Centier Bank Mortgage Lending & HMDA Data, 2014

In 2014, Centier Bank of Merrillville, IN reported 4,155 mortgage applications totaling $379.5 million, down 12% from 2013. The average application was for $91,340, and applicants reported an average income of $71,255. 58% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Gary, IN (1,590), Lafayette-West Lafayette, IN (155) and Michigan City-La Porte, IN (87) (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 4,155
Total Mortgage Loan Application Amount $379,519,000
Average Mortgage Loan Application Amount $91,340
Highest Mortgage Loan Application Amount $7,650,000
Average Applicant Income $71,255
Highest Applicant Income $6,008,000

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Act (HMDA) records Centier Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Lake, Indiana 994 $ 93,155,000 $ 93,717 $ 87,000
Porter, Indiana 566 $ 74,201,000 $ 131,097 $ 82,000
Tippecanoe, Indiana 138 $ 13,616,000 $ 98,666 $ 63,000
LaPorte, Indiana 87 $ 12,644,000 $ 145,333 $ 62,000
White, Indiana 62 $ 8,111,000 $ 130,822 $ 106,000
St. Joseph, Indiana 49 $ 19,645,000 $ 400,918 $ 69,000
Elkhart, Indiana 40 $ 5,078,000 $ 126,950 $ 44,000
Allen, Indiana 37 $ 10,337,000 $ 279,378 $ 80,000
Anoka, Minnesota 33 $ 1,237,000 $ 37,484 $ 51,000
Bucks, Pennsylvania 32 $ 1,752,000 $ 54,750 $ 59,000
Hamilton, Indiana 29 $ 7,412,000 $ 255,586 $ 112,000
Berks, Pennsylvania 27 $ 1,207,000 $ 44,703 $ 49,000
Macomb, Michigan 26 $ 761,000 $ 29,269 $ 46,000
York, Pennsylvania 25 $ 842,000 $ 33,680 $ 49,000
Anne Arundel, Maryland 24 $ 1,504,000 $ 62,666 $ 89,000
Cook, Illinois 23 $ 5,819,000 $ 253,000 $ 78,000
Kent, Michigan 20 $ 663,000 $ 33,150 $ 58,000
Oakland, Michigan 20 $ 617,000 $ 30,850 $ 55,000
Adams, Pennsylvania 20 $ 871,000 $ 43,550 $ 62,000
Jasper, Indiana 19 $ 1,562,000 $ 82,210 $ 79,000
Lancaster, Pennsylvania 19 $ 852,000 $ 44,842 $ 55,000
Marshall, Indiana 18 $ 1,598,000 $ 88,777 $ 75,000
Montgomery, Pennsylvania 17 $ 952,000 $ 56,000 $ 61,000
Marion, Indiana 16 $ 3,021,000 $ 188,812 $ 88,000
Ottawa, Michigan 16 $ 516,000 $ 32,250 $ 45,000
Chester, Pennsylvania 16 $ 616,000 $ 38,500 $ 53,000
Washtenaw, Michigan 15 $ 752,000 $ 50,133 $ 57,000
Saratoga, New York 15 $ 720,000 $ 48,000 $ 45,000
Carroll, Indiana 14 $ 1,313,000 $ 93,785 $ 58,000
Cumberland, Pennsylvania 14 $ 721,000 $ 51,500 $ 50,000
Stark, North Dakota 13 $ 1,138,000 $ 87,538 $ 78,000
Erie, Pennsylvania 13 $ 429,000 $ 33,000 $ 46,000
Ramsey, Minnesota 12 $ 548,000 $ 45,666 $ 46,000
Franklin, Ohio 12 $ 457,000 $ 38,083 $ 68,000
Cass, Indiana 11 $ 989,000 $ 89,909 $ 36,000
Newton, Indiana 11 $ 620,000 $ 56,363 $ 67,000
Livingston, Michigan 10 $ 386,000 $ 38,600 $ 49,000
Monroe, Michigan 10 $ 277,000 $ 27,700 $ 55,000
Dakota, Minnesota 10 $ 423,000 $ 42,300 $ 46,000
Ontario, New York 10 $ 515,000 $ 51,500 $ 46,000
Steuben, New York 10 $ 507,000 $ 50,700 $ 60,000
Lorain, Ohio 10 $ 382,000 $ 38,200 $ 50,000
Wood, Ohio 10 $ 441,000 $ 44,100 $ 53,000
Franklin, Pennsylvania 10 $ 590,000 $ 59,000 $ 50,000
Lehigh, Pennsylvania 10 $ 302,000 $ 30,200 $ 59,000
Boone, Illinois 9 $ 582,000 $ 64,666 $ 62,000
Starke, Indiana 9 $ 495,000 $ 55,000 $ 57,000
Linn, Iowa 9 $ 364,000 $ 40,444 $ 53,000
Butler, Kansas 9 $ 609,000 $ 67,666 $ 56,000
Washington, Maryland 9 $ 572,000 $ 63,555 $ 59,000
Williams, North Dakota 9 $ 903,000 $ 100,333 $ 116,000
