Centier Bank Mortgage Lending & HMDA Data, 2018

In 2018, Centier Bank of Merrillville, IN reported 6,614 mortgage applications totaling $863.7 million, up 25% from 2017. The average application was for $130,592, and applicants reported an average income of $86,876. 64% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Gary, IN (2,602), Indianapolis-Carmel-Anderson, IN (744) and Michigan City-La Porte, IN (290) (applications in parentheses).

Mortgage Company & Address Centier Bank
600 E 84th Avenue
Merrillville, IN 46410
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 6,614
Total Mortgage Loan Application Amount $863,740,000
Average Mortgage Loan Application Amount $130,592
Highest Mortgage Loan Application Amount $18,755,000
Average Applicant Income $86,876
Highest Applicant Income $7,203,000

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Act (HMDA) records Centier Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2018

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Lake, Indiana 1,608 $ 156,770,000 $ 97,493 $ 88,000
Porter, Indiana 935 $ 151,135,000 $ 161,641 $ 94,000
Marion, Indiana 389 $ 67,915,000 $ 174,588 $ 97,000
LaPorte, Indiana 290 $ 26,350,000 $ 90,862 $ 87,000
Tippecanoe, Indiana 233 $ 28,025,000 $ 120,278 $ 93,000
Hamilton, Indiana 170 $ 53,970,000 $ 317,470 $ 200,000
St. Joseph, Indiana 124 $ 31,500,000 $ 254,032 $ 71,000
Elkhart, Indiana 99 $ 26,395,000 $ 266,616 $ 60,000
Boone, Indiana 64 $ 23,400,000 $ 365,625 $ 333,000
Kent, Michigan 63 $ 3,015,000 $ 47,857 $ 58,000
Allen, Indiana 57 $ 27,905,000 $ 489,561 $ 117,000
White, Indiana 49 $ 7,445,000 $ 151,938 $ 89,000
Berks, Pennsylvania 49 $ 2,635,000 $ 53,775 $ 57,000
Jasper, Indiana 41 $ 5,925,000 $ 144,512 $ 77,000
Oakland, Michigan 41 $ 1,695,000 $ 41,341 $ 74,000
Saratoga, New York 41 $ 2,055,000 $ 50,121 $ 55,000
Lancaster, Pennsylvania 40 $ 1,490,000 $ 37,250 $ 52,000
Hendricks, Indiana 38 $ 17,840,000 $ 469,473 $ 146,000
Macomb, Michigan 37 $ 1,865,000 $ 50,405 $ 53,000
Bucks, Pennsylvania 35 $ 2,075,000 $ 59,285 $ 60,000
Howard, Indiana 33 $ 3,025,000 $ 91,666 $ 55,000
Ottawa, Michigan 32 $ 1,810,000 $ 56,562 $ 60,000
Washtenaw, Michigan 32 $ 1,510,000 $ 47,187 $ 68,000
Chester, Pennsylvania 32 $ 1,420,000 $ 44,375 $ 56,000
Weld, Colorado 31 $ 1,735,000 $ 55,967 $ 61,000
Cook, Illinois 28 $ 11,620,000 $ 415,000 $ 105,000
Marshall, Indiana 28 $ 9,100,000 $ 325,000 $ 79,000
Livingston, Michigan 28 $ 1,480,000 $ 52,857 $ 61,000
Montgomery, Pennsylvania 25 $ 1,405,000 $ 56,200 $ 65,000
Anne Arundel, Maryland 22 $ 1,550,000 $ 70,454 $ 70,000
York, Pennsylvania 21 $ 1,095,000 $ 52,142 $ 63,000
Madison, Indiana 20 $ 5,970,000 $ 298,500 $ 164,000
Starke, Indiana 20 $ 2,350,000 $ 117,500 $ 53,000
Mesa, Colorado 19 $ 1,045,000 $ 55,000 $ 52,000
Hancock, Indiana 19 $ 8,775,000 $ 461,842 $ 193,000
Johnson, Indiana 19 $ 6,805,000 $ 358,157 $ 193,000
Newton, Indiana 18 $ 1,330,000 $ 73,888 $ 61,000
Howard, Maryland 17 $ 1,105,000 $ 65,000 $ 73,000
Berrien, Michigan 17 $ 2,315,000 $ 136,176 $ 121,000
Larimer, Colorado 16 $ 790,000 $ 49,375 $ 63,000
Kosciusko, Indiana 16 $ 2,900,000 $ 181,250 $ 96,000
Wood, Ohio 16 $ 720,000 $ 45,000 $ 57,000
Berkeley, West Virginia 16 $ 720,000 $ 45,000 $ 58,000
Monongalia, West Virginia 16 $ 800,000 $ 50,000 $ 53,000
Adams, Colorado 15 $ 825,000 $ 55,000 $ 62,000
Carroll, Indiana 15 $ 1,835,000 $ 122,333 $ 66,000
Dauphin, Pennsylvania 15 $ 605,000 $ 40,333 $ 54,000
Wright, Minnesota 14 $ 570,000 $ 40,714 $ 43,000
