Centier Bank Mortgage Lending & HMDA Data, 2013

In 2013, Centier Bank of Merrillville, IN reported 4,709 mortgage applications totaling $427.9 million, up 15% from 2012. The average application was for $90,861, and applicants reported an average income of $71,805. 59% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Gary, IN (2,155), Lafayette, IN (168) and Philadelphia, PA (99) (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 4,709
Total Mortgage Loan Application Amount $427,866,000
Average Mortgage Loan Application Amount $90,861
Highest Mortgage Loan Application Amount $9,915,000
Average Applicant Income $71,805
Highest Applicant Income $4,230,000

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Act (HMDA) records Centier Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Lake, Indiana 1,328 $ 131,233,000 $ 98,820 $ 77,000
Porter, Indiana 780 $ 94,911,000 $ 121,680 $ 92,000
Tippecanoe, Indiana 147 $ 21,142,000 $ 143,823 $ 44,000
LaPorte, Indiana 90 $ 8,408,000 $ 93,422 $ 68,000
Bucks, Pennsylvania 54 $ 3,302,000 $ 61,148 $ 56,000
Berks, Pennsylvania 36 $ 1,971,000 $ 54,750 $ 50,000
Anoka, Minnesota 35 $ 1,568,000 $ 44,800 $ 46,000
Lancaster, Pennsylvania 34 $ 1,295,000 $ 38,088 $ 47,000
Jasper, Indiana 32 $ 3,615,000 $ 112,968 $ 127,000
Hamilton, Indiana 30 $ 6,517,000 $ 217,233 $ 199,000
St. Joseph, Indiana 27 $ 2,692,000 $ 99,703 $ 67,000
York, Pennsylvania 27 $ 1,098,000 $ 40,666 $ 48,000
Chester, Pennsylvania 26 $ 1,134,000 $ 43,615 $ 54,000
Marshall, Indiana 25 $ 1,688,000 $ 67,520 $ 72,000
Cook, Illinois 23 $ 5,777,000 $ 251,173 $ 85,000
Macomb, Michigan 23 $ 843,000 $ 36,652 $ 65,000
Allen, Indiana 22 $ 3,782,000 $ 171,909 $ 93,000
Anne Arundel, Maryland 22 $ 1,155,000 $ 52,500 $ 63,000
Carroll, Indiana 20 $ 2,165,000 $ 108,250 $ 58,000
Adams, Pennsylvania 20 $ 907,000 $ 45,350 $ 53,000
Montgomery, Pennsylvania 19 $ 1,238,000 $ 65,157 $ 51,000
White, Indiana 18 $ 1,987,000 $ 110,388 $ 106,000
Marion, Indiana 17 $ 4,748,000 $ 279,294 $ 137,000
Livingston, Michigan 17 $ 657,000 $ 38,647 $ 47,000
Ottawa, Michigan 16 $ 456,000 $ 28,500 $ 46,000
Franklin, Pennsylvania 16 $ 707,000 $ 44,187 $ 47,000
Newton, Indiana 15 $ 1,067,000 $ 71,133 $ 59,000
Monroe, Michigan 15 $ 554,000 $ 36,933 $ 51,000
Franklin, Ohio 15 $ 471,000 $ 31,400 $ 42,000
Dauphin, Pennsylvania 15 $ 553,000 $ 36,866 $ 43,000
Lehigh, Pennsylvania 15 $ 519,000 $ 34,600 $ 53,000
Sedgwick, Kansas 13 $ 854,000 $ 65,692 $ 59,000
Berkeley, West Virginia 13 $ 389,000 $ 29,923 $ 66,000
Howard, Maryland 12 $ 689,000 $ 57,416 $ 61,000
Oakland, Michigan 12 $ 327,000 $ 27,250 $ 45,000
Lebanon, Pennsylvania 12 $ 402,000 $ 33,500 $ 43,000
Monongalia, West Virginia 12 $ 500,000 $ 41,666 $ 64,000
Boone, Illinois 11 $ 670,000 $ 60,909 $ 46,000
Elkhart, Indiana 11 $ 2,669,000 $ 242,636 $ 30,000
Ramsey, Minnesota 11 $ 407,000 $ 37,000 $ 45,000
Saratoga, New York 11 $ 667,000 $ 60,636 $ 50,000
Stark, North Dakota 11 $ 1,019,000 $ 92,636 $ 83,000
Lorain, Ohio 11 $ 487,000 $ 44,272 $ 48,000
Butler, Pennsylvania 11 $ 539,000 $ 49,000 $ 79,000
Linn, Iowa 10 $ 438,000 $ 43,800 $ 56,000
Wayne, Michigan 10 $ 309,000 $ 30,900 $ 52,000
Ward, North Dakota 10 $ 803,000 $ 80,300 $ 156,000
Williams, North Dakota 10 $ 889,000 $ 88,900 $ 99,000
Belmont, Ohio 10 $ 478,000 $ 47,800 $ 41,000
Boone, Indiana 9 $ 3,325,000 $ 369,444 $ 191,000
Cass, Indiana 9 $ 588,000 $ 65,333 $ 39,000