Dauphin, Pennsylvania 9 $ 308,000 $ 34,222 $ 59,000
Lebanon, Pennsylvania 9 $ 404,000 $ 44,888 $ 49,000
Kankakee, Illinois 8 $ 231,000 $ 28,875 $ 50,000
Morgan, Indiana 8 $ 2,272,000 $ 284,000 $ 0
Sedgwick, Kansas 8 $ 400,000 $ 50,000 $ 63,000
Pike, Kentucky 8 $ 414,000 $ 51,750 $ 66,000
Dawson, Montana 8 $ 598,000 $ 74,750 $ 101,000
Richland, Montana 8 $ 588,000 $ 73,500 $ 100,000
Westmoreland, Pennsylvania 8 $ 386,000 $ 48,250 $ 57,000
Sussex, Delaware 7 $ 458,000 $ 65,428 $ 67,000
Howard, Maryland 7 $ 429,000 $ 61,285 $ 66,000
Kalamazoo, Michigan 7 $ 263,000 $ 37,571 $ 62,000
Wayne, Michigan 7 $ 188,000 $ 26,857 $ 53,000
Howell, Missouri 7 $ 329,000 $ 47,000 $ 51,000
Columbia, New York 7 $ 330,000 $ 47,142 $ 55,000
Otsego, New York 7 $ 375,000 $ 53,571 $ 40,000
Dunn, North Dakota 7 $ 720,000 $ 102,857 $ 141,000
Butler, Ohio 7 $ 165,000 $ 23,571 $ 38,000
Clark, Ohio 7 $ 204,000 $ 29,142 $ 37,000
Columbiana, Ohio 7 $ 248,000 $ 35,428 $ 53,000
Allegheny, Pennsylvania 7 $ 315,000 $ 45,000 $ 38,000
Will, Illinois 6 $ 543,000 $ 90,500 $ 76,000
Pulaski, Indiana 6 $ 444,000 $ 74,000 $ 56,000
Pottawattamie, Iowa 6 $ 189,000 $ 31,500 $ 41,000
Sumner, Kansas 6 $ 391,000 $ 65,166 $ 82,000
Baltimore, Maryland 6 $ 222,000 $ 37,000 $ 60,000
Berrien, Michigan 6 $ 1,000,000 $ 166,666 $ 73,000
St. Charles, Missouri 6 $ 202,000 $ 33,666 $ 34,000
Yellowstone, Montana 6 $ 316,000 $ 52,666 $ 56,000
Cayuga, New York 6 $ 349,000 $ 58,166 $ 39,000
Erie, New York 6 $ 292,000 $ 48,666 $ 53,000
Niagara, New York 6 $ 290,000 $ 48,333 $ 43,000
Oswego, New York 6 $ 393,000 $ 65,500 $ 45,000
Harrison, Ohio 6 $ 369,000 $ 61,500 $ 79,000
Licking, Ohio 6 $ 224,000 $ 37,333 $ 40,000
Trumbull, Ohio 6 $ 197,000 $ 32,833 $ 65,000
Tuscarawas, Ohio 6 $ 268,000 $ 44,666 $ 45,000
Fayette, Pennsylvania 6 $ 259,000 $ 43,166 $ 44,000
Schuylkill, Pennsylvania 6 $ 227,000 $ 37,833 $ 57,000
Minnehaha, South Dakota 6 $ 203,000 $ 33,833 $ 46,000
Boone, Indiana 5 $ 871,000 $ 174,200 $ 99,000
Clay, Kentucky 5 $ 212,000 $ 42,400 $ 31,000
Allegan, Michigan 5 $ 184,000 $ 36,800 $ 60,000
Jackson, Michigan 5 $ 124,000 $ 24,800 $ 66,000
Jefferson, Missouri 5 $ 180,000 $ 36,000 $ 48,000
Chenango, New York 5 $ 329,000 $ 65,800 $ 48,000
Clinton, New York 5 $ 295,000 $ 59,000 $ 43,000
Seneca, New York 5 $ 235,000 $ 47,000 $ 40,000
Tompkins, New York 5 $ 204,000 $ 40,800 $ 56,000
Belmont, Ohio 5 $ 248,000 $ 49,600 $ 62,000
Cuyahoga, Ohio 5 $ 214,000 $ 42,800 $ 50,000
Delaware, Ohio 5 $ 211,000 $ 42,200 $ 36,000
Geauga, Ohio 5 $ 306,000 $ 61,200 $ 55,000
Lucas, Ohio 5 $ 138,000 $ 27,600 $ 49,000
Muskingum, Ohio 5 $ 212,000 $ 42,400 $ 55,000
Portage, Ohio 5 $ 188,000 $ 37,600 $ 30,000
Stark, Ohio 5 $ 239,000 $ 47,800 $ 46,000
Centre, Pennsylvania 5 $ 124,000 $ 24,800 $ 45,000
Venango, Pennsylvania 5 $ 168,000 $ 33,600 $ 39,000
Chittenden, Vermont 5 $ 254,000 $ 50,800 $ 52,000
Spotsylvania, Virginia 5 $ 254,000 $ 50,800 $ 55,000
Kanawha, West Virginia 5 $ 295,000 $ 59,000 $ 48,000
Laramie, Wyoming 5 $ 311,000 $ 62,200 $ 58,000
Kent, Delaware 4 $ 190,000 $ 47,500 $ 35,000
New Castle, Delaware 4 $ 153,000 $ 38,250 $ 67,000
Ada, Idaho 4 $ 159,000 $ 39,750 $ 51,000
St. Clair, Illinois 4 $ 123,000 $ 30,750 $ 43,000
Howard, Indiana 4 $ 346,000 $ 86,500 $ 86,000
Vanderburgh, Indiana 4 $ 129,000 $ 32,250 $ 49,000
Clinton, Kentucky 4 $ 202,000 $ 50,500 $ 72,000
Laurel, Kentucky 4 $ 150,000 $ 37,500 $ 34,000
Prince George's, Maryland 4 $ 152,000 $ 38,000 $ 62,000