Oswego, New York 14 $ 1,130,000 $ 80,714 $ 51,000
Adams, Pennsylvania 14 $ 590,000 $ 42,142 $ 62,000
Cumberland, Pennsylvania 14 $ 890,000 $ 63,571 $ 53,000
Genesee, Michigan 13 $ 1,745,000 $ 134,230 $ 60,000
Kalamazoo, Michigan 13 $ 625,000 $ 48,076 $ 59,000
St. Clair, Michigan 13 $ 725,000 $ 55,769 $ 62,000
Anoka, Minnesota 13 $ 545,000 $ 41,923 $ 50,000
Ontario, New York 13 $ 785,000 $ 60,384 $ 56,000
Kootenai, Idaho 12 $ 640,000 $ 53,333 $ 46,000
Onondaga, New York 12 $ 520,000 $ 43,333 $ 66,000
Stark, Ohio 12 $ 730,000 $ 60,833 $ 67,000
Will, Illinois 11 $ 1,265,000 $ 115,000 $ 88,000
Sedgwick, Kansas 11 $ 715,000 $ 65,000 $ 60,000
Allegan, Michigan 11 $ 695,000 $ 63,181 $ 67,000
Wayne, Michigan 11 $ 415,000 $ 37,727 $ 55,000
Licking, Ohio 11 $ 495,000 $ 45,000 $ 44,000
Erie, Pennsylvania 11 $ 345,000 $ 31,363 $ 59,000
Franklin, Pennsylvania 11 $ 495,000 $ 45,000 $ 52,000
Ada, Idaho 10 $ 600,000 $ 60,000 $ 42,000
Clinton, Indiana 10 $ 13,590,000 $ 1,359,000 $ 119,000
Morgan, Indiana 10 $ 2,020,000 $ 202,000 $ 83,000
Atlantic, New Jersey 10 $ 660,000 $ 66,000 $ 55,000
Burlington, New Jersey 10 $ 800,000 $ 80,000 $ 76,000
Cumberland, New Jersey 10 $ 640,000 $ 64,000 $ 66,000
Lehigh, Pennsylvania 10 $ 380,000 $ 38,000 $ 73,000
Northampton, Pennsylvania 10 $ 390,000 $ 39,000 $ 55,000
El Paso, Colorado 9 $ 535,000 $ 59,444 $ 54,000
Garfield, Colorado 9 $ 845,000 $ 93,888 $ 92,000
Montrose, Colorado 9 $ 805,000 $ 89,444 $ 67,000
Delaware, Indiana 9 $ 2,275,000 $ 252,777 $ 167,000
Lenawee, Michigan 9 $ 405,000 $ 45,000 $ 79,000
Monroe, Michigan 9 $ 345,000 $ 38,333 $ 48,000
Shiawassee, Michigan 9 $ 265,000 $ 29,444 $ 56,000
Middlesex, New Jersey 9 $ 645,000 $ 71,666 $ 77,000
Ocean, New Jersey 9 $ 565,000 $ 62,777 $ 67,000
Herkimer, New York 9 $ 515,000 $ 57,222 $ 60,000
St. Lawrence, New York 9 $ 645,000 $ 71,666 $ 61,000
Lebanon, Pennsylvania 9 $ 355,000 $ 39,444 $ 54,000
Shelby, Indiana 8 $ 1,340,000 $ 167,500 $ 61,000
Albany, New York 8 $ 560,000 $ 70,000 $ 64,000
Niagara, New York 8 $ 500,000 $ 62,500 $ 59,000
Oneida, New York 8 $ 490,000 $ 61,250 $ 51,000
Rensselaer, New York 8 $ 350,000 $ 43,750 $ 69,000
Carbon, Pennsylvania 8 $ 350,000 $ 43,750 $ 50,000
Kent, Delaware 7 $ 245,000 $ 35,000 $ 41,000
Monroe, Indiana 7 $ 1,685,000 $ 240,714 $ 230,000
Baltimore, Maryland 7 $ 265,000 $ 37,857 $ 52,000
Ionia, Michigan 7 $ 325,000 $ 46,428 $ 60,000
Jefferson, New York 7 $ 375,000 $ 53,571 $ 69,000
Ulster, New York 7 $ 415,000 $ 59,285 $ 59,000
Clark, Ohio 7 $ 235,000 $ 33,571 $ 52,000
Columbiana, Ohio 7 $ 275,000 $ 39,285 $ 53,000
Westmoreland, Pennsylvania 7 $ 315,000 $ 45,000 $ 67,000
Eau Claire, Wisconsin 7 $ 395,000 $ 56,428 $ 54,000
New Castle, Delaware 6 $ 230,000 $ 38,333 $ 59,000
Sussex, Delaware 6 $ 380,000 $ 63,333 $ 108,000
Benton, Indiana 6 $ 1,510,000 $ 251,666 $ 38,000
Montgomery, Indiana 6 $ 1,060,000 $ 176,666 $ 90,000
Prince George's, Maryland 6 $ 490,000 $ 81,666 $ 61,000
Carver, Minnesota 6 $ 300,000 $ 50,000 $ 49,000
Gloucester, New Jersey 6 $ 190,000 $ 31,666 $ 45,000
Chenango, New York 6 $ 500,000 $ 83,333 $ 98,000
Orange, New York 6 $ 530,000 $ 88,333 $ 70,000
Franklin, Ohio 6 $ 210,000 $ 35,000 $ 49,000
Allegheny, Pennsylvania 6 $ 310,000 $ 51,666 $ 78,000
Butler, Pennsylvania 6 $ 340,000 $ 56,666 $ 54,000
Schuylkill, Pennsylvania 6 $ 240,000 $ 40,000 $ 39,000
Minnehaha, South Dakota 6 $ 180,000 $ 30,000 $ 42,000
Augusta, Virginia 6 $ 370,000 $ 61,666 $ 58,000
Eagle, Colorado 5 $ 735,000 $ 147,000 $ 145,000
La Plata, Colorado 5 $ 315,000 $ 63,000 $ 88,000
