Centier Bank Mortgage Lending & HMDA Data, 2007

In 2007, Centier Bank of Merrillville, IN reported 3,116 mortgage applications totaling $257.6 million, up 68% from 2006. The average application was for $82,655, and applicants reported an average income of $71,160. 57% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Gary, IN (1,817), Minneapolis-St. Paul-Bloomington, MN-WI (85) and Michigan City-La Porte, IN (65) (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
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Total Number of Mortgage Applications 3,116
Total Mortgage Loan Application Amount $257,554,000
Average Mortgage Loan Application Amount $82,655
Highest Mortgage Loan Application Amount $7,200,000
Average Applicant Income $71,160
Highest Applicant Income $1,038,000

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Act (HMDA) records Centier Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Centier Bank by County in 2007

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Lake, Indiana 1,226 $ 100,339,000 $ 81,842 $ 81,000
Porter, Indiana 547 $ 58,443,000 $ 106,842 $ 86,000
LaPorte, Indiana 65 $ 8,058,000 $ 123,969 $ 95,000
Jasper, Indiana 34 $ 4,134,000 $ 121,588 $ 69,000
Marshall, Indiana 32 $ 3,005,000 $ 93,906 $ 105,000
Cook, Illinois 28 $ 11,125,000 $ 397,321 $ 182,000
Anoka, Minnesota 23 $ 1,031,000 $ 44,826 $ 37,000
Starke, Indiana 20 $ 1,478,000 $ 73,900 $ 73,000
Pike, Kentucky 19 $ 1,098,000 $ 57,789 $ 48,000
Sedgwick, Kansas 16 $ 870,000 $ 54,375 $ 54,000
Wayne, Michigan 16 $ 752,000 $ 47,000 $ 48,000
Dakota, Minnesota 15 $ 735,000 $ 49,000 $ 61,000
Ramsey, Minnesota 15 $ 670,000 $ 44,666 $ 42,000
Bucks, Pennsylvania 15 $ 853,000 $ 56,866 $ 56,000
Portage, Ohio 14 $ 634,000 $ 45,285 $ 45,000
Tippecanoe, Indiana 13 $ 1,976,000 $ 152,000 $ 0
Monroe, Michigan 13 $ 617,000 $ 47,461 $ 51,000
Marion, Indiana 12 $ 613,000 $ 51,083 $ 57,000
Macomb, Michigan 12 $ 781,000 $ 65,083 $ 59,000
Newton, Indiana 11 $ 630,000 $ 57,272 $ 56,000
Linn, Iowa 10 $ 348,000 $ 34,800 $ 49,000
Pulaski, Kentucky 10 $ 417,000 $ 41,700 $ 52,000
Wright, Minnesota 10 $ 470,000 $ 47,000 $ 42,000
McLean, Illinois 9 $ 362,000 $ 40,222 $ 48,000
Floyd, Kentucky 9 $ 537,000 $ 59,666 $ 49,000
Calhoun, Michigan 9 $ 494,000 $ 54,888 $ 43,000
Jefferson, Missouri 8 $ 333,000 $ 41,625 $ 54,000
St. Charles, Missouri 8 $ 265,000 $ 33,125 $ 36,000
Franklin, Ohio 8 $ 448,000 $ 56,000 $ 47,000
Wood, Ohio 8 $ 304,000 $ 38,000 $ 49,000
Butler, Kansas 7 $ 366,000 $ 52,285 $ 50,000
Breathitt, Kentucky 7 $ 290,000 $ 41,428 $ 40,000
Livingston, Michigan 7 $ 358,000 $ 51,142 $ 44,000
Trumbull, Ohio 7 $ 200,000 $ 28,571 $ 39,000
Tuscarawas, Ohio 7 $ 197,000 $ 28,142 $ 31,000
Champaign, Illinois 6 $ 414,000 $ 69,000 $ 56,000
St. Clair, Illinois 6 $ 259,000 $ 43,166 $ 42,000
Genesee, Michigan 6 $ 234,000 $ 39,000 $ 33,000
Oakland, Michigan 6 $ 222,000 $ 37,000 $ 39,000