Worcester, Maryland 4 $ 191,000 $ 47,750 $ 62,000
Clinton, Michigan 4 $ 109,000 $ 27,250 $ 54,000
Van Buren, Michigan 4 $ 611,000 $ 152,750 $ 81,000
St. Louis, Minnesota 4 $ 180,000 $ 45,000 $ 96,000
Wright, Minnesota 4 $ 201,000 $ 50,250 $ 47,000
Greene, Missouri 4 $ 131,000 $ 32,750 $ 38,000
Hickory, Missouri 4 $ 130,000 $ 32,500 $ 45,000
Morgan, Missouri 4 $ 160,000 $ 40,000 $ 33,000
Cattaraugus, New York 4 $ 215,000 $ 53,750 $ 48,000
Greene, New York 4 $ 245,000 $ 61,250 $ 47,000
Oneida, New York 4 $ 177,000 $ 44,250 $ 39,000
Ulster, New York 4 $ 233,000 $ 58,250 $ 62,000
Pickaway, Ohio 4 $ 152,000 $ 38,000 $ 43,000
Ross, Ohio 4 $ 154,000 $ 38,500 $ 40,000
Scioto, Ohio 4 $ 234,000 $ 58,500 $ 38,000
Wayne, Ohio 4 $ 164,000 $ 41,000 $ 42,000
Blair, Pennsylvania 4 $ 177,000 $ 44,250 $ 47,000
Butler, Pennsylvania 4 $ 204,000 $ 51,000 $ 68,000
Greene, Pennsylvania 4 $ 228,000 $ 57,000 $ 51,000
Northampton, Pennsylvania 4 $ 116,000 $ 29,000 $ 69,000
Susquehanna, Pennsylvania 4 $ 313,000 $ 78,250 $ 55,000
Augusta, Virginia 4 $ 147,000 $ 36,750 $ 36,000
Newport News, Virginia 4 $ 156,000 $ 39,000 $ 34,000
Berkeley, West Virginia 4 $ 181,000 $ 45,250 $ 59,000
Fayette, West Virginia 4 $ 350,000 $ 87,500 $ 66,000
Jackson, West Virginia 4 $ 283,000 $ 70,750 $ 60,000
Mercer, West Virginia 4 $ 216,000 $ 54,000 $ 73,000
Monongalia, West Virginia 4 $ 234,000 $ 58,500 $ 67,000
Raleigh, West Virginia 4 $ 206,000 $ 51,500 $ 33,000
Eau Claire, Wisconsin 4 $ 98,000 $ 24,500 $ 61,000
Franklin, Illinois 3 $ 169,000 $ 56,333 $ 35,000
McLean, Illinois 3 $ 169,000 $ 56,333 $ 66,000
Union, Illinois 3 $ 133,000 $ 44,333 $ 71,000
Benton, Indiana 3 $ 236,000 $ 78,666 $ 65,000
Clinton, Indiana 3 $ 381,000 $ 127,000 $ 72,000
LaGrange, Indiana 3 $ 236,000 $ 78,666 $ 30,000
Dubuque, Iowa 3 $ 141,000 $ 47,000 $ 52,000
Polk, Iowa 3 $ 77,000 $ 25,666 $ 52,000
Bourbon, Kansas 3 $ 248,000 $ 82,666 $ 66,000
Cherokee, Kansas 3 $ 201,000 $ 67,000 $ 67,000
Riley, Kansas 3 $ 151,000 $ 50,333 $ 72,000
McCreary, Kentucky 3 $ 77,000 $ 25,666 $ 31,000
Bay, Michigan 3 $ 70,000 $ 23,333 $ 37,000
Cass, Michigan 3 $ 511,000 $ 170,333 $ 65,000
Lenawee, Michigan 3 $ 133,000 $ 44,333 $ 58,000
Muskegon, Michigan 3 $ 69,000 $ 23,000 $ 32,000
Carver, Minnesota 3 $ 216,000 $ 72,000 $ 72,000
Chisago, Minnesota 3 $ 110,000 $ 36,666 $ 64,000
Crow Wing, Minnesota 3 $ 88,000 $ 29,333 $ 82,000
Olmsted, Minnesota 3 $ 96,000 $ 32,000 $ 41,000
Washington, Minnesota 3 $ 106,000 $ 35,333 $ 38,000
Cape Girardeau, Missouri 3 $ 117,000 $ 39,000 $ 37,000
Laclede, Missouri 3 $ 142,000 $ 47,333 $ 53,000
Wayne, Missouri 3 $ 153,000 $ 51,000 $ 73,000
Wright, Missouri 3 $ 107,000 $ 35,666 $ 49,000
Albany, New York 3 $ 177,000 $ 59,000 $ 56,000
Allegany, New York 3 $ 127,000 $ 42,333 $ 52,000
Chautauqua, New York 3 $ 124,000 $ 41,333 $ 43,000
Monroe, New York 3 $ 98,000 $ 32,666 $ 60,000
Orleans, New York 3 $ 174,000 $ 58,000 $ 56,000
Rensselaer, New York 3 $ 112,000 $ 37,333 $ 25,000
Washington, New York 3 $ 164,000 $ 54,666 $ 51,000
Grand Forks, North Dakota 3 $ 284,000 $ 94,666 $ 81,000
Morton, North Dakota 3 $ 366,000 $ 122,000 $ 72,000
Hamilton, Ohio 3 $ 98,000 $ 32,666 $ 47,000
Highland, Ohio 3 $ 146,000 $ 48,666 $ 41,000
Mercer, Ohio 3 $ 55,000 $ 18,333 $ 137,000
Morrow, Ohio 3 $ 85,000 $ 28,333 $ 53,000
Armstrong, Pennsylvania 3 $ 201,000 $ 67,000 $ 60,000
Clearfield, Pennsylvania 3 $ 145,000 $ 48,333 $ 53,000
