Centier Bank Mortgage Lending & HMDA Data, 2010

In 2010, Centier Bank of Merrillville, IN reported 3,450 mortgage applications totaling $297.4 million, down 13% from 2009. The average application was for $86,190, and applicants reported an average income of $65,608. 59% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Gary, IN (1,661), Philadelphia, PA (66) and Minneapolis-St. Paul-Bloomington, MN-WI (58) (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 3,450
Total Mortgage Loan Application Amount $297,357,000
Average Mortgage Loan Application Amount $86,190
Highest Mortgage Loan Application Amount $1,497,000
Average Applicant Income $65,608
Highest Applicant Income $1,293,000

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Act (HMDA) records Centier Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2010

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Lake, Indiana 1,053 $ 113,503,000 $ 107,790 $ 73,000
Porter, Indiana 587 $ 78,712,000 $ 134,091 $ 91,000
LaPorte, Indiana 53 $ 6,218,000 $ 117,320 $ 110,000
Tippecanoe, Indiana 44 $ 6,345,000 $ 144,204 $ 21,000
Bucks, Pennsylvania 37 $ 2,175,000 $ 58,783 $ 53,000
Williams, North Dakota 27 $ 1,652,000 $ 61,185 $ 85,000
Cook, Illinois 22 $ 4,729,000 $ 214,954 $ 119,000
Elkhart, Indiana 22 $ 2,139,000 $ 97,227 $ 5,000
Marshall, Indiana 22 $ 2,269,000 $ 103,136 $ 58,000
Chester, Pennsylvania 22 $ 918,000 $ 41,727 $ 45,000
Portage, Ohio 19 $ 692,000 $ 36,421 $ 47,000
Sedgwick, Kansas 18 $ 799,000 $ 44,388 $ 56,000
Berks, Pennsylvania 18 $ 1,150,000 $ 63,888 $ 64,000
Lehigh, Pennsylvania 18 $ 996,000 $ 55,333 $ 52,000
Anoka, Minnesota 17 $ 667,000 $ 39,235 $ 54,000
Dakota, Minnesota 16 $ 587,000 $ 36,687 $ 50,000
York, Pennsylvania 16 $ 903,000 $ 56,437 $ 52,000
Jasper, Indiana 14 $ 1,902,000 $ 135,857 $ 75,000
Boone, Illinois 13 $ 683,000 $ 52,538 $ 60,000
Pike, Kentucky 13 $ 783,000 $ 60,230 $ 54,000
Anne Arundel, Maryland 13 $ 697,000 $ 53,615 $ 52,000
Howard, Maryland 13 $ 599,000 $ 46,076 $ 50,000
Lancaster, Pennsylvania 13 $ 588,000 $ 45,230 $ 42,000
Champaign, Illinois 11 $ 552,000 $ 50,181 $ 40,000
McLean, Illinois 11 $ 410,000 $ 37,272 $ 55,000
Sangamon, Illinois 11 $ 702,000 $ 63,818 $ 68,000
Saratoga, New York 11 $ 529,000 $ 48,090 $ 44,000
Wood, Ohio 10 $ 392,000 $ 39,200 $ 41,000
Kent, Delaware 9 $ 406,000 $ 45,111 $ 43,000
Washtenaw, Michigan 9 $ 333,000 $ 37,000 $ 60,000
Ramsey, Minnesota 9 $ 365,000 $ 40,555 $ 46,000
Washington, Pennsylvania 9 $ 433,000 $ 48,111 $ 91,000
St. Clair, Illinois 8 $ 395,000 $ 49,375 $ 65,000
Allen, Indiana 8 $ 821,000 $ 102,625 $ 5,000
Monroe, Michigan 8 $ 241,000 $ 30,125 $ 37,000
Oakland, Michigan 8 $ 237,000 $ 29,625 $ 42,000
Wayne, Michigan 8 $ 278,000 $ 34,750 $ 44,000
Jefferson, Missouri 8 $ 312,000 $ 39,000 $ 45,000
Dauphin, Pennsylvania 8 $ 386,000 $ 48,250 $ 43,000
Newton, Indiana 7 $ 383,000 $ 54,714 $ 57,000
Letcher, Kentucky 7 $ 350,000 $ 50,000 $ 67,000
Kent, Michigan 7 $ 188,000 $ 26,857 $ 30,000
Macomb, Michigan 7 $ 200,000 $ 28,571 $ 56,000
Burleigh, North Dakota 7 $ 354,000 $ 50,571 $ 54,000
Ward, North Dakota 7 $ 537,000 $ 76,714 $ 55,000
Columbiana, Ohio 7 $ 291,000 $ 41,571 $ 55,000
Butler, Pennsylvania 7 $ 270,000 $ 38,571 $ 43,000
Northampton, Pennsylvania 7 $ 305,000 $ 43,571 $ 48,000
Lewis, West Virginia 7 $ 331,000 $ 47,285 $ 44,000
