Centier Bank Mortgage Lending & HMDA Data, 2020

In 2020, Centier Bank of Merrillville, IN reported 8,127 mortgage applications totaling $1.2 billion, up 22% from 2019. The average application was for $148,804, and applicants reported an average income of $94,472. 63% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Gary, IN (3,450), Indianapolis-Carmel-Anderson, IN (1,082) and Michigan City-La Porte, IN (411) (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 8,127
Total Mortgage Loan Application Amount $1,209,335,000
Average Mortgage Loan Application Amount $148,804
Highest Mortgage Loan Application Amount $16,375,000
Average Applicant Income $94,472
Highest Applicant Income $5,065,000

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Act (HMDA) records Centier Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2020

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Lake, Indiana 2,049 $ 298,585,000 $ 145,722 $ 97,000
Porter, Indiana 1,312 $ 254,660,000 $ 194,100 $ 103,000
Marion, Indiana 527 $ 73,595,000 $ 139,648 $ 90,000
LaPorte, Indiana 411 $ 46,405,000 $ 112,907 $ 69,000
Tippecanoe, Indiana 350 $ 75,460,000 $ 215,600 $ 124,000
Hamilton, Indiana 229 $ 59,795,000 $ 261,113 $ 164,000
Elkhart, Indiana 172 $ 27,090,000 $ 157,500 $ 74,000
St. Joseph, Indiana 166 $ 19,560,000 $ 117,831 $ 74,000
Boone, Indiana 119 $ 35,625,000 $ 299,369 $ 223,000
Allen, Indiana 101 $ 16,315,000 $ 161,534 $ 92,000
Hendricks, Indiana 79 $ 17,615,000 $ 222,974 $ 127,000
White, Indiana 78 $ 13,180,000 $ 168,974 $ 106,000
Kent, Michigan 66 $ 4,040,000 $ 61,212 $ 60,000
Jasper, Indiana 62 $ 9,120,000 $ 147,096 $ 76,000
Johnson, Indiana 49 $ 8,035,000 $ 163,979 $ 91,000
Macomb, Michigan 44 $ 1,860,000 $ 42,272 $ 61,000
Cook, Illinois 41 $ 8,215,000 $ 200,365 $ 94,000
Marshall, Indiana 40 $ 12,050,000 $ 301,250 $ 95,000
Madison, Indiana 37 $ 6,245,000 $ 168,783 $ 111,000
Ottawa, Michigan 36 $ 1,940,000 $ 53,888 $ 55,000
Anoka, Minnesota 36 $ 1,910,000 $ 53,055 $ 55,000
Washtenaw, Michigan 33 $ 2,745,000 $ 83,181 $ 65,000
Carroll, Indiana 32 $ 6,160,000 $ 192,500 $ 103,000
Oakland, Michigan 31 $ 1,675,000 $ 54,032 $ 54,000
Livingston, Michigan 30 $ 1,660,000 $ 55,333 $ 61,000
Newton, Indiana 27 $ 3,625,000 $ 134,259 $ 94,000
Hancock, Indiana 26 $ 5,270,000 $ 202,692 $ 144,000
Kosciusko, Indiana 26 $ 5,350,000 $ 205,769 $ 114,000
Berrien, Michigan 23 $ 3,455,000 $ 150,217 $ 107,000
Wayne, Michigan 23 $ 1,115,000 $ 48,478 $ 58,000
Chester, Pennsylvania 23 $ 1,325,000 $ 57,608 $ 77,000
Lancaster, Pennsylvania 23 $ 1,045,000 $ 45,434 $ 55,000
Weld, Colorado 22 $ 1,370,000 $ 62,272 $ 80,000
Anne Arundel, Maryland 22 $ 1,450,000 $ 65,909 $ 74,000
Berks, Pennsylvania 21 $ 975,000 $ 46,428 $ 60,000
Starke, Indiana 20 $ 1,990,000 $ 99,500 $ 71,000
Clinton, Indiana 18 $ 9,660,000 $ 536,666 $ 67,000
Monroe, Michigan 18 $ 780,000 $ 43,333 $ 62,000
York, Pennsylvania 18 $ 850,000 $ 47,222 $ 49,000
Adams, Colorado 17 $ 915,000 $ 53,823 $ 58,000
Will, Illinois 17 $ 2,945,000 $ 173,235 $ 204,000
Wright, Minnesota 17 $ 925,000 $ 54,411 $ 75,000
DeKalb, Indiana 16 $ 2,320,000 $ 145,000 $ 79,000
Adams, Pennsylvania 16 $ 860,000 $ 53,750 $ 58,000
Bucks, Pennsylvania 16 $ 830,000 $ 51,875 $ 73,000
Mesa, Colorado 15 $ 1,365,000 $ 91,000 $ 72,000
Ada, Idaho 15 $ 1,155,000 $ 77,000 $ 73,000
Atlantic, New Jersey 15 $ 1,035,000 $ 69,000 $ 62,000
Burlington, New Jersey 15 $ 1,165,000 $ 77,666 $ 72,000
Larimer, Colorado 14 $ 880,000 $ 62,857 $ 60,000