Lenawee, Michigan 9 $ 211,000 $ 23,444 $ 54,000
Richland, Montana 9 $ 699,000 $ 77,666 $ 69,000
Cumberland, Pennsylvania 9 $ 404,000 $ 44,888 $ 50,000
Dakota, Minnesota 8 $ 371,000 $ 46,375 $ 57,000
Monroe, New York 8 $ 332,000 $ 41,500 $ 57,000
Ontario, New York 8 $ 403,000 $ 50,375 $ 53,000
Columbiana, Ohio 8 $ 412,000 $ 51,500 $ 74,000
Northumberland, Pennsylvania 8 $ 290,000 $ 36,250 $ 43,000
Sussex, Delaware 7 $ 475,000 $ 67,857 $ 144,000
Ada, Idaho 7 $ 178,000 $ 25,428 $ 60,000
Will, Illinois 7 $ 296,000 $ 42,285 $ 80,000
Starke, Indiana 7 $ 626,000 $ 89,428 $ 76,000
Kent, Michigan 7 $ 233,000 $ 33,285 $ 54,000
Vernon, Missouri 7 $ 316,000 $ 45,142 $ 48,000
Yellowstone, Montana 7 $ 340,000 $ 48,571 $ 52,000
Steuben, New York 7 $ 385,000 $ 55,000 $ 63,000
Centre, Pennsylvania 7 $ 228,000 $ 32,571 $ 40,000
Northampton, Pennsylvania 7 $ 230,000 $ 32,857 $ 48,000
Kankakee, Illinois 6 $ 308,000 $ 51,333 $ 58,000
Wright, Minnesota 6 $ 269,000 $ 44,833 $ 47,000
Greene, Missouri 6 $ 191,000 $ 31,833 $ 37,000
Howell, Missouri 6 $ 194,000 $ 32,333 $ 55,000
Scott, Missouri 6 $ 225,000 $ 37,500 $ 40,000
Albany, New York 6 $ 248,000 $ 41,333 $ 57,000
Oneida, New York 6 $ 353,000 $ 58,833 $ 63,000
Clark, Ohio 6 $ 157,000 $ 26,166 $ 58,000
Portage, Ohio 6 $ 215,000 $ 35,833 $ 51,000
Wood, Ohio 6 $ 263,000 $ 43,833 $ 43,000
Allegheny, Pennsylvania 6 $ 340,000 $ 56,666 $ 71,000
Schuylkill, Pennsylvania 6 $ 275,000 $ 45,833 $ 55,000
Minnehaha, South Dakota 6 $ 189,000 $ 31,500 $ 37,000
Stafford, Virginia 6 $ 193,000 $ 32,166 $ 35,000
Mercer, West Virginia 6 $ 261,000 $ 43,500 $ 57,000
Kane, Illinois 5 $ 14,159,000 $ 2,831,800 $ 0
McLean, Illinois 5 $ 199,000 $ 39,800 $ 33,000
Howard, Indiana 5 $ 252,000 $ 50,400 $ 50,000
Steuben, Indiana 5 $ 535,000 $ 107,000 $ 110,000
Pottawatomie, Kansas 5 $ 276,000 $ 55,200 $ 57,000
Muskegon, Michigan 5 $ 115,000 $ 23,000 $ 36,000
Scott, Minnesota 5 $ 152,000 $ 30,400 $ 27,000
Washington, Minnesota 5 $ 211,000 $ 42,200 $ 41,000
Jefferson, New York 5 $ 161,000 $ 32,200 $ 49,000
Orleans, New York 5 $ 269,000 $ 53,800 $ 43,000
St. Lawrence, New York 5 $ 319,000 $ 63,800 $ 47,000
Tioga, New York 5 $ 250,000 $ 50,000 $ 29,000
Morton, North Dakota 5 $ 656,000 $ 131,200 $ 100,000
Clermont, Ohio 5 $ 331,000 $ 66,200 $ 73,000
Clinton, Ohio 5 $ 247,000 $ 49,400 $ 65,000
Harrison, Ohio 5 $ 304,000 $ 60,800 $ 53,000
Lucas, Ohio 5 $ 167,000 $ 33,400 $ 94,000
Perry, Ohio 5 $ 265,000 $ 53,000 $ 56,000
Chittenden, Vermont 5 $ 257,000 $ 51,400 $ 55,000
Spotsylvania, Virginia 5 $ 117,000 $ 23,400 $ 48,000
Preston, West Virginia 5 $ 274,000 $ 54,800 $ 42,000
Raleigh, West Virginia 5 $ 297,000 $ 59,400 $ 85,000
New Castle, Delaware 4 $ 151,000 $ 37,750 $ 67,000
St. Clair, Illinois 4 $ 130,000 $ 32,500 $ 67,000
Delaware, Indiana 4 $ 804,000 $ 201,000 $ 18,000
Butler, Kansas 4 $ 358,000 $ 89,500 $ 52,000
Cowley, Kansas 4 $ 251,000 $ 62,750 $ 49,000
Marion, Kansas 4 $ 358,000 $ 89,500 $ 62,000
Sumner, Kansas 4 $ 394,000 $ 98,500 $ 108,000
Magoffin, Kentucky 4 $ 131,000 $ 32,750 $ 48,000
Prince George's, Maryland 4 $ 161,000 $ 40,250 $ 53,000
Washington, Maryland 4 $ 173,000 $ 43,250 $ 52,000
Washtenaw, Michigan 4 $ 141,000 $ 35,250 $ 52,000
St. Louis, Minnesota 4 $ 218,000 $ 54,500 $ 57,000
Cass, Missouri 4 $ 205,000 $ 51,250 $ 51,000
Jasper, Missouri 4 $ 222,000 $ 55,500 $ 50,000
Park, Montana 4 $ 262,000 $ 65,500 $ 130,000