Indiana, Pennsylvania 3 $ 159,000 $ 53,000 $ 40,000
Lawrence, Pennsylvania 3 $ 123,000 $ 41,000 $ 49,000
Warren, Pennsylvania 3 $ 116,000 $ 38,666 $ 70,000
Haakon, South Dakota 3 $ 264,000 $ 88,000 $ 55,000
Hughes, South Dakota 3 $ 188,000 $ 62,666 $ 87,000
Buchanan, Virginia 3 $ 137,000 $ 45,666 $ 78,000
Campbell, Virginia 3 $ 100,000 $ 33,333 $ 63,000
Wise, Virginia 3 $ 157,000 $ 52,333 $ 39,000
Cabell, West Virginia 3 $ 78,000 $ 26,000 $ 43,000
Logan, West Virginia 3 $ 339,000 $ 113,000 $ 64,000
Marion, West Virginia 3 $ 110,000 $ 36,666 $ 22,000
McDowell, West Virginia 3 $ 237,000 $ 79,000 $ 78,000
Canyon, Idaho 2 $ 119,000 $ 59,500 $ 33,000
Kootenai, Idaho 2 $ 72,000 $ 36,000 $ 57,000
Payette, Idaho 2 $ 54,000 $ 27,000 $ 48,000
Alexander, Illinois 2 $ 65,000 $ 32,500 $ 73,000
Hamilton, Illinois 2 $ 58,000 $ 29,000 $ 82,000
Jefferson, Illinois 2 $ 127,000 $ 63,500 $ 76,000
Madison, Illinois 2 $ 68,000 $ 34,000 $ 40,000
Sangamon, Illinois 2 $ 89,000 $ 44,500 $ 31,000
Scott, Illinois 2 $ 149,000 $ 74,500 $ 95,000
Wayne, Illinois 2 $ 107,000 $ 53,500 $ 49,000
DeKalb, Indiana 2 $ 403,000 $ 201,500 $ 63,000
Grant, Indiana 2 $ 92,000 $ 46,000 $ 56,000
Kosciusko, Indiana 2 $ 312,000 $ 156,000 $ 94,000
Monroe, Indiana 2 $ 230,000 $ 115,000 $ 144,000
Owen, Indiana 2 $ 88,000 $ 44,000 $ 76,000
Scott, Indiana 2 $ 135,000 $ 67,500 $ 31,000
Tipton, Indiana 2 $ 84,000 $ 42,000 $ 52,000
Wabash, Indiana 2 $ 141,000 $ 70,500 $ 69,000
Whitley, Indiana 2 $ 349,000 $ 174,500 $ 62,000
Allamakee, Iowa 2 $ 98,000 $ 49,000 $ 136,000
Black Hawk, Iowa 2 $ 61,000 $ 30,500 $ 23,000
Dallas, Iowa 2 $ 82,000 $ 41,000 $ 44,000
Jasper, Iowa 2 $ 115,000 $ 57,500 $ 29,000
Johnson, Iowa 2 $ 85,000 $ 42,500 $ 38,000
Mahaska, Iowa 2 $ 88,000 $ 44,000 $ 38,000
Barber, Kansas 2 $ 105,000 $ 52,500 $ 47,000
Cowley, Kansas 2 $ 192,000 $ 96,000 $ 50,000
Geary, Kansas 2 $ 86,000 $ 43,000 $ 62,000
Haskell, Kansas 2 $ 112,000 $ 56,000 $ 88,000
Johnson, Kansas 2 $ 71,000 $ 35,500 $ 45,000
Linn, Kansas 2 $ 178,000 $ 89,000 $ 95,000
Stevens, Kansas 2 $ 77,000 $ 38,500 $ 73,000
Wyandotte, Kansas 2 $ 37,000 $ 18,500 $ 40,000
Breathitt, Kentucky 2 $ 111,000 $ 55,500 $ 48,000
Daviess, Kentucky 2 $ 90,000 $ 45,000 $ 38,000
Floyd, Kentucky 2 $ 106,000 $ 53,000 $ 49,000
Hart, Kentucky 2 $ 87,000 $ 43,500 $ 27,000
Martin, Kentucky 2 $ 87,000 $ 43,500 $ 50,000
Muhlenberg, Kentucky 2 $ 37,000 $ 18,500 $ 27,000
Ohio, Kentucky 2 $ 85,000 $ 42,500 $ 41,000
Perry, Kentucky 2 $ 73,000 $ 36,500 $ 37,000
Warren, Kentucky 2 $ 110,000 $ 55,000 $ 31,000
Wayne, Kentucky 2 $ 62,000 $ 31,000 $ 64,000
Carroll, Maryland 2 $ 101,000 $ 50,500 $ 46,000
Queen Anne's, Maryland 2 $ 100,000 $ 50,000 $ 43,000
Ionia, Michigan 2 $ 86,000 $ 43,000 $ 77,000
Isabella, Michigan 2 $ 34,000 $ 17,000 $ 31,000
Shiawassee, Michigan 2 $ 50,000 $ 25,000 $ 51,000
St. Clair, Michigan 2 $ 60,000 $ 30,000 $ 40,000
St. Joseph, Michigan 2 $ 246,000 $ 123,000 $ 41,000
Becker, Minnesota 2 $ 138,000 $ 69,000 $ 90,000
Dodge, Minnesota 2 $ 106,000 $ 53,000 $ 53,000
Rice, Minnesota 2 $ 80,000 $ 40,000 $ 44,000
Scott, Minnesota 2 $ 81,000 $ 40,500 $ 43,000
Stearns, Minnesota 2 $ 95,000 $ 47,500 $ 41,000
Swift, Minnesota 2 $ 68,000 $ 34,000 $ 37,000
Bollinger, Missouri 2 $ 77,000 $ 38,500 $ 43,000
Boone, Missouri 2 $ 116,000 $ 58,000 $ 51,000
Gentry, Missouri 2 $ 144,000 $ 72,000 $ 128,000
Jackson, Missouri 2 $ 40,000 $ 20,000 $ 31,000