Wayne, Ohio 6 $ 184,000 $ 30,666 $ 34,000
Cumberland, Pennsylvania 6 $ 345,000 $ 57,500 $ 52,000
Johnson, Iowa 5 $ 331,000 $ 66,200 $ 54,000
Powell, Kentucky 5 $ 187,000 $ 37,400 $ 64,000
Ottawa, Michigan 5 $ 281,000 $ 56,200 $ 47,000
Cape Girardeau, Missouri 5 $ 240,000 $ 48,000 $ 43,000
Greene, Missouri 5 $ 237,000 $ 47,400 $ 56,000
Williams, North Dakota 5 $ 383,000 $ 76,600 $ 73,000
Lake, Ohio 5 $ 249,000 $ 49,800 $ 54,000
Beaver, Pennsylvania 5 $ 247,000 $ 49,400 $ 50,000
Kosciusko, Indiana 4 $ 434,000 $ 108,500 $ 60,000
Madison, Indiana 4 $ 103,000 $ 25,750 $ 38,000
Polk, Iowa 4 $ 103,000 $ 25,750 $ 44,000
Douglas, Kansas 4 $ 155,000 $ 38,750 $ 41,000
Grant, Kentucky 4 $ 96,000 $ 24,000 $ 39,000
Lawrence, Kentucky 4 $ 233,000 $ 58,250 $ 38,000
Magoffin, Kentucky 4 $ 160,000 $ 40,000 $ 29,000
Perry, Kentucky 4 $ 113,000 $ 28,250 $ 25,000
Whitley, Kentucky 4 $ 115,000 $ 28,750 $ 38,000
Berrien, Michigan 4 $ 617,000 $ 154,250 $ 64,000
Eaton, Michigan 4 $ 141,000 $ 35,250 $ 38,000
Ingham, Michigan 4 $ 165,000 $ 41,250 $ 45,000
Kent, Michigan 4 $ 218,000 $ 54,500 $ 57,000
Washtenaw, Michigan 4 $ 150,000 $ 37,500 $ 38,000
Carver, Minnesota 4 $ 193,000 $ 48,250 $ 51,000
Chisago, Minnesota 4 $ 218,000 $ 54,500 $ 43,000
Hennepin, Minnesota 4 $ 134,000 $ 33,500 $ 40,000
St. Louis, Minnesota 4 $ 166,000 $ 41,500 $ 53,000
Clay, Missouri 4 $ 164,000 $ 41,000 $ 34,000
Newton, Missouri 4 $ 252,000 $ 63,000 $ 44,000
Montgomery, Ohio 4 $ 229,000 $ 57,250 $ 64,000
Butler, Pennsylvania 4 $ 161,000 $ 40,250 $ 40,000
Fayette, Pennsylvania 4 $ 116,000 $ 29,000 $ 61,000
Lancaster, Pennsylvania 4 $ 263,000 $ 65,750 $ 41,000
York, Pennsylvania 4 $ 276,000 $ 69,000 $ 55,000
Richland, Wisconsin 4 $ 185,000 $ 46,250 $ 58,000
Clinton, Indiana 3 $ 167,000 $ 55,666 $ 55,000
Monroe, Indiana 3 $ 155,000 $ 51,666 $ 29,000
Cherokee, Kansas 3 $ 185,000 $ 61,666 $ 40,000
Cowley, Kansas 3 $ 240,000 $ 80,000 $ 52,000
Montgomery, Kansas 3 $ 259,000 $ 86,333 $ 76,000
Bullitt, Kentucky 3 $ 138,000 $ 46,000 $ 46,000
Carter, Kentucky 3 $ 159,000 $ 53,000 $ 61,000
Laurel, Kentucky 3 $ 70,000 $ 23,333 $ 26,000
Lewis, Kentucky 3 $ 104,000 $ 34,666 $ 26,000
Ohio, Kentucky 3 $ 101,000 $ 33,666 $ 36,000
Wolfe, Kentucky 3 $ 162,000 $ 54,000 $ 52,000
Allegan, Michigan 3 $ 458,000 $ 152,666 $ 210,000
Benton, Minnesota 3 $ 165,000 $ 55,000 $ 43,000
Blue Earth, Minnesota 3 $ 139,000 $ 46,333 $ 49,000
Stearns, Minnesota 3 $ 175,000 $ 58,333 $ 35,000
Washington, Minnesota 3 $ 141,000 $ 47,000 $ 38,000
Bates, Missouri 3 $ 229,000 $ 76,333 $ 42,000
Camden, Missouri 3 $ 173,000 $ 57,666 $ 50,000
Howell, Missouri 3 $ 195,000 $ 65,000 $ 43,000
Lincoln, Missouri 3 $ 120,000 $ 40,000 $ 31,000
Perry, Missouri 3 $ 93,000 $ 31,000 $ 30,000
Stoddard, Missouri 3 $ 108,000 $ 36,000 $ 33,000
Taney, Missouri 3 $ 136,000 $ 45,333 $ 33,000
Adams, Ohio 3 $ 110,000 $ 36,666 $ 49,000
Allen, Ohio 3 $ 118,000 $ 39,333 $ 43,000
Athens, Ohio 3 $ 176,000 $ 58,666 $ 45,000
