Civista Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Civista Bank 2021 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 | 3,183 |
| Total Mortgage Loan Application Amount | $593,345,000 |
| Average Mortgage Loan Application Amount | $195,200 |
| Highest Mortgage Loan Application Amount | $7,605,000 |
| Average Applicant Income | $126,600 |
| Highest Applicant Income | $5,500,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 657 | $ 96,845,000 | $ 147,000 | $ 97,000 |
| Dearborn County Indiana | 438 | $ 70,640,000 | $ 161,000 | $ 97,000 |
| Franklin County Ohio | 351 | $ 80,635,000 | $ 229,000 | $ 117,000 |
| Cuyahoga County Ohio | 189 | $ 43,795,000 | $ 231,000 | $ 172,000 |
| Huron County Ohio | 182 | $ 19,280,000 | $ 105,000 | $ 66,000 |
| Ripley County Indiana | 150 | $ 19,310,000 | $ 128,000 | $ 65,000 |
| Delaware County Ohio | 94 | $ 25,200,000 | $ 268,000 | $ 186,000 |
| Summit County Ohio | 81 | $ 17,905,000 | $ 221,000 | $ 176,000 |
| Montgomery County Ohio | 79 | $ 15,225,000 | $ 192,000 | $ 137,000 |
| Richland County Ohio | 74 | $ 6,670,000 | $ 90,000 | $ 64,000 |
| Lorain County Ohio | 68 | $ 19,800,000 | $ 291,000 | $ 235,000 |
| Ottawa County Ohio | 66 | $ 14,730,000 | $ 223,000 | $ 192,000 |
| Hamilton County Ohio | 64 | $ 16,410,000 | $ 256,000 | $ 123,000 |
| Champaign County Ohio | 44 | $ 6,260,000 | $ 142,000 | $ 74,000 |
| Warren County Ohio | 43 | $ 17,405,000 | $ 404,000 | $ 237,000 |
| Union County Ohio | 35 | $ 7,455,000 | $ 213,000 | $ 129,000 |
| Sandusky County Ohio | 32 | $ 4,730,000 | $ 147,000 | $ 77,000 |
| Logan County Ohio | 31 | $ 3,615,000 | $ 116,000 | $ 100,000 |
| Crawford County Ohio | 30 | $ 2,910,000 | $ 97,000 | $ 66,000 |
| Fairfield County Ohio | 28 | $ 4,810,000 | $ 171,000 | $ 157,000 |
| Kenton County Kentucky | 27 | $ 4,515,000 | $ 167,000 | $ 110,000 |
| Ohio County Indiana | 26 | $ 4,220,000 | $ 162,000 | $ 94,000 |
| Butler County Ohio | 23 | $ 4,425,000 | $ 192,000 | $ 90,000 |
| Lake County Ohio | 20 | $ 6,370,000 | $ 318,000 | $ 295,000 |
| Madison County Ohio | 17 | $ 3,155,000 | $ 185,000 | $ 160,000 |
| Franklin County Indiana | 16 | $ 2,740,000 | $ 171,000 | $ 72,000 |
| Clark County Ohio | 16 | $ 2,710,000 | $ 169,000 | $ 469,000 |
| Licking County Ohio | 16 | $ 3,360,000 | $ 210,000 | $ 138,000 |
| Campbell County Kentucky | 15 | $ 3,025,000 | $ 201,000 | $ 143,000 |
| Stark County Ohio | 15 | $ 1,745,000 | $ 116,000 | $ 138,000 |
| Switzerland County Indiana | 14 | $ 2,660,000 | $ 190,000 | $ 72,000 |
| Boone County Kentucky | 14 | $ 2,760,000 | $ 197,000 | $ 134,000 |
| Geauga County Ohio | 13 | $ 2,895,000 | $ 222,000 | $ 208,000 |
| Clermont County Ohio | 12 | $ 3,180,000 | $ 265,000 | $ 149,000 |
| Greene County Ohio | 12 | $ 2,860,000 | $ 238,000 | $ 266,000 |
| Medina County Ohio | 12 | $ 2,280,000 | $ 190,000 | $ 96,000 |
| Portage County Ohio | 11 | $ 4,895,000 | $ 445,000 | $ 328,000 |
| Hamilton County Indiana | 10 | $ 2,300,000 | $ 230,000 | $ 122,000 |
| Ashland County Ohio | 9 | $ 1,055,000 | $ 117,000 | $ 86,000 |
| Marion County Indiana | 7 | $ 3,085,000 | $ 440,000 | $ 111,000 |
| Pickaway County Ohio | 7 | $ 1,415,000 | $ 202,000 | $ 108,000 |
| Wayne County Ohio | 7 | $ 1,265,000 | $ 180,000 | $ 136,000 |
| Lee County Florida | 6 | $ 2,480,000 | $ 413,000 | $ 367,000 |
| Marion County Ohio | 6 | $ 970,000 | $ 161,000 | $ 54,000 |
| Miami County Ohio | 6 | $ 1,030,000 | $ 171,000 | $ 193,000 |
| Wood County Ohio | 6 | $ 1,640,000 | $ 273,000 | $ 180,000 |
| Lucas County Ohio | 5 | $ 265,000 | $ 53,000 | $ 90,000 |
| Morrow County Ohio | 5 | $ 1,095,000 | $ 219,000 | $ 77,000 |
| Mecklenburg County North Carolina | 4 | $ 980,000 | $ 245,000 | $ 139,000 |
