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Meet Christina Gardner

Learn more and apply today.





Christina Gardner

Christina Gardner

Consumer/Mortgage Lender
NMLS#: 1077255

Location pin icon100 E. Water Street

       Sandusky, Ohio 44870

Phone iconO:  419.627.4534             


With over 20 Years of experience in the banking industry, I am committed to working hard to help you achieve your dreams of homeownership. I am a graduate of Sandusky High School and attended Terra Community College. I reside in Sandusky and am a member of the Erie County Chamber of Commerce, Erie County Realtors Association and the Erie County Homebuilders Association.


Mortgage Application - Getting Started

Start your mortgage application by creating your user login below. You can save your application at any point and then log back in to finish before submitting your application. Please use your best estimate if you do not have all the information.

Civista Bank accepts applications for properties in the State of Ohio.

Information for all borrowers including:
  • Social Security
  • Contact & employment information
  • Best estimates of income, assets, and liabilities
I will contact you to:
  • Guide you through the loan process
  • Complete your loan application package
  • Help you select the best program and interest rate