Belmont, Ohio 3 $ 165,000 $ 55,000 $ 36,000
Columbiana, Ohio 3 $ 186,000 $ 62,000 $ 43,000
Geauga, Ohio 3 $ 200,000 $ 66,666 $ 63,000
Hamilton, Ohio 3 $ 113,000 $ 37,666 $ 30,000
Henry, Ohio 3 $ 126,000 $ 42,000 $ 38,000
Lucas, Ohio 3 $ 113,000 $ 37,666 $ 43,000
Muskingum, Ohio 3 $ 122,000 $ 40,666 $ 35,000
Stark, Ohio 3 $ 109,000 $ 36,333 $ 36,000
Summit, Ohio 3 $ 107,000 $ 35,666 $ 37,000
Brookings, South Dakota 3 $ 160,000 $ 53,333 $ 38,000
Minnehaha, South Dakota 3 $ 130,000 $ 43,333 $ 43,000
Brown, Wisconsin 3 $ 96,000 $ 32,000 $ 33,000
Milwaukee, Wisconsin 3 $ 140,000 $ 46,666 $ 54,000
St. Croix, Wisconsin 3 $ 120,000 $ 40,000 $ 31,000
Washington, Wisconsin 3 $ 112,000 $ 37,333 $ 33,000
Adams, Illinois 2 $ 87,000 $ 43,500 $ 38,000
Boone, Illinois 2 $ 68,000 $ 34,000 $ 45,000
Clay, Illinois 2 $ 112,000 $ 56,000 $ 38,000
Crawford, Illinois 2 $ 61,000 $ 30,500 $ 30,000
Fulton, Illinois 2 $ 96,000 $ 48,000 $ 118,000
Jackson, Illinois 2 $ 114,000 $ 57,000 $ 27,000
Jefferson, Illinois 2 $ 70,000 $ 35,000 $ 36,000
Jersey, Illinois 2 $ 76,000 $ 38,000 $ 25,000
Lake, Illinois 2 $ 84,000 $ 42,000 $ 68,000
Madison, Illinois 2 $ 36,000 $ 18,000 $ 58,000
Sangamon, Illinois 2 $ 69,000 $ 34,500 $ 39,000
Williamson, Illinois 2 $ 37,000 $ 18,500 $ 29,000
Boone, Indiana 2 $ 81,000 $ 40,500 $ 45,000
Clark, Indiana 2 $ 57,000 $ 28,500 $ 22,000
Crawford, Indiana 2 $ 84,000 $ 42,000 $ 44,000
Elkhart, Indiana 2 $ 82,000 $ 41,000 $ 71,000
Floyd, Indiana 2 $ 79,000 $ 39,500 $ 39,000
Hendricks, Indiana 2 $ 235,000 $ 117,500 $ 58,000
Johnson, Indiana 2 $ 63,000 $ 31,500 $ 35,000
Montgomery, Indiana 2 $ 75,000 $ 37,500 $ 0
St. Joseph, Indiana 2 $ 77,000 $ 38,500 $ 53,000
Dallas, Iowa 2 $ 123,000 $ 61,500 $ 49,000
Des Moines, Iowa 2 $ 37,000 $ 18,500 $ 42,000
Dubuque, Iowa 2 $ 101,000 $ 50,500 $ 45,000
Jones, Iowa 2 $ 133,000 $ 66,500 $ 49,000
Crawford, Kansas 2 $ 150,000 $ 75,000 $ 39,000
Leavenworth, Kansas 2 $ 59,000 $ 29,500 $ 30,000
Pottawatomie, Kansas 2 $ 87,000 $ 43,500 $ 35,000
Riley, Kansas 2 $ 107,000 $ 53,500 $ 63,000
Wilson, Kansas 2 $ 59,000 $ 29,500 $ 28,000
Allen, Kentucky 2 $ 107,000 $ 53,500 $ 67,000
Bell, Kentucky 2 $ 62,000 $ 31,000 $ 44,000
Clay, Kentucky 2 $ 68,000 $ 34,000 $ 32,000
Grayson, Kentucky 2 $ 91,000 $ 45,500 $ 101,000
Knott, Kentucky 2 $ 87,000 $ 43,500 $ 41,000
Letcher, Kentucky 2 $ 127,000 $ 63,500 $ 55,000
Lincoln, Kentucky 2 $ 79,000 $ 39,500 $ 51,000
Martin, Kentucky 2 $ 77,000 $ 38,500 $ 35,000
Russell, Kentucky 2 $ 101,000 $ 50,500 $ 42,000
Barry, Michigan 2 $ 103,000 $ 51,500 $ 52,000
Bay, Michigan 2 $ 77,000 $ 38,500 $ 23,000
Cass, Michigan 2 $ 63,000 $ 31,500 $ 37,000
Lapeer, Michigan 2 $ 101,000 $ 50,500 $ 43,000
Midland, Michigan 2 $ 114,000 $ 57,000 $ 61,000
Shiawassee, Michigan 2 $ 51,000 $ 25,500 $ 29,000
St. Joseph, Michigan 2 $ 294,000 $ 147,000 $ 128,000
Crow Wing, Minnesota 2 $ 92,000 $ 46,000 $ 28,000