| Ashtabula County Ohio | 4 | $ 1,260,000 | $ 315,000 | $ 852,000 |
| Decatur County Indiana | 3 | $ 1,105,000 | $ 368,000 | $ 129,000 |
| Trumbull County Ohio | 3 | $ 1,965,000 | $ 655,000 | $ 104,000 |
| New Castle County Delaware | 2 | $ 160,000 | $ 80,000 | $ 81,000 |
| Brevard County Florida | 2 | $ 290,000 | $ 145,000 | $ 137,000 |
| Polk County Florida | 2 | $ 590,000 | $ 295,000 | $ 164,000 |
| Volusia County Florida | 2 | $ 440,000 | $ 220,000 | $ 114,000 |
| Walton County Florida | 2 | $ 1,010,000 | $ 505,000 | $ 452,000 |
| Darke County Ohio | 2 | $ 470,000 | $ 235,000 | $ 57,000 |
| Guernsey County Ohio | 2 | $ 410,000 | $ 205,000 | $ 132,000 |
| Hocking County Ohio | 2 | $ 360,000 | $ 180,000 | $ 99,000 |
| Knox County Ohio | 2 | $ 260,000 | $ 130,000 | $ 70,000 |
| Preble County Ohio | 2 | $ 540,000 | $ 270,000 | $ 77,000 |
| Seneca County Ohio | 2 | $ 320,000 | $ 160,000 | $ 87,000 |
| Allegheny County Pennsylvania | 2 | $ 390,000 | $ 195,000 | $ 84,000 |
| Charleston County South Carolina | 2 | $ 700,000 | $ 350,000 | $ 110,000 |
| Shelby County Alabama | 1 | $ 405,000 | $ 405,000 | $ 0 |
| District of Columbia County District Of Columbia | 1 | $ 355,000 | $ 355,000 | $ 212,000 |
| Charlotte County Florida | 1 | $ 105,000 | $ 105,000 | $ 20,000 |
| Collier County Florida | 1 | $ 545,000 | $ 545,000 | $ 1,601,000 |
| Duval County Florida | 1 | $ 315,000 | $ 315,000 | $ 79,000 |
| Manatee County Florida | 1 | $ 175,000 | $ 175,000 | $ 40,000 |
| Miami-Dade County Florida | 1 | $ 545,000 | $ 545,000 | $ 780,000 |
| Palm Beach County Florida | 1 | $ 385,000 | $ 385,000 | $ 617,000 |
| McIntosh County Georgia | 1 | $ 135,000 | $ 135,000 | $ 54,000 |
| Pickens County Georgia | 1 | $ 175,000 | $ 175,000 | $ 175,000 |
| Fayette County Indiana | 1 | $ 105,000 | $ 105,000 | $ 62,000 |
| Johnson County Indiana | 1 | $ 105,000 | $ 105,000 | $ 22,000 |
| Monroe County Indiana | 1 | $ 85,000 | $ 85,000 | $ 107,000 |
| Wayne County Indiana | 1 | $ 45,000 | $ 45,000 | $ 12,000 |
| Johnson County Kansas | 1 | $ 135,000 | $ 135,000 | $ 64,000 |
| Bracken County Kentucky | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Grant County Kentucky | 1 | $ 145,000 | $ 145,000 | $ 57,000 |
| Jefferson County Kentucky | 1 | $ 185,000 | $ 185,000 | $ 72,000 |
| Jessamine County Kentucky | 1 | $ 325,000 | $ 325,000 | $ 175,000 |
| Macomb County Michigan | 1 | $ 135,000 | $ 135,000 | $ 36,000 |
| Ramsey County Minnesota | 1 | $ 185,000 | $ 185,000 | $ 72,000 |
| Strafford County New Hampshire | 1 | $ 175,000 | $ 175,000 | $ 104,000 |
| Cattaraugus County New York | 1 | $ 415,000 | $ 415,000 | $ 578,000 |
| Allen County Ohio | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Athens County Ohio | 1 | $ 355,000 | $ 355,000 | $ 137,000 |
| Carroll County Ohio | 1 | $ 145,000 | $ 145,000 | $ 38,000 |
| Clinton County Ohio | 1 | $ 305,000 | $ 305,000 | $ 170,000 |
| Highland County Ohio | 1 | $ 155,000 | $ 155,000 | $ 145,000 |
| Jefferson County Ohio | 1 | $ 125,000 | $ 125,000 | $ 29,000 |
| Lawrence County Ohio | 1 | $ 125,000 | $ 125,000 | $ 134,000 |
| Mahoning County Ohio | 1 | $ 475,000 | $ 475,000 | $ 293,000 |
| Mercer County Ohio | 1 | $ 235,000 | $ 235,000 | $ 58,000 |
| Muskingum County Ohio | 1 | $ 85,000 | $ 85,000 | $ 38,000 |
| Noble County Ohio | 1 | $ 305,000 | $ 305,000 | $ 83,000 |
| Scioto County Ohio | 1 | $ 255,000 | $ 255,000 | $ 89,000 |
| Shelby County Ohio | 1 | $ 185,000 | $ 185,000 | $ 54,000 |
| Washington County Ohio | 1 | $ 245,000 | $ 245,000 | $ 55,000 |
| Wyandot County Ohio | 1 | $ 85,000 | $ 85,000 | $ 40,000 |
| Chester County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 83,000 |
| Berkeley County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 120,000 |