Broome, New York 4 $ 129,000 $ 32,250 $ 48,000
Cattaraugus, New York 4 $ 145,000 $ 36,250 $ 35,000
Genesee, New York 4 $ 274,000 $ 68,500 $ 61,000
Greene, New York 4 $ 233,000 $ 58,250 $ 46,000
Madison, New York 4 $ 288,000 $ 72,000 $ 50,000
Tompkins, New York 4 $ 240,000 $ 60,000 $ 43,000
Burleigh, North Dakota 4 $ 273,000 $ 68,250 $ 72,000
Grand Forks, North Dakota 4 $ 277,000 $ 69,250 $ 50,000
McKenzie, North Dakota 4 $ 341,000 $ 85,250 $ 138,000
Butler, Ohio 4 $ 139,000 $ 34,750 $ 74,000
Hamilton, Ohio 4 $ 125,000 $ 31,250 $ 28,000
Lake, Ohio 4 $ 84,000 $ 21,000 $ 42,000
Tuscarawas, Ohio 4 $ 181,000 $ 45,250 $ 50,000
Wayne, Ohio 4 $ 139,000 $ 34,750 $ 37,000
Carbon, Pennsylvania 4 $ 153,000 $ 38,250 $ 66,000
Erie, Pennsylvania 4 $ 97,000 $ 24,250 $ 49,000
Westmoreland, Pennsylvania 4 $ 126,000 $ 31,500 $ 70,000
Washington, Vermont 4 $ 192,000 $ 48,000 $ 42,000
Augusta, Virginia 4 $ 145,000 $ 36,250 $ 36,000
Ritchie, West Virginia 4 $ 191,000 $ 47,750 $ 100,000
Kent, Delaware 3 $ 103,000 $ 34,333 $ 22,000
Jefferson, Illinois 3 $ 148,000 $ 49,333 $ 39,000
Madison, Illinois 3 $ 126,000 $ 42,000 $ 44,000
Sangamon, Illinois 3 $ 114,000 $ 38,000 $ 68,000
White, Illinois 3 $ 110,000 $ 36,666 $ 40,000
Kosciusko, Indiana 3 $ 2,500,000 $ 833,333 $ 0
Putnam, Indiana 3 $ 134,000 $ 44,666 $ 43,000
Black Hawk, Iowa 3 $ 92,000 $ 30,666 $ 33,000
Dickinson, Iowa 3 $ 141,000 $ 47,000 $ 59,000
Pottawattamie, Iowa 3 $ 93,000 $ 31,000 $ 39,000
Greenwood, Kansas 3 $ 278,000 $ 92,666 $ 52,000
Miami, Kansas 3 $ 125,000 $ 41,666 $ 60,000
Montgomery, Kansas 3 $ 147,000 $ 49,000 $ 59,000
Riley, Kansas 3 $ 140,000 $ 46,666 $ 44,000
Russell, Kentucky 3 $ 85,000 $ 28,333 $ 30,000
Kalamazoo, Michigan 3 $ 57,000 $ 19,000 $ 46,000
Carver, Minnesota 3 $ 157,000 $ 52,333 $ 63,000
Chisago, Minnesota 3 $ 129,000 $ 43,000 $ 55,000
Olmsted, Minnesota 3 $ 165,000 $ 55,000 $ 60,000
Pine, Minnesota 3 $ 83,000 $ 27,666 $ 54,000
Polk, Minnesota 3 $ 191,000 $ 63,666 $ 92,000
Boone, Missouri 3 $ 143,000 $ 47,666 $ 97,000
Henry, Missouri 3 $ 162,000 $ 54,000 $ 31,000
Jefferson, Missouri 3 $ 96,000 $ 32,000 $ 37,000
St. Charles, Missouri 3 $ 112,000 $ 37,333 $ 34,000
Dawson, Montana 3 $ 138,000 $ 46,000 $ 59,000
Douglas, Nebraska 3 $ 98,000 $ 32,666 $ 44,000
Allegany, New York 3 $ 147,000 $ 49,000 $ 42,000
Chenango, New York 3 $ 113,000 $ 37,666 $ 46,000
Franklin, New York 3 $ 270,000 $ 90,000 $ 48,000
Orange, New York 3 $ 175,000 $ 58,333 $ 49,000
Oswego, New York 3 $ 143,000 $ 47,666 $ 35,000
Otsego, New York 3 $ 173,000 $ 57,666 $ 52,000
Wayne, New York 3 $ 194,000 $ 64,666 $ 62,000
Adams, Ohio 3 $ 198,000 $ 66,000 $ 40,000
Fulton, Ohio 3 $ 92,000 $ 30,666 $ 70,000
Geauga, Ohio 3 $ 136,000 $ 45,333 $ 43,000
Jefferson, Ohio 3 $ 126,000 $ 42,000 $ 41,000
Muskingum, Ohio 3 $ 167,000 $ 55,666 $ 67,000
Stark, Ohio 3 $ 117,000 $ 39,000 $ 44,000
Trumbull, Ohio 3 $ 109,000 $ 36,333 $ 44,000
Cambria, Pennsylvania 3 $ 142,000 $ 47,333 $ 60,000
Clarion, Pennsylvania 3 $ 103,000 $ 34,333 $ 46,000
Fayette, Pennsylvania 3 $ 96,000 $ 32,000 $ 44,000
Indiana, Pennsylvania 3 $ 130,000 $ 43,333 $ 63,000
Luzerne, Pennsylvania 3 $ 149,000 $ 49,666 $ 55,000
Somerset, Pennsylvania 3 $ 152,000 $ 50,666 $ 43,000
Warren, Pennsylvania 3 $ 193,000 $ 64,333 $ 60,000
Brule, South Dakota 3 $ 258,000 $ 86,000 $ 74,000
Lincoln, South Dakota 3 $ 120,000 $ 40,000 $ 43,000
Carroll, Virginia 3 $ 79,000 $ 26,333 $ 29,000