Kootenai, Idaho 14 $ 1,140,000 $ 81,428 $ 70,000
Middlesex, New Jersey 13 $ 925,000 $ 71,153 $ 64,000
Wood, Ohio 13 $ 515,000 $ 39,615 $ 64,000
Montgomery, Indiana 12 $ 2,170,000 $ 180,833 $ 58,000
Douglas, Nebraska 12 $ 530,000 $ 44,166 $ 46,000
Ocean, New Jersey 12 $ 900,000 $ 75,000 $ 93,000
Franklin, Ohio 12 $ 680,000 $ 56,666 $ 94,000
Eaton, Michigan 11 $ 495,000 $ 45,000 $ 62,000
Saratoga, New York 11 $ 665,000 $ 60,454 $ 69,000
Dauphin, Pennsylvania 11 $ 535,000 $ 48,636 $ 62,000
Montgomery, Pennsylvania 11 $ 545,000 $ 49,545 $ 79,000
Monongalia, West Virginia 11 $ 615,000 $ 55,909 $ 60,000
El Paso, Colorado 10 $ 700,000 $ 70,000 $ 67,000
Howard, Indiana 10 $ 1,130,000 $ 113,000 $ 119,000
Genesee, Michigan 10 $ 470,000 $ 47,000 $ 57,000
Lenawee, Michigan 10 $ 500,000 $ 50,000 $ 62,000
Dakota, Minnesota 10 $ 650,000 $ 65,000 $ 82,000
Niagara, New York 10 $ 660,000 $ 66,000 $ 58,000
Stark, Ohio 10 $ 520,000 $ 52,000 $ 59,000
Lehigh, Pennsylvania 10 $ 410,000 $ 41,000 $ 57,000
Morgan, Indiana 9 $ 2,665,000 $ 296,111 $ 141,000
Ionia, Michigan 9 $ 465,000 $ 51,666 $ 50,000
Augusta, Virginia 9 $ 405,000 $ 45,000 $ 44,000
Sussex, Delaware 8 $ 700,000 $ 87,500 $ 107,000
Allegan, Michigan 8 $ 680,000 $ 85,000 $ 57,000
Kalamazoo, Michigan 8 $ 450,000 $ 56,250 $ 48,000
St. Charles, Missouri 8 $ 290,000 $ 36,250 $ 56,000
Flathead, Montana 8 $ 760,000 $ 95,000 $ 58,000
Lebanon, Pennsylvania 8 $ 380,000 $ 47,500 $ 38,000
Kent, Delaware 7 $ 415,000 $ 59,285 $ 58,000
New Castle, Delaware 7 $ 185,000 $ 26,428 $ 48,000
Kankakee, Illinois 7 $ 635,000 $ 90,714 $ 129,000
Steuben, Indiana 7 $ 5,355,000 $ 765,000 $ 725,000
Laurel, Kentucky 7 $ 535,000 $ 76,428 $ 60,000
Howard, Maryland 7 $ 505,000 $ 72,142 $ 70,000
Cass, Michigan 7 $ 2,185,000 $ 312,142 $ 125,000
Grand Traverse, Michigan 7 $ 515,000 $ 73,571 $ 52,000
Ramsey, Minnesota 7 $ 365,000 $ 52,142 $ 68,000
Cape Girardeau, Missouri 7 $ 435,000 $ 62,142 $ 54,000
Cape May, New Jersey 7 $ 695,000 $ 99,285 $ 91,000
Cumberland, New Jersey 7 $ 435,000 $ 62,142 $ 68,000
Montgomery, Ohio 7 $ 285,000 $ 40,714 $ 70,000
Cumberland, Pennsylvania 7 $ 405,000 $ 57,857 $ 61,000
Eau Claire, Wisconsin 7 $ 285,000 $ 40,714 $ 42,000
Garfield, Colorado 6 $ 640,000 $ 106,666 $ 85,000
Benton, Indiana 6 $ 450,000 $ 75,000 $ 89,000
Fountain, Indiana 6 $ 1,430,000 $ 238,333 $ 73,000
Monroe, Indiana 6 $ 1,660,000 $ 276,666 $ 120,000
Pulaski, Indiana 6 $ 460,000 $ 76,666 $ 65,000
Johnson, Iowa 6 $ 410,000 $ 68,333 $ 52,000
Polk, Iowa 6 $ 240,000 $ 40,000 $ 72,000
Butler, Kansas 6 $ 260,000 $ 43,333 $ 58,000
Jackson, Michigan 6 $ 240,000 $ 40,000 $ 59,000
Muskegon, Michigan 6 $ 260,000 $ 43,333 $ 53,000
St. Clair, Michigan 6 $ 470,000 $ 78,333 $ 68,000
Monmouth, New Jersey 6 $ 350,000 $ 58,333 $ 80,000
Franklin, Pennsylvania 6 $ 290,000 $ 48,333 $ 44,000
Northampton, Pennsylvania 6 $ 260,000 $ 43,333 $ 73,000
Sauk, Wisconsin 6 $ 300,000 $ 50,000 $ 48,000
Jefferson, Colorado 5 $ 265,000 $ 53,000 $ 64,000
Pueblo, Colorado 5 $ 275,000 $ 55,000 $ 81,000
Collier, Florida 5 $ 5,645,000 $ 1,129,000 $ 608,000
Canyon, Idaho 5 $ 465,000 $ 93,000 $ 91,000
DuPage, Illinois 5 $ 1,795,000 $ 359,000 $ 387,000
Delaware, Indiana 5 $ 1,205,000 $ 241,000 $ 66,000
Noble, Indiana 5 $ 795,000 $ 159,000 $ 77,000
Shelby, Indiana 5 $ 1,245,000 $ 249,000 $ 94,000
Pottawattamie, Iowa 5 $ 175,000 $ 35,000 $ 41,000
Riley, Kansas 5 $ 215,000 $ 43,000 $ 46,000
Sedgwick, Kansas 5 $ 355,000 $ 71,000 $ 61,000
Washington, Maryland 5 $ 225,000 $ 45,000 $ 56,000
