Civista Bank Mortgage Rates, Fees & Info

Sandusky, OH

LEI: 549300H8JJI69WD7I525

Tax ID: 34-4204840

5 stars - Updated: 6/17/24 - out of 5 stars, based on 37 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Civista Bank is a smaller bank specializing in Home Purchase loans. Civista Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Cincinnati, Columbus, Sandusky, Cleveland, and Toledo among others. We have data for 53 markets. (Some data included below & more in-depth data is available with an active subscription.)

Civista Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Civista Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.27% 6/17/24
30 Year Conventional Purchase 6.33% 6/17/24
30 Year Conventional Refi 6.23% 6/17/24
30 Year Cash-out Refi 6.44% 6/17/24
30 Year FHA Purchase 6.91% 6/17/24
30 Year FHA Refi 7.00% 6/17/24
30 Year VA Purchase 5.99% 6/17/24
30 Year VA Refi 6.27% 6/17/24
30 Year USDA Purchase 6.70% 6/17/24
30 Year USDA Refi 6.27% 6/17/24
15 Year Conventional Purchase 5.95% 6/17/24
15 Year Conventional Refi 6.00% 6/17/24
15 Year Cash-out Refi 6.00% 6/17/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Civista Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Civista Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,364

Origination Dollar Volume (All Markets)

$309,400,000
Show all (16) awards

Relative Rate

Civista Bank's average 30 year fixed mortgage rate was 6.42%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of -0.06%.

Relative Fees (Closing Costs)

Civista Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $4,040.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 317 $74,165,000 $233,959 $3,577 7.34%
COLUMBUS, OH (FHA|USDA|VA) 186 $73,760,000 $396,559 $4,763 6.92%
Sandusky, OH (FHA|USDA|VA) 258 $37,740,000 $146,279 $3,723 7.27%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 118 $30,980,000 $262,542 $4,412 6.89%
Outside of Metro Areas 150 $25,830,000 $172,200 $3,785 7.44%
TOLEDO, OH (FHA|USDA|VA) 57 $18,745,000 $328,860 $4,546 7.01%
AKRON, OH (FHA|USDA|VA) 38 $11,960,000 $314,737 $3,595 6.99%
Norwalk, OH (FHA|USDA|VA) 58 $6,930,000 $119,483 $3,924 7.81%
DAYTON-KETTERING, OH (FHA|USDA|VA) 28 $6,500,000 $232,143 $3,729 6.98%
Urbana, OH (FHA|USDA|VA) 20 $2,310,000 $115,500 $4,147 7.75%
MANSFIELD, OH (FHA|USDA|VA) 23 $2,145,000 $93,261 $3,111 7.64%
Bellefontaine, OH (FHA|USDA|VA) 13 $2,035,000 $156,538 $4,604 7.98%
Fremont, OH (FHA|USDA|VA) 12 $1,570,000 $130,833 $3,379 6.96%
Greensburg, IN (FHA|USDA|VA) 5 $1,105,000 $221,000 $2,177 6.95%
Defiance, OH (FHA|USDA|VA) 4 $990,000 $247,500 $4,541 7.41%
Bucyrus-Galion, OH (FHA|USDA|VA) 9 $885,000 $98,333 $3,154 7.78%
Marion, OH (FHA|USDA|VA) 4 $830,000 $207,500 $3,177 6.59%
Ashland, OH (FHA|USDA|VA) 5 $815,000 $163,000 $4,533 7.30%
MONROE, MI (FHA|USDA|VA) 3 $785,000 $261,667 $4,765 7.21%
Tiffin, OH (FHA|USDA|VA) 8 $750,000 $93,750 $4,101 7.27%
Mount Vernon, OH (FHA|USDA|VA) 1 $675,000 $675,000 $4,003 5.63%
SPRINGFIELD, OH (FHA|USDA|VA) 5 $635,000 $127,000 $4,257 7.68%
CANTON-MASSILLON, OH (FHA|USDA|VA) 5 $585,000 $117,000 $3,223 7.10%
Van Wert, OH (FHA|USDA|VA) 2 $540,000 $270,000 $5,293 7.50%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 5 $535,000 $107,000 $3,813 6.57%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $375,000 $375,000 $3,401 6.75%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $365,000 $365,000 $14,934 6.63%
Wooster, OH (FHA|USDA|VA) 1 $355,000 $355,000 $4,923 5.13%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $335,000 $335,000 $6,391 6.13%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $305,000 $305,000 $7,985 7.50%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $295,000 $295,000 $9,945 6.13%
COLUMBIA, SC (FHA|USDA|VA) 1 $285,000 $285,000 $3,258 7.75%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $275,000 $275,000 $3,178 5.13%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $245,000 $245,000 $2,672 5.12%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $240,000 $120,000 $2,521 7.19%
Greenville, OH (FHA|USDA|VA) 1 $235,000 $235,000 $0 7.25%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $215,000 $215,000 $6,907 6.38%
Findlay, OH (FHA|USDA|VA) 1 $215,000 $215,000 $0 6.95%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $205,000 $205,000 $6,503 5.75%
LOUISVILLE, KY (FHA|USDA|VA) 1 $195,000 $195,000 $6,467 7.25%
Hillsdale, MI (FHA|USDA|VA) 1 $195,000 $195,000 $3,103 5.88%
Washington Court House, OH (FHA|USDA|VA) 1 $185,000 $185,000 $4,232 6.38%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $180,000 $90,000 $3,389 6.31%
DOTHAN, AL (FHA|USDA|VA) 1 $135,000 $135,000 $4,533 5.88%
Vincennes, IN (FHA|USDA|VA) 1 $135,000 $135,000 $1,760 6.25%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $125,000 $125,000 $0 8.75%
LIMA, OH (FHA|USDA|VA) 1 $115,000 $115,000 $3,244 6.38%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $105,000 $105,000 $5,471 7.63%
MUNCIE, IN (FHA|USDA|VA) 1 $105,000 $105,000 $2,657 6.50%
Cadillac, MI (FHA|USDA|VA) 1 $95,000 $95,000 $2,399 6.50%
Ashtabula, OH (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.75%
Connersville, IN (FHA|USDA|VA) 1 $25,000 $25,000 $2,063 5.63%
North Vernon, IN (FHA|USDA|VA) 1 $15,000 $15,000 $0 9.00%
Civista Bank's top markets include Cincinnati, Columbus, Sandusky, Cleveland, and Toledo among others.