| Union County Tennessee | 1 | $ 365,000 | $ 365,000 | $ 259,000 |
| Williamson County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 124,000 |
| Tarrant County Texas | 1 | $ 435,000 | $ 435,000 | $ 340,000 |
| Fairfax County Virginia | 1 | $ 425,000 | $ 425,000 | $ 97,000 |
| Tucker County West Virginia | 1 | $ 2,745,000 | $ 2,745,000 | $ 0 |
Mortgage Loan Application Detail Totals for Civista Bank in 2021
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 | 1,186 | $265,600,000 | $223,000 | $2,955,000 | $108,000 | $1,670,000 |
| Other Purpose | 861 | $92,485,000 | $107,000 | $755,000 | $121,000 | $5,500,000 |
| Refinancing | 733 | $155,655,000 | $212,000 | $7,605,000 | $132,000 | $2,861,000 |
| Cash-out Refinancing | 371 | $71,865,000 | $193,000 | $3,005,000 | $149,000 | $1,961,000 |
| Home Improvement | 32 | $7,740,000 | $241,000 | $1,205,000 | $123,000 | $780,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,274 | $416,410,000 | $183,000 | $1,905,000 | $117,000 | $2,861,000 |
| Not Provided | 660 | $95,170,000 | $144,000 | $985,000 | $144,000 | $5,500,000 |
| Black or African American | 78 | $11,230,000 | $143,000 | $435,000 | $73,000 | $325,000 |
| Not applicable | 69 | $48,865,000 | $708,000 | $7,605,000 | $0 | $0 |
| Asian | 50 | $12,470,000 | $249,000 | $1,205,000 | $120,000 | $330,000 |
| Hispanic | 43 | $7,445,000 | $173,000 | $565,000 | $87,000 | $242,000 |
| American Indian or Alaskan Native | 5 | $965,000 | $193,000 | $295,000 | $71,000 | $132,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $790,000 | $197,000 | $385,000 | $266,000 | $339,000 |
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) | 3,060 | $571,670,000 | $186,000 | $7,605,000 | $122,000 | $5,500,000 |
| FHA-insured (Federal Housing Administration) | 98 | $15,300,000 | $156,000 | $485,000 | $109,000 | $1,020,000 |
| VA-guaranteed (Veterans Administration) | 17 | $5,035,000 | $296,000 | $935,000 | $118,000 | $585,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,340,000 | $167,000 | $215,000 | $56,000 | $88,000 |
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 | 2,446 | $451,970,000 | $184,000 | $2,745,000 | $122,000 | $5,500,000 |
| Application Withdrawn By Applicant | 283 | $72,565,000 | $256,000 | $7,605,000 | $148,000 | $2,316,000 |
| Application Denied By Financial Institution | 281 | $42,095,000 | $149,000 | $1,905,000 | $94,000 | $1,470,000 |
| Application Approved But Not Accepted | 134 | $18,320,000 | $136,000 | $585,000 | $105,000 | $1,040,000 |
| File Closed For Incompleteness | 38 | $8,280,000 | $217,000 | $545,000 | $172,000 | $810,000 |
| Preapproval Denied by Financial Institution | 1 | $115,000 | $115,000 | $115,000 | $39,000 | $39,000 |
| 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 | 2,901 | $551,135,000 | $189,000 | $7,605,000 | $124,000 | $5,500,000 |
| Debt-To-Income Ratio | 91 | $13,795,000 | $151,000 | $655,000 | $55,000 | $376,000 |
| Collateral | 75 | $11,075,000 | $147,000 | $545,000 | $95,000 | $325,000 |
| Credit History | 64 | $9,760,000 | $152,000 | $1,905,000 | $91,000 | $747,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 22 | $1,130,000 | $51,000 | $205,000 | $51,000 | $97,000 |
| Other | 16 | $2,930,000 | $183,000 | $485,000 | $124,000 | $688,000 |
| Credit Application Incomplete | 7 | $1,865,000 | $266,000 | $515,000 | $643,000 | $1,470,000 |
| Unverifiable Information | 4 | $1,270,000 | $317,000 | $615,000 | $178,000 | $349,000 |
| Employment History | 3 | $385,000 | $128,000 | $175,000 | $30,000 | $65,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Civista Bank's 2021 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.
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with aggregated HMDA statistics today.