Civista Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Civista Bank 2023 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 | 1,854 |
| Total Mortgage Loan Application Amount | $438,690,000 |
| Average Mortgage Loan Application Amount | $314,800 |
| Highest Mortgage Loan Application Amount | $17,185,000 |
| Average Applicant Income | $139,200 |
| Highest Applicant Income | $2,510,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 338 | $ 46,100,000 | $ 136,000 | $ 118,000 |
| Dearborn County Indiana | 244 | $ 39,630,000 | $ 162,000 | $ 103,000 |
| Franklin County Ohio | 155 | $ 54,495,000 | $ 351,000 | $ 187,000 |
| Cuyahoga County Ohio | 107 | $ 27,425,000 | $ 256,000 | $ 213,000 |
| Huron County Ohio | 90 | $ 8,760,000 | $ 97,000 | $ 85,000 |
| Ripley County Indiana | 80 | $ 7,510,000 | $ 93,000 | $ 73,000 |
| Henry County Ohio | 76 | $ 7,980,000 | $ 105,000 | $ 92,000 |
| Delaware County Ohio | 47 | $ 25,265,000 | $ 537,000 | $ 275,000 |
| Summit County Ohio | 45 | $ 14,985,000 | $ 333,000 | $ 164,000 |
| Hamilton County Ohio | 42 | $ 42,420,000 | $ 1,010,000 | $ 99,000 |
| Lorain County Ohio | 34 | $ 6,050,000 | $ 177,000 | $ 125,000 |
| Richland County Ohio | 34 | $ 3,340,000 | $ 98,000 | $ 76,000 |
| Montgomery County Ohio | 28 | $ 6,240,000 | $ 222,000 | $ 181,000 |
| Wood County Ohio | 27 | $ 6,375,000 | $ 236,000 | $ 153,000 |
| Butler County Ohio | 24 | $ 5,070,000 | $ 211,000 | $ 132,000 |
| Champaign County Ohio | 24 | $ 2,960,000 | $ 123,000 | $ 132,000 |
| Ottawa County Ohio | 23 | $ 6,425,000 | $ 279,000 | $ 186,000 |
| Warren County Ohio | 22 | $ 7,330,000 | $ 333,000 | $ 187,000 |
| Logan County Ohio | 21 | $ 2,775,000 | $ 132,000 | $ 77,000 |
| Ohio County Indiana | 18 | $ 2,190,000 | $ 121,000 | $ 86,000 |
| Sandusky County Ohio | 18 | $ 2,510,000 | $ 139,000 | $ 67,000 |
| Union County Ohio | 18 | $ 5,960,000 | $ 331,000 | $ 155,000 |
| Licking County Ohio | 17 | $ 3,605,000 | $ 212,000 | $ 149,000 |
| Lucas County Ohio | 17 | $ 8,195,000 | $ 482,000 | $ 167,000 |
| Kenton County Kentucky | 15 | $ 1,975,000 | $ 131,000 | $ 99,000 |
| Crawford County Ohio | 12 | $ 1,050,000 | $ 87,000 | $ 78,000 |
| Lake County Ohio | 12 | $ 1,890,000 | $ 157,000 | $ 411,000 |
| Campbell County Kentucky | 11 | $ 3,465,000 | $ 315,000 | $ 109,000 |
| Boone County Kentucky | 10 | $ 1,540,000 | $ 154,000 | $ 85,000 |
| Clark County Ohio | 9 | $ 1,065,000 | $ 118,000 | $ 111,000 |
| Geauga County Ohio | 9 | $ 2,385,000 | $ 265,000 | $ 142,000 |
| Greene County Ohio | 9 | $ 2,065,000 | $ 229,000 | $ 183,000 |
| Defiance County Ohio | 8 | $ 4,020,000 | $ 502,000 | $ 115,000 |
| Fairfield County Ohio | 8 | $ 1,940,000 | $ 242,000 | $ 149,000 |
| Seneca County Ohio | 8 | $ 750,000 | $ 93,000 | $ 78,000 |
| Fulton County Ohio | 7 | $ 1,485,000 | $ 212,000 | $ 83,000 |
| Medina County Ohio | 7 | $ 1,055,000 | $ 150,000 | $ 122,000 |
| Decatur County Indiana | 6 | $ 1,620,000 | $ 270,000 | $ 136,000 |
| Ashland County Ohio | 6 | $ 840,000 | $ 140,000 | $ 136,000 |
| Madison County Ohio | 6 | $ 1,660,000 | $ 276,000 | $ 121,000 |
| Stark County Ohio | 6 | $ 750,000 | $ 125,000 | $ 48,000 |
| Horry County South Carolina | 6 | $ 1,240,000 | $ 206,000 | $ 177,000 |
| Clermont County Ohio | 5 | $ 1,085,000 | $ 217,000 | $ 99,000 |
| Marion County Ohio | 5 | $ 995,000 | $ 199,000 | $ 82,000 |
| Putnam County Ohio | 5 | $ 345,000 | $ 69,000 | $ 78,000 |
| Franklin County Indiana | 4 | $ 780,000 | $ 195,000 | $ 125,000 |
| Portage County Ohio | 4 | $ 280,000 | $ 70,000 | $ 77,000 |
| Trumbull County Ohio | 4 | $ 320,000 | $ 80,000 | $ 164,000 |
| Hendricks County Indiana | 3 | $ 765,000 | $ 255,000 | $ 77,000 |
