Civista Bank in Indiana vs the state
14.3%Denial rate-2.25 pts vs state
15.1%Decision denial rate-5.05 pts vs state
75.2%Origination rate+12.94 pts vs state
7.25%Median rate+0.50 pts vs state
0.24Rate spread (pts)-0.13 pts vs state
$96kMedian applicant income
294Loans originated
56Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 368 | 295 | 9.0% | 7.75% | #119 |
| 2024 | 287 | 225 | 13.2% | 8.00% | #146 |
| 2025 | 391 | 294 | 14.3% | 7.25% | #138 |
What Civista Bank lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Civista Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dearborn County | 253 | 191 | 37 | 14.6% |
| Ripley County | 74 | 52 | 13 | 17.6% |
| Ohio County | 15 | 12 | 1 | 6.7% |
| Franklin County | 10 | 6 | 3 | 30.0% |
| Marion County | 9 | 8 | 1 | 11.1% |
| Switzerland County | 6 | 5 | 1 | 16.7% |
| Hamilton County | 4 | 3 | 0 | 0.0% |
| Decatur County | 3 | 3 | 0 | 0.0% |
| Johnson County | 3 | 3 | 0 | 0.0% |
| Jefferson County | 2 | 2 | 0 | 0.0% |
Other large lenders in Indiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,503 | 18.6% | 6.75% |
| Ruoff Mortgage Company | A | 8,860 | 4.0% | 6.75% |
| Fifth Third Bank | D | 8,693 | 27.6% | 7.75% |
| United Shore Financial Services | B | 8,659 | 12.2% | 6.38% |
| Freedom Mortgage | B | 5,454 | 8.9% | 6.25% |
| Newrez | D | 5,421 | 18.2% | 6.63% |
| First Merchants Bank | C | 5,114 | 19.9% | 6.76% |
| Fairway Independent Mortgage | B | 4,813 | 7.4% | 6.75% |
| Mortgage Research Center | C | 4,791 | 19.0% | 6.25% |
| PNC Bank | D | 4,724 | 25.1% | 7.55% |
Frequently asked questions
Indiana: 391 applications in 2025, of which 294 were originated and 56 denied.
14.3% of all applications, or 15.1% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Civista Bank originated in Indiana in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Civista Bank's own HMDA filing for properties located in Indiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology