Purchase Originations
669
Ranked #517 nationally
Median Total Costs
$4,262
−36.2% vs national ($6,680)
↑ $396 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$950
Median Lender Credits
$286
Cost Rank (500+ vol.)
#133
among lenders with 500+ originations
Denial Rate
3.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 624 | 6.500% | $4,163 | $950 |
| fha | 36 | 6.125% | $6,997 | $950 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Ohio | 547 | 6.500% | $4,279 | #48 |
| Indiana | 67 | 6.625% | $2,962 | #152 |
| Michigan | 20 | 6.500% | $5,529 | — |
| Kentucky | 19 | 6.250% | $3,893 | — |
| Pennsylvania | 6 | 6.375% | $5,767 | — |
| Florida | 5 | 6.375% | $4,583 | — |
| South Carolina | 4 | 5.812% | $4,320 | — |
| North Carolina | 1 | 6.375% | $3,000 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,871 | 6.750% | — | 13 | −$1,391 | |
| 2 | $3,010 | 6.625% | — | 40 | −$1,252 | |
| 3 | $3,596 | 6.375% | — | 47 | −$666 | |
| 4 | $3,642 | 6.625% | — | 26 | −$620 | |
| 5 | $3,864 | 6.375% | — | 89 | −$398 | |
| 6 | $3,982 | 6.375% | — | 8 | −$280 | |
| 7 | $4,018 | 6.625% | — | 46 | −$244 | |
| 8 | $4,120 | 6.500% | — | 20 | −$142 | |
| 9 | $4,144 | 6.250% | — | 9 | −$118 | |
| 10 | $4,261 | 6.562% | — | 10 | −$1 | |
| 11 | $4,407 | 6.375% | — | 27 | +$145 | |
| 12 | $4,482 | 6.500% | — | 24 | +$220 | |
| 13 | $4,714 | 6.500% | — | 53 | +$452 | |
| 14 | $4,944 | 6.500% | — | 29 | +$682 | |
| 15 | $5,122 | 6.375% | — | 21 | +$860 | |
| 16 | $5,505 | 6.438% | — | 10 | +$1,243 | |
| 17 | $5,582 | 6.312% | — | 10 | +$1,320 | |
| 18 | $5,964 | 6.750% | — | 9 | +$1,702 | |
| 19 | $6,079 | 6.500% | — | 7 | +$1,817 | |
| 20 | $6,098 | 6.375% | — | 10 | +$1,836 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Civista Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $315,000 | $335,000 | −$20,000 (−6.0%) |
| Median total closing costs | $4,262 | $7,127 | −$2,865 (−40.2%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.