Itasca, Minnesota 2 $ 111,000 $ 55,500 $ 52,000
Sherburne, Minnesota 2 $ 67,000 $ 33,500 $ 24,000
Barry, Missouri 2 $ 88,000 $ 44,000 $ 19,000
Boone, Missouri 2 $ 114,000 $ 57,000 $ 36,000
Buchanan, Missouri 2 $ 64,000 $ 32,000 $ 29,000
Cass, Missouri 2 $ 70,000 $ 35,000 $ 39,000
Douglas, Missouri 2 $ 75,000 $ 37,500 $ 41,000
Hickory, Missouri 2 $ 82,000 $ 41,000 $ 207,000
Jackson, Missouri 2 $ 90,000 $ 45,000 $ 61,000
Laclede, Missouri 2 $ 86,000 $ 43,000 $ 57,000
Morgan, Missouri 2 $ 117,000 $ 58,500 $ 43,000
Pike, Missouri 2 $ 147,000 $ 73,500 $ 32,000
Stone, Missouri 2 $ 91,000 $ 45,500 $ 132,000
Cass, Nebraska 2 $ 147,000 $ 73,500 $ 78,000
Burleigh, North Dakota 2 $ 119,000 $ 59,500 $ 57,000
Eddy, North Dakota 2 $ 147,000 $ 73,500 $ 69,000
Ashtabula, Ohio 2 $ 51,000 $ 25,500 $ 37,000
Brown, Ohio 2 $ 94,000 $ 47,000 $ 25,000
Clinton, Ohio 2 $ 59,000 $ 29,500 $ 47,000
Cuyahoga, Ohio 2 $ 66,000 $ 33,000 $ 58,000
Fulton, Ohio 2 $ 126,000 $ 63,000 $ 48,000
Guernsey, Ohio 2 $ 70,000 $ 35,000 $ 31,000
Hancock, Ohio 2 $ 116,000 $ 58,000 $ 92,000
Highland, Ohio 2 $ 45,000 $ 22,500 $ 33,000
Hocking, Ohio 2 $ 97,000 $ 48,500 $ 40,000
Monroe, Ohio 2 $ 71,000 $ 35,500 $ 74,000
Ottawa, Ohio 2 $ 128,000 $ 64,000 $ 68,000
Perry, Ohio 2 $ 56,000 $ 28,000 $ 34,000
Adams, Pennsylvania 2 $ 122,000 $ 61,000 $ 81,000
Chester, Pennsylvania 2 $ 114,000 $ 57,000 $ 40,000
Clearfield, Pennsylvania 2 $ 70,000 $ 35,000 $ 28,000
Dauphin, Pennsylvania 2 $ 83,000 $ 41,500 $ 45,000
Greene, Pennsylvania 2 $ 116,000 $ 58,000 $ 82,000
Lebanon, Pennsylvania 2 $ 100,000 $ 50,000 $ 32,000
Schuylkill, Pennsylvania 2 $ 116,000 $ 58,000 $ 36,000
Washington, Pennsylvania 2 $ 58,000 $ 29,000 $ 43,000
Westmoreland, Pennsylvania 2 $ 72,000 $ 36,000 $ 35,000
Clay, South Dakota 2 $ 109,000 $ 54,500 $ 321,000
Custer, South Dakota 2 $ 149,000 $ 74,500 $ 74,000
Day, South Dakota 2 $ 64,000 $ 32,000 $ 110,000
Lincoln, South Dakota 2 $ 92,000 $ 46,000 $ 64,000
Meade, South Dakota 2 $ 179,000 $ 89,500 $ 59,000
Pennington, South Dakota 2 $ 101,000 $ 50,500 $ 40,000
Potter, South Dakota 2 $ 97,000 $ 48,500 $ 84,000
Spink, South Dakota 2 $ 129,000 $ 64,500 $ 64,000
Tripp, South Dakota 2 $ 86,000 $ 43,000 $ 25,000
Dunn, Wisconsin 2 $ 97,000 $ 48,500 $ 57,000
Fond du Lac, Wisconsin 2 $ 61,000 $ 30,500 $ 36,000
Monroe, Wisconsin 2 $ 93,000 $ 46,500 $ 79,000
Waukesha, Wisconsin 2 $ 133,000 $ 66,500 $ 51,000
Miami-Dade, Florida 1 $ 650,000 $ 650,000 $ 199,000
Sarasota, Florida 1 $ 150,000 $ 150,000 $ 498,000
Volusia, Florida 1 $ 395,000 $ 395,000 $ 0
Effingham, Illinois 1 $ 15,000 $ 15,000 $ 35,000
Franklin, Illinois 1 $ 58,000 $ 58,000 $ 28,000
Grundy, Illinois 1 $ 25,000 $ 25,000 $ 43,000
Jasper, Illinois 1 $ 44,000 $ 44,000 $ 62,000
Johnson, Illinois 1 $ 40,000 $ 40,000 $ 26,000
Kendall, Illinois 1 $ 243,000 $ 243,000 $ 368,000
Lawrence, Illinois 1 $ 66,000 $ 66,000 $ 65,000
Richland, Illinois 1 $ 32,000 $ 32,000 $ 14,000