Ingham, Michigan 5 $ 275,000 $ 55,000 $ 65,000
St. Louis, Minnesota 5 $ 415,000 $ 83,000 $ 78,000
Scott, Missouri 5 $ 275,000 $ 55,000 $ 44,000
Gloucester, New Jersey 5 $ 295,000 $ 59,000 $ 87,000
Oneida, New York 5 $ 305,000 $ 61,000 $ 58,000
Clark, Ohio 5 $ 175,000 $ 35,000 $ 74,000
Columbiana, Ohio 5 $ 235,000 $ 47,000 $ 51,000
Delaware, Ohio 5 $ 345,000 $ 69,000 $ 57,000
Licking, Ohio 5 $ 385,000 $ 77,000 $ 101,000
Lucas, Ohio 5 $ 175,000 $ 35,000 $ 87,000
Berkeley, West Virginia 5 $ 265,000 $ 53,000 $ 51,000
Outagamie, Wisconsin 5 $ 195,000 $ 39,000 $ 35,000
Boulder, Colorado 4 $ 200,000 $ 50,000 $ 53,000
Broward, Florida 4 $ 840,000 $ 210,000 $ 152,000
Kane, Illinois 4 $ 13,470,000 $ 3,367,500 $ 125,000
McLean, Illinois 4 $ 250,000 $ 62,500 $ 69,000
Bartholomew, Indiana 4 $ 470,000 $ 117,500 $ 270,000
Cass, Indiana 4 $ 460,000 $ 115,000 $ 44,000
Vigo, Indiana 4 $ 350,000 $ 87,500 $ 79,000
Whitley, Indiana 4 $ 590,000 $ 147,500 $ 87,000
Linn, Iowa 4 $ 260,000 $ 65,000 $ 69,000
Bullitt, Kentucky 4 $ 250,000 $ 62,500 $ 134,000
Pike, Kentucky 4 $ 210,000 $ 52,500 $ 65,000
Calhoun, Michigan 4 $ 190,000 $ 47,500 $ 52,000
Washington, Minnesota 4 $ 210,000 $ 52,500 $ 52,000
Andrew, Missouri 4 $ 300,000 $ 75,000 $ 38,000
Cass, Missouri 4 $ 190,000 $ 47,500 $ 77,000
Clay, Missouri 4 $ 240,000 $ 60,000 $ 41,000
Greene, Missouri 4 $ 300,000 $ 75,000 $ 65,000
Laclede, Missouri 4 $ 250,000 $ 62,500 $ 118,000
Lancaster, Nebraska 4 $ 200,000 $ 50,000 $ 65,000
Erie, New York 4 $ 250,000 $ 62,500 $ 57,000
Suffolk, New York 4 $ 430,000 $ 107,500 $ 69,000
Sullivan, New York 4 $ 300,000 $ 75,000 $ 63,000
Fulton, Ohio 4 $ 120,000 $ 30,000 $ 44,000
Muskingum, Ohio 4 $ 280,000 $ 70,000 $ 77,000
Northumberland, Pennsylvania 4 $ 200,000 $ 50,000 $ 40,000
Somerset, Pennsylvania 4 $ 180,000 $ 45,000 $ 61,000
Pennington, South Dakota 4 $ 310,000 $ 77,500 $ 61,000
Liberty, Texas 4 $ 340,000 $ 85,000 $ 74,000
Williamson, Texas 4 $ 270,000 $ 67,500 $ 0
Frederick, Virginia 4 $ 210,000 $ 52,500 $ 69,000
Kenosha, Wisconsin 4 $ 170,000 $ 42,500 $ 120,000
Union, Arkansas 3 $ 1,365,000 $ 455,000 $ 28,000
Montrose, Colorado 3 $ 135,000 $ 45,000 $ 62,000
Manatee, Florida 3 $ 1,705,000 $ 568,333 $ 397,000
Pinellas, Florida 3 $ 1,915,000 $ 638,333 $ 428,000
Champaign, Illinois 3 $ 95,000 $ 31,666 $ 55,000
Adams, Indiana 3 $ 545,000 $ 181,666 $ 43,000
Vanderburgh, Indiana 3 $ 125,000 $ 41,666 $ 60,000
Wabash, Indiana 3 $ 325,000 $ 108,333 $ 57,000
Warren, Indiana 3 $ 675,000 $ 225,000 $ 103,000
Dubuque, Iowa 3 $ 125,000 $ 41,666 $ 47,000
Pottawatomie, Kansas 3 $ 145,000 $ 48,333 $ 54,000
Muhlenberg, Kentucky 3 $ 205,000 $ 68,333 $ 84,000
Pulaski, Kentucky 3 $ 275,000 $ 91,666 $ 50,000
Rapides, Louisiana 3 $ 185,000 $ 61,666 $ 0
Baltimore, Maryland 3 $ 165,000 $ 55,000 $ 60,000
Cecil, Maryland 3 $ 345,000 $ 115,000 $ 81,000
St. Mary's, Maryland 3 $ 135,000 $ 45,000 $ 73,000
Clinton, Michigan 3 $ 155,000 $ 51,666 $ 46,000
Van Buren, Michigan 3 $ 465,000 $ 155,000 $ 104,000
Hennepin, Minnesota 3 $ 215,000 $ 71,666 $ 59,000
Pennington, Minnesota 3 $ 135,000 $ 45,000 $ 72,000
Dallas, Missouri 3 $ 245,000 $ 81,666 $ 71,000
Hickory, Missouri 3 $ 125,000 $ 41,666 $ 101,000
Sarpy, Nebraska 3 $ 115,000 $ 38,333 $ 48,000
Stanton, Nebraska 3 $ 75,000 $ 25,000 $ 50,000
Camden, New Jersey 3 $ 225,000 $ 75,000 $ 46,000
Dutchess, New York 3 $ 295,000 $ 98,333 $ 73,000
Greene, New York 3 $ 205,000 $ 68,333 $ 104,000
Livingston, New York 3 $ 205,000 $ 68,333 $ 47,000
