Civista Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Civista Bank 2022 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 | 2,642 |
| Total Mortgage Loan Application Amount | $566,610,000 |
| Average Mortgage Loan Application Amount | $246,000 |
| Highest Mortgage Loan Application Amount | $12,205,000 |
| Average Applicant Income | $134,200 |
| Highest Applicant Income | $3,546,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 487 | $ 66,965,000 | $ 137,000 | $ 103,000 |
| Dearborn County Indiana | 354 | $ 46,120,000 | $ 130,000 | $ 96,000 |
| Franklin County Ohio | 219 | $ 62,685,000 | $ 286,000 | $ 134,000 |
| Cuyahoga County Ohio | 153 | $ 44,405,000 | $ 290,000 | $ 192,000 |
| Huron County Ohio | 141 | $ 15,205,000 | $ 107,000 | $ 87,000 |
| Ripley County Indiana | 115 | $ 13,925,000 | $ 121,000 | $ 68,000 |
| Delaware County Ohio | 79 | $ 24,995,000 | $ 316,000 | $ 186,000 |
| Summit County Ohio | 78 | $ 29,050,000 | $ 372,000 | $ 145,000 |
| Henry County Ohio | 66 | $ 8,880,000 | $ 134,000 | $ 82,000 |
| Richland County Ohio | 61 | $ 5,885,000 | $ 96,000 | $ 71,000 |
| Hamilton County Ohio | 49 | $ 14,895,000 | $ 303,000 | $ 142,000 |
| Lorain County Ohio | 47 | $ 12,625,000 | $ 268,000 | $ 195,000 |
| Ottawa County Ohio | 41 | $ 10,065,000 | $ 245,000 | $ 269,000 |
| Wood County Ohio | 38 | $ 10,630,000 | $ 279,000 | $ 118,000 |
| Montgomery County Ohio | 36 | $ 5,770,000 | $ 160,000 | $ 177,000 |
| Champaign County Ohio | 35 | $ 4,605,000 | $ 131,000 | $ 69,000 |
| Fairfield County Ohio | 33 | $ 5,815,000 | $ 176,000 | $ 107,000 |
| Lucas County Ohio | 30 | $ 9,790,000 | $ 326,000 | $ 154,000 |
| Ohio County Indiana | 29 | $ 3,285,000 | $ 113,000 | $ 80,000 |
| Union County Ohio | 28 | $ 7,910,000 | $ 282,000 | $ 152,000 |
| Warren County Ohio | 28 | $ 7,090,000 | $ 253,000 | $ 196,000 |
| Madison County Ohio | 27 | $ 4,635,000 | $ 171,000 | $ 110,000 |
| Sandusky County Ohio | 25 | $ 3,205,000 | $ 128,000 | $ 82,000 |
| Medina County Ohio | 24 | $ 5,740,000 | $ 239,000 | $ 167,000 |
| Licking County Ohio | 21 | $ 5,135,000 | $ 244,000 | $ 160,000 |
| Logan County Ohio | 21 | $ 1,715,000 | $ 81,000 | $ 71,000 |
| Lake County Ohio | 20 | $ 4,580,000 | $ 229,000 | $ 126,000 |
| Franklin County Indiana | 17 | $ 2,085,000 | $ 122,000 | $ 82,000 |
| Campbell County Kentucky | 16 | $ 4,760,000 | $ 297,000 | $ 134,000 |
| Crawford County Ohio | 16 | $ 1,450,000 | $ 90,000 | $ 77,000 |
| Clark County Ohio | 13 | $ 955,000 | $ 73,000 | $ 114,000 |
| Greene County Ohio | 12 | $ 3,890,000 | $ 324,000 | $ 171,000 |
| Boone County Kentucky | 11 | $ 2,695,000 | $ 245,000 | $ 98,000 |
| Kenton County Kentucky | 11 | $ 3,025,000 | $ 275,000 | $ 103,000 |
| Butler County Ohio | 11 | $ 11,505,000 | $ 1,045,000 | $ 159,000 |
| Clermont County Ohio | 10 | $ 2,880,000 | $ 288,000 | $ 119,000 |
| Ashland County Ohio | 9 | $ 1,325,000 | $ 147,000 | $ 119,000 |
| Geauga County Ohio | 9 | $ 3,565,000 | $ 396,000 | $ 196,000 |