Marion, Indiana 6 $ 254,000 $ 42,333 $ 39,000
Linn, Iowa 6 $ 280,000 $ 46,666 $ 56,000
Pottawattamie, Iowa 6 $ 185,000 $ 30,833 $ 42,000
Butler, Kansas 6 $ 459,000 $ 76,500 $ 67,000
Breathitt, Kentucky 6 $ 300,000 $ 50,000 $ 39,000
Knott, Kentucky 6 $ 310,000 $ 51,666 $ 81,000
Jefferson, New York 6 $ 291,000 $ 48,500 $ 56,000
Adams, Ohio 6 $ 221,000 $ 36,833 $ 35,000
Lucas, Ohio 6 $ 220,000 $ 36,666 $ 62,000
Ross, Ohio 6 $ 181,000 $ 30,166 $ 35,000
Trumbull, Ohio 6 $ 140,000 $ 23,333 $ 47,000
Cumberland, Pennsylvania 6 $ 349,000 $ 58,166 $ 45,000
Montgomery, Pennsylvania 6 $ 319,000 $ 53,166 $ 40,000
Pennington, South Dakota 6 $ 264,000 $ 44,000 $ 54,000
New Castle, Delaware 5 $ 161,000 $ 32,200 $ 53,000
Kankakee, Illinois 5 $ 262,000 $ 52,400 $ 59,000
Madison, Illinois 5 $ 317,000 $ 63,400 $ 49,000
Starke, Indiana 5 $ 449,000 $ 89,800 $ 68,000
Wyandotte, Kansas 5 $ 159,000 $ 31,800 $ 46,000
Laurel, Kentucky 5 $ 185,000 $ 37,000 $ 35,000
Livingston, Michigan 5 $ 174,000 $ 34,800 $ 41,000
Wright, Minnesota 5 $ 203,000 $ 40,600 $ 30,000
Clay, Missouri 5 $ 199,000 $ 39,800 $ 48,000
St. Charles, Missouri 5 $ 236,000 $ 47,200 $ 37,000
Cattaraugus, New York 5 $ 174,000 $ 34,800 $ 39,000
Franklin, Ohio 5 $ 126,000 $ 25,200 $ 32,000
Lake, Ohio 5 $ 300,000 $ 60,000 $ 58,000
Lorain, Ohio 5 $ 173,000 $ 34,600 $ 40,000
Stark, Ohio 5 $ 136,000 $ 27,200 $ 63,000
Adams, Pennsylvania 5 $ 301,000 $ 60,200 $ 36,000
Effingham, Illinois 4 $ 148,000 $ 37,000 $ 54,000
Franklin, Illinois 4 $ 242,000 $ 60,500 $ 38,000
Jefferson, Illinois 4 $ 206,000 $ 51,500 $ 45,000
Harrison, Indiana 4 $ 177,000 $ 44,250 $ 34,000
Kosciusko, Indiana 4 $ 188,000 $ 47,000 $ 84,000
St. Joseph, Indiana 4 $ 554,000 $ 138,500 $ 37,000
Vanderburgh, Indiana 4 $ 128,000 $ 32,000 $ 36,000
Black Hawk, Iowa 4 $ 207,000 $ 51,750 $ 40,000
Scott, Iowa 4 $ 170,000 $ 42,500 $ 58,000
Pottawatomie, Kansas 4 $ 148,000 $ 37,000 $ 80,000
Riley, Kansas 4 $ 166,000 $ 41,500 $ 48,000
Adair, Kentucky 4 $ 156,000 $ 39,000 $ 38,000
Floyd, Kentucky 4 $ 245,000 $ 61,250 $ 47,000
Johnson, Kentucky 4 $ 240,000 $ 60,000 $ 73,000
Lawrence, Kentucky 4 $ 190,000 $ 47,500 $ 34,000
Magoffin, Kentucky 4 $ 277,000 $ 69,250 $ 44,000
Washington, Maryland 4 $ 144,000 $ 36,000 $ 50,000
Berrien, Michigan 4 $ 511,000 $ 127,750 $ 274,000
Genesee, Michigan 4 $ 151,000 $ 37,750 $ 51,000
Grand Traverse, Michigan 4 $ 95,000 $ 23,750 $ 46,000
Stearns, Minnesota 4 $ 223,000 $ 55,750 $ 44,000
Boone, Missouri 4 $ 127,000 $ 31,750 $ 42,000
Camden, Missouri 4 $ 108,000 $ 27,000 $ 42,000
Cape Girardeau, Missouri 4 $ 189,000 $ 47,250 $ 67,000
Dallas, Missouri 4 $ 252,000 $ 63,000 $ 50,000
Dunklin, Missouri 4 $ 220,000 $ 55,000 $ 30,000
Howell, Missouri 4 $ 148,000 $ 37,000 $ 38,000
Jackson, Missouri 4 $ 127,000 $ 31,750 $ 50,000
Lincoln, Missouri 4 $ 164,000 $ 41,000 $ 49,000
Newton, Missouri 4 $ 213,000 $ 53,250 $ 61,000
Taney, Missouri 4 $ 164,000 $ 41,000 $ 40,000
Douglas, Nebraska 4 $ 134,000 $ 33,500 $ 39,000
Chenango, New York 4 $ 306,000 $ 76,500 $ 68,000
Clinton, New York 4 $ 148,000 $ 37,000 $ 47,000
Otsego, New York 4 $ 177,000 $ 44,250 $ 52,000
St. Lawrence, New York 4 $ 296,000 $ 74,000 $ 58,000
Tioga, New York 4 $ 190,000 $ 47,500 $ 38,000
Mountrail, North Dakota 4 $ 309,000 $ 77,250 $ 67,000
Stark, North Dakota 4 $ 219,000 $ 54,750 $ 50,000
