Civista Bank NMLS #412766
At a glance
- HeadquartersSANDUSKY, OH
- Size1,643 home loans closed in 2025
- Loan typesConventional
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Who is Civista Bank?
Civista Bank (NMLS #412766) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or brokerCivista Bank
- NMLS #412766
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
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Bank facts
Civista Bank held $4,286,454,000 in total assets as of June 30, 2026, per the FDIC (certificate 12982). The FDIC and NMLS records both place it in Sandusky, Ohio. FDIC deposit insurance covers deposits held at the bank. It is the bank's coverage and does not extend to any mortgage.
About Civista Bank
Overview
Civista Bank is a bank and mortgage lender that works with consumer and business customers. Its services include personal banking, business banking, wealth management, and selected mortgage-related products.
Mortgage options
Mortgage-related options include home equity lines of credit, construction loans, and jumbo loans.
Company details and licensing
The legal name is CIVISTA BANK, and THE CITIZENS BANKING COMPANY is a trade name. Civista Bank is headquartered at 100 East Water Street in Sandusky, Ohio 44870. The NMLS company ID is 412766.
Licensing is verifiable through NMLS Consumer Access.
Verify NMLS #412766 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS registry records. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asCivista Bank
- 2025 home loan decisionsOf 1,988 applications decided by Civista Bank in 2025, 1,643 were originated, 96 were approved but not accepted by the borrower, and 249 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 87.5%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 142 applications were withdrawn by the borrower, 27 were closed for incompleteness, and 0 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.24 percentage points above the average prime offer rate (reported on 1,572 originations, 71 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$3,984.75 — originated closed-end household loans, 2025, 954 loans. FFIEC HMDA data browser.
- Median origination charges$950.00 — originated closed-end household loans, 2025, 954 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types1,595 Conventional, 37 FHA, 8 VA, 3 USDA — of 1,643 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for Civista Bank — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
What is Civista Bank's NMLS number?
Civista Bank's NMLS number is 412766. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Civista Bank's NMLS ID?
Yes. We checked Civista Bank's company name and NMLS ID against the NMLS record on October 10, 2026. They've been in our lender network since April 2015. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Civista Bank?
This page has Civista Bank's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.