Their top states include:
  • Ohio (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against Civista Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    FIRESTONE
    Similarity Rank: 9
    Mechanics Bank
    Similarity Rank: 30
    First National Bank of Bellevue
    Similarity Rank: 48
    GLASS CITY Federal Credit Union
    Similarity Rank: 123
    The Community Bank
    Similarity Rank: 216
    SUN Federal Credit Union
    Similarity Rank: 246
    Minster Bank
    Similarity Rank: 324

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 758 $240,870,000 $317,770 $3,826 6.47%
    HELOC 564 $59,800,000 $106,028 n/a 8.29%
    FHA 36 $7,200,000 $200,000 $7,191 6.56%
    VA 5 $1,345,000 $269,000 $8,855 6.53%
    USDA 1 $185,000 $185,000 $5,406 6.50%

    For 2023, Civista Bank's most frequently originated type of loan was Conventional, with 758 originations. Their 2nd most popular type was HELOC, with 564 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 657 $220,455,000 $335,548 $4,144 6.47%
    Other 564 $59,800,000 $106,028 $0 8.29%
    Cash Out Refi 114 $22,860,000 $200,526 $3,349 6.51%
    Refi 25 $4,435,000 $177,400 $3,299 6.40%
    Home Improvement 4 $1,850,000 $462,500 $5,576 5.94%

    For 2023, Civista Bank's most frequently cited loan purpose was Home Purchase, with 657 originations. The 2nd most popular reason was Other, with 564 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 708 $201,950,000 $285,240 $4,040 6.42%
    15 Year 573 $61,205,000 $106,815 $3,856 8.26%
    10 Year 44 $23,410,000 $532,045 $3,025 7.10%
    5 Year 19 $15,025,000 $790,789 $0 7.12%
    20 Year 11 $1,685,000 $153,182 $3,221 6.39%
    Other 4 $4,940,000 $1,235,000 $0 7.24%
    1 Year 3 $425,000 $141,667 $0 7.75%
    30+ year 1 $655,000 $655,000 $5,178 5.13%
    3 Year 1 $105,000 $105,000 $0 6.50%

    For 2023, Civista Bank's most frequently cited loan duration was 30 Year, with 708 originations. The 2nd most popular length was 15 Year, with 573 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 536 $174,920,000 $326,343
    $1k-2k 142 $19,350,000 $136,268
    $2k-3k 25 $4,445,000 $177,800
    $3k-4k 8 $1,330,000 $166,250
    $5k+ 8 $2,590,000 $323,750
    $4k-5k 6 $2,250,000 $375,000