Ontario, New York 3 $ 115,000 $ 38,333 $ 40,000
Orange, New York 3 $ 345,000 $ 115,000 $ 79,000
Belmont, Ohio 3 $ 265,000 $ 88,333 $ 51,000
Clermont, Ohio 3 $ 75,000 $ 25,000 $ 54,000
Geauga, Ohio 3 $ 165,000 $ 55,000 $ 66,000
Wayne, Ohio 3 $ 115,000 $ 38,333 $ 53,000
Allegheny, Pennsylvania 3 $ 175,000 $ 58,333 $ 43,000
Crawford, Pennsylvania 3 $ 205,000 $ 68,333 $ 86,000
Butte, South Dakota 3 $ 245,000 $ 81,666 $ 70,000
Minnehaha, South Dakota 3 $ 215,000 $ 71,666 $ 64,000
Atascosa, Texas 3 $ 355,000 $ 118,333 $ 0
Travis, Texas 3 $ 365,000 $ 121,666 $ 0
Dickenson, Virginia 3 $ 175,000 $ 58,333 $ 50,000
Newport News, Virginia 3 $ 125,000 $ 41,666 $ 25,000
Preston, West Virginia 3 $ 275,000 $ 91,666 $ 63,000
Dunn, Wisconsin 3 $ 165,000 $ 55,000 $ 70,000
Winnebago, Wisconsin 3 $ 75,000 $ 25,000 $ 73,000
Natrona, Wyoming 3 $ 105,000 $ 35,000 $ 66,000
Broomfield, Colorado 2 $ 120,000 $ 60,000 $ 62,000
Eagle, Colorado 2 $ 230,000 $ 115,000 $ 85,000
Grand, Colorado 2 $ 380,000 $ 190,000 $ 158,000
La Plata, Colorado 2 $ 270,000 $ 135,000 $ 81,000
Lee, Florida 2 $ 1,000,000 $ 500,000 $ 406,000
Adams, Illinois 2 $ 130,000 $ 65,000 $ 113,000
Effingham, Illinois 2 $ 110,000 $ 55,000 $ 51,000
Grundy, Illinois 2 $ 60,000 $ 30,000 $ 39,000
Lake, Illinois 2 $ 280,000 $ 140,000 $ 123,000
Macon, Illinois 2 $ 40,000 $ 20,000 $ 41,000
Rock Island, Illinois 2 $ 110,000 $ 55,000 $ 61,000
St. Clair, Illinois 2 $ 140,000 $ 70,000 $ 38,000
Clark, Indiana 2 $ 250,000 $ 125,000 $ 51,000
Clay, Indiana 2 $ 380,000 $ 190,000 $ 79,000
Fulton, Indiana 2 $ 100,000 $ 50,000 $ 38,000
Henry, Indiana 2 $ 1,160,000 $ 580,000 $ 101,000
Huntington, Indiana 2 $ 280,000 $ 140,000 $ 70,000
Jefferson, Indiana 2 $ 290,000 $ 145,000 $ 116,000
Miami, Indiana 2 $ 80,000 $ 40,000 $ 47,000
Putnam, Indiana 2 $ 400,000 $ 200,000 $ 67,000
Tipton, Indiana 2 $ 710,000 $ 355,000 $ 115,000
Allamakee, Iowa 2 $ 180,000 $ 90,000 $ 62,000
Dallas, Iowa 2 $ 90,000 $ 45,000 $ 61,000
Dickinson, Iowa 2 $ 220,000 $ 110,000 $ 176,000
Mahaska, Iowa 2 $ 170,000 $ 85,000 $ 80,000
Mills, Iowa 2 $ 130,000 $ 65,000 $ 57,000
Muscatine, Iowa 2 $ 80,000 $ 40,000 $ 37,000
Franklin, Kansas 2 $ 120,000 $ 60,000 $ 97,000
Wilson, Kansas 2 $ 820,000 $ 410,000 $ 67,000
Breathitt, Kentucky 2 $ 190,000 $ 95,000 $ 126,000
Breckinridge, Kentucky 2 $ 330,000 $ 165,000 $ 133,000
Carter, Kentucky 2 $ 150,000 $ 75,000 $ 55,000
Daviess, Kentucky 2 $ 70,000 $ 35,000 $ 43,000
Floyd, Kentucky 2 $ 120,000 $ 60,000 $ 71,000
Hardin, Kentucky 2 $ 140,000 $ 70,000 $ 40,000
Ohio, Kentucky 2 $ 90,000 $ 45,000 $ 35,000
Rockcastle, Kentucky 2 $ 210,000 $ 105,000 $ 66,000
Acadia, Louisiana 2 $ 150,000 $ 75,000 $ 0
Livingston, Louisiana 2 $ 200,000 $ 100,000 $ 44,000
Cumberland, Maine 2 $ 110,000 $ 55,000 $ 67,000
Clare, Michigan 2 $ 90,000 $ 45,000 $ 55,000
Lake, Michigan 2 $ 150,000 $ 75,000 $ 136,000
Lapeer, Michigan 2 $ 60,000 $ 30,000 $ 42,000
Mason, Michigan 2 $ 180,000 $ 90,000 $ 129,000
Newaygo, Michigan 2 $ 80,000 $ 40,000 $ 60,000
Oceana, Michigan 2 $ 100,000 $ 50,000 $ 56,000
Shiawassee, Michigan 2 $ 110,000 $ 55,000 $ 41,000
Beltrami, Minnesota 2 $ 170,000 $ 85,000 $ 109,000
Benton, Minnesota 2 $ 90,000 $ 45,000 $ 64,000
Carver, Minnesota 2 $ 110,000 $ 55,000 $ 69,000
Chisago, Minnesota 2 $ 170,000 $ 85,000 $ 67,000
Goodhue, Minnesota 2 $ 130,000 $ 65,000 $ 76,000
Kanabec, Minnesota 2 $ 160,000 $ 80,000 $ 69,000
McLeod, Minnesota 2 $ 200,000 $ 100,000 $ 71,000
Nicollet, Minnesota 2 $ 110,000 $ 55,000 $ 67,000
Oktibbeha, Mississippi 2 $ 210,000 $ 105,000 $ 0