Athens, Ohio 4 $ 99,000 $ 24,750 $ 44,000
Butler, Ohio 4 $ 167,000 $ 41,750 $ 51,000
Clermont, Ohio 4 $ 117,000 $ 29,250 $ 31,000
Clinton, Ohio 4 $ 134,000 $ 33,500 $ 43,000
Coshocton, Ohio 4 $ 167,000 $ 41,750 $ 40,000
Fulton, Ohio 4 $ 109,000 $ 27,250 $ 38,000
Scioto, Ohio 4 $ 170,000 $ 42,500 $ 34,000
Wayne, Ohio 4 $ 117,000 $ 29,250 $ 32,000
Bradford, Pennsylvania 4 $ 210,000 $ 52,500 $ 40,000
Franklin, Pennsylvania 4 $ 214,000 $ 53,500 $ 56,000
Meade, South Dakota 4 $ 189,000 $ 47,250 $ 68,000
Minnehaha, South Dakota 4 $ 178,000 $ 44,500 $ 37,000
Tazewell, Virginia 4 $ 229,000 $ 57,250 $ 71,000
Mercer, West Virginia 4 $ 213,000 $ 53,250 $ 53,000
Campbell, Wyoming 4 $ 147,000 $ 36,750 $ 156,000
LaSalle, Illinois 3 $ 164,000 $ 54,666 $ 38,000
Perry, Illinois 3 $ 258,000 $ 86,000 $ 62,000
Will, Illinois 3 $ 343,000 $ 114,333 $ 61,000
Carroll, Indiana 3 $ 346,000 $ 115,333 $ 225,000
White, Indiana 3 $ 350,000 $ 116,666 $ 167,000
Dubuque, Iowa 3 $ 141,000 $ 47,000 $ 40,000
Grundy, Iowa 3 $ 172,000 $ 57,333 $ 37,000
Johnson, Iowa 3 $ 126,000 $ 42,000 $ 51,000
Polk, Iowa 3 $ 134,000 $ 44,666 $ 34,000
Story, Iowa 3 $ 122,000 $ 40,666 $ 46,000
Bourbon, Kansas 3 $ 109,000 $ 36,333 $ 57,000
Crawford, Kansas 3 $ 132,000 $ 44,000 $ 61,000
Montgomery, Kansas 3 $ 237,000 $ 79,000 $ 85,000
Saline, Kansas 3 $ 219,000 $ 73,000 $ 70,000
Shawnee, Kansas 3 $ 191,000 $ 63,666 $ 60,000
Clay, Kentucky 3 $ 80,000 $ 26,666 $ 24,000
Nelson, Kentucky 3 $ 79,000 $ 26,333 $ 35,000
Ohio, Kentucky 3 $ 146,000 $ 48,666 $ 44,000
Perry, Kentucky 3 $ 167,000 $ 55,666 $ 40,000
Russell, Kentucky 3 $ 132,000 $ 44,000 $ 42,000
Baltimore, Maryland 3 $ 191,000 $ 63,666 $ 75,000
Allegan, Michigan 3 $ 100,000 $ 33,333 $ 37,000
Bay, Michigan 3 $ 80,000 $ 26,666 $ 41,000
Jackson, Michigan 3 $ 129,000 $ 43,000 $ 48,000
Oceana, Michigan 3 $ 78,000 $ 26,000 $ 29,000
Ottawa, Michigan 3 $ 81,000 $ 27,000 $ 42,000
St. Clair, Michigan 3 $ 98,000 $ 32,666 $ 81,000
Carver, Minnesota 3 $ 97,000 $ 32,333 $ 47,000
Olmsted, Minnesota 3 $ 92,000 $ 30,666 $ 29,000
Pennington, Minnesota 3 $ 72,000 $ 24,000 $ 44,000
Dent, Missouri 3 $ 185,000 $ 61,666 $ 54,000
Laclede, Missouri 3 $ 121,000 $ 40,333 $ 46,000
Linn, Missouri 3 $ 114,000 $ 38,000 $ 44,000
Scott, Missouri 3 $ 192,000 $ 64,000 $ 83,000
Flathead, Montana 3 $ 144,000 $ 48,000 $ 52,000
Allegany, New York 3 $ 142,000 $ 47,333 $ 58,000
Columbia, New York 3 $ 197,000 $ 65,666 $ 62,000
Dutchess, New York 3 $ 250,000 $ 83,333 $ 113,000
Greene, New York 3 $ 150,000 $ 50,000 $ 47,000
Oneida, New York 3 $ 91,000 $ 30,333 $ 40,000
Cass, North Dakota 3 $ 94,000 $ 31,333 $ 34,000
Grand Forks, North Dakota 3 $ 223,000 $ 74,333 $ 50,000
McHenry, North Dakota 3 $ 153,000 $ 51,000 $ 39,000
McKenzie, North Dakota 3 $ 299,000 $ 99,666 $ 64,000
Sargent, North Dakota 3 $ 299,000 $ 99,666 $ 96,000
Allen, Ohio 3 $ 73,000 $ 24,333 $ 32,000
Belmont, Ohio 3 $ 135,000 $ 45,000 $ 31,000
Hamilton, Ohio 3 $ 82,000 $ 27,333 $ 59,000
Hancock, Ohio 3 $ 64,000 $ 21,333 $ 30,000
Muskingum, Ohio 3 $ 85,000 $ 28,333 $ 40,000
Allegheny, Pennsylvania 3 $ 144,000 $ 48,000 $ 52,000
Carbon, Pennsylvania 3 $ 117,000 $ 39,000 $ 34,000
Clearfield, Pennsylvania 3 $ 94,000 $ 31,333 $ 38,000
Erie, Pennsylvania 3 $ 136,000 $ 45,333 $ 39,000
Fayette, Pennsylvania 3 $ 81,000 $ 27,000 $ 31,000
Greene, Pennsylvania 3 $ 135,000 $ 45,000 $ 52,000