    Civista Bank's average total fees were $4,040, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 536 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 463 $123,295,000 $266,296
    Over 8% 357 $36,455,000 $102,115
    7-8% 314 $55,410,000 $176,465
    5-6% 213 $85,725,000 $402,465
    4-5% 17 $8,515,000 $500,882

    During 2023, Civista Bank's average interest rate for loans was 6.42%, while their most frequently originated rate bucket for loans was 6-7%, with 463 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 499 $26,615,000 $53,337 $3,199 7.92%
    $100k-200k 396 $55,910,000 $141,187 $3,461 7.10%
    $200k-400k 290 $79,130,000 $272,862 $4,393 6.77%
    $400k-600k 87 $41,485,000 $476,839 $4,375 6.29%
    $600k-1MM 57 $42,945,000 $753,421 $5,518 6.26%
    $1MM+ 35 $63,315,000 $1,809,000 $7,264 6.34%

    2023 saw Civista Bank place emphasis on $100,000 or less loans with 499 originations, totaling $26,615,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 261 $29,755,000 $114,004 $3,650 7.38%
    $100k-150k 236 $45,690,000 $193,602 $4,108 7.29%
    $150k-250k 218 $57,780,000 $265,046 $4,336 7.14%
    $50k or less 204 $16,770,000 $82,206 $3,148 7.41%
    $75k-100k 180 $26,140,000 $145,222 $3,918 7.25%
    $250k+ 163 $84,315,000 $517,270 $5,036 6.63%

    Civista Bank lent most frequently to those with incomes in the $50k-75k range, with 261 originations. The second most popular income band? $100k-150k, with 236 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 352 $61,180,000 $173,807 $3,798 7.33%
    30-36% 251 $47,185,000 $187,988 $4,029 7.38%
    <20% 241 $37,695,000 $156,411 $3,478 7.63%
    38% 42 $9,000,000 $214,286 $4,040 7.12%
    37% 41 $9,785,000 $238,659 $5,249 7.40%
    47% 38 $10,960,000 $288,421 $4,665 6.37%
    49% 36 $8,240,000 $228,889 $4,168 6.84%
    42% 35 $9,505,000 $271,571 $3,894 6.74%
    44% 34 $10,800,000 $317,647 $3,976 6.73%
    36% 34 $7,210,000 $212,059 $4,089 7.24%
    39% 29 $8,205,000 $282,931 $4,549 7.25%
    45% 29 $7,655,000 $263,966 $4,010 6.46%
    40% 27 $9,105,000 $337,222 $4,338 7.00%
    43% 26 $7,050,000 $271,154 $3,894 6.54%
    41% 25 $7,785,000 $311,400 $3,834 6.67%
    46% 24 $6,960,000 $290,000 $4,156 6.75%
    48% 23 $6,065,000 $263,696 $4,162 6.39%
    50-60% 2 $300,000 $150,000 $5,746 6.69%

    Civista Bank lent most frequently to those with DTI ratios of 20-30%, with 352 originations. The next most common DTI ratio? 30-36%, with 251 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 853 $188,915,000 $221,471 $4,005 6.99%
    Not provided 374 $56,720,000 $151,658 $4,210 7.85%
    Not applicable 69 $44,005,000 $637,754 $0 7.09%
    Asian 32 $12,770,000 $399,063 $4,376 6.62%
    Black 30 $5,590,000 $186,333 $3,773 7.11%
    American Indian 4 $830,000 $207,500 $3,541 6.66%
    Other Asian 1 $355,000 $355,000 $3,987 6.62%
    Native Hawaiian or Islander 1 $215,000 $215,000 $3,105 6.88%

    Approval Rates

    Total approvals of all applications
    88.30%

    Civista Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    82.55%

    Civista Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,364 $309,400,000 $226,833

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,364 $309,400,000 $226,833

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 265 $29,765,000 $112,321 $3,497 7.99%
    40-60% 154 $40,860,000 $265,325 $3,729 7.18%
    60-80% 347 $107,015,000 $308,401 $3,756 6.69%
    80-100% 396 $122,330,000 $308,914 $4,297 6.62%
    Over 100% 3 $845,000 $281,667 $11,520 6.83%
    Under 20% 199 $8,585,000 $43,141 $2,677 8.38%