Tazewell, Virginia 3 $ 134,000 $ 44,666 $ 51,000
Nicholas, West Virginia 3 $ 136,000 $ 45,333 $ 56,000
Brown, Wisconsin 3 $ 179,000 $ 59,666 $ 65,000
Dunn, Wisconsin 3 $ 111,000 $ 37,000 $ 36,000
Kenosha, Wisconsin 3 $ 78,000 $ 26,000 $ 69,000
Collier, Florida 2 $ 688,000 $ 344,000 $ 103,000
Lee, Florida 2 $ 505,000 $ 252,500 $ 201,000
Monroe, Florida 2 $ 1,042,000 $ 521,000 $ 225,000
Sarasota, Florida 2 $ 319,000 $ 159,500 $ 439,000
Bannock, Idaho 2 $ 57,000 $ 28,500 $ 36,000
Kootenai, Idaho 2 $ 69,000 $ 34,500 $ 46,000
Bureau, Illinois 2 $ 45,000 $ 22,500 $ 35,000
Champaign, Illinois 2 $ 94,000 $ 47,000 $ 59,000
Richland, Illinois 2 $ 117,000 $ 58,500 $ 22,000
Williamson, Illinois 2 $ 137,000 $ 68,500 $ 73,000
Winnebago, Illinois 2 $ 94,000 $ 47,000 $ 51,000
Dubois, Indiana 2 $ 1,200,000 $ 600,000 $ 500,000
Fulton, Indiana 2 $ 215,000 $ 107,500 $ 25,000
Hendricks, Indiana 2 $ 620,000 $ 310,000 $ 90,000
Madison, Indiana 2 $ 65,000 $ 32,500 $ 63,000
Martin, Indiana 2 $ 71,000 $ 35,500 $ 49,000
Montgomery, Indiana 2 $ 585,000 $ 292,500 $ 0
Owen, Indiana 2 $ 111,000 $ 55,500 $ 47,000
Pulaski, Indiana 2 $ 123,000 $ 61,500 $ 54,000
Vanderburgh, Indiana 2 $ 63,000 $ 31,500 $ 23,000
Cerro Gordo, Iowa 2 $ 96,000 $ 48,000 $ 178,000
Dallas, Iowa 2 $ 126,000 $ 63,000 $ 94,000
Johnson, Iowa 2 $ 67,000 $ 33,500 $ 46,000
Louisa, Iowa 2 $ 138,000 $ 69,000 $ 80,000
Muscatine, Iowa 2 $ 43,000 $ 21,500 $ 23,000
Polk, Iowa 2 $ 87,000 $ 43,500 $ 66,000
Allen, Kansas 2 $ 122,000 $ 61,000 $ 58,000
Anderson, Kansas 2 $ 167,000 $ 83,500 $ 61,000
Barber, Kansas 2 $ 212,000 $ 106,000 $ 146,000
Chautauqua, Kansas 2 $ 264,000 $ 132,000 $ 103,000
Harper, Kansas 2 $ 97,000 $ 48,500 $ 54,000
Wilson, Kansas 2 $ 116,000 $ 58,000 $ 40,000
Bullitt, Kentucky 2 $ 29,000 $ 14,500 $ 62,000
Daviess, Kentucky 2 $ 171,000 $ 85,500 $ 73,000
Kenton, Kentucky 2 $ 79,000 $ 39,500 $ 40,000
Knox, Kentucky 2 $ 54,000 $ 27,000 $ 19,000
Lee, Kentucky 2 $ 76,000 $ 38,000 $ 109,000
Leslie, Kentucky 2 $ 99,000 $ 49,500 $ 68,000
McCreary, Kentucky 2 $ 70,000 $ 35,000 $ 30,000
Pulaski, Kentucky 2 $ 67,000 $ 33,500 $ 61,000
Rowan, Kentucky 2 $ 76,000 $ 38,000 $ 58,000
Whitley, Kentucky 2 $ 115,000 $ 57,500 $ 41,000
Wolfe, Kentucky 2 $ 128,000 $ 64,000 $ 74,000
Baltimore, Maryland 2 $ 118,000 $ 59,000 $ 47,000
Worcester, Maryland 2 $ 82,000 $ 41,000 $ 21,000
Allegan, Michigan 2 $ 44,000 $ 22,000 $ 48,000
Barry, Michigan 2 $ 81,000 $ 40,500 $ 87,000
Berrien, Michigan 2 $ 214,000 $ 107,000 $ 62,000
Cass, Michigan 2 $ 555,000 $ 277,500 $ 113,000
Clinton, Michigan 2 $ 46,000 $ 23,000 $ 43,000
Eaton, Michigan 2 $ 88,000 $ 44,000 $ 45,000
Mackinac, Michigan 2 $ 79,000 $ 39,500 $ 46,000
Van Buren, Michigan 2 $ 457,000 $ 228,500 $ 182,000
Aitkin, Minnesota 2 $ 113,000 $ 56,500 $ 60,000
Beltrami, Minnesota 2 $ 73,000 $ 36,500 $ 58,000
Kanabec, Minnesota 2 $ 64,000 $ 32,000 $ 90,000
Otter Tail, Minnesota 2 $ 180,000 $ 90,000 $ 107,000
Pennington, Minnesota 2 $ 85,000 $ 42,500 $ 52,000
Butler, Missouri 2 $ 128,000 $ 64,000 $ 44,000
Callaway, Missouri 2 $ 95,000 $ 47,500 $ 37,000
Carroll, Missouri 2 $ 118,000 $ 59,000 $ 72,000
Cedar, Missouri 2 $ 101,000 $ 50,500 $ 39,000
Clay, Missouri 2 $ 63,000 $ 31,500 $ 29,000
Dunklin, Missouri 2 $ 89,000 $ 44,500 $ 51,000
Gasconade, Missouri 2 $ 107,000 $ 53,500 $ 68,000
Johnson, Missouri 2 $ 57,000 $ 28,500 $ 48,000
Livingston, Missouri 2 $ 99,000 $ 49,500 $ 28,000
