Civista Bank Mortgage Lending & HMDA Data, 2022
In 2022, Civista Bank of Sandusky, OH reported 2,642 mortgage applications totaling $566.6 million, down 17% from 2021. The average application was for $214,462, and applicants reported an average income of $121,543. 77% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Cincinnati, OH-KY-IN (543), Columbus, OH (422) and Cleveland-Elyria, OH (253) (applications in parentheses).
| Mortgage Company & Address | Civista Bank 100 East Water St Sandusky, OH 44870 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 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 | $214,462 |
| Highest Mortgage Loan Application Amount | $12,205,000 |
| Average Applicant Income | $121,543 |
| Highest Applicant Income | $3,546,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Civista Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 987 | $ 130,225,000 | $ 131,940 | $ 93,674 |
| Cincinnati, OH-KY-IN | 543 | $ 99,865,000 | $ 183,913 | $ 107,554 |
| Columbus, OH | 422 | $ 113,780,000 | $ 269,620 | $ 142,000 |
| Cleveland-Elyria, OH | 253 | $ 70,915,000 | $ 280,296 | $ 185,000 |
| Toledo, OH | 110 | $ 30,620,000 | $ 278,363 | $ 189,000 |
| Akron, OH | 85 | $ 32,235,000 | $ 379,235 | $ 147,000 |
| Mansfield, OH | 61 | $ 5,885,000 | $ 96,475 | $ 71,000 |
| Dayton-Springfield-Kettering, OH | 52 | $ 9,990,000 | $ 192,115 | $ 174,000 |
| Springfield, OH | 13 | $ 955,000 | $ 73,461 | $ 114,000 |
| Indianapolis-Carmel-Anderson, IN | 10 | $ 2,530,000 | $ 253,000 | $ 140,000 |
| Canton-Massillon, OH | 8 | $ 6,990,000 | $ 873,750 | $ 107,000 |
| Lafayette-West Lafayette, IN | 3 | $ 895,000 | $ 298,333 | $ 178,000 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 185,000 | $ 61,666 | $ 76,000 |
| Carbondale-Marion, IL | 2 | $ 470,000 | $ 235,000 | $ 800,000 |
| Lakeland-Winter Haven, FL | 2 | $ 600,000 | $ 300,000 | $ 110,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 730,000 | $ 365,000 | $ 167,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 760,000 | $ 380,000 | $ 207,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 1,170,000 | $ 585,000 | $ 238,000 |
| Punta Gorda, FL | 2 | $ 630,000 | $ 315,000 | $ 200,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 550,000 | $ 275,000 | $ 233,000 |
| The Villages, FL | 2 | $ 310,000 | $ 155,000 | $ 119,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 185,000 | $ 185,000 | $ 57,000 |
| Bloomington, IN | 1 | $ 125,000 | $ 125,000 | $ 112,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 885,000 | $ 885,000 | $ 350,000 |
| Charleston-North Charleston, SC | 1 | $ 315,000 | $ 315,000 | $ 71,000 |
| Dallas-Plano-Irving, TX | 1 | $ 295,000 | $ 295,000 | $ 201,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Denver-Aurora-Lakewood, CO | 1 | $ 415,000 | $ 415,000 | $ 140,000 |
| Fort Worth-Arlington, TX | 1 | $ 105,000 | $ 105,000 | $ 34,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 275,000 | $ 275,000 | $ 68,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 1,085,000 | $ 1,085,000 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 455,000 | $ 455,000 | $ 751,000 |
| Kansas City, MO-KS | 1 | $ 155,000 | $ 155,000 | $ 96,000 |
| Lexington-Fayette, KY | 1 | $ 155,000 | $ 155,000 | $ 103,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 305,000 | $ 305,000 | $ 65,000 |
| Memphis, TN-MS-AR | 1 | $ 75,000 | $ 75,000 | $ 93,000 |
| Muncie, IN | 1 | $ 85,000 | $ 85,000 | $ 176,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 435,000 | $ 435,000 | $ 259,000 |
| New Haven-Milford, CT | 1 | $ 755,000 | $ 755,000 | $ 260,000 |
| Pittsburgh, PA | 1 | $ 205,000 | $ 205,000 | $ 90,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 10,255,000 | $ 10,255,000 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 2,305,000 | $ 2,305,000 | $ 526,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 105,000 | $ 105,000 | $ 79,000 |
| Wilmington, DE-MD-NJ | 1 | $ 55,000 | $ 55,000 | $ 86,000 |
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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