Lewis, Missouri 2 $ 82,000 $ 41,000 $ 62,000
Lincoln, Missouri 2 $ 31,000 $ 15,500 $ 32,000
Livingston, Missouri 2 $ 130,000 $ 65,000 $ 119,000
Miller, Missouri 2 $ 107,000 $ 53,500 $ 30,000
Platte, Missouri 2 $ 72,000 $ 36,000 $ 32,000
Stone, Missouri 2 $ 122,000 $ 61,000 $ 117,000
Taney, Missouri 2 $ 104,000 $ 52,000 $ 56,000
Washington, Missouri 2 $ 127,000 $ 63,500 $ 43,000
Carter, Montana 2 $ 168,000 $ 84,000 $ 70,000
Flathead, Montana 2 $ 113,000 $ 56,500 $ 52,000
Gallatin, Montana 2 $ 242,000 $ 121,000 $ 63,000
Cherry, Nebraska 2 $ 173,000 $ 86,500 $ 68,000
Douglas, Nebraska 2 $ 78,000 $ 39,000 $ 29,000
Broome, New York 2 $ 119,000 $ 59,500 $ 59,000
Chemung, New York 2 $ 85,000 $ 42,500 $ 53,000
Cortland, New York 2 $ 115,000 $ 57,500 $ 55,000
Franklin, New York 2 $ 152,000 $ 76,000 $ 53,000
Herkimer, New York 2 $ 119,000 $ 59,500 $ 51,000
Onondaga, New York 2 $ 140,000 $ 70,000 $ 66,000
Orange, New York 2 $ 69,000 $ 34,500 $ 48,000
Schoharie, New York 2 $ 44,000 $ 22,000 $ 26,000
Tioga, New York 2 $ 114,000 $ 57,000 $ 47,000
Warren, New York 2 $ 79,000 $ 39,500 $ 37,000
Wayne, New York 2 $ 133,000 $ 66,500 $ 66,000
Barnes, North Dakota 2 $ 173,000 $ 86,500 $ 34,000
McHenry, North Dakota 2 $ 216,000 $ 108,000 $ 84,000
Ward, North Dakota 2 $ 177,000 $ 88,500 $ 48,000
Allen, Ohio 2 $ 36,000 $ 18,000 $ 82,000
Fairfield, Ohio 2 $ 75,000 $ 37,500 $ 41,000
Fulton, Ohio 2 $ 60,000 $ 30,000 $ 59,000
Greene, Ohio 2 $ 72,000 $ 36,000 $ 56,000
Guernsey, Ohio 2 $ 108,000 $ 54,000 $ 47,000
Hancock, Ohio 2 $ 92,000 $ 46,000 $ 39,000
Jackson, Ohio 2 $ 106,000 $ 53,000 $ 73,000
Lake, Ohio 2 $ 61,000 $ 30,500 $ 36,000
Ottawa, Ohio 2 $ 84,000 $ 42,000 $ 121,000
Pike, Ohio 2 $ 136,000 $ 68,000 $ 57,000
Summit, Ohio 2 $ 124,000 $ 62,000 $ 43,000
Carbon, Pennsylvania 2 $ 104,000 $ 52,000 $ 50,000
Clarion, Pennsylvania 2 $ 65,000 $ 32,500 $ 53,000
Columbia, Pennsylvania 2 $ 97,000 $ 48,500 $ 68,000
Elk, Pennsylvania 2 $ 53,000 $ 26,500 $ 25,000
Huntingdon, Pennsylvania 2 $ 140,000 $ 70,000 $ 75,000
Washington, Pennsylvania 2 $ 122,000 $ 61,000 $ 62,000
Pennington, South Dakota 2 $ 78,000 $ 39,000 $ 55,000
Perkins, South Dakota 2 $ 251,000 $ 125,500 $ 39,000
Scott, Virginia 2 $ 96,000 $ 48,000 $ 33,000
Smyth, Virginia 2 $ 111,000 $ 55,500 $ 44,000
Tazewell, Virginia 2 $ 104,000 $ 52,000 $ 49,000
Barbour, West Virginia 2 $ 108,000 $ 54,000 $ 62,000
Clay, West Virginia 2 $ 103,000 $ 51,500 $ 49,000
Greenbrier, West Virginia 2 $ 77,000 $ 38,500 $ 54,000
Hancock, West Virginia 2 $ 84,000 $ 42,000 $ 30,000
Jefferson, West Virginia 2 $ 82,000 $ 41,000 $ 50,000
Lincoln, West Virginia 2 $ 91,000 $ 45,500 $ 59,000
Preston, West Virginia 2 $ 117,000 $ 58,500 $ 45,000
Putnam, West Virginia 2 $ 129,000 $ 64,500 $ 60,000
Upshur, West Virginia 2 $ 152,000 $ 76,000 $ 39,000
Adams, Wisconsin 2 $ 37,000 $ 18,500 $ 68,000
Ashland, Wisconsin 2 $ 61,000 $ 30,500 $ 103,000
Price, Wisconsin 2 $ 92,000 $ 46,000 $ 72,000
Waupaca, Wisconsin 2 $ 49,000 $ 24,500 $ 47,000
Campbell, Wyoming 2 $ 128,000 $ 64,000 $ 51,000
Fremont, Wyoming 2 $ 116,000 $ 58,000 $ 69,000
Hot Springs, Wyoming 2 $ 144,000 $ 72,000 $ 62,000
Natrona, Wyoming 2 $ 91,000 $ 45,500 $ 34,000
Sweetwater, Wyoming 2 $ 186,000 $ 93,000 $ 93,000
Teton, Wyoming 2 $ 163,000 $ 81,500 $ 56,000
Collier, Florida 1 $ 205,000 $ 205,000 $ 60,000
Hernando, Florida 1 $ 97,000 $ 97,000 $ 45,000
Lee, Florida 1 $ 493,000 $ 493,000 $ 261,000