Lebanon, Pennsylvania 3 $ 156,000 $ 52,000 $ 48,000
Luzerne, Pennsylvania 3 $ 163,000 $ 54,333 $ 59,000
Northumberland, Pennsylvania 3 $ 80,000 $ 26,666 $ 39,000
Perry, Pennsylvania 3 $ 126,000 $ 42,000 $ 54,000
Schuylkill, Pennsylvania 3 $ 181,000 $ 60,333 $ 61,000
Westmoreland, Pennsylvania 3 $ 197,000 $ 65,666 $ 73,000
Hand, South Dakota 3 $ 209,000 $ 69,666 $ 59,000
Washington, Vermont 3 $ 138,000 $ 46,000 $ 55,000
Harrison, West Virginia 3 $ 147,000 $ 49,000 $ 40,000
Kanawha, West Virginia 3 $ 91,000 $ 30,333 $ 32,000
Nicholas, West Virginia 3 $ 106,000 $ 35,333 $ 67,000
Kenosha, Wisconsin 3 $ 109,000 $ 36,333 $ 41,000
Bannock, Idaho 2 $ 49,000 $ 24,500 $ 36,000
Jasper, Illinois 2 $ 82,000 $ 41,000 $ 21,000
Union, Illinois 2 $ 102,000 $ 51,000 $ 76,000
Williamson, Illinois 2 $ 97,000 $ 48,500 $ 24,000
Brown, Indiana 2 $ 130,000 $ 65,000 $ 46,000
Clark, Indiana 2 $ 110,000 $ 55,000 $ 35,000
Hamilton, Indiana 2 $ 277,000 $ 138,500 $ 87,000
Jackson, Indiana 2 $ 85,000 $ 42,500 $ 48,000
Pulaski, Indiana 2 $ 335,000 $ 167,500 $ 64,000
Washington, Indiana 2 $ 69,000 $ 34,500 $ 88,000
Wayne, Indiana 2 $ 80,000 $ 40,000 $ 53,000
Whitley, Indiana 2 $ 284,000 $ 142,000 $ 309,000
Plymouth, Iowa 2 $ 51,000 $ 25,500 $ 39,000
Warren, Iowa 2 $ 118,000 $ 59,000 $ 63,000
Cowley, Kansas 2 $ 142,000 $ 71,000 $ 44,000
Ford, Kansas 2 $ 118,000 $ 59,000 $ 66,000
Franklin, Kansas 2 $ 103,000 $ 51,500 $ 26,000
Jefferson, Kansas 2 $ 74,000 $ 37,000 $ 35,000
Kingman, Kansas 2 $ 164,000 $ 82,000 $ 71,000
Marion, Kansas 2 $ 115,000 $ 57,500 $ 60,000
Reno, Kansas 2 $ 153,000 $ 76,500 $ 80,000
Stafford, Kansas 2 $ 191,000 $ 95,500 $ 56,000
Wilson, Kansas 2 $ 41,000 $ 20,500 $ 27,000
Bath, Kentucky 2 $ 186,000 $ 93,000 $ 74,000
Bell, Kentucky 2 $ 98,000 $ 49,000 $ 45,000
Boone, Kentucky 2 $ 96,000 $ 48,000 $ 57,000
Casey, Kentucky 2 $ 127,000 $ 63,500 $ 41,000
Greenup, Kentucky 2 $ 69,000 $ 34,500 $ 28,000
Hart, Kentucky 2 $ 77,000 $ 38,500 $ 41,000
Leslie, Kentucky 2 $ 59,000 $ 29,500 $ 29,000
Muhlenberg, Kentucky 2 $ 84,000 $ 42,000 $ 44,000
Pendleton, Kentucky 2 $ 88,000 $ 44,000 $ 53,000
Pulaski, Kentucky 2 $ 86,000 $ 43,000 $ 40,000
Wayne, Kentucky 2 $ 64,000 $ 32,000 $ 22,000
Penobscot, Maine 2 $ 107,000 $ 53,500 $ 54,000
Harford, Maryland 2 $ 106,000 $ 53,000 $ 32,000
Calhoun, Michigan 2 $ 78,000 $ 39,000 $ 47,000
Clinton, Michigan 2 $ 44,000 $ 22,000 $ 43,000
Eaton, Michigan 2 $ 108,000 $ 54,000 $ 33,000
Hillsdale, Michigan 2 $ 45,000 $ 22,500 $ 35,000
Ingham, Michigan 2 $ 93,000 $ 46,500 $ 58,000
Kalamazoo, Michigan 2 $ 135,000 $ 67,500 $ 69,000
Blue Earth, Minnesota 2 $ 81,000 $ 40,500 $ 33,000
Chisago, Minnesota 2 $ 69,000 $ 34,500 $ 70,000
McLeod, Minnesota 2 $ 140,000 $ 70,000 $ 38,000
Nicollet, Minnesota 2 $ 107,000 $ 53,500 $ 47,000
Sherburne, Minnesota 2 $ 79,000 $ 39,500 $ 49,000
Washington, Minnesota 2 $ 67,000 $ 33,500 $ 48,000
Benton, Missouri 2 $ 86,000 $ 43,000 $ 43,000
Callaway, Missouri 2 $ 78,000 $ 39,000 $ 43,000
Carroll, Missouri 2 $ 150,000 $ 75,000 $ 72,000
Cedar, Missouri 2 $ 134,000 $ 67,000 $ 24,000
Clinton, Missouri 2 $ 60,000 $ 30,000 $ 38,000
Greene, Missouri 2 $ 112,000 $ 56,000 $ 83,000
Grundy, Missouri 2 $ 109,000 $ 54,500 $ 37,000
Lewis, Missouri 2 $ 103,000 $ 51,500 $ 70,000
McDonald, Missouri 2 $ 52,000 $ 26,000 $ 43,000