Madison, Missouri 2 $ 92,000 $ 46,000 $ 61,000
Morgan, Missouri 2 $ 35,000 $ 17,500 $ 29,000
Newton, Missouri 2 $ 84,000 $ 42,000 $ 44,000
Pemiscot, Missouri 2 $ 88,000 $ 44,000 $ 82,000
Polk, Missouri 2 $ 38,000 $ 19,000 $ 29,000
Reynolds, Missouri 2 $ 54,000 $ 27,000 $ 53,000
Ripley, Missouri 2 $ 106,000 $ 53,000 $ 70,000
Saline, Missouri 2 $ 91,000 $ 45,500 $ 30,000
St. Francois, Missouri 2 $ 74,000 $ 37,000 $ 31,000
Ste. Genevieve, Missouri 2 $ 57,000 $ 28,500 $ 28,000
Taney, Missouri 2 $ 54,000 $ 27,000 $ 37,000
Texas, Missouri 2 $ 65,000 $ 32,500 $ 36,000
Wayne, Missouri 2 $ 105,000 $ 52,500 $ 41,000
Fallon, Montana 2 $ 115,000 $ 57,500 $ 77,000
Flathead, Montana 2 $ 109,000 $ 54,500 $ 69,000
Missoula, Montana 2 $ 78,000 $ 39,000 $ 107,000
Clinton, New York 2 $ 182,000 $ 91,000 $ 98,000
Columbia, New York 2 $ 149,000 $ 74,500 $ 40,000
Cortland, New York 2 $ 149,000 $ 74,500 $ 65,000
Delaware, New York 2 $ 143,000 $ 71,500 $ 120,000
Erie, New York 2 $ 85,000 $ 42,500 $ 50,000
Schoharie, New York 2 $ 130,000 $ 65,000 $ 120,000
Dunn, North Dakota 2 $ 180,000 $ 90,000 $ 92,000
Mercer, North Dakota 2 $ 186,000 $ 93,000 $ 118,000
Stutsman, North Dakota 2 $ 188,000 $ 94,000 $ 62,000
Allen, Ohio 2 $ 56,000 $ 28,000 $ 22,000
Ashland, Ohio 2 $ 55,000 $ 27,500 $ 59,000
Carroll, Ohio 2 $ 71,000 $ 35,500 $ 38,000
Champaign, Ohio 2 $ 128,000 $ 64,000 $ 41,000
Gallia, Ohio 2 $ 141,000 $ 70,500 $ 47,000
Guernsey, Ohio 2 $ 136,000 $ 68,000 $ 54,000
Hancock, Ohio 2 $ 49,000 $ 24,500 $ 74,000
Hardin, Ohio 2 $ 56,000 $ 28,000 $ 51,000
Highland, Ohio 2 $ 81,000 $ 40,500 $ 43,000
Licking, Ohio 2 $ 73,000 $ 36,500 $ 27,000
Madison, Ohio 2 $ 47,000 $ 23,500 $ 60,000
Mahoning, Ohio 2 $ 69,000 $ 34,500 $ 53,000
Morrow, Ohio 2 $ 59,000 $ 29,500 $ 37,000
Ottawa, Ohio 2 $ 85,000 $ 42,500 $ 137,000
Pike, Ohio 2 $ 78,000 $ 39,000 $ 45,000
Ross, Ohio 2 $ 78,000 $ 39,000 $ 73,000
Beaver, Pennsylvania 2 $ 113,000 $ 56,500 $ 54,000
Bradford, Pennsylvania 2 $ 123,000 $ 61,500 $ 38,000
Perry, Pennsylvania 2 $ 118,000 $ 59,000 $ 58,000
Potter, Pennsylvania 2 $ 120,000 $ 60,000 $ 45,000
Susquehanna, Pennsylvania 2 $ 131,000 $ 65,500 $ 50,000
Wayne, Pennsylvania 2 $ 110,000 $ 55,000 $ 58,000
Custer, South Dakota 2 $ 76,000 $ 38,000 $ 64,000
Harding, South Dakota 2 $ 101,000 $ 50,500 $ 83,000
Walworth, South Dakota 2 $ 226,000 $ 113,000 $ 153,000
Windsor, Vermont 2 $ 126,000 $ 63,000 $ 67,000
Buchanan, Virginia 2 $ 128,000 $ 64,000 $ 33,000
Grayson, Virginia 2 $ 78,000 $ 39,000 $ 16,000
Newport News, Virginia 2 $ 83,000 $ 41,500 $ 44,000
Rockingham, Virginia 2 $ 125,000 $ 62,500 $ 48,000
Smyth, Virginia 2 $ 101,000 $ 50,500 $ 35,000
Wythe, Virginia 2 $ 72,000 $ 36,000 $ 30,000
Barbour, West Virginia 2 $ 94,000 $ 47,000 $ 50,000
Boone, West Virginia 2 $ 199,000 $ 99,500 $ 102,000
Fayette, West Virginia 2 $ 113,000 $ 56,500 $ 46,000
Jefferson, West Virginia 2 $ 99,000 $ 49,500 $ 46,000
McDowell, West Virginia 2 $ 148,000 $ 74,000 $ 75,000
Putnam, West Virginia 2 $ 62,000 $ 31,000 $ 55,000
Randolph, West Virginia 2 $ 84,000 $ 42,000 $ 60,000
Summers, West Virginia 2 $ 123,000 $ 61,500 $ 49,000
Upshur, West Virginia 2 $ 94,000 $ 47,000 $ 60,000
Wyoming, West Virginia 2 $ 121,000 $ 60,500 $ 74,000
Crawford, Wisconsin 2 $ 72,000 $ 36,000 $ 34,000
Dane, Wisconsin 2 $ 76,000 $ 38,000 $ 35,000
Sauk, Wisconsin 2 $ 48,000 $ 24,000 $ 33,000