Champaign, Illinois 5 $ 225,000 $ 45,000 $ 50,000
Kankakee, Illinois 5 $ 295,000 $ 59,000 $ 60,000
McLean, Illinois 5 $ 255,000 $ 51,000 $ 58,000
Brown, Indiana 5 $ 1,755,000 $ 351,000 $ 201,000
Whitley, Indiana 5 $ 545,000 $ 109,000 $ 89,000
Polk, Iowa 5 $ 245,000 $ 49,000 $ 54,000
Cass, Michigan 5 $ 2,365,000 $ 473,000 $ 60,000
Ingham, Michigan 5 $ 225,000 $ 45,000 $ 96,000
McLeod, Minnesota 5 $ 225,000 $ 45,000 $ 47,000
Pennington, Minnesota 5 $ 235,000 $ 47,000 $ 51,000
Clay, Missouri 5 $ 215,000 $ 43,000 $ 47,000
Yellowstone, Montana 5 $ 235,000 $ 47,000 $ 42,000
Monmouth, New Jersey 5 $ 275,000 $ 55,000 $ 65,000
Cayuga, New York 5 $ 235,000 $ 47,000 $ 65,000
Madison, New York 5 $ 255,000 $ 51,000 $ 49,000
Otsego, New York 5 $ 435,000 $ 87,000 $ 95,000
Washington, New York 5 $ 295,000 $ 59,000 $ 38,000
Lucas, Ohio 5 $ 115,000 $ 23,000 $ 51,000
Washington, Pennsylvania 5 $ 355,000 $ 71,000 $ 46,000
Isle of Wight, Virginia 5 $ 235,000 $ 47,000 $ 50,000
Wood, West Virginia 5 $ 405,000 $ 81,000 $ 66,000
Lee, Florida 4 $ 2,000,000 $ 500,000 $ 322,000
DeKalb, Indiana 4 $ 760,000 $ 190,000 $ 70,000
Henry, Indiana 4 $ 1,770,000 $ 442,500 $ 238,000
Pulaski, Indiana 4 $ 270,000 $ 67,500 $ 83,000
Reno, Kansas 4 $ 270,000 $ 67,500 $ 60,000
Muskegon, Michigan 4 $ 340,000 $ 85,000 $ 111,000
Dakota, Minnesota 4 $ 220,000 $ 55,000 $ 59,000
Hennepin, Minnesota 4 $ 220,000 $ 55,000 $ 43,000
Ramsey, Minnesota 4 $ 170,000 $ 42,500 $ 60,000
Washington, Minnesota 4 $ 190,000 $ 47,500 $ 39,000
Flathead, Montana 4 $ 310,000 $ 77,500 $ 49,000
Camden, New Jersey 4 $ 220,000 $ 55,000 $ 55,000
Cape May, New Jersey 4 $ 310,000 $ 77,500 $ 61,000
Broome, New York 4 $ 200,000 $ 50,000 $ 48,000
Columbia, New York 4 $ 240,000 $ 60,000 $ 41,000
Suffolk, New York 4 $ 480,000 $ 120,000 $ 66,000
Tioga, New York 4 $ 440,000 $ 110,000 $ 82,000
Wayne, New York 4 $ 250,000 $ 62,500 $ 78,000
Montgomery, Ohio 4 $ 140,000 $ 35,000 $ 65,000
Portage, Ohio 4 $ 210,000 $ 52,500 $ 111,000
Luzerne, Pennsylvania 4 $ 130,000 $ 32,500 $ 46,000
Wise, Virginia 4 $ 230,000 $ 57,500 $ 57,000
Greenbrier, West Virginia 4 $ 230,000 $ 57,500 $ 32,000
Wayne, West Virginia 4 $ 260,000 $ 65,000 $ 63,000
Laramie, Wyoming 4 $ 180,000 $ 45,000 $ 47,000
Union, Arkansas 3 $ 175,000 $ 58,333 $ 48,000
Boulder, Colorado 3 $ 255,000 $ 85,000 $ 80,000
Chaffee, Colorado 3 $ 285,000 $ 95,000 $ 96,000
Delta, Colorado 3 $ 315,000 $ 105,000 $ 51,000
Jefferson, Colorado 3 $ 195,000 $ 65,000 $ 85,000
Pueblo, Colorado 3 $ 165,000 $ 55,000 $ 70,000
Lake, Florida 3 $ 325,000 $ 108,333 $ 66,000
Canyon, Idaho 3 $ 385,000 $ 128,333 $ 65,000
Kane, Illinois 3 $ 175,000 $ 58,333 $ 51,000
Williamson, Illinois 3 $ 185,000 $ 61,666 $ 55,000
Cass, Indiana 3 $ 735,000 $ 245,000 $ 75,000
Fountain, Indiana 3 $ 255,000 $ 85,000 $ 56,000
Fulton, Indiana 3 $ 195,000 $ 65,000 $ 22,000
LaGrange, Indiana 3 $ 205,000 $ 68,333 $ 87,000
Lawrence, Indiana 3 $ 245,000 $ 81,666 $ 412,000
Warren, Indiana 3 $ 75,000 $ 25,000 $ 31,000
Pottawattamie, Iowa 3 $ 135,000 $ 45,000 $ 49,000
Pottawatomie, Kansas 3 $ 185,000 $ 61,666 $ 45,000
Washington, Maryland 3 $ 145,000 $ 48,333 $ 50,000
Jackson, Michigan 3 $ 115,000 $ 38,333 $ 62,000
Newaygo, Michigan 3 $ 95,000 $ 31,666 $ 19,000
Van Buren, Michigan 3 $ 125,000 $ 41,666 $ 112,000
Pine, Minnesota 3 $ 395,000 $ 131,666 $ 92,000
St. Louis, Minnesota 3 $ 125,000 $ 41,666 $ 24,000
Stearns, Minnesota 3 $ 285,000 $ 95,000 $ 87,000
Cape Girardeau, Missouri 3 $ 125,000 $ 41,666 $ 29,000