Winston, Mississippi 2 $ 170,000 $ 85,000 $ 0
Bates, Missouri 2 $ 170,000 $ 85,000 $ 64,000
Caldwell, Missouri 2 $ 170,000 $ 85,000 $ 131,000
Callaway, Missouri 2 $ 130,000 $ 65,000 $ 46,000
Camden, Missouri 2 $ 90,000 $ 45,000 $ 42,000
Howell, Missouri 2 $ 120,000 $ 60,000 $ 62,000
Jackson, Missouri 2 $ 130,000 $ 65,000 $ 66,000
Johnson, Missouri 2 $ 210,000 $ 105,000 $ 109,000
Lewis, Missouri 2 $ 100,000 $ 50,000 $ 103,000
Lincoln, Missouri 2 $ 90,000 $ 45,000 $ 54,000
Madison, Missouri 2 $ 250,000 $ 125,000 $ 73,000
Perry, Missouri 2 $ 140,000 $ 70,000 $ 56,000
Phelps, Missouri 2 $ 120,000 $ 60,000 $ 56,000
Warren, Missouri 2 $ 100,000 $ 50,000 $ 34,000
Wayne, Missouri 2 $ 160,000 $ 80,000 $ 39,000
Webster, Missouri 2 $ 110,000 $ 55,000 $ 105,000
Gallatin, Montana 2 $ 140,000 $ 70,000 $ 87,000
Yellowstone, Montana 2 $ 180,000 $ 90,000 $ 84,000
Keith, Nebraska 2 $ 240,000 $ 120,000 $ 208,000
Washington, Nebraska 2 $ 70,000 $ 35,000 $ 101,000
Wayne, New York 2 $ 130,000 $ 65,000 $ 57,000
Wyoming, New York 2 $ 30,000 $ 15,000 $ 27,000
Wayne, North Carolina 2 $ 110,000 $ 55,000 $ 38,000
Burleigh, North Dakota 2 $ 170,000 $ 85,000 $ 75,000
Auglaize, Ohio 2 $ 120,000 $ 60,000 $ 53,000
Carroll, Ohio 2 $ 160,000 $ 80,000 $ 55,000
Hancock, Ohio 2 $ 60,000 $ 30,000 $ 42,000
Highland, Ohio 2 $ 140,000 $ 70,000 $ 84,000
Meigs, Ohio 2 $ 110,000 $ 55,000 $ 35,000
Pickaway, Ohio 2 $ 60,000 $ 30,000 $ 41,000
Portage, Ohio 2 $ 120,000 $ 60,000 $ 107,000
Ross, Ohio 2 $ 120,000 $ 60,000 $ 41,000
Washington, Ohio 2 $ 130,000 $ 65,000 $ 43,000
Muskogee, Oklahoma 2 $ 130,000 $ 65,000 $ 115,000
Armstrong, Pennsylvania 2 $ 110,000 $ 55,000 $ 67,000
Carbon, Pennsylvania 2 $ 150,000 $ 75,000 $ 59,000
Fayette, Pennsylvania 2 $ 190,000 $ 95,000 $ 64,000
Schuylkill, Pennsylvania 2 $ 60,000 $ 30,000 $ 46,000
Washington, Pennsylvania 2 $ 70,000 $ 35,000 $ 50,000
Westmoreland, Pennsylvania 2 $ 140,000 $ 70,000 $ 73,000
Hughes, South Dakota 2 $ 110,000 $ 55,000 $ 52,000
Bastrop, Texas 2 $ 230,000 $ 115,000 $ 31,000
Bell, Texas 2 $ 290,000 $ 145,000 $ 0
Denton, Texas 2 $ 70,000 $ 35,000 $ 0
Henderson, Texas 2 $ 180,000 $ 90,000 $ 0
Hill, Texas 2 $ 130,000 $ 65,000 $ 0
Hunt, Texas 2 $ 300,000 $ 150,000 $ 0
Montgomery, Texas 2 $ 190,000 $ 95,000 $ 75,000
Van Zandt, Texas 2 $ 140,000 $ 70,000 $ 0
Victoria, Texas 2 $ 170,000 $ 85,000 $ 0
Wilson, Texas 2 $ 160,000 $ 80,000 $ 0
Lee, Virginia 2 $ 140,000 $ 70,000 $ 36,000
Prince George, Virginia 2 $ 150,000 $ 75,000 $ 52,000
Virginia Beach, Virginia 2 $ 70,000 $ 35,000 $ 94,000
Doddridge, West Virginia 2 $ 200,000 $ 100,000 $ 77,000
Jefferson, West Virginia 2 $ 130,000 $ 65,000 $ 94,000
Mason, West Virginia 2 $ 160,000 $ 80,000 $ 92,000
Nicholas, West Virginia 2 $ 100,000 $ 50,000 $ 43,000
Summers, West Virginia 2 $ 100,000 $ 50,000 $ 92,000
Wayne, West Virginia 2 $ 260,000 $ 130,000 $ 57,000
Wood, West Virginia 2 $ 130,000 $ 65,000 $ 39,000
Adams, Wisconsin 2 $ 120,000 $ 60,000 $ 119,000
Dodge, Wisconsin 2 $ 90,000 $ 45,000 $ 46,000
Pierce, Wisconsin 2 $ 90,000 $ 45,000 $ 42,000
Racine, Wisconsin 2 $ 120,000 $ 60,000 $ 53,000
Sawyer, Wisconsin 2 $ 100,000 $ 50,000 $ 69,000
Sheboygan, Wisconsin 2 $ 90,000 $ 45,000 $ 45,000
Vernon, Wisconsin 2 $ 120,000 $ 60,000 $ 49,000
Goshen, Wyoming 2 $ 170,000 $ 85,000 $ 54,000
Blount, Alabama 1 $ 115,000 $ 115,000 $ 0
Marion, Alabama 1 $ 135,000 $ 135,000 $ 0
Walker, Alabama 1 $ 125,000 $ 125,000 $ 0
Pinal, Arizona 1 $ 145,000 $ 145,000 $ 0