St. Croix, Wisconsin 2 $ 94,000 $ 47,000 $ 91,000
Vilas, Wisconsin 2 $ 90,000 $ 45,000 $ 79,000
Albany, Wyoming 2 $ 169,000 $ 84,500 $ 42,000
Laramie, Wyoming 2 $ 63,000 $ 31,500 $ 51,000
Natrona, Wyoming 2 $ 213,000 $ 106,500 $ 36,000
Orange, Florida 1 $ 140,000 $ 140,000 $ 0
Sumter, Florida 1 $ 176,000 $ 176,000 $ 0
Bingham, Idaho 1 $ 68,000 $ 68,000 $ 54,000
Butte, Idaho 1 $ 55,000 $ 55,000 $ 15,000
Canyon, Idaho 1 $ 31,000 $ 31,000 $ 46,000
Fremont, Idaho 1 $ 14,000 $ 14,000 $ 83,000
Nez Perce, Idaho 1 $ 22,000 $ 22,000 $ 25,000
Alexander, Illinois 1 $ 43,000 $ 43,000 $ 27,000
Cass, Illinois 1 $ 44,000 $ 44,000 $ 95,000
Clark, Illinois 1 $ 38,000 $ 38,000 $ 45,000
Fayette, Illinois 1 $ 31,000 $ 31,000 $ 58,000
Ford, Illinois 1 $ 51,000 $ 51,000 $ 40,000
Jackson, Illinois 1 $ 39,000 $ 39,000 $ 50,000
LaSalle, Illinois 1 $ 41,000 $ 41,000 $ 53,000
Lee, Illinois 1 $ 41,000 $ 41,000 $ 73,000
Marion, Illinois 1 $ 48,000 $ 48,000 $ 59,000
Montgomery, Illinois 1 $ 50,000 $ 50,000 $ 23,000
Bartholomew, Indiana 1 $ 325,000 $ 325,000 $ 1,495,000
Benton, Indiana 1 $ 6,000 $ 6,000 $ 59,000
Brown, Indiana 1 $ 84,000 $ 84,000 $ 89,000
Clay, Indiana 1 $ 44,000 $ 44,000 $ 26,000
Floyd, Indiana 1 $ 34,000 $ 34,000 $ 62,000
Grant, Indiana 1 $ 16,000 $ 16,000 $ 23,000
Hancock, Indiana 1 $ 1,125,000 $ 1,125,000 $ 0
Jennings, Indiana 1 $ 41,000 $ 41,000 $ 66,000
Johnson, Indiana 1 $ 19,000 $ 19,000 $ 44,000
LaGrange, Indiana 1 $ 76,000 $ 76,000 $ 65,000
Lawrence, Indiana 1 $ 35,000 $ 35,000 $ 43,000
Monroe, Indiana 1 $ 2,350,000 $ 2,350,000 $ 0
Posey, Indiana 1 $ 70,000 $ 70,000 $ 56,000
Vigo, Indiana 1 $ 10,000 $ 10,000 $ 205,000
Wabash, Indiana 1 $ 45,000 $ 45,000 $ 32,000
Warrick, Indiana 1 $ 11,000 $ 11,000 $ 18,000
Clay, Iowa 1 $ 46,000 $ 46,000 $ 41,000
Clinton, Iowa 1 $ 42,000 $ 42,000 $ 10,000
Decatur, Iowa 1 $ 51,000 $ 51,000 $ 45,000
Fayette, Iowa 1 $ 57,000 $ 57,000 $ 56,000
Jackson, Iowa 1 $ 25,000 $ 25,000 $ 18,000
Lee, Iowa 1 $ 45,000 $ 45,000 $ 72,000
Marion, Iowa 1 $ 35,000 $ 35,000 $ 31,000
Mills, Iowa 1 $ 73,000 $ 73,000 $ 58,000
Monona, Iowa 1 $ 46,000 $ 46,000 $ 74,000
Ringgold, Iowa 1 $ 49,000 $ 49,000 $ 41,000
Wapello, Iowa 1 $ 41,000 $ 41,000 $ 111,000
Wayne, Iowa 1 $ 40,000 $ 40,000 $ 56,000
Woodbury, Iowa 1 $ 19,000 $ 19,000 $ 50,000
Bourbon, Kansas 1 $ 67,000 $ 67,000 $ 31,000
Cherokee, Kansas 1 $ 40,000 $ 40,000 $ 49,000
Coffey, Kansas 1 $ 79,000 $ 79,000 $ 34,000
Crawford, Kansas 1 $ 52,000 $ 52,000 $ 41,000
Dickinson, Kansas 1 $ 58,000 $ 58,000 $ 34,000
Doniphan, Kansas 1 $ 61,000 $ 61,000 $ 80,000
Elk, Kansas 1 $ 31,000 $ 31,000 $ 121,000
Ellis, Kansas 1 $ 54,000 $ 54,000 $ 34,000
Finney, Kansas 1 $ 41,000 $ 41,000 $ 37,000
Ford, Kansas 1 $ 144,000 $ 144,000 $ 56,000
Grant, Kansas 1 $ 63,000 $ 63,000 $ 63,000
Gray, Kansas 1 $ 42,000 $ 42,000 $ 88,000
Kearny, Kansas 1 $ 59,000 $ 59,000 $ 44,000
Kingman, Kansas 1 $ 120,000 $ 120,000 $ 120,000
Kiowa, Kansas 1 $ 53,000 $ 53,000 $ 36,000
Leavenworth, Kansas 1 $ 68,000 $ 68,000 $ 50,000
Lincoln, Kansas 1 $ 78,000 $ 78,000 $ 81,000
McPherson, Kansas 1 $ 71,000 $ 71,000 $ 34,000
Mitchell, Kansas 1 $ 102,000 $ 102,000 $ 43,000
Morris, Kansas 1 $ 78,000 $ 78,000 $ 46,000
Ness, Kansas 1 $ 94,000 $ 94,000 $ 36,000
Osage, Kansas 1 $ 69,000 $ 69,000 $ 138,000
Stevens, Kansas 1 $ 66,000 $ 66,000 $ 60,000
Wichita, Kansas 1 $ 65,000 $ 65,000 $ 50,000
Allen, Kentucky 1 $ 60,000 $ 60,000 $ 65,000
