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Civista’s mortgage lenders work with you one-on-one to explore your options, answer questions, and help you move forward with confidence — whether you’re buying, refinancing, or building.

Michael D. Mulford
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Michael D. Mulford

Senior Vice President, Chief Credit Officer

Michael D. Mulford joined Civista Bank in November 2023 as Senior Vice President and Chief Credit Officer, bringing over 33 years of credit experience, including 13 years as Executive Vice President, Chief Credit Officer at First Federal Bank of the Midwest.

Mike is a Toledo native. He graduated from The University of Toledo with an MBA in Finance and the Graduate School of Banking.
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