Centier Bank Mortgage Lending & HMDA Data, 2025
In 2025, Centier Bank of Merrillville, IN reported 3,081 mortgage applications totaling $800.2 million, down 18% from 2024. The average application was for $259,735, and applicants reported an average income of $126,417. 61% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Lake County-Porter County-Jasper County, IN (1,662), Indianapolis-Carmel-Anderson, IN (385) and Lafayette-West Lafayette, IN (189) (applications in parentheses).
| Mortgage Company & Address | Centier Bank 600 E 84th Avenue Merrillville, IN 46410 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,081 |
| Total Mortgage Loan Application Amount | $800,245,000 |
| Average Mortgage Loan Application Amount | $259,735 |
| Highest Mortgage Loan Application Amount | $58,755,000 |
| Average Applicant Income | $126,417 |
| Highest Applicant Income | $4,796,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Centier Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lake, Indiana | 1,050 | $ 154,660,000 | $ 147,295 | $ 106,000 |
| Porter, Indiana | 560 | $ 99,150,000 | $ 177,053 | $ 137,000 |
| Marion, Indiana | 163 | $ 75,055,000 | $ 460,460 | $ 144,000 |
| Tippecanoe, Indiana | 160 | $ 27,420,000 | $ 171,375 | $ 126,000 |
| LaPorte, Indiana | 148 | $ 26,540,000 | $ 179,324 | $ 118,000 |
| St. Joseph, Indiana | 129 | $ 54,275,000 | $ 420,736 | $ 84,000 |
| Elkhart, Indiana | 86 | $ 23,140,000 | $ 269,069 | $ 80,000 |
| Hamilton, Indiana | 82 | $ 109,760,000 | $ 1,338,536 | $ 234,000 |
| Boone, Indiana | 45 | $ 16,245,000 | $ 361,000 | $ 268,000 |
| White, Indiana | 40 | $ 6,790,000 | $ 169,750 | $ 103,000 |
| Jasper, Indiana | 36 | $ 5,630,000 | $ 156,388 | $ 123,000 |
| Marshall, Indiana | 36 | $ 3,900,000 | $ 108,333 | $ 117,000 |
| Allen, Indiana | 28 | $ 6,610,000 | $ 236,071 | $ 158,000 |
| Starke, Indiana | 28 | $ 3,980,000 | $ 142,142 | $ 77,000 |
| Hendricks, Indiana | 27 | $ 3,455,000 | $ 127,962 | $ 286,000 |
| Hancock, Indiana | 21 | $ 5,165,000 | $ 245,952 | $ 118,000 |
| Cook, Illinois | 18 | $ 27,740,000 | $ 1,541,111 | $ 68,000 |
| Johnson, Indiana | 18 | $ 4,400,000 | $ 244,444 | $ 153,000 |
| Newton, Indiana | 16 | $ 1,360,000 | $ 85,000 | $ 95,000 |
| Carroll, Indiana | 15 | $ 2,445,000 | $ 163,000 | $ 128,000 |
| Shelby, Indiana | 11 | $ 1,785,000 | $ 162,272 | $ 99,000 |
| Benton, Indiana | 10 | $ 970,000 | $ 97,000 | $ 95,000 |
| Montgomery, Indiana | 9 | $ 5,705,000 | $ 633,888 | $ 79,000 |
| Berrien, Michigan | 9 | $ 2,465,000 | $ 273,888 | $ 181,000 |
| Henry, Indiana | 8 | $ 1,310,000 | $ 163,750 | $ 143,000 |
| Morgan, Indiana | 8 | $ 1,390,000 | $ 173,750 | $ 113,000 |
| Clinton, Indiana | 7 | $ 995,000 | $ 142,142 | $ 73,000 |
| Madison, Indiana | 7 | $ 865,000 | $ 123,571 | $ 115,000 |
| Cass, Michigan | 7 | $ 645,000 | $ 92,142 | $ 165,000 |
| Hunt, Texas | 6 | $ 450,000 | $ 75,000 | $ 0 |
| Collier, Florida | 5 | $ 54,855,000 | $ 10,971,000 | $ 1,743,000 |
| Kosciusko, Indiana | 5 | $ 465,000 | $ 93,000 | $ 85,000 |
| Putnam, Indiana | 5 | $ 1,715,000 | $ 343,000 | $ 220,000 |
| St. Joseph, Michigan | 5 | $ 815,000 | $ 163,000 | $ 99,000 |
| Delaware, Indiana | 4 | $ 480,000 | $ 120,000 | $ 109,000 |
| Howard, Indiana | 4 | $ 750,000 | $ 187,500 | $ 101,000 |
| Warren, Indiana | 4 | $ 600,000 | $ 150,000 | $ 97,000 |
| Colbert, Alabama | 3 | $ 345,000 | $ 115,000 | $ 0 |
| Lauderdale, Alabama | 3 | $ 255,000 | $ 85,000 | $ 0 |
| Lee, Florida | 3 | $ 965,000 | $ 321,666 | $ 312,000 |
| Will, Illinois | 3 | $ 955,000 | $ 318,333 | $ 189,000 |
| Pulaski, Indiana | 3 | $ 805,000 | $ 268,333 | $ 144,000 |
| Tipton, Indiana | 3 | $ 145,000 | $ 48,333 | $ 112,000 |
| Kent, Michigan | 3 | $ 925,000 | $ 308,333 | $ 122,000 |
| Lea, New Mexico | 3 | $ 495,000 | $ 165,000 | $ 0 |
| Grady, Oklahoma | 3 | $ 285,000 | $ 95,000 | $ 0 |
| Brazoria, Texas | 3 | $ 545,000 | $ 181,666 | $ 0 |
| Cameron, Texas | 3 | $ 315,000 | $ 105,000 | $ 0 |
| Liberty, Texas | 3 | $ 625,000 | $ 208,333 | $ 0 |
| Baldwin, Alabama | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Kendall, Illinois | 2 | $ 190,000 | $ 95,000 | $ 110,000 |
| Lee, Illinois | 2 | $ 90,000 | $ 45,000 | $ 0 |
| Fountain, Indiana | 2 | $ 690,000 | $ 345,000 | $ 59,000 |
| Fulton, Indiana | 2 | $ 140,000 | $ 70,000 | $ 58,000 |
| Noble, Indiana | 2 | $ 2,320,000 | $ 1,160,000 | $ 45,000 |
| Parke, Indiana | 2 | $ 110,000 | $ 55,000 | $ 345,000 |
| Vigo, Indiana | 2 | $ 290,000 | $ 145,000 | $ 47,000 |
| Plymouth, Iowa | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Sedgwick, Kansas | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Seward, Kansas | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Beauregard, Louisiana | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Allegan, Michigan | 2 | $ 240,000 | $ 120,000 | $ 113,000 |
| Kalamazoo, Michigan | 2 | $ 70,000 | $ 35,000 | $ 0 |