Ralls, Missouri 2 $ 119,000 $ 59,500 $ 49,000
Ripley, Missouri 2 $ 79,000 $ 39,500 $ 51,000
St. Francois, Missouri 2 $ 106,000 $ 53,000 $ 68,000
Ste. Genevieve, Missouri 2 $ 100,000 $ 50,000 $ 49,000
Vernon, Missouri 2 $ 111,000 $ 55,500 $ 79,000
Washington, Missouri 2 $ 38,000 $ 19,000 $ 38,000
Toole, Montana 2 $ 200,000 $ 100,000 $ 92,000
Cayuga, New York 2 $ 106,000 $ 53,000 $ 73,000
Lewis, New York 2 $ 128,000 $ 64,000 $ 45,000
Madison, New York 2 $ 80,000 $ 40,000 $ 28,000
Onondaga, New York 2 $ 115,000 $ 57,500 $ 40,000
Orange, New York 2 $ 108,000 $ 54,000 $ 77,000
Steuben, New York 2 $ 71,000 $ 35,500 $ 39,000
Ulster, New York 2 $ 46,000 $ 23,000 $ 89,000
McIntosh, North Dakota 2 $ 201,000 $ 100,500 $ 84,000
Ramsey, North Dakota 2 $ 103,000 $ 51,500 $ 55,000
Ransom, North Dakota 2 $ 142,000 $ 71,000 $ 47,000
Stutsman, North Dakota 2 $ 111,000 $ 55,500 $ 76,000
Cuyahoga, Ohio 2 $ 44,000 $ 22,000 $ 30,000
Fairfield, Ohio 2 $ 68,000 $ 34,000 $ 62,000
Gallia, Ohio 2 $ 85,000 $ 42,500 $ 36,000
Geauga, Ohio 2 $ 91,000 $ 45,500 $ 32,000
Greene, Ohio 2 $ 87,000 $ 43,500 $ 63,000
Jackson, Ohio 2 $ 92,000 $ 46,000 $ 33,000
Jefferson, Ohio 2 $ 95,000 $ 47,500 $ 51,000
Licking, Ohio 2 $ 130,000 $ 65,000 $ 40,000
Meigs, Ohio 2 $ 116,000 $ 58,000 $ 27,000
Perry, Ohio 2 $ 75,000 $ 37,500 $ 33,000
Richland, Ohio 2 $ 80,000 $ 40,000 $ 83,000
Sandusky, Ohio 2 $ 88,000 $ 44,000 $ 68,000
Summit, Ohio 2 $ 57,000 $ 28,500 $ 39,000
Tuscarawas, Ohio 2 $ 57,000 $ 28,500 $ 27,000
Washington, Ohio 2 $ 76,000 $ 38,000 $ 32,000
Bedford, Pennsylvania 2 $ 98,000 $ 49,000 $ 44,000
Cambria, Pennsylvania 2 $ 88,000 $ 44,000 $ 90,000
Jefferson, Pennsylvania 2 $ 70,000 $ 35,000 $ 46,000
Lackawanna, Pennsylvania 2 $ 48,000 $ 24,000 $ 93,000
McKean, Pennsylvania 2 $ 79,000 $ 39,500 $ 24,000
Snyder, Pennsylvania 2 $ 75,000 $ 37,500 $ 39,000
Union, Pennsylvania 2 $ 94,000 $ 47,000 $ 48,000
Davison, South Dakota 2 $ 119,000 $ 59,500 $ 26,000
Lawrence, South Dakota 2 $ 90,000 $ 45,000 $ 106,000
Lamoille, Vermont 2 $ 46,000 $ 23,000 $ 33,000
Accomack, Virginia 2 $ 76,000 $ 38,000 $ 39,000
Buchanan, Virginia 2 $ 59,000 $ 29,500 $ 20,000
Dickenson, Virginia 2 $ 105,000 $ 52,500 $ 45,000
Franklin, Virginia 2 $ 76,000 $ 38,000 $ 41,000
Rockingham, Virginia 2 $ 93,000 $ 46,500 $ 36,000
Staunton, Virginia 2 $ 92,000 $ 46,000 $ 27,000
Wythe, Virginia 2 $ 80,000 $ 40,000 $ 25,000
Lincoln, West Virginia 2 $ 167,000 $ 83,500 $ 50,000
Logan, West Virginia 2 $ 105,000 $ 52,500 $ 66,000
McDowell, West Virginia 2 $ 106,000 $ 53,000 $ 78,000
Preston, West Virginia 2 $ 111,000 $ 55,500 $ 126,000
Randolph, West Virginia 2 $ 55,000 $ 27,500 $ 44,000
Roane, West Virginia 2 $ 90,000 $ 45,000 $ 39,000
Taylor, West Virginia 2 $ 72,000 $ 36,000 $ 55,000
Upshur, West Virginia 2 $ 63,000 $ 31,500 $ 28,000
Brown, Wisconsin 2 $ 71,000 $ 35,500 $ 47,000
Dane, Wisconsin 2 $ 134,000 $ 67,000 $ 33,000
Fond du Lac, Wisconsin 2 $ 51,000 $ 25,500 $ 34,000
Sauk, Wisconsin 2 $ 96,000 $ 48,000 $ 55,000
Fremont, Wyoming 2 $ 116,000 $ 58,000 $ 48,000
Sussex, Delaware 1 $ 48,000 $ 48,000 $ 46,000
Bay, Florida 1 $ 91,000 $ 91,000 $ 46,000
Manatee, Florida 1 $ 105,000 $ 105,000 $ 52,000
Polk, Florida 1 $ 33,000 $ 33,000 $ 26,000
Adams, Idaho 1 $ 119,000 $ 119,000 $ 49,000
Bonner, Idaho 1 $ 37,000 $ 37,000 $ 23,000
Owyhee, Idaho 1 $ 38,000 $ 38,000 $ 35,000
