Lender profile · HMDA 2023–2025
Civista Bank mortgage approval rates & lending data
Civista Bank decided 2,002 mortgage applications and funded 1,719 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 1,165 / 1,223 | 96% | $325K | 1,120 |
| Home improvement loans | 76% | 164 / 216 | 93% | $115K | 153 |
| Cash-out refinance | 80% | 104 / 130 | 88% | $205K | 91 |
| Refinance | 81% | 109 / 134 | 97% | $265K | 106 |
| Investment property purchase | 90% | 154 / 171 | 97% | $135K | 149 |
| Investment cash-out refinance | 80% | 69 / 86 | 93% | $85K | 64 |
| Investment refinance | 92% | 34 / 37 | 97% | $145K | 33 |
Civista Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 90% | $325K | 1,749 | 1,494 |
| Kentucky | 92% | $275K | 76 | 67 |
| Michigan | 94% | $415K | 70 | 64 |
| Indiana | 91% | $225K | 32 | 29 |
| Florida | 92% | $495K | 25 | 22 |
| Pennsylvania | 100% | $485K | 16 | 15 |
| South Carolina | 78% | $235K | 9 | 7 |
| North Carolina | 80% | $365K | 5 | 4 |
| Arizona | 100% | $225K | 3 | 3 |
| Virginia | 100% | $305K | 3 | 3 |
| California | 50% | $595K | 2 | 1 |
| Illinois | 50% | $375K | 2 | 1 |
| Texas | 50% | $155K | 2 | 1 |
| Alabama | 100% | $135K | 1 | 1 |
| Colorado | 100% | $215K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.