Yavapai, Arizona 1 $ 85,000 $ 85,000 $ 0
Ashley, Arkansas 1 $ 85,000 $ 85,000 $ 0
Cleburne, Arkansas 1 $ 45,000 $ 45,000 $ 0
Independence, Arkansas 1 $ 35,000 $ 35,000 $ 0
Mississippi, Arkansas 1 $ 65,000 $ 65,000 $ 0
Nevada, Arkansas 1 $ 55,000 $ 55,000 $ 0
Arapahoe, Colorado 1 $ 35,000 $ 35,000 $ 47,000
Custer, Colorado 1 $ 125,000 $ 125,000 $ 119,000
Delta, Colorado 1 $ 145,000 $ 145,000 $ 47,000
Douglas, Colorado 1 $ 85,000 $ 85,000 $ 93,000
Elbert, Colorado 1 $ 45,000 $ 45,000 $ 110,000
Fremont, Colorado 1 $ 55,000 $ 55,000 $ 123,000
Huerfano, Colorado 1 $ 45,000 $ 45,000 $ 147,000
Jackson, Colorado 1 $ 135,000 $ 135,000 $ 96,000
Kit Carson, Colorado 1 $ 85,000 $ 85,000 $ 76,000
Logan, Colorado 1 $ 85,000 $ 85,000 $ 72,000
Prowers, Colorado 1 $ 155,000 $ 155,000 $ 91,000
Routt, Colorado 1 $ 135,000 $ 135,000 $ 70,000
New London, Connecticut 1 $ 65,000 $ 65,000 $ 101,000
Escambia, Florida 1 $ 1,015,000 $ 1,015,000 $ 228,000
Madison, Florida 1 $ 35,000 $ 35,000 $ 44,000
Putnam, Florida 1 $ 335,000 $ 335,000 $ 100,000
St. Johns, Florida 1 $ 995,000 $ 995,000 $ 300,000
Bryan, Georgia 1 $ 75,000 $ 75,000 $ 0
Bulloch, Georgia 1 $ 125,000 $ 125,000 $ 0
McDuffie, Georgia 1 $ 145,000 $ 145,000 $ 0
McIntosh, Georgia 1 $ 125,000 $ 125,000 $ 0
Bingham, Idaho 1 $ 65,000 $ 65,000 $ 96,000
Bonneville, Idaho 1 $ 65,000 $ 65,000 $ 39,000
Fremont, Idaho 1 $ 55,000 $ 55,000 $ 403,000
Gem, Idaho 1 $ 35,000 $ 35,000 $ 47,000
Owyhee, Idaho 1 $ 85,000 $ 85,000 $ 100,000
Power, Idaho 1 $ 95,000 $ 95,000 $ 107,000
Clay, Illinois 1 $ 55,000 $ 55,000 $ 63,000
DeKalb, Illinois 1 $ 25,000 $ 25,000 $ 44,000
LaSalle, Illinois 1 $ 25,000 $ 25,000 $ 42,000
Lawrence, Illinois 1 $ 135,000 $ 135,000 $ 72,000
Lee, Illinois 1 $ 65,000 $ 65,000 $ 81,000
Macoupin, Illinois 1 $ 95,000 $ 95,000 $ 60,000
Madison, Illinois 1 $ 115,000 $ 115,000 $ 87,000
Moultrie, Illinois 1 $ 145,000 $ 145,000 $ 72,000
Sangamon, Illinois 1 $ 55,000 $ 55,000 $ 76,000
Scott, Illinois 1 $ 55,000 $ 55,000 $ 30,000
Crawford, Indiana 1 $ 215,000 $ 215,000 $ 116,000
Greene, Indiana 1 $ 85,000 $ 85,000 $ 29,000
Jennings, Indiana 1 $ 75,000 $ 75,000 $ 67,000
LaGrange, Indiana 1 $ 125,000 $ 125,000 $ 69,000
Lawrence, Indiana 1 $ 285,000 $ 285,000 $ 120,000
Randolph, Indiana 1 $ 155,000 $ 155,000 $ 115,000
Sullivan, Indiana 1 $ 55,000 $ 55,000 $ 34,000
Wayne, Indiana 1 $ 35,000 $ 35,000 $ 46,000
Cerro Gordo, Iowa 1 $ 95,000 $ 95,000 $ 118,000
Henry, Iowa 1 $ 65,000 $ 65,000 $ 45,000
Jackson, Iowa 1 $ 95,000 $ 95,000 $ 65,000
Lucas, Iowa 1 $ 75,000 $ 75,000 $ 88,000
Madison, Iowa 1 $ 35,000 $ 35,000 $ 88,000
Story, Iowa 1 $ 45,000 $ 45,000 $ 100,000
Tama, Iowa 1 $ 55,000 $ 55,000 $ 70,000
Wapello, Iowa 1 $ 65,000 $ 65,000 $ 62,000
Winneshiek, Iowa 1 $ 25,000 $ 25,000 $ 57,000
Woodbury, Iowa 1 $ 35,000 $ 35,000 $ 38,000
Anderson, Kansas 1 $ 95,000 $ 95,000 $ 130,000
Atchison, Kansas 1 $ 55,000 $ 55,000 $ 54,000
Barber, Kansas 1 $ 125,000 $ 125,000 $ 120,000
Bourbon, Kansas 1 $ 145,000 $ 145,000 $ 77,000
Cowley, Kansas 1 $ 125,000 $ 125,000 $ 51,000
Crawford, Kansas 1 $ 45,000 $ 45,000 $ 44,000
Dickinson, Kansas 1 $ 75,000 $ 75,000 $ 32,000
Ellsworth, Kansas 1 $ 95,000 $ 95,000 $ 154,000
Geary, Kansas 1 $ 35,000 $ 35,000 $ 79,000
Harvey, Kansas 1 $ 55,000 $ 55,000 $ 68,000
Labette, Kansas 1 $ 115,000 $ 115,000 $ 184,000
Leavenworth, Kansas 1 $ 95,000 $ 95,000 $ 55,000
Miami, Kansas 1 $ 25,000 $ 25,000 $ 42,000
Nemaha, Kansas 1 $ 35,000 $ 35,000 $ 48,000
Reno, Kansas 1 $ 35,000 $ 35,000 $ 72,000