Greene, Missouri 3 $ 155,000 $ 51,666 $ 60,000
Laclede, Missouri 3 $ 145,000 $ 48,333 $ 34,000
Lincoln, Missouri 3 $ 175,000 $ 58,333 $ 74,000
Scott, Missouri 3 $ 175,000 $ 58,333 $ 47,000
St. Charles, Missouri 3 $ 165,000 $ 55,000 $ 53,000
St. Francois, Missouri 3 $ 195,000 $ 65,000 $ 36,000
Salem, New Jersey 3 $ 185,000 $ 61,666 $ 70,000
Clinton, New York 3 $ 335,000 $ 111,666 $ 85,000
Franklin, New York 3 $ 165,000 $ 55,000 $ 51,000
Monroe, New York 3 $ 95,000 $ 31,666 $ 44,000
Montgomery, New York 3 $ 125,000 $ 41,666 $ 45,000
Orleans, New York 3 $ 95,000 $ 31,666 $ 26,000
Putnam, New York 3 $ 215,000 $ 71,666 $ 81,000
Seneca, New York 3 $ 185,000 $ 61,666 $ 59,000
Steuben, New York 3 $ 245,000 $ 81,666 $ 68,000
Sullivan, New York 3 $ 135,000 $ 45,000 $ 42,000
Tompkins, New York 3 $ 165,000 $ 55,000 $ 74,000
Delaware, Ohio 3 $ 145,000 $ 48,333 $ 45,000
Fulton, Ohio 3 $ 85,000 $ 28,333 $ 37,000
Hamilton, Ohio 3 $ 155,000 $ 51,666 $ 64,000
Hancock, Ohio 3 $ 115,000 $ 38,333 $ 37,000
Ross, Ohio 3 $ 155,000 $ 51,666 $ 55,000
Centre, Pennsylvania 3 $ 95,000 $ 31,666 $ 47,000
Greene, Pennsylvania 3 $ 185,000 $ 61,666 $ 49,000
Indiana, Pennsylvania 3 $ 185,000 $ 61,666 $ 50,000
Travis, Texas 3 $ 155,000 $ 51,666 $ 92,000
Logan, West Virginia 3 $ 255,000 $ 85,000 $ 70,000
Nicholas, West Virginia 3 $ 185,000 $ 61,666 $ 63,000
Maricopa, Arizona 2 $ 230,000 $ 115,000 $ 53,000
Pima, Arizona 2 $ 130,000 $ 65,000 $ 65,000
Manatee, Florida 2 $ 1,380,000 $ 690,000 $ 136,000
Orange, Florida 2 $ 120,000 $ 60,000 $ 79,000
Payette, Idaho 2 $ 110,000 $ 55,000 $ 42,000
Winnebago, Illinois 2 $ 50,000 $ 25,000 $ 38,000
Bartholomew, Indiana 2 $ 130,000 $ 65,000 $ 149,000
Putnam, Indiana 2 $ 210,000 $ 105,000 $ 35,000
Steuben, Indiana 2 $ 520,000 $ 260,000 $ 120,000
Wabash, Indiana 2 $ 680,000 $ 340,000 $ 28,000
Johnson, Iowa 2 $ 90,000 $ 45,000 $ 42,000
Linn, Iowa 2 $ 90,000 $ 45,000 $ 32,000
Louisa, Iowa 2 $ 140,000 $ 70,000 $ 110,000
Muscatine, Iowa 2 $ 50,000 $ 25,000 $ 36,000
Butler, Kansas 2 $ 80,000 $ 40,000 $ 30,000
Finney, Kansas 2 $ 90,000 $ 45,000 $ 114,000
Miami, Kansas 2 $ 90,000 $ 45,000 $ 53,000
Montgomery, Kansas 2 $ 80,000 $ 40,000 $ 25,000
Riley, Kansas 2 $ 150,000 $ 75,000 $ 27,000
Saline, Kansas 2 $ 120,000 $ 60,000 $ 38,000
Hancock, Kentucky 2 $ 140,000 $ 70,000 $ 31,000
Kenton, Kentucky 2 $ 90,000 $ 45,000 $ 85,000
Laurel, Kentucky 2 $ 170,000 $ 85,000 $ 53,000
Barry, Michigan 2 $ 160,000 $ 80,000 $ 80,000
Clinton, Michigan 2 $ 70,000 $ 35,000 $ 82,000
Emmet, Michigan 2 $ 80,000 $ 40,000 $ 42,000
Grand Traverse, Michigan 2 $ 80,000 $ 40,000 $ 69,000
Sanilac, Michigan 2 $ 130,000 $ 65,000 $ 119,000
Wexford, Michigan 2 $ 60,000 $ 30,000 $ 40,000
Carlton, Minnesota 2 $ 90,000 $ 45,000 $ 91,000
Chisago, Minnesota 2 $ 140,000 $ 70,000 $ 32,000
Dodge, Minnesota 2 $ 60,000 $ 30,000 $ 31,000
Mille Lacs, Minnesota 2 $ 130,000 $ 65,000 $ 66,000
Scott, Minnesota 2 $ 100,000 $ 50,000 $ 34,000
Monroe, Mississippi 2 $ 120,000 $ 60,000 $ 48,000
Callaway, Missouri 2 $ 110,000 $ 55,000 $ 58,000
Dade, Missouri 2 $ 110,000 $ 55,000 $ 34,000
Henry, Missouri 2 $ 80,000 $ 40,000 $ 37,000
Howell, Missouri 2 $ 140,000 $ 70,000 $ 43,000
Jackson, Missouri 2 $ 170,000 $ 85,000 $ 79,000
Jefferson, Missouri 2 $ 100,000 $ 50,000 $ 88,000
McDonald, Missouri 2 $ 110,000 $ 55,000 $ 29,000
Newton, Missouri 2 $ 70,000 $ 35,000 $ 26,000
Pike, Missouri 2 $ 90,000 $ 45,000 $ 214,000
Shannon, Missouri 2 $ 60,000 $ 30,000 $ 46,000
Vernon, Missouri 2 $ 100,000 $ 50,000 $ 56,000
Gallatin, Montana 2 $ 150,000 $ 75,000 $ 53,000