| Defiance County Ohio | 8 | $ 1,260,000 | $ 157,000 | $ 102,000 |
| Portage County Ohio | 7 | $ 3,185,000 | $ 455,000 | $ 165,000 |
| Morrow County Ohio | 6 | $ 1,470,000 | $ 245,000 | $ 154,000 |
| Stark County Ohio | 6 | $ 6,810,000 | $ 1,135,000 | $ 117,000 |
| Marion County Indiana | 5 | $ 875,000 | $ 175,000 | $ 112,000 |
| Switzerland County Indiana | 5 | $ 775,000 | $ 155,000 | $ 63,000 |
| Muskingum County Ohio | 5 | $ 175,000 | $ 35,000 | $ 129,000 |
| Pickaway County Ohio | 5 | $ 875,000 | $ 175,000 | $ 101,000 |
| Hancock County Ohio | 4 | $ 490,000 | $ 122,000 | $ 333,000 |
| Miami County Ohio | 4 | $ 330,000 | $ 82,000 | $ 155,000 |
| Wayne County Ohio | 4 | $ 2,140,000 | $ 535,000 | $ 0 |
| Decatur County Indiana | 3 | $ 415,000 | $ 138,000 | $ 53,000 |
| Hamilton County Indiana | 3 | $ 1,225,000 | $ 408,000 | $ 120,000 |
| Jefferson County Indiana | 3 | $ 485,000 | $ 161,000 | $ 76,000 |
| Tippecanoe County Indiana | 3 | $ 895,000 | $ 298,000 | $ 178,000 |
| Fayette County Ohio | 3 | $ 325,000 | $ 108,000 | $ 97,000 |
| Knox County Ohio | 3 | $ 645,000 | $ 215,000 | $ 182,000 |
| Marion County Ohio | 3 | $ 375,000 | $ 125,000 | $ 39,000 |
| Perry County Ohio | 3 | $ 115,000 | $ 38,000 | $ 68,000 |
| Shelby County Ohio | 3 | $ 275,000 | $ 91,000 | $ 51,000 |
| Williams County Ohio | 3 | $ 415,000 | $ 138,000 | $ 67,000 |
| Charlotte County Florida | 2 | $ 630,000 | $ 315,000 | $ 200,000 |
| Collier County Florida | 2 | $ 730,000 | $ 365,000 | $ 167,000 |
| Hillsborough County Florida | 2 | $ 550,000 | $ 275,000 | $ 233,000 |
| Orange County Florida | 2 | $ 1,170,000 | $ 585,000 | $ 238,000 |
| Polk County Florida | 2 | $ 600,000 | $ 300,000 | $ 110,000 |
| Sarasota County Florida | 2 | $ 760,000 | $ 380,000 | $ 207,000 |
| Sumter County Florida | 2 | $ 310,000 | $ 155,000 | $ 119,000 |
| Williamson County Illinois | 2 | $ 470,000 | $ 235,000 | $ 800,000 |
| Bracken County Kentucky | 2 | $ 170,000 | $ 85,000 | $ 89,000 |
| Pendleton County Kentucky | 2 | $ 640,000 | $ 320,000 | $ 174,000 |
| Auglaize County Ohio | 2 | $ 160,000 | $ 80,000 | $ 59,000 |
| Brown County Ohio | 2 | $ 380,000 | $ 190,000 | $ 102,000 |
| Carroll County Ohio | 2 | $ 180,000 | $ 90,000 | $ 85,000 |
| Guernsey County Ohio | 2 | $ 420,000 | $ 210,000 | $ 94,000 |
| Hardin County Ohio | 2 | $ 310,000 | $ 155,000 | $ 44,000 |
| Scioto County Ohio | 2 | $ 90,000 | $ 45,000 | $ 70,000 |
| Trumbull County Ohio | 2 | $ 120,000 | $ 60,000 | $ 106,000 |
| Archuleta County Colorado | 1 | $ 775,000 | $ 775,000 | $ 330,000 |
| Cheyenne County Colorado | 1 | $ 125,000 | $ 125,000 | $ 286,000 |
| Jefferson County Colorado | 1 | $ 415,000 | $ 415,000 | $ 140,000 |
| New Haven County Connecticut | 1 | $ 755,000 | $ 755,000 | $ 260,000 |
| New Castle County Delaware | 1 | $ 55,000 | $ 55,000 | $ 86,000 |
| Lee County Florida | 1 | $ 885,000 | $ 885,000 | $ 350,000 |
| Volusia County Florida | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Delaware County Indiana | 1 | $ 85,000 | $ 85,000 | $ 176,000 |