Shawnee, Kansas 1 $ 4,005,000 $ 4,005,000 $ 0
Stanton, Kansas 1 $ 135,000 $ 135,000 $ 142,000
Sumner, Kansas 1 $ 115,000 $ 115,000 $ 72,000
Casey, Kentucky 1 $ 115,000 $ 115,000 $ 72,000
Christian, Kentucky 1 $ 75,000 $ 75,000 $ 44,000
Clinton, Kentucky 1 $ 55,000 $ 55,000 $ 157,000
Edmonson, Kentucky 1 $ 105,000 $ 105,000 $ 138,000
Fleming, Kentucky 1 $ 125,000 $ 125,000 $ 67,000
Franklin, Kentucky 1 $ 125,000 $ 125,000 $ 75,000
Garrard, Kentucky 1 $ 65,000 $ 65,000 $ 14,000
Graves, Kentucky 1 $ 155,000 $ 155,000 $ 71,000
Grayson, Kentucky 1 $ 55,000 $ 55,000 $ 18,000
Greenup, Kentucky 1 $ 115,000 $ 115,000 $ 75,000
Hancock, Kentucky 1 $ 35,000 $ 35,000 $ 46,000
Harlan, Kentucky 1 $ 75,000 $ 75,000 $ 180,000
Harrison, Kentucky 1 $ 95,000 $ 95,000 $ 62,000
Jefferson, Kentucky 1 $ 25,000 $ 25,000 $ 36,000
Knott, Kentucky 1 $ 65,000 $ 65,000 $ 41,000
Lee, Kentucky 1 $ 125,000 $ 125,000 $ 66,000
Letcher, Kentucky 1 $ 65,000 $ 65,000 $ 27,000
Lewis, Kentucky 1 $ 75,000 $ 75,000 $ 85,000
Magoffin, Kentucky 1 $ 65,000 $ 65,000 $ 44,000
McCreary, Kentucky 1 $ 55,000 $ 55,000 $ 72,000
Morgan, Kentucky 1 $ 55,000 $ 55,000 $ 46,000
Perry, Kentucky 1 $ 35,000 $ 35,000 $ 33,000
Russell, Kentucky 1 $ 55,000 $ 55,000 $ 47,000
Shelby, Kentucky 1 $ 75,000 $ 75,000 $ 54,000
Wayne, Kentucky 1 $ 45,000 $ 45,000 $ 132,000
Whitley, Kentucky 1 $ 45,000 $ 45,000 $ 26,000
Wolfe, Kentucky 1 $ 95,000 $ 95,000 $ 37,000
Beauregard, Louisiana 1 $ 85,000 $ 85,000 $ 0
Catahoula, Louisiana 1 $ 55,000 $ 55,000 $ 0
La Salle, Louisiana 1 $ 75,000 $ 75,000 $ 0
Lafourche, Louisiana 1 $ 115,000 $ 115,000 $ 0
Ouachita, Louisiana 1 $ 75,000 $ 75,000 $ 0
St. Tammany, Louisiana 1 $ 75,000 $ 75,000 $ 83,000
Tangipahoa, Louisiana 1 $ 135,000 $ 135,000 $ 0
Waldo, Maine 1 $ 55,000 $ 55,000 $ 92,000
Carroll, Maryland 1 $ 65,000 $ 65,000 $ 62,000
Prince George's, Maryland 1 $ 75,000 $ 75,000 $ 66,000
Worcester, Maryland 1 $ 85,000 $ 85,000 $ 78,000
Arenac, Michigan 1 $ 55,000 $ 55,000 $ 28,000
Barry, Michigan 1 $ 45,000 $ 45,000 $ 61,000
Benzie, Michigan 1 $ 45,000 $ 45,000 $ 34,000
Crawford, Michigan 1 $ 55,000 $ 55,000 $ 51,000
Hillsdale, Michigan 1 $ 45,000 $ 45,000 $ 39,000
Kalkaska, Michigan 1 $ 45,000 $ 45,000 $ 65,000
Manistee, Michigan 1 $ 85,000 $ 85,000 $ 89,000
Montcalm, Michigan 1 $ 15,000 $ 15,000 $ 25,000
Osceola, Michigan 1 $ 85,000 $ 85,000 $ 63,000
Sanilac, Michigan 1 $ 45,000 $ 45,000 $ 42,000
Blue Earth, Minnesota 1 $ 65,000 $ 65,000 $ 32,000
Cass, Minnesota 1 $ 75,000 $ 75,000 $ 110,000
Crow Wing, Minnesota 1 $ 25,000 $ 25,000 $ 21,000
Freeborn, Minnesota 1 $ 25,000 $ 25,000 $ 37,000
Hubbard, Minnesota 1 $ 75,000 $ 75,000 $ 60,000
Lake of the Woods, Minnesota 1 $ 65,000 $ 65,000 $ 69,000
Lyon, Minnesota 1 $ 95,000 $ 95,000 $ 36,000
Meeker, Minnesota 1 $ 65,000 $ 65,000 $ 42,000
Mille Lacs, Minnesota 1 $ 95,000 $ 95,000 $ 101,000
Olmsted, Minnesota 1 $ 55,000 $ 55,000 $ 36,000
Pope, Minnesota 1 $ 25,000 $ 25,000 $ 108,000
Red Lake, Minnesota 1 $ 55,000 $ 55,000 $ 63,000
Scott, Minnesota 1 $ 35,000 $ 35,000 $ 63,000
Swift, Minnesota 1 $ 95,000 $ 95,000 $ 39,000
Bolivar, Mississippi 1 $ 55,000 $ 55,000 $ 0
Chickasaw, Mississippi 1 $ 45,000 $ 45,000 $ 0
Harrison, Mississippi 1 $ 35,000 $ 35,000 $ 43,000
Itawamba, Mississippi 1 $ 65,000 $ 65,000 $ 0
Kemper, Mississippi 1 $ 55,000 $ 55,000 $ 0
Lafayette, Mississippi 1 $ 115,000 $ 115,000 $ 0
Lauderdale, Mississippi 1 $ 105,000 $ 105,000 $ 0
Lawrence, Mississippi 1 $ 125,000 $ 125,000 $ 0
Lowndes, Mississippi 1 $ 65,000 $ 65,000 $ 0