Missoula, Montana 2 $ 110,000 $ 55,000 $ 47,000
Valley, Montana 2 $ 150,000 $ 75,000 $ 67,000
Cass, Nebraska 2 $ 240,000 $ 120,000 $ 70,000
Keith, Nebraska 2 $ 190,000 $ 95,000 $ 100,000
Madison, Nebraska 2 $ 110,000 $ 55,000 $ 40,000
Sarpy, Nebraska 2 $ 110,000 $ 55,000 $ 46,000
Morris, New Jersey 2 $ 80,000 $ 40,000 $ 63,000
Cattaraugus, New York 2 $ 160,000 $ 80,000 $ 97,000
Chautauqua, New York 2 $ 140,000 $ 70,000 $ 232,000
Delaware, New York 2 $ 230,000 $ 115,000 $ 57,000
Dutchess, New York 2 $ 70,000 $ 35,000 $ 57,000
Erie, New York 2 $ 120,000 $ 60,000 $ 56,000
Greene, New York 2 $ 90,000 $ 45,000 $ 64,000
Rockland, New York 2 $ 70,000 $ 35,000 $ 69,000
Schoharie, New York 2 $ 110,000 $ 55,000 $ 49,000
Williams, North Dakota 2 $ 210,000 $ 105,000 $ 130,000
Allen, Ohio 2 $ 60,000 $ 30,000 $ 47,000
Highland, Ohio 2 $ 110,000 $ 55,000 $ 44,000
Jefferson, Ohio 2 $ 170,000 $ 85,000 $ 57,000
Mercer, Ohio 2 $ 60,000 $ 30,000 $ 35,000
Scioto, Ohio 2 $ 90,000 $ 45,000 $ 68,000
Tuscarawas, Ohio 2 $ 230,000 $ 115,000 $ 57,000
Van Wert, Ohio 2 $ 60,000 $ 30,000 $ 43,000
Wayne, Ohio 2 $ 120,000 $ 60,000 $ 90,000
Cleveland, Oklahoma 2 $ 220,000 $ 110,000 $ 72,000
Beaver, Pennsylvania 2 $ 110,000 $ 55,000 $ 98,000
Crawford, Pennsylvania 2 $ 190,000 $ 95,000 $ 39,000
Fayette, Pennsylvania 2 $ 140,000 $ 70,000 $ 49,000
Clay, South Dakota 2 $ 130,000 $ 65,000 $ 153,000
Lawrence, South Dakota 2 $ 130,000 $ 65,000 $ 47,000
Lincoln, South Dakota 2 $ 110,000 $ 55,000 $ 42,000
Hays, Texas 2 $ 100,000 $ 50,000 $ 87,000
Henderson, Texas 2 $ 170,000 $ 85,000 $ 82,000
Johnson, Texas 2 $ 170,000 $ 85,000 $ 51,000
Milam, Texas 2 $ 250,000 $ 125,000 $ 102,000
Campbell, Virginia 2 $ 90,000 $ 45,000 $ 58,000
Carroll, Virginia 2 $ 150,000 $ 75,000 $ 47,000
Chesterfield, Virginia 2 $ 80,000 $ 40,000 $ 35,000
Newport News, Virginia 2 $ 60,000 $ 30,000 $ 32,000
Clay, West Virginia 2 $ 120,000 $ 60,000 $ 52,000
Hampshire, West Virginia 2 $ 110,000 $ 55,000 $ 27,000
Hancock, West Virginia 2 $ 170,000 $ 85,000 $ 82,000
Harrison, West Virginia 2 $ 130,000 $ 65,000 $ 39,000
Kanawha, West Virginia 2 $ 110,000 $ 55,000 $ 57,000
McDowell, West Virginia 2 $ 100,000 $ 50,000 $ 87,000
Mingo, West Virginia 2 $ 190,000 $ 95,000 $ 75,000
Barron, Wisconsin 2 $ 160,000 $ 80,000 $ 54,000
Dunn, Wisconsin 2 $ 50,000 $ 25,000 $ 84,000
Grant, Wisconsin 2 $ 130,000 $ 65,000 $ 280,000
La Crosse, Wisconsin 2 $ 110,000 $ 55,000 $ 98,000
Pierce, Wisconsin 2 $ 120,000 $ 60,000 $ 133,000
Polk, Wisconsin 2 $ 120,000 $ 60,000 $ 69,000
Racine, Wisconsin 2 $ 80,000 $ 40,000 $ 62,000
Sheboygan, Wisconsin 2 $ 110,000 $ 55,000 $ 46,000
St. Croix, Wisconsin 2 $ 150,000 $ 75,000 $ 42,000
San Diego, California 1 $ 18,005,000 $ 18,005,000 $ 0
Baca, Colorado 1 $ 125,000 $ 125,000 $ 37,000
Fremont, Colorado 1 $ 25,000 $ 25,000 $ 30,000
Jackson, Colorado 1 $ 55,000 $ 55,000 $ 48,000
Morgan, Colorado 1 $ 105,000 $ 105,000 $ 71,000
Saguache, Colorado 1 $ 45,000 $ 45,000 $ 44,000
Summit, Colorado 1 $ 55,000 $ 55,000 $ 52,000
Brevard, Florida 1 $ 65,000 $ 65,000 $ 161,000
Charlotte, Florida 1 $ 285,000 $ 285,000 $ 517,000
Duval, Florida 1 $ 195,000 $ 195,000 $ 90,000
Escambia, Florida 1 $ 135,000 $ 135,000 $ 80,000
Highlands, Florida 1 $ 55,000 $ 55,000 $ 57,000
Palm Beach, Florida 1 $ 15,000 $ 15,000 $ 34,000
Pasco, Florida 1 $ 105,000 $ 105,000 $ 323,000
Pinellas, Florida 1 $ 95,000 $ 95,000 $ 74,000
Sarasota, Florida 1 $ 145,000 $ 145,000 $ 57,000
Hall, Georgia 1 $ 35,000 $ 35,000 $ 46,000