Monroe, Florida 1 $ 288,000 $ 288,000 $ 126,000
Sarasota, Florida 1 $ 1,330,000 $ 1,330,000 $ 330,000
Bannock, Idaho 1 $ 14,000 $ 14,000 $ 28,000
Bingham, Idaho 1 $ 62,000 $ 62,000 $ 81,000
Bonner, Idaho 1 $ 50,000 $ 50,000 $ 166,000
Clinton, Illinois 1 $ 33,000 $ 33,000 $ 62,000
Henry, Illinois 1 $ 22,000 $ 22,000 $ 45,000
Lake, Illinois 1 $ 1,200,000 $ 1,200,000 $ 0
LaSalle, Illinois 1 $ 13,000 $ 13,000 $ 14,000
Lee, Illinois 1 $ 32,000 $ 32,000 $ 24,000
Pope, Illinois 1 $ 71,000 $ 71,000 $ 139,000
Richland, Illinois 1 $ 49,000 $ 49,000 $ 50,000
Vermilion, Illinois 1 $ 39,000 $ 39,000 $ 30,000
Whiteside, Illinois 1 $ 25,000 $ 25,000 $ 50,000
Williamson, Illinois 1 $ 48,000 $ 48,000 $ 45,000
Adams, Indiana 1 $ 66,000 $ 66,000 $ 34,000
Bartholomew, Indiana 1 $ 64,000 $ 64,000 $ 66,000
Brown, Indiana 1 $ 960,000 $ 960,000 $ 6,008,000
Crawford, Indiana 1 $ 41,000 $ 41,000 $ 67,000
Dubois, Indiana 1 $ 97,000 $ 97,000 $ 44,000
Fulton, Indiana 1 $ 30,000 $ 30,000 $ 66,000
Hancock, Indiana 1 $ 7,650,000 $ 7,650,000 $ 0
Huntington, Indiana 1 $ 69,000 $ 69,000 $ 109,000
Madison, Indiana 1 $ 28,000 $ 28,000 $ 35,000
Miami, Indiana 1 $ 41,000 $ 41,000 $ 121,000
Montgomery, Indiana 1 $ 30,000 $ 30,000 $ 43,000
Perry, Indiana 1 $ 100,000 $ 100,000 $ 47,000
Steuben, Indiana 1 $ 143,000 $ 143,000 $ 397,000
Wayne, Indiana 1 $ 50,000 $ 50,000 $ 88,000
Dickinson, Iowa 1 $ 51,000 $ 51,000 $ 90,000
Harrison, Iowa 1 $ 50,000 $ 50,000 $ 37,000
Madison, Iowa 1 $ 49,000 $ 49,000 $ 35,000
Marion, Iowa 1 $ 59,000 $ 59,000 $ 65,000
Muscatine, Iowa 1 $ 21,000 $ 21,000 $ 26,000
Page, Iowa 1 $ 50,000 $ 50,000 $ 48,000
Scott, Iowa 1 $ 18,000 $ 18,000 $ 119,000
Sioux, Iowa 1 $ 68,000 $ 68,000 $ 62,000
Story, Iowa 1 $ 77,000 $ 77,000 $ 58,000
Wapello, Iowa 1 $ 50,000 $ 50,000 $ 61,000
Allen, Kansas 1 $ 77,000 $ 77,000 $ 67,000
Atchison, Kansas 1 $ 50,000 $ 50,000 $ 60,000
Chautauqua, Kansas 1 $ 90,000 $ 90,000 $ 92,000
Crawford, Kansas 1 $ 76,000 $ 76,000 $ 65,000
Elk, Kansas 1 $ 79,000 $ 79,000 $ 107,000
Finney, Kansas 1 $ 84,000 $ 84,000 $ 37,000
Kingman, Kansas 1 $ 111,000 $ 111,000 $ 115,000
Lyon, Kansas 1 $ 92,000 $ 92,000 $ 90,000
Montgomery, Kansas 1 $ 74,000 $ 74,000 $ 133,000
Neosho, Kansas 1 $ 84,000 $ 84,000 $ 60,000
Seward, Kansas 1 $ 73,000 $ 73,000 $ 28,000
Allen, Kentucky 1 $ 66,000 $ 66,000 $ 67,000
Anderson, Kentucky 1 $ 61,000 $ 61,000 $ 80,000
Bath, Kentucky 1 $ 85,000 $ 85,000 $ 49,000
Bell, Kentucky 1 $ 42,000 $ 42,000 $ 26,000
Boone, Kentucky 1 $ 37,000 $ 37,000 $ 28,000
Bourbon, Kentucky 1 $ 42,000 $ 42,000 $ 40,000
Bullitt, Kentucky 1 $ 39,000 $ 39,000 $ 36,000
Casey, Kentucky 1 $ 51,000 $ 51,000 $ 47,000
Edmonson, Kentucky 1 $ 48,000 $ 48,000 $ 40,000
Fleming, Kentucky 1 $ 63,000 $ 63,000 $ 65,000
Garrard, Kentucky 1 $ 109,000 $ 109,000 $ 58,000
Hancock, Kentucky 1 $ 112,000 $ 112,000 $ 53,000
Jackson, Kentucky 1 $ 37,000 $ 37,000 $ 32,000
Larue, Kentucky 1 $ 16,000 $ 16,000 $ 155,000
Letcher, Kentucky 1 $ 40,000 $ 40,000 $ 52,000
Lincoln, Kentucky 1 $ 41,000 $ 41,000 $ 40,000
Magoffin, Kentucky 1 $ 45,000 $ 45,000 $ 40,000
Meade, Kentucky 1 $ 40,000 $ 40,000 $ 40,000
Menifee, Kentucky 1 $ 88,000 $ 88,000 $ 136,000
Monroe, Kentucky 1 $ 71,000 $ 71,000 $ 78,000
Montgomery, Kentucky 1 $ 93,000 $ 93,000 $ 52,000
Nelson, Kentucky 1 $ 81,000 $ 81,000 $ 56,000
Powell, Kentucky 1 $ 31,000 $ 31,000 $ 20,000
Whitley, Kentucky 1 $ 50,000 $ 50,000 $ 48,000
