 1 | $ 425,000 | $ 425,000 | $ 263,000 |
| Berkeley County South Carolina | 1 | $ 515,000 | $ 515,000 | $ 122,000 |
| Davidson County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 54,000 |
| Union County Tennessee | 1 | $ 425,000 | $ 425,000 | $ 709,000 |
| Denton County Texas | 1 | $ 515,000 | $ 515,000 | $ 398,000 |
| Fairfax County Virginia | 1 | $ 205,000 | $ 205,000 | $ 755,000 |
| Loudoun County Virginia | 1 | $ 465,000 | $ 465,000 | $ 284,000 |
| Virginia Beach County Virginia | 1 | $ 345,000 | $ 345,000 | $ 143,000 |
| Winchester County Virginia | 1 | $ 315,000 | $ 315,000 | $ 283,000 |
Mortgage Loan Application Detail Totals for Civista Bank in 2020
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,057 | $314,505,000 | $297,000 | $91,005,000 | $114,000 | $1,367,000 |
| Refinancing | 815 | $187,095,000 | $229,000 | $5,285,000 | $160,000 | $4,477,000 |
| Cash-out Refinancing | 524 | $121,110,000 | $231,000 | $7,205,000 | $147,000 | $3,432,000 |
| Home Improvement | 54 | $12,000,000 | $222,000 | $1,165,000 | $137,000 | $580,000 |
| Other Purpose | 6 | $420,000 | $70,000 | $215,000 | $87,000 | $120,000 |
| Not Applicable | 2 | $330,000 | $165,000 | $175,000 | $51,000 | $59,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 2,071 | $415,715,000 | $200,000 | $1,185,000 | $135,000 | $4,477,000 |
| Not Provided | 189 | $38,185,000 | $202,000 | $755,000 | $141,000 | $881,000 |
| Not applicable | 66 | $152,370,000 | $2,308,000 | $91,005,000 | $0 | $0 |
| Black or African American | 52 | $10,180,000 | $195,000 | $645,000 | $174,000 | $592,000 |
| Asian | 44 | $12,410,000 | $282,000 | $805,000 | $180,000 | $755,000 |
| Hispanic | 34 | $5,860,000 | $172,000 | $405,000 | $111,000 | $580,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $455,000 | $455,000 | $455,000 | $321,000 | $321,000 |
| American Indian or Alaskan Native | 1 | $285,000 | $285,000 | $285,000 | $80,000 | $80,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,355 | $617,985,000 | $262,000 | $91,005,000 | $139,000 | $4,477,000 |
| FHA-insured (Federal Housing Administration) | 73 | $11,405,000 | $156,000 | $315,000 | $110,000 | $3,432,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $2,320,000 | $145,000 | $195,000 | $51,000 | $80,000 |
| VA-guaranteed (Veterans Administration) | 14 | $3,750,000 | $267,000 | $465,000 | $105,000 | $259,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,935 | $519,115,000 | $268,000 | $91,005,000 | $135,000 | $2,419,000 |
| Application Withdrawn By Applicant | 255 | $64,865,000 | $254,000 | $5,285,000 | $174,000 | $4,477,000 |
| Application Denied By Financial Institution | 202 | $37,720,000 | $186,000 | $975,000 | $111,000 | $881,000 |
| File Closed For Incompleteness | 42 | $8,360,000 | $199,000 | $635,000 | $147,000 | $912,000 |
| Application Approved But Not Accepted | 20 | $4,430,000 | $221,000 | $515,000 | $138,000 | $526,000 |
| Preapproval Denied by Financial Institution | 4 | $970,000 | $242,000 | $405,000 | $81,000 | $156,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 2,252 | $596,770,000 | $264,000 | $91,005,000 | $140,000 | $4,477,000 |
| Credit Application Incomplete | 75 | $14,435,000 | $192,000 | $515,000 | $126,000 | $881,000 |
| Credit History | 46 | $8,370,000 | $181,000 | $605,000 | $93,000 | $475,000 |
| Collateral | 32 | $5,860,000 | $183,000 | $375,000 | $118,000 | $446,000 |
| Debt-To-Income Ratio | 31 | $6,545,000 | $211,000 | $975,000 | $70,000 | $315,000 |
| Other | 15 | $2,055,000 | $137,000 | $495,000 | $167,000 | $350,000 |
| Unverifiable Information | 4 | $890,000 | $222,000 | $315,000 | $86,000 | $148,000 |
| Mortgage Insurance Denied | 2 | $260,000 | $130,000 | $135,000 | $56,000 | $57,000 |
| Employment History | 1 | $275,000 | $275,000 | $275,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Civista Bank's 2020 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Civista Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.