Blaine, Idaho 1 $ 135,000 $ 135,000 $ 99,000
Boundary, Idaho 1 $ 25,000 $ 25,000 $ 87,000
Gem, Idaho 1 $ 35,000 $ 35,000 $ 27,000
Owyhee, Idaho 1 $ 45,000 $ 45,000 $ 48,000
Alexander, Illinois 1 $ 45,000 $ 45,000 $ 80,000
Bond, Illinois 1 $ 35,000 $ 35,000 $ 16,000
Crawford, Illinois 1 $ 55,000 $ 55,000 $ 56,000
Franklin, Illinois 1 $ 125,000 $ 125,000 $ 76,000
Grundy, Illinois 1 $ 95,000 $ 95,000 $ 31,000
Jackson, Illinois 1 $ 45,000 $ 45,000 $ 72,000
Lake, Illinois 1 $ 45,000 $ 45,000 $ 156,000
LaSalle, Illinois 1 $ 65,000 $ 65,000 $ 110,000
Lawrence, Illinois 1 $ 45,000 $ 45,000 $ 55,000
McHenry, Illinois 1 $ 115,000 $ 115,000 $ 61,000
Pulaski, Illinois 1 $ 105,000 $ 105,000 $ 156,000
Schuyler, Illinois 1 $ 75,000 $ 75,000 $ 60,000
St. Clair, Illinois 1 $ 35,000 $ 35,000 $ 49,000
White, Illinois 1 $ 65,000 $ 65,000 $ 30,000
Clay, Indiana 1 $ 55,000 $ 55,000 $ 50,000
Decatur, Indiana 1 $ 25,000 $ 25,000 $ 45,000
Grant, Indiana 1 $ 145,000 $ 145,000 $ 170,000
Knox, Indiana 1 $ 105,000 $ 105,000 $ 52,000
Noble, Indiana 1 $ 165,000 $ 165,000 $ 67,000
Owen, Indiana 1 $ 25,000 $ 25,000 $ 28,000
Parke, Indiana 1 $ 55,000 $ 55,000 $ 39,000
Ripley, Indiana 1 $ 305,000 $ 305,000 $ 439,000
Spencer, Indiana 1 $ 105,000 $ 105,000 $ 63,000
Tipton, Indiana 1 $ 65,000 $ 65,000 $ 90,000
Vermillion, Indiana 1 $ 35,000 $ 35,000 $ 35,000
Vigo, Indiana 1 $ 295,000 $ 295,000 $ 83,000
Wells, Indiana 1 $ 35,000 $ 35,000 $ 35,000
Allamakee, Iowa 1 $ 45,000 $ 45,000 $ 32,000
Bremer, Iowa 1 $ 45,000 $ 45,000 $ 42,000
Dallas, Iowa 1 $ 115,000 $ 115,000 $ 79,000
Dickinson, Iowa 1 $ 45,000 $ 45,000 $ 25,000
Dubuque, Iowa 1 $ 55,000 $ 55,000 $ 64,000
Floyd, Iowa 1 $ 15,000 $ 15,000 $ 30,000
Jasper, Iowa 1 $ 55,000 $ 55,000 $ 35,000
Mahaska, Iowa 1 $ 25,000 $ 25,000 $ 58,000
Monroe, Iowa 1 $ 85,000 $ 85,000 $ 87,000
Scott, Iowa 1 $ 35,000 $ 35,000 $ 53,000
Warren, Iowa 1 $ 85,000 $ 85,000 $ 68,000
Barber, Kansas 1 $ 135,000 $ 135,000 $ 127,000
Bourbon, Kansas 1 $ 75,000 $ 75,000 $ 30,000
Chase, Kansas 1 $ 85,000 $ 85,000 $ 96,000
Cherokee, Kansas 1 $ 95,000 $ 95,000 $ 50,000
Coffey, Kansas 1 $ 55,000 $ 55,000 $ 89,000
Cowley, Kansas 1 $ 55,000 $ 55,000 $ 81,000
Crawford, Kansas 1 $ 115,000 $ 115,000 $ 66,000
Doniphan, Kansas 1 $ 55,000 $ 55,000 $ 83,000
Douglas, Kansas 1 $ 75,000 $ 75,000 $ 21,000
Franklin, Kansas 1 $ 115,000 $ 115,000 $ 104,000
Greenwood, Kansas 1 $ 25,000 $ 25,000 $ 37,000
Harvey, Kansas 1 $ 35,000 $ 35,000 $ 39,000
Jefferson, Kansas 1 $ 125,000 $ 125,000 $ 149,000
McPherson, Kansas 1 $ 55,000 $ 55,000 $ 33,000
Morris, Kansas 1 $ 75,000 $ 75,000 $ 57,000
Pratt, Kansas 1 $ 75,000 $ 75,000 $ 106,000
Shawnee, Kansas 1 $ 15,000 $ 15,000 $ 22,000
Sumner, Kansas 1 $ 125,000 $ 125,000 $ 64,000
Wilson, Kansas 1 $ 25,000 $ 25,000 $ 40,000
Adair, Kentucky 1 $ 35,000 $ 35,000 $ 46,000
Anderson, Kentucky 1 $ 155,000 $ 155,000 $ 200,000
Breathitt, Kentucky 1 $ 35,000 $ 35,000 $ 51,000
Butler, Kentucky 1 $ 55,000 $ 55,000 $ 62,000
Christian, Kentucky 1 $ 65,000 $ 65,000 $ 70,000
Clark, Kentucky 1 $ 45,000 $ 45,000 $ 146,000
Clay, Kentucky 1 $ 165,000 $ 165,000 $ 112,000
Daviess, Kentucky 1 $ 65,000 $ 65,000 $ 59,000
Edmonson, Kentucky 1 $ 45,000 $ 45,000 $ 70,000
Floyd, Kentucky 1 $ 65,000 $ 65,000 $ 23,000
Graves, Kentucky 1 $ 35,000 $ 35,000 $ 27,000
Johnson, Kentucky 1 $ 235,000 $ 235,000 $ 138,000
Leslie, Kentucky 1 $ 65,000 $ 65,000 $ 134,000
Lincoln, Kentucky 1 $ 75,000 $ 75,000 $ 52,000
Magoffin, Kentucky 1 $ 45,000 $ 45,000 $ 68,000
McCreary, Kentucky 1 $ 65,000 $ 65,000 $ 78,000