Alexander, Illinois 1 $ 44,000 $ 44,000 $ 27,000
Clay, Illinois 1 $ 31,000 $ 31,000 $ 46,000
Crawford, Illinois 1 $ 70,000 $ 70,000 $ 47,000
DuPage, Illinois 1 $ 798,000 $ 798,000 $ 402,000
Edgar, Illinois 1 $ 17,000 $ 17,000 $ 39,000
Fayette, Illinois 1 $ 26,000 $ 26,000 $ 65,000
Gallatin, Illinois 1 $ 98,000 $ 98,000 $ 49,000
Greene, Illinois 1 $ 53,000 $ 53,000 $ 35,000
Hancock, Illinois 1 $ 56,000 $ 56,000 $ 41,000
Hardin, Illinois 1 $ 98,000 $ 98,000 $ 82,000
Henderson, Illinois 1 $ 46,000 $ 46,000 $ 25,000
Jersey, Illinois 1 $ 95,000 $ 95,000 $ 96,000
Johnson, Illinois 1 $ 48,000 $ 48,000 $ 23,000
Lawrence, Illinois 1 $ 45,000 $ 45,000 $ 40,000
Lee, Illinois 1 $ 58,000 $ 58,000 $ 67,000
Livingston, Illinois 1 $ 32,000 $ 32,000 $ 34,000
Marion, Illinois 1 $ 72,000 $ 72,000 $ 24,000
Pike, Illinois 1 $ 74,000 $ 74,000 $ 39,000
Randolph, Illinois 1 $ 44,000 $ 44,000 $ 60,000
Washington, Illinois 1 $ 102,000 $ 102,000 $ 68,000
Wayne, Illinois 1 $ 70,000 $ 70,000 $ 39,000
Crawford, Indiana 1 $ 36,000 $ 36,000 $ 40,000
Dearborn, Indiana 1 $ 40,000 $ 40,000 $ 31,000
Dubois, Indiana 1 $ 27,000 $ 27,000 $ 23,000
Grant, Indiana 1 $ 28,000 $ 28,000 $ 19,000
Greene, Indiana 1 $ 37,000 $ 37,000 $ 18,000
Huntington, Indiana 1 $ 1,497,000 $ 1,497,000 $ 0
Jefferson, Indiana 1 $ 37,000 $ 37,000 $ 20,000
Knox, Indiana 1 $ 22,000 $ 22,000 $ 38,000
Lawrence, Indiana 1 $ 43,000 $ 43,000 $ 24,000
Madison, Indiana 1 $ 32,000 $ 32,000 $ 48,000
Monroe, Indiana 1 $ 24,000 $ 24,000 $ 29,000
Owen, Indiana 1 $ 51,000 $ 51,000 $ 28,000
Scott, Indiana 1 $ 21,000 $ 21,000 $ 34,000
Wabash, Indiana 1 $ 32,000 $ 32,000 $ 38,000
Boone, Iowa 1 $ 48,000 $ 48,000 $ 46,000
Cedar, Iowa 1 $ 87,000 $ 87,000 $ 96,000
Clinton, Iowa 1 $ 90,000 $ 90,000 $ 102,000
Dallas, Iowa 1 $ 28,000 $ 28,000 $ 34,000
Dickinson, Iowa 1 $ 51,000 $ 51,000 $ 81,000
Fremont, Iowa 1 $ 29,000 $ 29,000 $ 36,000
Hamilton, Iowa 1 $ 28,000 $ 28,000 $ 35,000
Howard, Iowa 1 $ 44,000 $ 44,000 $ 60,000
Jasper, Iowa 1 $ 21,000 $ 21,000 $ 79,000
Jones, Iowa 1 $ 42,000 $ 42,000 $ 17,000
Louisa, Iowa 1 $ 57,000 $ 57,000 $ 24,000
Marion, Iowa 1 $ 20,000 $ 20,000 $ 37,000
Muscatine, Iowa 1 $ 43,000 $ 43,000 $ 49,000
Van Buren, Iowa 1 $ 27,000 $ 27,000 $ 30,000
Wayne, Iowa 1 $ 87,000 $ 87,000 $ 71,000
Woodbury, Iowa 1 $ 24,000 $ 24,000 $ 75,000
Allen, Kansas 1 $ 44,000 $ 44,000 $ 38,000
Doniphan, Kansas 1 $ 34,000 $ 34,000 $ 96,000
Finney, Kansas 1 $ 74,000 $ 74,000 $ 43,000
Geary, Kansas 1 $ 42,000 $ 42,000 $ 51,000
Greenwood, Kansas 1 $ 31,000 $ 31,000 $ 29,000
Harper, Kansas 1 $ 47,000 $ 47,000 $ 31,000
Jackson, Kansas 1 $ 76,000 $ 76,000 $ 38,000
Johnson, Kansas 1 $ 58,000 $ 58,000 $ 56,000
Lyon, Kansas 1 $ 45,000 $ 45,000 $ 35,000
Mitchell, Kansas 1 $ 78,000 $ 78,000 $ 65,000
Morris, Kansas 1 $ 21,000 $ 21,000 $ 56,000
Pawnee, Kansas 1 $ 140,000 $ 140,000 $ 71,000
Seward, Kansas 1 $ 64,000 $ 64,000 $ 33,000
Stevens, Kansas 1 $ 33,000 $ 33,000 $ 62,000
Sumner, Kansas 1 $ 71,000 $ 71,000 $ 83,000
Wabaunsee, Kansas 1 $ 16,000 $ 16,000 $ 69,000
Woodson, Kansas 1 $ 86,000 $ 86,000 $ 51,000
Ballard, Kentucky 1 $ 63,000 $ 63,000 $ 41,000
Barren, Kentucky 1 $ 56,000 $ 56,000 $ 28,000
Boyd, Kentucky 1 $ 54,000 $ 54,000 $ 32,000
Boyle, Kentucky 1 $ 42,000 $ 42,000 $ 39,000
Bracken, Kentucky 1 $ 39,000 $ 39,000 $ 72,000
Bullitt, Kentucky 1 $ 48,000 $ 48,000 $ 45,000