| Jefferson, Missouri | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Bernalillo, New Mexico | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Valencia, New Mexico | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Aiken, South Carolina | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Greenville, South Carolina | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Lexington, South Carolina | 2 | $ 450,000 | $ 225,000 | $ 0 |
| Sullivan, Tennessee | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Ector, Texas | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Guadalupe, Texas | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Jasper, Texas | 2 | $ 120,000 | $ 60,000 | $ 0 |
| Lubbock, Texas | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Montgomery, Texas | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Parker, Texas | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Pecos, Texas | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Smith, Texas | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Tarrant, Texas | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Winkler, Texas | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Yakima, Washington | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Brown, Wisconsin | 2 | $ 50,000 | $ 25,000 | $ 0 |
| Sauk, Wisconsin | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Waukesha, Wisconsin | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Escambia, Alabama | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Etowah, Alabama | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Geneva, Alabama | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Jackson, Alabama | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Macon, Alabama | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Marion, Alabama | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Marshall, Alabama | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Mobile, Alabama | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Morgan, Alabama | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Pike, Alabama | 1 | $ 35,000 | $ 35,000 | $ 0 |
| St. Clair, Alabama | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Talladega, Alabama | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Calhoun, Arkansas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Cleburne, Arkansas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Columbia, Arkansas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Hot Spring, Arkansas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Polk, Arkansas | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Union, Arkansas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Indian River, Florida | 1 | $ 7,755,000 | $ 7,755,000 | $ 0 |
| Osceola, Florida | 1 | $ 365,000 | $ 365,000 | $ 195,000 |
| Sarasota, Florida | 1 | $ 1,505,000 | $ 1,505,000 | $ 915,000 |
| St. Johns, Florida | 1 | $ 455,000 | $ 455,000 | $ 256,000 |
| Atkinson, Georgia | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Brooks, Georgia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Effingham, Georgia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Floyd, Georgia | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Wayne, Georgia | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Adams, Illinois | 1 | $ 75,000 | $ 75,000 | $ 0 |
| DuPage, Illinois | 1 | $ 405,000 | $ 405,000 | $ 180,000 |
| Kankakee, Illinois | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Madison, Illinois | 1 | $ 145,000 | $ 145,000 | $ 0 |
| McLean, Illinois | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Sangamon, Illinois | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Bartholomew, Indiana | 1 | $ 195,000 | $ 195,000 | $ 71,000 |
| Floyd, Indiana | 1 | $ 335,000 | $ 335,000 | $ 196,000 |
| Grant, Indiana | 1 | $ 215,000 | $ 215,000 | $ 59,000 |
| Monroe, Indiana | 1 | $ 215,000 | $ 215,000 | $ 108,000 |
| Owen, Indiana | 1 | $ 235,000 | $ 235,000 | $ 113,000 |
| Perry, Indiana | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Sullivan, Indiana | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Wayne, Indiana | 1 | $ 175,000 | $ 175,000 | $ 104,000 |
| Whitley, Indiana | 1 | $ 185,000 | $ 185,000 | $ 101,000 |
| Dallas, Iowa | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Dubuque, Iowa | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Johnson, Iowa | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Mahaska, Iowa | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Polk, Iowa | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Sioux, Iowa | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Webster, Iowa | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Ballard, Kentucky | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Butler, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Caldwell, Kentucky | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Jefferson, Kentucky | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Muhlenberg, Kentucky | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Avoyelles, Louisiana | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Calcasieu, Louisiana | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Claiborne, Louisiana | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Jefferson Davis, Louisiana | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Lincoln, Louisiana | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Madison, Louisiana | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Tensas, Louisiana | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Vermilion, Louisiana | 1 | $ 85,000 | $ 85,000 | $ 0 |