Meade, Kentucky 1 $ 85,000 $ 85,000 $ 31,000
Mercer, Kentucky 1 $ 35,000 $ 35,000 $ 31,000
Ohio, Kentucky 1 $ 95,000 $ 95,000 $ 113,000
Pulaski, Kentucky 1 $ 45,000 $ 45,000 $ 54,000
Wayne, Kentucky 1 $ 65,000 $ 65,000 $ 83,000
Iberia, Louisiana 1 $ 75,000 $ 75,000 $ 42,000
Washington, Louisiana 1 $ 85,000 $ 85,000 $ 74,000
Caroline, Maryland 1 $ 55,000 $ 55,000 $ 18,000
Harford, Maryland 1 $ 65,000 $ 65,000 $ 53,000
Antrim, Michigan 1 $ 75,000 $ 75,000 $ 53,000
Branch, Michigan 1 $ 55,000 $ 55,000 $ 52,000
Calhoun, Michigan 1 $ 45,000 $ 45,000 $ 42,000
Charlevoix, Michigan 1 $ 55,000 $ 55,000 $ 48,000
Chippewa, Michigan 1 $ 45,000 $ 45,000 $ 18,000
Hillsdale, Michigan 1 $ 65,000 $ 65,000 $ 47,000
Isabella, Michigan 1 $ 55,000 $ 55,000 $ 52,000
Kalkaska, Michigan 1 $ 45,000 $ 45,000 $ 103,000
Lapeer, Michigan 1 $ 75,000 $ 75,000 $ 94,000
Mecosta, Michigan 1 $ 55,000 $ 55,000 $ 95,000
Montcalm, Michigan 1 $ 25,000 $ 25,000 $ 41,000
Otsego, Michigan 1 $ 25,000 $ 25,000 $ 47,000
Saginaw, Michigan 1 $ 45,000 $ 45,000 $ 83,000
St. Joseph, Michigan 1 $ 155,000 $ 155,000 $ 150,000
Aitkin, Minnesota 1 $ 125,000 $ 125,000 $ 103,000
Beltrami, Minnesota 1 $ 75,000 $ 75,000 $ 32,000
Cass, Minnesota 1 $ 75,000 $ 75,000 $ 32,000
Crow Wing, Minnesota 1 $ 25,000 $ 25,000 $ 54,000
Douglas, Minnesota 1 $ 65,000 $ 65,000 $ 81,000
Freeborn, Minnesota 1 $ 85,000 $ 85,000 $ 47,000
Goodhue, Minnesota 1 $ 65,000 $ 65,000 $ 50,000
Isanti, Minnesota 1 $ 35,000 $ 35,000 $ 31,000
Itasca, Minnesota 1 $ 65,000 $ 65,000 $ 53,000
Martin, Minnesota 1 $ 55,000 $ 55,000 $ 44,000
Meeker, Minnesota 1 $ 55,000 $ 55,000 $ 42,000
Olmsted, Minnesota 1 $ 85,000 $ 85,000 $ 55,000
Polk, Minnesota 1 $ 105,000 $ 105,000 $ 92,000
Roseau, Minnesota 1 $ 55,000 $ 55,000 $ 31,000
Sherburne, Minnesota 1 $ 75,000 $ 75,000 $ 42,000
Steele, Minnesota 1 $ 35,000 $ 35,000 $ 24,000
Chickasaw, Mississippi 1 $ 65,000 $ 65,000 $ 60,000
Scott, Mississippi 1 $ 115,000 $ 115,000 $ 85,000
Audrain, Missouri 1 $ 75,000 $ 75,000 $ 42,000
Barry, Missouri 1 $ 85,000 $ 85,000 $ 42,000
Bates, Missouri 1 $ 45,000 $ 45,000 $ 36,000
Benton, Missouri 1 $ 55,000 $ 55,000 $ 50,000
Buchanan, Missouri 1 $ 55,000 $ 55,000 $ 137,000
Cass, Missouri 1 $ 65,000 $ 65,000 $ 66,000
Christian, Missouri 1 $ 55,000 $ 55,000 $ 50,000
Clinton, Missouri 1 $ 65,000 $ 65,000 $ 98,000
Crawford, Missouri 1 $ 55,000 $ 55,000 $ 94,000
Douglas, Missouri 1 $ 105,000 $ 105,000 $ 63,000
Franklin, Missouri 1 $ 45,000 $ 45,000 $ 86,000
Jasper, Missouri 1 $ 85,000 $ 85,000 $ 55,000
Johnson, Missouri 1 $ 45,000 $ 45,000 $ 78,000
Lawrence, Missouri 1 $ 55,000 $ 55,000 $ 39,000
Montgomery, Missouri 1 $ 95,000 $ 95,000 $ 45,000
Ozark, Missouri 1 $ 15,000 $ 15,000 $ 50,000
Perry, Missouri 1 $ 75,000 $ 75,000 $ 82,000
Phelps, Missouri 1 $ 35,000 $ 35,000 $ 72,000
Schuyler, Missouri 1 $ 65,000 $ 65,000 $ 56,000
Stoddard, Missouri 1 $ 115,000 $ 115,000 $ 57,000
Stone, Missouri 1 $ 45,000 $ 45,000 $ 44,000
Washington, Missouri 1 $ 35,000 $ 35,000 $ 70,000
Webster, Missouri 1 $ 45,000 $ 45,000 $ 13,000
Carbon, Montana 1 $ 85,000 $ 85,000 $ 80,000
Cascade, Montana 1 $ 35,000 $ 35,000 $ 36,000
Fallon, Montana 1 $ 55,000 $ 55,000 $ 70,000
Fergus, Montana 1 $ 85,000 $ 85,000 $ 159,000
Lewis and Clark, Montana 1 $ 25,000 $ 25,000 $ 120,000
Lincoln, Montana 1 $ 75,000 $ 75,000 $ 48,000
Park, Montana 1 $ 65,000 $ 65,000 $ 104,000
Ravalli, Montana 1 $ 75,000 $ 75,000 $ 77,000
Richland, Montana 1 $ 155,000 $ 155,000 $ 65,000
Rosebud, Montana 1 $ 65,000 $ 65,000 $ 53,000