Garrett, Maryland 1 $ 67,000 $ 67,000 $ 55,000
Harford, Maryland 1 $ 41,000 $ 41,000 $ 54,000
Arenac, Michigan 1 $ 35,000 $ 35,000 $ 45,000
Benzie, Michigan 1 $ 49,000 $ 49,000 $ 38,000
Calhoun, Michigan 1 $ 15,000 $ 15,000 $ 59,000
Crawford, Michigan 1 $ 30,000 $ 30,000 $ 82,000
Genesee, Michigan 1 $ 52,000 $ 52,000 $ 52,000
Gladwin, Michigan 1 $ 11,000 $ 11,000 $ 80,000
Lapeer, Michigan 1 $ 29,000 $ 29,000 $ 32,000
Mecosta, Michigan 1 $ 57,000 $ 57,000 $ 34,000
Montcalm, Michigan 1 $ 30,000 $ 30,000 $ 30,000
Saginaw, Michigan 1 $ 53,000 $ 53,000 $ 87,000
Wexford, Michigan 1 $ 33,000 $ 33,000 $ 49,000
Benton, Minnesota 1 $ 13,000 $ 13,000 $ 52,000
Blue Earth, Minnesota 1 $ 27,000 $ 27,000 $ 22,000
Brown, Minnesota 1 $ 21,000 $ 21,000 $ 80,000
Carlton, Minnesota 1 $ 71,000 $ 71,000 $ 94,000
Isanti, Minnesota 1 $ 27,000 $ 27,000 $ 26,000
Mille Lacs, Minnesota 1 $ 57,000 $ 57,000 $ 54,000
Otter Tail, Minnesota 1 $ 115,000 $ 115,000 $ 164,000
Pine, Minnesota 1 $ 48,000 $ 48,000 $ 40,000
Todd, Minnesota 1 $ 54,000 $ 54,000 $ 56,000
Wilkin, Minnesota 1 $ 57,000 $ 57,000 $ 80,000
Winona, Minnesota 1 $ 53,000 $ 53,000 $ 104,000
Audrain, Missouri 1 $ 88,000 $ 88,000 $ 131,000
Barry, Missouri 1 $ 35,000 $ 35,000 $ 23,000
Buchanan, Missouri 1 $ 59,000 $ 59,000 $ 55,000
Butler, Missouri 1 $ 71,000 $ 71,000 $ 47,000
Caldwell, Missouri 1 $ 48,000 $ 48,000 $ 27,000
Callaway, Missouri 1 $ 24,000 $ 24,000 $ 18,000
Carroll, Missouri 1 $ 102,000 $ 102,000 $ 56,000
Carter, Missouri 1 $ 58,000 $ 58,000 $ 63,000
Cass, Missouri 1 $ 63,000 $ 63,000 $ 83,000
Cedar, Missouri 1 $ 40,000 $ 40,000 $ 55,000
Clark, Missouri 1 $ 34,000 $ 34,000 $ 111,000
Clay, Missouri 1 $ 25,000 $ 25,000 $ 34,000
Dallas, Missouri 1 $ 40,000 $ 40,000 $ 47,000
DeKalb, Missouri 1 $ 31,000 $ 31,000 $ 30,000
Franklin, Missouri 1 $ 129,000 $ 129,000 $ 75,000
Grundy, Missouri 1 $ 53,000 $ 53,000 $ 33,000
Iron, Missouri 1 $ 69,000 $ 69,000 $ 51,000
Jasper, Missouri 1 $ 24,000 $ 24,000 $ 68,000
Macon, Missouri 1 $ 19,000 $ 19,000 $ 39,000
Madison, Missouri 1 $ 19,000 $ 19,000 $ 41,000
Marion, Missouri 1 $ 60,000 $ 60,000 $ 50,000
Montgomery, Missouri 1 $ 50,000 $ 50,000 $ 178,000
Newton, Missouri 1 $ 48,000 $ 48,000 $ 86,000
Pulaski, Missouri 1 $ 37,000 $ 37,000 $ 23,000
Ralls, Missouri 1 $ 100,000 $ 100,000 $ 119,000
Reynolds, Missouri 1 $ 53,000 $ 53,000 $ 50,000
Ripley, Missouri 1 $ 50,000 $ 50,000 $ 31,000
Saline, Missouri 1 $ 57,000 $ 57,000 $ 36,000
Scott, Missouri 1 $ 41,000 $ 41,000 $ 51,000
St. Francois, Missouri 1 $ 72,000 $ 72,000 $ 47,000
Stoddard, Missouri 1 $ 29,000 $ 29,000 $ 52,000
Sullivan, Missouri 1 $ 43,000 $ 43,000 $ 120,000
Texas, Missouri 1 $ 34,000 $ 34,000 $ 33,000
Vernon, Missouri 1 $ 62,000 $ 62,000 $ 62,000
Webster, Missouri 1 $ 58,000 $ 58,000 $ 62,000
Carbon, Montana 1 $ 46,000 $ 46,000 $ 177,000
Glacier, Montana 1 $ 71,000 $ 71,000 $ 52,000
Jefferson, Montana 1 $ 81,000 $ 81,000 $ 50,000
Lewis and Clark, Montana 1 $ 55,000 $ 55,000 $ 34,000
Roosevelt, Montana 1 $ 91,000 $ 91,000 $ 29,000
Sheridan, Montana 1 $ 63,000 $ 63,000 $ 54,000
Hall, Nebraska 1 $ 79,000 $ 79,000 $ 72,000
Lancaster, Nebraska 1 $ 46,000 $ 46,000 $ 39,000
Salem, New Jersey 1 $ 105,000 $ 105,000 $ 101,000
Sussex, New Jersey 1 $ 20,000 $ 20,000 $ 41,000
Delaware, New York 1 $ 54,000 $ 54,000 $ 61,000
Essex, New York 1 $ 58,000 $ 58,000 $ 48,000
Fulton, New York 1 $ 89,000 $ 89,000 $ 37,000