| Monroe County Michigan | 3 | $ 785,000 | $ 261,000 | $ 99,000 |
| Hancock County Ohio | 3 | $ 265,000 | $ 88,000 | $ 29,000 |
| Pickaway County Ohio | 3 | $ 1,445,000 | $ 481,000 | $ 135,000 |
| Broward County Florida | 2 | $ 960,000 | $ 480,000 | $ 425,000 |
| Delaware County Indiana | 2 | $ 230,000 | $ 115,000 | $ 192,000 |
| Jennings County Indiana | 2 | $ 280,000 | $ 140,000 | $ 100,000 |
| Marion County Indiana | 2 | $ 190,000 | $ 95,000 | $ 55,000 |
| Switzerland County Indiana | 2 | $ 510,000 | $ 255,000 | $ 91,000 |
| Wayne County Michigan | 2 | $ 230,000 | $ 115,000 | $ 131,000 |
| Hardin County Ohio | 2 | $ 340,000 | $ 170,000 | $ 72,000 |
| Jefferson County Ohio | 2 | $ 290,000 | $ 145,000 | $ 130,000 |
| Morrow County Ohio | 2 | $ 600,000 | $ 300,000 | $ 130,000 |
| Van Wert County Ohio | 2 | $ 540,000 | $ 270,000 | $ 119,000 |
| Williams County Ohio | 2 | $ 4,340,000 | $ 2,170,000 | $ 0 |
| Houston County Alabama | 1 | $ 135,000 | $ 135,000 | $ 101,000 |
| Arapahoe County Colorado | 1 | $ 215,000 | $ 215,000 | $ 213,000 |
| Pinellas County Florida | 1 | $ 305,000 | $ 305,000 | $ 403,000 |
| Polk County Florida | 1 | $ 295,000 | $ 295,000 | $ 110,000 |
| McHenry County Illinois | 1 | $ 375,000 | $ 375,000 | $ 115,000 |
| Williamson County Illinois | 1 | $ 245,000 | $ 245,000 | $ 365,000 |
| Fayette County Indiana | 1 | $ 25,000 | $ 25,000 | $ 14,000 |
| Knox County Indiana | 1 | $ 135,000 | $ 135,000 | $ 37,000 |
| Rush County Indiana | 1 | $ 85,000 | $ 85,000 | $ 54,000 |
| Scott County Indiana | 1 | $ 105,000 | $ 105,000 | $ 31,000 |
| Steuben County Indiana | 1 | $ 205,000 | $ 205,000 | $ 222,000 |
| Bourbon County Kentucky | 1 | $ 205,000 | $ 205,000 | $ 49,000 |
| Grant County Kentucky | 1 | $ 3,405,000 | $ 3,405,000 | $ 0 |
| Menifee County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 32,000 |
| Oldham County Kentucky | 1 | $ 195,000 | $ 195,000 | $ 81,000 |
| Pulaski County Kentucky | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Branch County Michigan | 1 | $ 15,000 | $ 15,000 | $ 157,000 |
| Eaton County Michigan | 1 | $ 17,185,000 | $ 17,185,000 | $ 0 |
| Hillsdale County Michigan | 1 | $ 195,000 | $ 195,000 | $ 224,000 |
| Iosco County Michigan | 1 | $ 115,000 | $ 115,000 | $ 83,000 |
| Otsego County Michigan | 1 | $ 215,000 | $ 215,000 | $ 120,000 |
| Wexford County Michigan | 1 | $ 95,000 | $ 95,000 | $ 129,000 |
| Cape May County New Jersey | 1 | $ 425,000 | $ 425,000 | $ 88,000 |
| Harnett County North Carolina | 1 | $ 365,000 | $ 365,000 | $ 187,000 |
| Mecklenburg County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 148,000 |
| Allen County Ohio | 1 | $ 115,000 | $ 115,000 | $ 152,000 |
| Ashtabula County Ohio | 1 | $ 45,000 | $ 45,000 | $ 24,000 |
| Athens County Ohio | 1 | $ 335,000 | $ 335,000 | $ 97,000 |
| Carroll County Ohio | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Clinton County Ohio | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| Darke County Ohio | 1 | $ 235,000 | $ 235,000 | $ 371,000 |
| Fayette County Ohio | 1 | $ 185,000 | $ 185,000 | $ 95,000 |
| Knox County Ohio | 1 | $ 675,000 | $ 675,000 | $ 274,000 |
| Lawrence County Ohio | 1 | $ 275,000 | $ 275,000 | $ 147,000 |
| Mahoning County Ohio | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Meigs County Ohio | 1 | $ 65,000 | $ 65,000 | $ 96,000 |
| Miami County Ohio | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Paulding County Ohio | 1 | $ 665,000 | $ 665,000 | $ 0 |
| Perry County Ohio | 1 | $ 215,000 | $ 215,000 | $ 62,000 |
| Preble County Ohio | 1 | $ 365,000 | $ 365,000 | $ 75,000 |
| Ross County Ohio | 1 | $ 95,000 | $ 95,000 | $ 45,000 |
| Tuscarawas County Ohio | 1 | $ 15,000 | $ 15,000 | $ 14,000 |