| Fayette County Indiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Hendricks County Indiana | 1 | $ 235,000 | $ 235,000 | $ 64,000 |
| Henry County Indiana | 1 | $ 45,000 | $ 45,000 | $ 15,000 |
| Johnson County Indiana | 1 | $ 195,000 | $ 195,000 | $ 399,000 |
| Monroe County Indiana | 1 | $ 125,000 | $ 125,000 | $ 112,000 |
| Leavenworth County Kansas | 1 | $ 155,000 | $ 155,000 | $ 96,000 |
| Fayette County Kentucky | 1 | $ 155,000 | $ 155,000 | $ 103,000 |
| Grant County Kentucky | 1 | $ 335,000 | $ 335,000 | $ 129,000 |
| Jefferson County Kentucky | 1 | $ 305,000 | $ 305,000 | $ 65,000 |
| Hillsdale County Michigan | 1 | $ 135,000 | $ 135,000 | $ 204,000 |
| Macomb County Michigan | 1 | $ 10,255,000 | $ 10,255,000 | $ 0 |
| Ottawa County Michigan | 1 | $ 275,000 | $ 275,000 | $ 68,000 |
| Albany County New York | 1 | $ 185,000 | $ 185,000 | $ 57,000 |
| Brunswick County North Carolina | 1 | $ 435,000 | $ 435,000 | $ 259,000 |
| Ashtabula County Ohio | 1 | $ 845,000 | $ 845,000 | $ 0 |
| Clinton County Ohio | 1 | $ 25,000 | $ 25,000 | $ 68,000 |
| Darke County Ohio | 1 | $ 285,000 | $ 285,000 | $ 296,000 |
| Fulton County Ohio | 1 | $ 135,000 | $ 135,000 | $ 47,000 |
| Hocking County Ohio | 1 | $ 145,000 | $ 145,000 | $ 146,000 |
| Holmes County Ohio | 1 | $ 225,000 | $ 225,000 | $ 280,000 |
| Jackson County Ohio | 1 | $ 145,000 | $ 145,000 | $ 87,000 |
| Mahoning County Ohio | 1 | $ 65,000 | $ 65,000 | $ 15,000 |
| Paulding County Ohio | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Pike County Ohio | 1 | $ 85,000 | $ 85,000 | $ 30,000 |
| Preble County Ohio | 1 | $ 55,000 | $ 55,000 | $ 116,000 |
| Seneca County Ohio | 1 | $ 155,000 | $ 155,000 | $ 80,000 |
| Tuscarawas County Ohio | 1 | $ 75,000 | $ 75,000 | $ 79,000 |
| Van Wert County Ohio | 1 | $ 25,000 | $ 25,000 | $ 75,000 |
| Westmoreland County Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 90,000 |
| Beaufort County South Carolina | 1 | $ 1,085,000 | $ 1,085,000 | $ 0 |
| Dorchester County South Carolina | 1 | $ 315,000 | $ 315,000 | $ 71,000 |
| Sevier County Tennessee | 1 | $ 615,000 | $ 615,000 | $ 126,000 |
| Shelby County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 93,000 |
| Harris County Texas | 1 | $ 455,000 | $ 455,000 | $ 751,000 |
| Rockwall County Texas | 1 | $ 295,000 | $ 295,000 | $ 201,000 |
| Tarrant County Texas | 1 | $ 105,000 | $ 105,000 | $ 34,000 |
| Fairfax County Virginia | 1 | $ 2,305,000 | $ 2,305,000 | $ 526,000 |
| Hancock County West Virginia | 1 | $ 105,000 | $ 105,000 | $ 79,000 |
Mortgage Loan Application Detail Totals for Civista Bank in 2022
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 |
|---|---|---|---|---|---|---|
| Other Purpose | 1,121 | $121,265,000 | $108,000 | $755,000 | $118,000 | $1,134,000 |
| Home Purchase | 1,049 | $341,025,000 | $325,000 | $12,205,000 | $122,000 | $2,251,000 |
| Cash-out Refinancing | 288 | $58,980,000 | $204,000 | $5,695,000 | $122,000 | $1,577,000 |
| Refinancing | 165 | $38,495,000 | $233,000 | $3,145,000 | $136,000 | $3,546,000 |