Monroe, Mississippi 1 $ 65,000 $ 65,000 $ 0
Pearl River, Mississippi 1 $ 145,000 $ 145,000 $ 0
Smith, Mississippi 1 $ 55,000 $ 55,000 $ 21,000
Tippah, Mississippi 1 $ 75,000 $ 75,000 $ 0
Tishomingo, Mississippi 1 $ 95,000 $ 95,000 $ 0
Union, Mississippi 1 $ 85,000 $ 85,000 $ 0
Walthall, Mississippi 1 $ 155,000 $ 155,000 $ 0
Washington, Mississippi 1 $ 65,000 $ 65,000 $ 0
Bollinger, Missouri 1 $ 65,000 $ 65,000 $ 73,000
Boone, Missouri 1 $ 15,000 $ 15,000 $ 41,000
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Mortgage Loan Application Detail Totals for Centier Bank in 2020

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 3,819 $485,315,000 $127,000 $11,105,000 $74,000 $1,326,000
Refinancing 2,132 $487,220,000 $228,000 $16,375,000 $119,000 $5,065,000
Home Improvement 924 $50,940,000 $55,000 $625,000 $110,000 $1,559,000
Cash-out Refinancing 843 $155,895,000 $184,000 $1,505,000 $100,000 $1,264,000
Other Purpose 386 $28,400,000 $73,000 $1,005,000 $113,000 $1,402,000
Not Applicable 23 $1,565,000 $68,000 $145,000 $83,000 $121,000

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 6,216 $854,550,000 $137,000 $4,655,000 $95,000 $5,065,000
Not Provided 714 $88,410,000 $123,000 $1,955,000 $119,000 $1,559,000
Hispanic 519 $58,335,000 $112,000 $505,000 $70,000 $574,000
Black or African American 420 $37,200,000 $88,000 $915,000 $64,000 $703,000
Not applicable 111 $148,265,000 $1,335,000 $16,375,000 $0 $0
Asian 105 $18,045,000 $171,000 $1,205,000 $105,000 $612,000
American Indian or Alaskan Native 15 $1,345,000 $89,000 $275,000 $84,000 $249,000
Native Hawaiian or Other Pacific Islander 2 $150,000 $75,000 $85,000 $69,000 $90,000

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) 7,800 $1,151,200,000 $147,000 $16,375,000 $96,000 $5,065,000
FHA-insured (Federal Housing Administration) 277 $46,655,000 $168,000 $375,000 $62,000 $403,000
VA-guaranteed (Veterans Administration) 42 $10,240,000 $243,000 $655,000 $82,000 $307,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 8 $1,240,000 $155,000 $215,000 $45,000 $66,000

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 5,093 $854,165,000 $167,000 $16,375,000 $98,000 $1,559,000
Application Denied By Financial Institution 1,030 $96,540,000 $93,000 $1,065,000 $75,000 $1,388,000
Application Approved But Not Accepted 980 $68,440,000 $69,000 $1,015,000 $71,000 $937,000
Application Withdrawn By Applicant 733 $144,925,000 $197,000 $4,655,000 $122,000 $5,065,000
File Closed For Incompleteness 153 $32,965,000 $215,000 $885,000 $128,000 $1,043,000
Loan Purchased By The Institution 138 $12,300,000 $89,000 $195,000 $64,000 $154,000
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 7,097 $1,112,795,000 $156,000 $16,375,000 $97,000 $5,065,000
Credit History 547 $41,685,000 $76,000 $695,000 $74,000 $460,000
Debt-To-Income Ratio 273 $33,005,000 $120,000 $1,065,000 $53,000 $254,000
Collateral 102 $9,740,000 $95,000 $705,000 $126,000 $1,388,000
Employment History 38 $4,050,000 $106,000 $735,000 $68,000 $442,000
Other 33 $5,175,000 $156,000 $655,000 $103,000 $318,000
Unverifiable Information 25 $1,545,000 $61,000 $205,000 $75,000 $336,000
Insufficient Cash (Downpayment, Closing Cost) 8 $870,000 $108,000 $355,000 $112,000 $420,000
Credit Application Incomplete 4 $470,000 $117,000 $205,000 $70,000 $112,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Centier Bank's 2020 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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