| Vinton County Ohio | 1 | $ 25,000 | $ 25,000 | $ 56,000 |
| Wayne County Ohio | 1 | $ 355,000 | $ 355,000 | $ 300,000 |
| Lawrence County Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Georgetown County South Carolina | 1 | $ 205,000 | $ 205,000 | $ 113,000 |
| Lexington County South Carolina | 1 | $ 285,000 | $ 285,000 | $ 129,000 |
| Collin County Texas | 1 | $ 335,000 | $ 335,000 | $ 89,000 |
Mortgage Loan Application Detail Totals for Civista Bank in 2023
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 | 823 | $294,085,000 | $357,000 | $6,965,000 | $149,000 | $2,510,000 |
| Other Purpose | 791 | $79,005,000 | $99,000 | $755,000 | $115,000 | $1,743,000 |
| Cash-out Refinancing | 182 | $35,170,000 | $193,000 | $3,525,000 | $137,000 | $1,284,000 |
| Refinancing | 47 | $26,435,000 | $562,000 | $17,185,000 | $122,000 | $468,000 |
| Home Improvement | 11 | $3,995,000 | $363,000 | $655,000 | $173,000 | $251,000 |
| 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 | 1,123 | $233,725,000 | $208,000 | $2,625,000 | $126,000 | $1,720,000 |
| Not Provided | 513 | $73,715,000 | $143,000 | $2,465,000 | $142,000 | $2,510,000 |
| Not applicable | 100 | $102,120,000 | $1,021,000 | $17,185,000 | $0 | $0 |
| Black or African American | 50 | $10,150,000 | $203,000 | $1,085,000 | $117,000 | $1,068,000 |
| Asian | 35 | $14,395,000 | $411,000 | $1,505,000 | $214,000 | $827,000 |
| Hispanic | 25 | $3,065,000 | $122,000 | $465,000 | $134,000 | $283,000 |
| American Indian or Alaskan Native | 6 | $950,000 | $158,000 | $355,000 | $91,000 | $229,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $215,000 | $215,000 | $215,000 | $98,000 | $98,000 |
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) | 1,788 | $425,630,000 | $238,000 | $17,185,000 | $135,000 | $2,510,000 |
| FHA-insured (Federal Housing Administration) | 54 | $10,070,000 | $186,000 | $335,000 | $72,000 | $152,000 |
| VA-guaranteed (Veterans Administration) | 9 | $2,445,000 | $271,000 | $365,000 | $100,000 | $187,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $545,000 | $181,000 | $215,000 | $63,000 | $79,000 |
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 | 1,364 | $309,400,000 | $226,000 | $5,605,000 | $143,000 | $2,510,000 |
| Application Denied By Financial Institution | 217 | $24,445,000 | $112,000 | $895,000 | $75,000 | $502,000 |
| Application Withdrawn By Applicant | 143 | $53,815,000 | $376,000 | $6,965,000 | $147,000 | $1,284,000 |
| Application Approved But Not Accepted | 95 | $42,835,000 | $450,000 | $17,185,000 | $109,000 | $390,000 |
| File Closed For Incompleteness | 30 | $7,170,000 | $239,000 | $1,085,000 | $107,000 | $325,000 |
| Preapproval Denied by Financial Institution | 3 | $435,000 | $145,000 | $225,000 | $56,000 | $155,000 |
| Preapproval Approved but not Accepted | 2 | $590,000 | $295,000 | $505,000 | $238,000 | $427,000 |
| 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 | 1,634 | $413,810,000 | $253,000 | $17,185,000 | $141,000 | $2,510,000 |
| Debt-To-Income Ratio | 138 | $15,790,000 | $114,000 | $715,000 | $61,000 | $208,000 |
| Credit History | 36 | $3,120,000 | $86,000 | $345,000 | $77,000 | $173,000 |
| Collateral | 28 | $3,570,000 | $127,000 | $895,000 | $127,000 | $502,000 |
| Other | 15 | $1,515,000 | $101,000 | $535,000 | $75,000 | $271,000 |
| Credit Application Incomplete | 1 | $505,000 | $505,000 | $505,000 | $230,000 | $230,000 |
| Employment History | 1 | $115,000 | $115,000 | $115,000 | $52,000 | $52,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $265,000 | $265,000 | $265,000 | $262,000 | $262,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Civista Bank's 2023 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.