Breathitt, Kentucky 1 $ 92,000 $ 92,000 $ 65,000
Clark, Kentucky 1 $ 36,000 $ 36,000 $ 40,000
Clay, Kentucky 1 $ 58,000 $ 58,000 $ 47,000
Estill, Kentucky 1 $ 26,000 $ 26,000 $ 45,000
Floyd, Kentucky 1 $ 46,000 $ 46,000 $ 20,000
Franklin, Kentucky 1 $ 107,000 $ 107,000 $ 56,000
Grayson, Kentucky 1 $ 39,000 $ 39,000 $ 150,000
Johnson, Kentucky 1 $ 67,000 $ 67,000 $ 113,000
Knott, Kentucky 1 $ 40,000 $ 40,000 $ 42,000
Laurel, Kentucky 1 $ 42,000 $ 42,000 $ 50,000
Lawrence, Kentucky 1 $ 13,000 $ 13,000 $ 22,000
Letcher, Kentucky 1 $ 13,000 $ 13,000 $ 86,000
Martin, Kentucky 1 $ 46,000 $ 46,000 $ 70,000
Nelson, Kentucky 1 $ 34,000 $ 34,000 $ 29,000
Nicholas, Kentucky 1 $ 91,000 $ 91,000 $ 73,000
Perry, Kentucky 1 $ 65,000 $ 65,000 $ 31,000
Pike, Kentucky 1 $ 40,000 $ 40,000 $ 54,000
Rockcastle, Kentucky 1 $ 51,000 $ 51,000 $ 33,000
Trimble, Kentucky 1 $ 58,000 $ 58,000 $ 33,000
Wayne, Kentucky 1 $ 73,000 $ 73,000 $ 465,000
Webster, Kentucky 1 $ 30,000 $ 30,000 $ 48,000
Baltimore City, Maryland 1 $ 16,000 $ 16,000 $ 66,000
Calvert, Maryland 1 $ 104,000 $ 104,000 $ 60,000
Cecil, Maryland 1 $ 71,000 $ 71,000 $ 119,000
Garrett, Maryland 1 $ 92,000 $ 92,000 $ 70,000
Harford, Maryland 1 $ 69,000 $ 69,000 $ 57,000
St. Mary's, Maryland 1 $ 74,000 $ 74,000 $ 42,000
Bay, Michigan 1 $ 19,000 $ 19,000 $ 19,000
Calhoun, Michigan 1 $ 99,000 $ 99,000 $ 104,000
Chippewa, Michigan 1 $ 41,000 $ 41,000 $ 89,000
Genesee, Michigan 1 $ 21,000 $ 21,000 $ 25,000
Gladwin, Michigan 1 $ 32,000 $ 32,000 $ 33,000
Hillsdale, Michigan 1 $ 73,000 $ 73,000 $ 49,000
Ingham, Michigan 1 $ 42,000 $ 42,000 $ 58,000
Jackson, Michigan 1 $ 32,000 $ 32,000 $ 36,000
Mason, Michigan 1 $ 83,000 $ 83,000 $ 166,000
Montcalm, Michigan 1 $ 19,000 $ 19,000 $ 54,000
Presque Isle, Michigan 1 $ 23,000 $ 23,000 $ 23,000
St. Clair, Michigan 1 $ 44,000 $ 44,000 $ 29,000
Benton, Minnesota 1 $ 45,000 $ 45,000 $ 42,000
Blue Earth, Minnesota 1 $ 64,000 $ 64,000 $ 52,000
Brown, Minnesota 1 $ 22,000 $ 22,000 $ 46,000
Cass, Minnesota 1 $ 49,000 $ 49,000 $ 35,000
Hennepin, Minnesota 1 $ 21,000 $ 21,000 $ 21,000
Koochiching, Minnesota 1 $ 19,000 $ 19,000 $ 23,000
Mille Lacs, Minnesota 1 $ 51,000 $ 51,000 $ 46,000
Morrison, Minnesota 1 $ 41,000 $ 41,000 $ 53,000
Nicollet, Minnesota 1 $ 19,000 $ 19,000 $ 82,000
Pope, Minnesota 1 $ 55,000 $ 55,000 $ 62,000
Sherburne, Minnesota 1 $ 30,000 $ 30,000 $ 41,000
Sibley, Minnesota 1 $ 21,000 $ 21,000 $ 45,000
Barry, Missouri 1 $ 14,000 $ 14,000 $ 110,000
Bollinger, Missouri 1 $ 40,000 $ 40,000 $ 40,000
Camden, Missouri 1 $ 60,000 $ 60,000 $ 19,000
Cape Girardeau, Missouri 1 $ 58,000 $ 58,000 $ 23,000
Carter, Missouri 1 $ 37,000 $ 37,000 $ 47,000
Christian, Missouri 1 $ 26,000 $ 26,000 $ 40,000
Cooper, Missouri 1 $ 42,000 $ 42,000 $ 31,000
Crawford, Missouri 1 $ 57,000 $ 57,000 $ 260,000
Dallas, Missouri 1 $ 59,000 $ 59,000 $ 44,000
Daviess, Missouri 1 $ 31,000 $ 31,000 $ 84,000
Douglas, Missouri 1 $ 17,000 $ 17,000 $ 88,000
Hickory, Missouri 1 $ 32,000 $ 32,000 $ 39,000
Laclede, Missouri 1 $ 25,000 $ 25,000 $ 27,000
Lincoln, Missouri 1 $ 19,000 $ 19,000 $ 60,000
McDonald, Missouri 1 $ 25,000 $ 25,000 $ 37,000
Miller, Missouri 1 $ 41,000 $ 41,000 $ 42,000
Mississippi, Missouri 1 $ 33,000 $ 33,000 $ 58,000
Monroe, Missouri 1 $ 44,000 $ 44,000 $ 143,000
Oregon, Missouri 1 $ 53,000 $ 53,000 $ 45,000
Osage, Missouri 1 $ 42,000 $ 42,000 $ 120,000
Phelps, Missouri 1 $ 18,000 $ 18,000 $ 78,000