Butler, Kentucky 1 $ 39,000 $ 39,000 $ 66,000
Carlisle, Kentucky 1 $ 31,000 $ 31,000 $ 61,000
Carter, Kentucky 1 $ 45,000 $ 45,000 $ 50,000
Clinton, Kentucky 1 $ 81,000 $ 81,000 $ 48,000
Cumberland, Kentucky 1 $ 64,000 $ 64,000 $ 122,000
Fleming, Kentucky 1 $ 55,000 $ 55,000 $ 42,000
Gallatin, Kentucky 1 $ 33,000 $ 33,000 $ 18,000
Hardin, Kentucky 1 $ 13,000 $ 13,000 $ 31,000
Harlan, Kentucky 1 $ 30,000 $ 30,000 $ 17,000
Harrison, Kentucky 1 $ 70,000 $ 70,000 $ 50,000
Hopkins, Kentucky 1 $ 42,000 $ 42,000 $ 53,000
Jefferson, Kentucky 1 $ 24,000 $ 24,000 $ 42,000
Knox, Kentucky 1 $ 11,000 $ 11,000 $ 40,000
Lewis, Kentucky 1 $ 60,000 $ 60,000 $ 36,000
Logan, Kentucky 1 $ 36,000 $ 36,000 $ 50,000
Madison, Kentucky 1 $ 21,000 $ 21,000 $ 18,000
Marion, Kentucky 1 $ 48,000 $ 48,000 $ 39,000
Martin, Kentucky 1 $ 63,000 $ 63,000 $ 43,000
Menifee, Kentucky 1 $ 41,000 $ 41,000 $ 46,000
Metcalfe, Kentucky 1 $ 27,000 $ 27,000 $ 38,000
Monroe, Kentucky 1 $ 57,000 $ 57,000 $ 34,000
Montgomery, Kentucky 1 $ 32,000 $ 32,000 $ 42,000
Powell, Kentucky 1 $ 50,000 $ 50,000 $ 29,000
Scott, Kentucky 1 $ 38,000 $ 38,000 $ 33,000
Warren, Kentucky 1 $ 21,000 $ 21,000 $ 56,000
Washington, Kentucky 1 $ 29,000 $ 29,000 $ 19,000
Webster, Kentucky 1 $ 52,000 $ 52,000 $ 70,000
Whitley, Kentucky 1 $ 53,000 $ 53,000 $ 23,000
Wolfe, Kentucky 1 $ 46,000 $ 46,000 $ 24,000
Hancock, Maine 1 $ 31,000 $ 31,000 $ 35,000
Kennebec, Maine 1 $ 27,000 $ 27,000 $ 96,000
Waldo, Maine 1 $ 40,000 $ 40,000 $ 88,000
Carroll, Maryland 1 $ 42,000 $ 42,000 $ 42,000
Prince George's, Maryland 1 $ 51,000 $ 51,000 $ 57,000
Somerset, Maryland 1 $ 31,000 $ 31,000 $ 50,000
St. Mary's, Maryland 1 $ 62,000 $ 62,000 $ 200,000
Worcester, Maryland 1 $ 43,000 $ 43,000 $ 61,000
Alcona, Michigan 1 $ 34,000 $ 34,000 $ 160,000
Barry, Michigan 1 $ 31,000 $ 31,000 $ 36,000
Branch, Michigan 1 $ 37,000 $ 37,000 $ 75,000
Cass, Michigan 1 $ 37,000 $ 37,000 $ 23,000
Gladwin, Michigan 1 $ 33,000 $ 33,000 $ 78,000
Gratiot, Michigan 1 $ 26,000 $ 26,000 $ 23,000
Ionia, Michigan 1 $ 31,000 $ 31,000 $ 32,000
Lenawee, Michigan 1 $ 31,000 $ 31,000 $ 33,000
Missaukee, Michigan 1 $ 40,000 $ 40,000 $ 35,000
Muskegon, Michigan 1 $ 26,000 $ 26,000 $ 63,000
Osceola, Michigan 1 $ 36,000 $ 36,000 $ 25,000
Otsego, Michigan 1 $ 28,000 $ 28,000 $ 50,000
St. Joseph, Michigan 1 $ 35,000 $ 35,000 $ 20,000
Van Buren, Michigan 1 $ 353,000 $ 353,000 $ 0
Clay, Minnesota 1 $ 105,000 $ 105,000 $ 116,000
Crow Wing, Minnesota 1 $ 22,000 $ 22,000 $ 26,000
Dodge, Minnesota 1 $ 40,000 $ 40,000 $ 88,000
Goodhue, Minnesota 1 $ 32,000 $ 32,000 $ 34,000
Grant, Minnesota 1 $ 52,000 $ 52,000 $ 62,000
Kanabec, Minnesota 1 $ 25,000 $ 25,000 $ 32,000
Kandiyohi, Minnesota 1 $ 56,000 $ 56,000 $ 66,000
Martin, Minnesota 1 $ 31,000 $ 31,000 $ 34,000
Mille Lacs, Minnesota 1 $ 92,000 $ 92,000 $ 45,000
Murray, Minnesota 1 $ 80,000 $ 80,000 $ 88,000
Norman, Minnesota 1 $ 85,000 $ 85,000 $ 110,000
Scott, Minnesota 1 $ 63,000 $ 63,000 $ 58,000
Steele, Minnesota 1 $ 59,000 $ 59,000 $ 55,000
Wabasha, Minnesota 1 $ 29,000 $ 29,000 $ 44,000
Wilkin, Minnesota 1 $ 36,000 $ 36,000 $ 34,000
Winona, Minnesota 1 $ 44,000 $ 44,000 $ 17,000
Adair, Missouri 1 $ 66,000 $ 66,000 $ 24,000
Barry, Missouri 1 $ 40,000 $ 40,000 $ 24,000
Barton, Missouri 1 $ 65,000 $ 65,000 $ 44,000
Caldwell, Missouri 1 $ 21,000 $ 21,000 $ 44,000