Schuyler, Illinois 1 $ 107,000 $ 107,000 $ 61,000
Scott, Illinois 1 $ 86,000 $ 86,000 $ 49,000
Union, Illinois 1 $ 45,000 $ 45,000 $ 42,000
Will, Illinois 1 $ 45,000 $ 45,000 $ 120,000
Winnebago, Illinois 1 $ 57,000 $ 57,000 $ 40,000
Allen, Indiana 1 $ 22,000 $ 22,000 $ 27,000
Daviess, Indiana 1 $ 32,000 $ 32,000 $ 61,000
Dearborn, Indiana 1 $ 35,000 $ 35,000 $ 79,000
Franklin, Indiana 1 $ 55,000 $ 55,000 $ 23,000
Gibson, Indiana 1 $ 72,000 $ 72,000 $ 52,000
Hancock, Indiana 1 $ 29,000 $ 29,000 $ 18,000
Harrison, Indiana 1 $ 75,000 $ 75,000 $ 55,000
Howard, Indiana 1 $ 28,000 $ 28,000 $ 42,000
LaGrange, Indiana 1 $ 130,000 $ 130,000 $ 60,000
Lawrence, Indiana 1 $ 40,000 $ 40,000 $ 25,000
Orange, Indiana 1 $ 38,000 $ 38,000 $ 92,000
Posey, Indiana 1 $ 57,000 $ 57,000 $ 57,000
Vanderburgh, Indiana 1 $ 22,000 $ 22,000 $ 18,000
White, Indiana 1 $ 223,000 $ 223,000 $ 206,000
Allamakee, Iowa 1 $ 35,000 $ 35,000 $ 147,000
Appanoose, Iowa 1 $ 41,000 $ 41,000 $ 47,000
Black Hawk, Iowa 1 $ 68,000 $ 68,000 $ 62,000
Cedar, Iowa 1 $ 39,000 $ 39,000 $ 29,000
Clayton, Iowa 1 $ 40,000 $ 40,000 $ 43,000
Fayette, Iowa 1 $ 50,000 $ 50,000 $ 58,000
Muscatine, Iowa 1 $ 35,000 $ 35,000 $ 39,000
Pottawattamie, Iowa 1 $ 43,000 $ 43,000 $ 60,000
Ringgold, Iowa 1 $ 73,000 $ 73,000 $ 35,000
Story, Iowa 1 $ 51,000 $ 51,000 $ 52,000
Wapello, Iowa 1 $ 30,000 $ 30,000 $ 21,000
Allen, Kansas 1 $ 31,000 $ 31,000 $ 22,000
Anderson, Kansas 1 $ 22,000 $ 22,000 $ 71,000
Bourbon, Kansas 1 $ 18,000 $ 18,000 $ 39,000
Chautauqua, Kansas 1 $ 86,000 $ 86,000 $ 63,000
Dickinson, Kansas 1 $ 51,000 $ 51,000 $ 65,000
Doniphan, Kansas 1 $ 32,000 $ 32,000 $ 33,000
Geary, Kansas 1 $ 46,000 $ 46,000 $ 19,000
Grant, Kansas 1 $ 54,000 $ 54,000 $ 28,000
Gray, Kansas 1 $ 37,000 $ 37,000 $ 37,000
Greenwood, Kansas 1 $ 36,000 $ 36,000 $ 52,000
Harper, Kansas 1 $ 89,000 $ 89,000 $ 104,000
Harvey, Kansas 1 $ 78,000 $ 78,000 $ 67,000
Haskell, Kansas 1 $ 64,000 $ 64,000 $ 46,000
Jefferson, Kansas 1 $ 41,000 $ 41,000 $ 59,000
Johnson, Kansas 1 $ 89,000 $ 89,000 $ 82,000
Marion, Kansas 1 $ 63,000 $ 63,000 $ 50,000
McPherson, Kansas 1 $ 43,000 $ 43,000 $ 24,000
Neosho, Kansas 1 $ 71,000 $ 71,000 $ 57,000
Reno, Kansas 1 $ 84,000 $ 84,000 $ 106,000
Sumner, Kansas 1 $ 65,000 $ 65,000 $ 98,000
Woodson, Kansas 1 $ 33,000 $ 33,000 $ 20,000
Wyandotte, Kansas 1 $ 41,000 $ 41,000 $ 46,000
Bath, Kentucky 1 $ 35,000 $ 35,000 $ 20,000
Bourbon, Kentucky 1 $ 76,000 $ 76,000 $ 83,000
Boyd, Kentucky 1 $ 25,000 $ 25,000 $ 13,000
Clark, Kentucky 1 $ 43,000 $ 43,000 $ 59,000
Clinton, Kentucky 1 $ 33,000 $ 33,000 $ 27,000
Edmonson, Kentucky 1 $ 24,000 $ 24,000 $ 21,000
Elliott, Kentucky 1 $ 68,000 $ 68,000 $ 58,000
Estill, Kentucky 1 $ 70,000 $ 70,000 $ 43,000
Green, Kentucky 1 $ 101,000 $ 101,000 $ 51,000
Hardin, Kentucky 1 $ 39,000 $ 39,000 $ 22,000
Harlan, Kentucky 1 $ 63,000 $ 63,000 $ 35,000
Henry, Kentucky 1 $ 28,000 $ 28,000 $ 37,000
Jefferson, Kentucky 1 $ 43,000 $ 43,000 $ 47,000
Johnson, Kentucky 1 $ 49,000 $ 49,000 $ 42,000
Kenton, Kentucky 1 $ 44,000 $ 44,000 $ 40,000
Lee, Kentucky 1 $ 35,000 $ 35,000 $ 54,000
Logan, Kentucky 1 $ 32,000 $ 32,000 $ 85,000
Madison, Kentucky 1 $ 32,000 $ 32,000 $ 52,000
McCracken, Kentucky 1 $ 48,000 $ 48,000 $ 24,000
McCreary, Kentucky 1 $ 38,000 $ 38,000 $ 35,000
Meade, Kentucky 1 $ 38,000 $ 38,000 $ 46,000
Menifee, Kentucky 1 $ 33,000 $ 33,000 $ 44,000
Montgomery, Kentucky 1 $ 81,000 $ 81,000 $ 42,000
Morgan, Kentucky 1 $ 116,000 $ 116,000 $ 56,000
Muhlenberg, Kentucky 1 $ 15,000 $ 15,000 $ 15,000
Pendleton, Kentucky 1 $ 31,000 $ 31,000 $ 34,000
Rockcastle, Kentucky 1 $ 38,000 $ 38,000 $ 139,000
Spencer, Kentucky 1 $ 73,000 $ 73,000 $ 33,000
Webster, Kentucky 1 $ 25,000 $ 25,000 $ 65,000
Arenac, Michigan 1 $ 33,000 $ 33,000 $ 26,000
Branch, Michigan 1 $ 31,000 $ 31,000 $ 47,000
Chippewa, Michigan 1 $ 66,000 $ 66,000 $ 52,000
Clinton, Michigan 1 $ 81,000 $ 81,000 $ 84,000
Gratiot, Michigan 1 $ 81,000 $ 81,000 $ 53,000
Ionia, Michigan 1 $ 42,000 $ 42,000 $ 125,000
Jackson, Michigan 1 $ 34,000 $ 34,000 $ 45,000
Lenawee, Michigan 1 $ 39,000 $ 39,000 $ 38,000
Newaygo, Michigan 1 $ 58,000 $ 58,000 $ 46,000
Oceana, Michigan 1 $ 37,000 $ 37,000 $ 127,000
St. Clair, Michigan 1 $ 36,000 $ 36,000 $ 24,000
Becker, Minnesota 1 $ 55,000 $ 55,000 $ 68,000
Clearwater, Minnesota 1 $ 24,000 $ 24,000 $ 56,000
Douglas, Minnesota 1 $ 32,000 $ 32,000 $ 54,000
Freeborn, Minnesota 1 $ 32,000 $ 32,000 $ 21,000
Isanti, Minnesota 1 $ 36,000 $ 36,000 $ 19,000
Kandiyohi, Minnesota 1 $ 65,000 $ 65,000 $ 31,000
Kittson, Minnesota 1 $ 29,000 $ 29,000 $ 21,000
McLeod, Minnesota 1 $ 43,000 $ 43,000 $ 31,000
Mille Lacs, Minnesota 1 $ 49,000 $ 49,000 $ 86,000
Mower, Minnesota 1 $ 41,000 $ 41,000 $ 65,000
Nicollet, Minnesota 1 $ 57,000 $ 57,000 $ 30,000
Olmsted, Minnesota 1 $ 41,000 $ 41,000 $ 21,000
Pennington, Minnesota 1 $ 26,000 $ 26,000 $ 25,000
Scott, Minnesota 1 $ 36,000 $ 36,000 $ 48,000
Wabasha, Minnesota 1 $ 75,000 $ 75,000 $ 29,000
Benton, Missouri 1 $ 43,000 $ 43,000 $ 36,000
Bollinger, Missouri 1 $ 69,000 $ 69,000 $ 45,000
Caldwell, Missouri 1 $ 52,000 $ 52,000 $ 70,000
Carroll, Missouri 1 $ 43,000 $ 43,000 $ 95,000
Christian, Missouri 1 $ 53,000 $ 53,000 $ 47,000
Dallas, Missouri 1 $ 58,000 $ 58,000 $ 20,000
Daviess, Missouri 1 $ 35,000 $ 35,000 $ 41,000
Franklin, Missouri 1 $ 80,000 $ 80,000 $ 132,000
Gentry, Missouri 1 $ 58,000 $ 58,000 $ 51,000
Howard, Missouri 1 $ 24,000 $ 24,000 $ 56,000
Lewis, Missouri 1 $ 63,000 $ 63,000 $ 27,000
Linn, Missouri 1 $ 30,000 $ 30,000 $ 108,000
Livingston, Missouri 1 $ 49,000 $ 49,000 $ 44,000
Macon, Missouri 1 $ 85,000 $ 85,000 $ 72,000
Madison, Missouri 1 $ 60,000 $ 60,000 $ 181,000
Marion, Missouri 1 $ 16,000 $ 16,000 $ 64,000
Miller, Missouri 1 $ 30,000 $ 30,000 $ 25,000
Ozark, Missouri 1 $ 34,000 $ 34,000 $ 22,000
Pemiscot, Missouri 1 $ 32,000 $ 32,000 $ 30,000
Platte, Missouri 1 $ 19,000 $ 19,000 $ 16,000
Polk, Missouri 1 $ 79,000 $ 79,000 $ 79,000
Ralls, Missouri 1 $ 35,000 $ 35,000 $ 30,000
Ripley, Missouri 1 $ 18,000 $ 18,000 $ 55,000
Saline, Missouri 1 $ 25,000 $ 25,000 $ 23,000
Scott, Missouri 1 $ 30,000 $ 30,000 $ 28,000
St. Clair, Missouri 1 $ 31,000 $ 31,000 $ 28,000
St. Francois, Missouri 1 $ 34,000 $ 34,000 $ 47,000
St. Louis City, Missouri 1 $ 68,000 $ 68,000 $ 60,000
Texas, Missouri 1 $ 60,000 $ 60,000 $ 72,000
Vernon, Missouri 1 $ 72,000 $ 72,000 $ 56,000
Warren, Missouri 1 $ 44,000 $ 44,000 $ 20,000
Washington, Missouri 1 $ 16,000 $ 16,000 $ 19,000
Wayne, Missouri 1 $ 42,000 $ 42,000 $ 16,000
Webster, Missouri 1 $ 61,000 $ 61,000 $ 52,000
Sarpy, Nebraska 1 $ 45,000 $ 45,000 $ 36,000
Adams, North Dakota 1 $ 122,000 $ 122,000 $ 77,000
Emmons, North Dakota 1 $ 40,000 $ 40,000 $ 101,000
Grand Forks, North Dakota 1 $ 92,000 $ 92,000 $ 62,000
Grant, North Dakota 1 $ 68,000 $ 68,000 $ 51,000
Kidder, North Dakota 1 $ 66,000 $ 66,000 $ 51,000
McLean, North Dakota 1 $ 65,000 $ 65,000 $ 51,000
Mercer, North Dakota 1 $ 98,000 $ 98,000 $ 109,000
Mountrail, North Dakota 1 $ 73,000 $ 73,000 $ 63,000
Pembina, North Dakota 1 $ 69,000 $ 69,000 $ 67,000
Stark, North Dakota 1 $ 67,000 $ 67,000 $ 118,000
Stutsman, North Dakota 1 $ 115,000 $ 115,000 $ 103,000
Walsh, North Dakota 1 $ 50,000 $ 50,000 $ 38,000
Ward, North Dakota 1 $ 121,000 $ 121,000 $ 64,000
Wells, North Dakota 1 $ 65,000 $ 65,000 $ 85,000
Ashland, Ohio 1 $ 39,000 $ 39,000 $ 37,000
Clark, Ohio 1 $ 41,000 $ 41,000 $ 36,000
Gallia, Ohio 1 $ 30,000 $ 30,000 $ 33,000
Greene, Ohio 1 $ 46,000 $ 46,000 $ 55,000
Hardin, Ohio 1 $ 46,000 $ 46,000 $ 60,000
Knox, Ohio 1 $ 63,000 $ 63,000 $ 102,000
Lawrence, Ohio 1 $ 75,000 $ 75,000 $ 76,000
Licking, Ohio 1 $ 24,000 $ 24,000 $ 41,000
Lorain, Ohio 1 $ 40,000 $ 40,000 $ 26,000
Meigs, Ohio 1 $ 41,000 $ 41,000 $ 32,000
Morgan, Ohio 1 $ 69,000 $ 69,000 $ 40,000
Pike, Ohio 1 $ 64,000 $ 64,000 $ 27,000
Ross, Ohio 1 $ 39,000 $ 39,000 $ 31,000
Vinton, Ohio 1 $ 39,000 $ 39,000 $ 38,000
Washington, Ohio 1 $ 53,000 $ 53,000 $ 70,000
Allegheny, Pennsylvania 1 $ 23,000 $ 23,000 $ 38,000
Berks, Pennsylvania 1 $ 23,000 $ 23,000 $ 33,000
Blair, Pennsylvania 1 $ 71,000 $ 71,000 $ 56,000
Centre, Pennsylvania 1 $ 52,000 $ 52,000 $ 38,000
Clarion, Pennsylvania 1 $ 44,000 $ 44,000 $ 38,000
Elk, Pennsylvania 1 $ 28,000 $ 28,000 $ 35,000
Erie, Pennsylvania 1 $ 42,000 $ 42,000 $ 36,000
Franklin, Pennsylvania 1 $ 77,000 $ 77,000 $ 55,000
Lehigh, Pennsylvania 1 $ 25,000 $ 25,000 $ 38,000
Luzerne, Pennsylvania 1 $ 71,000 $ 71,000 $ 49,000
Montgomery, Pennsylvania 1 $ 49,000 $ 49,000 $ 84,000
Somerset, Pennsylvania 1 $ 34,000 $ 34,000 $ 35,000
Warren, Pennsylvania 1 $ 40,000 $ 40,000 $ 21,000
Beaufort, South Carolina 1 $ 983,000 $ 983,000 $ 300,000
Bon Homme, South Dakota 1 $ 44,000 $ 44,000 $ 22,000
Brown, South Dakota 1 $ 49,000 $ 49,000 $ 54,000