Box Butte, Nebraska 1 $ 25,000 $ 25,000 $ 34,000
Garden, Nebraska 1 $ 115,000 $ 115,000 $ 107,000
Hall, Nebraska 1 $ 45,000 $ 45,000 $ 17,000
Otoe, Nebraska 1 $ 95,000 $ 95,000 $ 132,000
Polk, Nebraska 1 $ 105,000 $ 105,000 $ 109,000
Mora, New Mexico 1 $ 145,000 $ 145,000 $ 106,000
San Juan, New Mexico 1 $ 25,000 $ 25,000 $ 51,000
Santa Fe, New Mexico 1 $ 155,000 $ 155,000 $ 81,000
Allegany, New York 1 $ 85,000 $ 85,000 $ 88,000
Chemung, New York 1 $ 55,000 $ 55,000 $ 50,000
Genesee, New York 1 $ 25,000 $ 25,000 $ 37,000
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Mortgage Loan Application Detail Totals for Centier Bank in 2018

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 4,105 $565,725,000 $137,000 $16,005,000 $80,000 $7,203,000
Home Improvement 1,088 $49,360,000 $45,000 $2,395,000 $89,000 $1,149,000
Refinancing 720 $180,020,000 $250,000 $18,755,000 $110,000 $2,910,000
Other Purpose 434 $26,980,000 $62,000 $655,000 $102,000 $735,000
Cash-out Refinancing 235 $39,155,000 $166,000 $885,000 $100,000 $1,066,000
Not Applicable 32 $2,500,000 $78,000 $155,000 $75,000 $323,000

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 5,186 $520,830,000 $100,000 $4,725,000 $87,000 $7,203,000
Not Provided 485 $52,295,000 $107,000 $1,235,000 $113,000 $1,941,000
Hispanic 358 $30,770,000 $85,000 $505,000 $68,000 $759,000
Black or African American 323 $24,065,000 $74,000 $2,255,000 $59,000 $407,000
Not applicable 124 $218,560,000 $1,762,000 $18,755,000 $0 $0
Asian 74 $10,460,000 $141,000 $1,095,000 $100,000 $1,066,000
American Indian or Alaskan Native 28 $2,100,000 $75,000 $555,000 $64,000 $164,000
Native Hawaiian or Other Pacific Islander 5 $235,000 $47,000 $55,000 $50,000 $85,000

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) 6,230 $807,630,000 $129,000 $18,755,000 $88,000 $7,203,000
FHA-insured (Federal Housing Administration) 329 $46,185,000 $140,000 $375,000 $56,000 $178,000
VA-guaranteed (Veterans Administration) 36 $7,540,000 $209,000 $435,000 $75,000 $168,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 19 $2,385,000 $125,000 $195,000 $47,000 $89,000

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 4,261 $659,445,000 $154,000 $18,755,000 $93,000 $7,203,000
Application Approved But Not Accepted 1,208 $91,700,000 $75,000 $8,545,000 $66,000 $960,000
Application Denied By Financial Institution 717 $50,485,000 $70,000 $2,375,000 $68,000 $883,000
Application Withdrawn By Applicant 321 $48,245,000 $150,000 $2,205,000 $118,000 $3,109,000
File Closed For Incompleteness 62 $10,210,000 $164,000 $755,000 $102,000 $400,000
Loan Purchased By The Institution 45 $3,655,000 $81,000 $155,000 $72,000 $323,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 5,897 $813,255,000 $137,000 $18,755,000 $89,000 $7,203,000
Credit History 391 $16,855,000 $43,000 $405,000 $68,000 $420,000
Debt-To-Income Ratio 174 $15,590,000 $89,000 $525,000 $50,000 $325,000
Collateral 114 $13,740,000 $120,000 $2,375,000 $97,000 $883,000
Other 15 $2,275,000 $151,000 $495,000 $66,000 $212,000
Unverifiable Information 10 $1,180,000 $118,000 $255,000 $66,000 $120,000
Employment History 5 $355,000 $71,000 $205,000 $34,000 $41,000
Insufficient Cash (Downpayment, Closing Cost) 5 $315,000 $63,000 $115,000 $59,000 $101,000
Credit Application Incomplete 3 $175,000 $58,000 $75,000 $93,000 $175,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Centier Bank's 2018 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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