| Home Improvement | 19 | $6,845,000 | $360,000 | $905,000 | $173,000 | $785,000 |
| 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 | 1,743 | $322,755,000 | $185,000 | $2,005,000 | $119,000 | $3,546,000 |
| Not Provided | 639 | $92,345,000 | $144,000 | $2,305,000 | $129,000 | $2,251,000 |
| Not applicable | 114 | $126,590,000 | $1,110,000 | $12,205,000 | $0 | $0 |
| Black or African American | 75 | $12,125,000 | $161,000 | $985,000 | $113,000 | $676,000 |
| Hispanic | 34 | $4,200,000 | $123,000 | $525,000 | $93,000 | $258,000 |
| Asian | 31 | $7,975,000 | $257,000 | $1,305,000 | $168,000 | $575,000 |
| American Indian or Alaskan Native | 3 | $275,000 | $91,000 | $135,000 | $53,000 | $55,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $85,000 | $85,000 | $85,000 | $74,000 | $74,000 |
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) | 2,563 | $550,685,000 | $214,000 | $12,205,000 | $123,000 | $3,546,000 |
| FHA-insured (Federal Housing Administration) | 60 | $11,490,000 | $191,000 | $405,000 | $78,000 | $176,000 |
| VA-guaranteed (Veterans Administration) | 10 | $2,940,000 | $294,000 | $515,000 | $81,000 | $135,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,495,000 | $166,000 | $245,000 | $59,000 | $78,000 |
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 | 2,036 | $428,300,000 | $210,000 | $10,565,000 | $124,000 | $2,251,000 |
| Application Denied By Financial Institution | 233 | $30,865,000 | $132,000 | $5,695,000 | $72,000 | $321,000 |
| Application Withdrawn By Applicant | 198 | $71,430,000 | $360,000 | $12,205,000 | $147,000 | $3,546,000 |
| Application Approved But Not Accepted | 127 | $24,695,000 | $194,000 | $2,055,000 | $141,000 | $692,000 |
| File Closed For Incompleteness | 29 | $8,345,000 | $287,000 | $855,000 | $120,000 | $285,000 |
| Preapproval Approved but not Accepted | 12 | $1,560,000 | $130,000 | $195,000 | $58,000 | $108,000 |
| Preapproval Denied by Financial Institution | 7 | $1,415,000 | $202,000 | $555,000 | $36,000 | $52,000 |
| Loan Purchased By The Institution | 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 | 2,402 | $534,330,000 | $222,000 | $12,205,000 | $127,000 | $3,546,000 |
| Debt-To-Income Ratio | 122 | $13,110,000 | $107,000 | $1,085,000 | $57,000 | $321,000 |
| Credit History | 59 | $7,105,000 | $120,000 | $1,255,000 | $75,000 | $286,000 |
| Collateral | 39 | $3,815,000 | $97,000 | $385,000 | $108,000 | $282,000 |
| Other | 8 | $6,770,000 | $846,000 | $5,695,000 | $115,000 | $260,000 |
| Employment History | 5 | $745,000 | $149,000 | $265,000 | $40,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $490,000 | $122,000 | $235,000 | $71,000 | $152,000 |
| Credit Application Incomplete | 2 | $210,000 | $105,000 | $165,000 | $70,000 | $93,000 |
| Unverifiable Information | 1 | $35,000 | $35,000 | $35,000 | $72,000 | $72,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Civista Bank's 2022 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.