Codington, South Dakota 1 $ 50,000 $ 50,000 $ 51,000
Corson, South Dakota 1 $ 66,000 $ 66,000 $ 40,000
Edmunds, South Dakota 1 $ 49,000 $ 49,000 $ 69,000
Lawrence, South Dakota 1 $ 58,000 $ 58,000 $ 40,000
Mellette, South Dakota 1 $ 45,000 $ 45,000 $ 30,000
Union, South Dakota 1 $ 81,000 $ 81,000 $ 44,000
Halifax, Virginia 1 $ 35,000 $ 35,000 $ 19,000
Wayne, West Virginia 1 $ 41,000 $ 41,000 $ 60,000
Adams, Wisconsin 1 $ 35,000 $ 35,000 $ 31,000
Crawford, Wisconsin 1 $ 50,000 $ 50,000 $ 65,000
Dodge, Wisconsin 1 $ 30,000 $ 30,000 $ 45,000
Douglas, Wisconsin 1 $ 47,000 $ 47,000 $ 61,000
Eau Claire, Wisconsin 1 $ 40,000 $ 40,000 $ 88,000
La Crosse, Wisconsin 1 $ 43,000 $ 43,000 $ 31,000
Polk, Wisconsin 1 $ 34,000 $ 34,000 $ 58,000
Vernon, Wisconsin 1 $ 45,000 $ 45,000 $ 54,000

Mortgage Loan Application Detail Totals for Centier Bank in 2007

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 1,733 $164,326,000 $94,000 $7,200,000 $62,000 $1,038,000
Refinancing 721 $68,199,000 $94,000 $983,000 $97,000 $957,000
Home Improvement 662 $25,029,000 $37,000 $471,000 $67,000 $954,000

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 2,356 $199,491,000 $84,000 $7,200,000 $75,000 $1,038,000
Black or African American 389 $27,352,000 $70,000 $544,000 $55,000 $432,000
Hispanic 173 $11,513,000 $66,000 $500,000 $61,000 $275,000
Not Provided 136 $9,963,000 $73,000 $500,000 $75,000 $498,000
Not applicable 34 $5,722,000 $168,000 $694,000 $0 $0
Asian 18 $3,071,000 $170,000 $495,000 $144,000 $711,000
American Indian or Alaskan Native 5 $309,000 $61,000 $96,000 $52,000 $113,000
Native Hawaiian or Other Pacific Islander 5 $133,000 $26,000 $45,000 $29,000 $48,000

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) 3,048 $248,685,000 $81,000 $7,200,000 $72,000 $1,038,000
FHA-insured (Federal Housing Administration) 68 $8,869,000 $130,000 $271,000 $49,000 $91,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

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 1,776 $163,607,000 $92,000 $7,200,000 $81,000 $1,038,000
Application Denied By Financial Institution 555 $31,312,000 $56,000 $520,000 $58,000 $953,000
Application Approved But Not Accepted 486 $27,985,000 $57,000 $475,000 $59,000 $955,000
Preapproval Denied by Financial Institution 129 $16,433,000 $127,000 $600,000 $45,000 $181,000
Application Withdrawn By Applicant 111 $10,988,000 $98,000 $525,000 $70,000 $432,000
File Closed For Incompleteness 56 $6,895,000 $123,000 $544,000 $69,000 $323,000
Preapproval Approved but not Accepted 3 $334,000 $111,000 $144,000 $62,000 $74,000
Loan Purchased By The 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
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Debt-To-Income Ratio 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Centier Bank's 2007 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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