Pulaski, Missouri 1 $ 79,000 $ 79,000 $ 47,000
Shannon, Missouri 1 $ 34,000 $ 34,000 $ 74,000
Stoddard, Missouri 1 $ 57,000 $ 57,000 $ 37,000
Warren, Missouri 1 $ 41,000 $ 41,000 $ 128,000
Carter, Montana 1 $ 84,000 $ 84,000 $ 70,000
Daniels, Montana 1 $ 120,000 $ 120,000 $ 73,000
Deer Lodge, Montana 1 $ 51,000 $ 51,000 $ 57,000
Fergus, Montana 1 $ 52,000 $ 52,000 $ 91,000
Glacier, Montana 1 $ 47,000 $ 47,000 $ 19,000
Madison, Montana 1 $ 57,000 $ 57,000 $ 61,000
McCone, Montana 1 $ 140,000 $ 140,000 $ 114,000
Musselshell, Montana 1 $ 97,000 $ 97,000 $ 30,000
Roosevelt, Montana 1 $ 98,000 $ 98,000 $ 67,000
Sheridan, Montana 1 $ 144,000 $ 144,000 $ 114,000
Stillwater, Montana 1 $ 108,000 $ 108,000 $ 93,000
Butler, Nebraska 1 $ 27,000 $ 27,000 $ 29,000
Cass, Nebraska 1 $ 46,000 $ 46,000 $ 178,000
Grant, Nebraska 1 $ 57,000 $ 57,000 $ 45,000
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Mortgage Loan Application Detail Totals for Centier Bank in 2013

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 2,754 $232,799,000 $84,000 $9,915,000 $61,000 $1,817,000
Refinancing 1,088 $152,285,000 $139,000 $2,350,000 $99,000 $4,230,000
Home Improvement 867 $42,782,000 $49,000 $1,785,000 $72,000 $515,000

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 3,940 $318,830,000 $80,000 $1,723,000 $74,000 $1,890,000
Hispanic 217 $14,891,000 $68,000 $399,000 $60,000 $501,000
Black or African American 184 $10,082,000 $54,000 $1,269,000 $85,000 $4,230,000
Not applicable 155 $60,014,000 $387,000 $9,915,000 $0 $0
Not Provided 154 $16,104,000 $104,000 $1,125,000 $90,000 $442,000
Asian 42 $5,759,000 $137,000 $600,000 $94,000 $353,000
American Indian or Alaskan Native 14 $1,298,000 $92,000 $350,000 $76,000 $217,000
Native Hawaiian or Other Pacific Islander 3 $888,000 $296,000 $465,000 $110,000 $260,000

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) 4,564 $410,377,000 $89,000 $9,915,000 $72,000 $4,230,000
FHA-insured (Federal Housing Administration) 127 $15,343,000 $120,000 $313,000 $55,000 $136,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 9 $643,000 $71,000 $103,000 $28,000 $42,000
VA-guaranteed (Veterans Administration) 9 $1,503,000 $167,000 $303,000 $50,000 $93,000

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 2,771 $266,756,000 $96,000 $2,520,000 $76,000 $4,230,000
Application Approved But Not Accepted 1,015 $59,215,000 $58,000 $1,785,000 $58,000 $600,000
Application Denied By Financial Institution 598 $29,851,000 $49,000 $638,000 $58,000 $1,034,000
Application Withdrawn By Applicant 233 $56,736,000 $243,000 $9,915,000 $103,000 $2,048,000
File Closed For Incompleteness 92 $15,308,000 $166,000 $1,200,000 $117,000 $1,431,000
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
Credit History 56 $6,672,000 $119,000 $391,000 $59,000 $172,000
Collateral 24 $3,858,000 $160,000 $638,000 $105,000 $352,000
Debt-To-Income Ratio 16 $2,037,000 $127,000 $559,000 $43,000 $211,000
Other 5 $845,000 $169,000 $500,000 $103,000 $225,000
Insufficient Cash (Downpayment, Closing Cost) 2 $104,000 $52,000 $54,000 $29,000 $40,000
Credit Application Incomplete 2 $352,000 $176,000 $272,000 $79,000 $130,000
Unverifiable Information 1 $59,000 $59,000 $59,000 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Centier Bank's 2013 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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