| West Baton Rouge, Louisiana | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Winn, Louisiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Emmet, Michigan | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Gratiot, Michigan | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Huron, Michigan | 1 | $ 25,000 | $ 25,000 | $ 162,000 |
| Leelanau, Michigan | 1 | $ 435,000 | $ 435,000 | $ 403,000 |
| Livingston, Michigan | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Oakland, Michigan | 1 | $ 4,605,000 | $ 4,605,000 | $ 0 |
| Ottawa, Michigan | 1 | $ 545,000 | $ 545,000 | $ 255,000 |
| St. Clair, Michigan | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Washtenaw, Michigan | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Anoka, Minnesota | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Copiah, Mississippi | 1 | $ 55,000 | $ 55,000 | $ 0 |
| George, Mississippi | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Leake, Mississippi | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Pontotoc, Mississippi | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Walthall, Mississippi | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Boone, Missouri | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Callaway, Missouri | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Clay, Missouri | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Lafayette, Missouri | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Lincoln, Missouri | 1 | $ 65,000 | $ 65,000 | $ 0 |
| St. Francois, Missouri | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Taney, Missouri | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Warren, Missouri | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Madison, Nebraska | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Mora, New Mexico | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Rio Arriba, New Mexico | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Sierra, New Mexico | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Alamance, North Carolina | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Bladen, North Carolina | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Forsyth, North Carolina | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Grand Forks, North Dakota | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Hamilton, Ohio | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Lucas, Ohio | 1 | $ 885,000 | $ 885,000 | $ 0 |
| Montgomery, Ohio | 1 | $ 16,505,000 | $ 16,505,000 | $ 0 |
| Trumbull, Ohio | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Caddo, Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Cherokee, Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 0 |
| McCurtain, Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Okmulgee, Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Stephens, Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Tulsa, Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Chester, Pennsylvania | 1 | $ 5,000 | $ 5,000 | $ 62,000 |
| Dauphin, Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Georgetown, South Carolina | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Horry, South Carolina | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Laurens, South Carolina | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Cocke, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Greene, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Jefferson, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Washington, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Austin, Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Burleson, Texas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Callahan, Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Cass, Texas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Comal, Texas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Coryell, Texas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| DeWitt, Texas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Ellis, Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Fort Bend, Texas | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Galveston, Texas | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Hardin, Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Hill, Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Jefferson, Texas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Jim