Carter, Missouri 1 $ 76,000 $ 76,000 $ 45,000
Cass, Missouri 1 $ 12,000 $ 12,000 $ 34,000
Crawford, Missouri 1 $ 74,000 $ 74,000 $ 37,000
Daviess, Missouri 1 $ 24,000 $ 24,000 $ 16,000
Franklin, Missouri 1 $ 32,000 $ 32,000 $ 70,000
Gasconade, Missouri 1 $ 31,000 $ 31,000 $ 47,000
Gentry, Missouri 1 $ 68,000 $ 68,000 $ 42,000
Henry, Missouri 1 $ 29,000 $ 29,000 $ 38,000
Hickory, Missouri 1 $ 19,000 $ 19,000 $ 72,000
Howard, Missouri 1 $ 32,000 $ 32,000 $ 46,000
Iron, Missouri 1 $ 54,000 $ 54,000 $ 23,000
Jasper, Missouri 1 $ 81,000 $ 81,000 $ 31,000
Johnson, Missouri 1 $ 59,000 $ 59,000 $ 79,000
Lawrence, Missouri 1 $ 14,000 $ 14,000 $ 19,000
Madison, Missouri 1 $ 40,000 $ 40,000 $ 27,000
Marion, Missouri 1 $ 42,000 $ 42,000 $ 23,000
Miller, Missouri 1 $ 37,000 $ 37,000 $ 24,000
Morgan, Missouri 1 $ 30,000 $ 30,000 $ 16,000
Perry, Missouri 1 $ 49,000 $ 49,000 $ 48,000
Pettis, Missouri 1 $ 36,000 $ 36,000 $ 57,000
Randolph, Missouri 1 $ 28,000 $ 28,000 $ 19,000
Saline, Missouri 1 $ 48,000 $ 48,000 $ 72,000
Shannon, Missouri 1 $ 37,000 $ 37,000 $ 36,000
St. Clair, Missouri 1 $ 21,000 $ 21,000 $ 59,000
Stoddard, Missouri 1 $ 73,000 $ 73,000 $ 71,000
Warren, Missouri 1 $ 41,000 $ 41,000 $ 59,000
Webster, Missouri 1 $ 44,000 $ 44,000 $ 40,000
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Mortgage Loan Application Detail Totals for Centier Bank in 2010

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 2,001 $129,509,000 $64,000 $997,000 $53,000 $845,000
Refinancing 1,121 $148,906,000 $132,000 $1,497,000 $88,000 $1,293,000
Home Improvement 328 $18,942,000 $57,000 $1,000,000 $66,000 $372,000

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 2,891 $245,977,000 $85,000 $1,353,000 $69,000 $1,293,000
Black or African American 163 $8,314,000 $51,000 $544,000 $56,000 $302,000
Not applicable 148 $19,924,000 $134,000 $1,497,000 $1,000 $234,000
Hispanic 141 $8,783,000 $62,000 $417,000 $60,000 $1,020,000
Not Provided 77 $10,296,000 $133,000 $942,000 $113,000 $678,000
Asian 23 $3,237,000 $140,000 $650,000 $69,000 $369,000
American Indian or Alaskan Native 7 $826,000 $118,000 $197,000 $75,000 $155,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0

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) 3,301 $276,479,000 $83,000 $1,497,000 $66,000 $1,293,000
FHA-insured (Federal Housing Administration) 149 $20,878,000 $140,000 $419,000 $66,000 $791,000
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 2,026 $196,093,000 $96,000 $1,497,000 $69,000 $1,168,000
Application Approved But Not Accepted 726 $37,537,000 $51,000 $600,000 $53,000 $480,000
Application Denied By Financial Institution 487 $38,665,000 $79,000 $942,000 $60,000 $1,293,000
Application Withdrawn By Applicant 174 $20,724,000 $119,000 $650,000 $81,000 $845,000
File Closed For Incompleteness 37 $4,338,000 $117,000 $345,000 $135,000 $1,020,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
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
Debt-To-Income Ratio 10 $1,776,000 $177,000 $319,000 $11,000 $115,000
Other 4 $721,000 $180,000 $253,000 $0 $0
Employment History 1 $81,000 $81,000 $81,000 $7,000 $7,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Centier Bank's 2010 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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