Lewis, New York 1 $ 78,000 $ 78,000 $ 40,000
Livingston, New York 1 $ 22,000 $ 22,000 $ 36,000
Montgomery, New York 1 $ 56,000 $ 56,000 $ 36,000
Schuyler, New York 1 $ 52,000 $ 52,000 $ 48,000
St. Lawrence, New York 1 $ 81,000 $ 81,000 $ 70,000
Yates, New York 1 $ 43,000 $ 43,000 $ 85,000
Billings, North Dakota 1 $ 139,000 $ 139,000 $ 70,000
Bottineau, North Dakota 1 $ 150,000 $ 150,000 $ 296,000
Burleigh, North Dakota 1 $ 77,000 $ 77,000 $ 49,000
Divide, North Dakota 1 $ 151,000 $ 151,000 $ 63,000
McKenzie, North Dakota 1 $ 73,000 $ 73,000 $ 46,000
Mercer, North Dakota 1 $ 83,000 $ 83,000 $ 192,000
Pierce, North Dakota 1 $ 66,000 $ 66,000 $ 47,000
Renville, North Dakota 1 $ 104,000 $ 104,000 $ 64,000
Rolette, North Dakota 1 $ 63,000 $ 63,000 $ 270,000
Wells, North Dakota 1 $ 131,000 $ 131,000 $ 62,000
Ashtabula, Ohio 1 $ 84,000 $ 84,000 $ 95,000
Athens, Ohio 1 $ 78,000 $ 78,000 $ 126,000
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Mortgage Loan Application Detail Totals for Centier Bank in 2014

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 2,877 $274,096,000 $95,000 $7,650,000 $65,000 $6,008,000
Home Improvement 718 $23,974,000 $33,000 $632,000 $70,000 $308,000
Refinancing 560 $81,449,000 $145,000 $6,200,000 $105,000 $2,767,000

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 3,534 $278,299,000 $78,000 $1,960,000 $74,000 $6,008,000
Hispanic 233 $18,437,000 $79,000 $364,000 $67,000 $1,680,000
Black or African American 162 $9,345,000 $57,000 $696,000 $54,000 $262,000
Not Provided 95 $5,916,000 $62,000 $417,000 $77,000 $240,000
Not applicable 84 $61,548,000 $732,000 $7,650,000 $0 $0
Asian 33 $4,389,000 $133,000 $629,000 $95,000 $432,000
American Indian or Alaskan Native 12 $1,497,000 $124,000 $468,000 $92,000 $225,000
Native Hawaiian or Other Pacific Islander 2 $88,000 $44,000 $62,000 $51,000 $60,000

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) 3,900 $348,642,000 $89,000 $7,650,000 $72,000 $6,008,000
FHA-insured (Federal Housing Administration) 214 $25,777,000 $120,000 $372,000 $61,000 $1,680,000
VA-guaranteed (Veterans Administration) 26 $3,812,000 $146,000 $417,000 $54,000 $142,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 15 $1,288,000 $85,000 $117,000 $37,000 $52,000

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 2,402 $247,229,000 $102,000 $7,650,000 $74,000 $1,638,000
Application Approved But Not Accepted 1,012 $67,119,000 $66,000 $6,200,000 $57,000 $509,000
Application Denied By Financial Institution 512 $29,884,000 $58,000 $1,200,000 $61,000 $455,000
Application Withdrawn By Applicant 164 $25,673,000 $156,000 $4,000,000 $130,000 $6,008,000
File Closed For Incompleteness 65 $9,614,000 $147,000 $511,000 $134,000 $2,767,000
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 69 $8,893,000 $128,000 $480,000 $76,000 $455,000
Debt-To-Income Ratio 25 $4,477,000 $179,000 $1,200,000 $44,000 $213,000
Collateral 23 $2,472,000 $107,000 $247,000 $73,000 $168,000
Insufficient Cash (Downpayment, Closing Cost) 3 $702,000 $234,000 $364,000 $119,000 $159,000
Credit Application Incomplete 2 $207,000 $103,000 $118,000 $92,000 $149,000
Employment History 1 $196,000 $196,000 $196,000 $36,000 $36,000
Unverifiable Information 1 $76,000 $76,000 $76,000 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Centier Bank's 2014 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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