Wells, Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Johnson, Texas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| La Salle, Texas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Lavaca, Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Lee, Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Limestone, Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Matagorda, Texas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| McCulloch, Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Motley, Texas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Nacogdoches, Texas | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Nueces, Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Orange, Texas | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Polk, Texas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Randall, Texas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Reeves, Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Refugio, Texas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Robertson, Texas | 1 | $ 45,000 | $ 45,000 | $ 0 |
| San Jacinto, Texas | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Taylor, Texas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Williamson, Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Wise, Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Mathews, Virginia | 1 | $ 115,000 | $ 115,000 | $ 0 |
| York, Virginia | 1 | $ 135,000 | $ 135,000 | $ 0 |
| King, Washington | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Marathon, Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Portage, Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Waupaca, Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Sweetwater, Wyoming | 1 | $ 35,000 | $ 35,000 | $ 0 |
Mortgage Loan Application Detail Totals for Centier Bank in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,160 | $465,700,000 | $401,000 | $58,755,000 | $132,000 | $3,505,000 |
| Home Improvement | 986 | $80,180,000 | $81,000 | $1,885,000 | $129,000 | $4,796,000 |
| Refinancing | 552 | $212,060,000 | $384,000 | $28,005,000 | $128,000 | $875,000 |
| Other Purpose | 294 | $19,750,000 | $67,000 | $705,000 | $95,000 | $1,122,000 |
| Cash-out Refinancing | 89 | $22,555,000 | $253,000 | $1,505,000 | $119,000 | $915,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,886 | $314,840,000 | $166,000 | $5,045,000 | $131,000 | $4,796,000 |
| Not Provided | 410 | $55,400,000 | $135,000 | $1,605,000 | $141,000 | $950,000 |
| Not applicable | 302 | $357,160,000 | $1,182,000 | $58,755,000 | $0 | $0 |
| Hispanic | 250 | $39,720,000 | $158,000 | $2,005,000 | $96,000 | $652,000 |
| Black or African American | 202 | $22,960,000 | $113,000 | $1,175,000 | $81,000 | $894,000 |
| Asian | 27 | $9,665,000 | $357,000 | $1,255,000 | $198,000 | $806,000 |
| American Indian or Alaskan Native | 3 | $475,000 | $158,000 | $335,000 | $108,000 | $189,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $25,000 | $25,000 | $25,000 | $70,000 | $70,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,990 | $778,650,000 | $260,000 | $58,755,000 | $127,000 | $4,796,000 |
| FHA-insured (Federal Housing Administration) | 81 | $18,215,000 | $224,000 | $485,000 | $88,000 | $875,000 |
| VA-guaranteed (Veterans Administration) | 9 | $3,165,000 | $351,000 | $765,000 | $124,000 | $266,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $215,000 | $215,000 | $215,000 | $100,000 | $100,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,890 | $521,620,000 | $275,000 | $28,005,000 | $134,000 | $3,628,000 |
| Application Denied By Financial Institution | 551 | $58,165,000 | $105,000 | $4,605,000 | $101,000 | $4,796,000 |
| Application Withdrawn By Applicant | 238 | $121,610,000 | $510,000 | $58,755,000 | $132,000 | $894,000 |
| Loan Purchased By The Institution | 224 | $23,240,000 | $103,000 | $325,000 | $0 | $0 |
| Application Approved But Not Accepted | 107 | $58,955,000 | $550,000 | $44,905,000 | $126,000 | $631,000 |
| File Closed For Incompleteness | 71 | $16,655,000 | $234,000 | $745,000 | $97,000 | $407,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 2,530 | $742,080,000 | $293,000 | $58,755,000 | $132,000 | $3,628,000 |
| Credit History | 265 | $16,535,000 | $62,000 | $425,000 | $91,000 | $660,000 |
| Debt-To-Income Ratio | 188 | $24,180,000 | $128,000 | $1,605,000 | $69,000 | $402,000 |
| Collateral | 78 | $6,520,000 | $83,000 | $355,000 | $187,000 | $4,796,000 |
| Unverifiable Information | 10 | $1,750,000 | $175,000 | $435,000 | $221,000 | $629,000 |
| Other | 7 | $8,025,000 | $1,146,000 | $4,605,000 | $282,000 | $915,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $870,000 | $435,000 | $685,000 | $52,000 | $52,000 |
| Credit Application Incomplete | 1 | $285,000 | $285,000 | $285,000 | $104,000 | $104,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Centier Bank's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Centier Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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