Centier Bank Mortgage Lending & HMDA Data, 2021

In 2021, Centier Bank of Merrillville, IN reported 6,603 mortgage applications totaling $1.0 billion, down 19% from 2020. The average application was for $155,454, and applicants reported an average income of $95,667. 62% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Gary, IN (3,045), Indianapolis-Carmel-Anderson, IN (761) and Michigan City-La Porte, IN (386) (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 6,603
Total Mortgage Loan Application Amount $1,026,465,000
Average Mortgage Loan Application Amount $155,454
Highest Mortgage Loan Application Amount $28,635,000
Average Applicant Income $95,667
Highest Applicant Income $1,402,000

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Act (HMDA) records Centier Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Lake, Indiana 1,845 $ 250,305,000 $ 135,666 $ 89,000
Porter, Indiana 1,140 $ 192,670,000 $ 169,008 $ 106,000
LaPorte, Indiana 386 $ 55,940,000 $ 144,922 $ 76,000
Marion, Indiana 322 $ 51,900,000 $ 161,180 $ 101,000
Tippecanoe, Indiana 276 $ 55,400,000 $ 200,724 $ 100,000
Hamilton, Indiana 222 $ 82,810,000 $ 373,018 $ 199,000
St. Joseph, Indiana 165 $ 30,515,000 $ 184,939 $ 81,000
Elkhart, Indiana 134 $ 15,240,000 $ 113,731 $ 63,000
Boone, Indiana 77 $ 20,995,000 $ 272,662 $ 182,000
White, Indiana 64 $ 10,130,000 $ 158,281 $ 102,000
Allen, Indiana 51 $ 7,785,000 $ 152,647 $ 99,000
Marshall, Indiana 49 $ 5,935,000 $ 121,122 $ 93,000
Oakland, Michigan 46 $ 3,150,000 $ 68,478 $ 69,000
Hendricks, Indiana 44 $ 9,730,000 $ 221,136 $ 100,000
Jasper, Indiana 39 $ 6,725,000 $ 172,435 $ 98,000
Macomb, Michigan 37 $ 2,525,000 $ 68,243 $ 81,000
Wayne, Michigan 35 $ 1,725,000 $ 49,285 $ 59,000
Cook, Illinois 34 $ 12,460,000 $ 366,470 $ 186,000
Livingston, Michigan 34 $ 1,950,000 $ 57,352 $ 63,000
Starke, Indiana 32 $ 3,950,000 $ 123,437 $ 80,000
Johnson, Indiana 29 $ 5,305,000 $ 182,931 $ 92,000
Kent, Michigan 28 $ 1,780,000 $ 63,571 $ 67,000
Ottawa, Michigan 27 $ 2,095,000 $ 77,592 $ 65,000
Carroll, Indiana 25 $ 3,885,000 $ 155,400 $ 154,000
Hancock, Indiana 25 $ 8,445,000 $ 337,800 $ 167,000
Madison, Indiana 21 $ 5,765,000 $ 274,523 $ 166,000
Newton, Indiana 21 $ 2,385,000 $ 113,571 $ 56,000
Lancaster, Pennsylvania 21 $ 1,225,000 $ 58,333 $ 74,000
Saratoga, New York 17 $ 1,335,000 $ 78,529 $ 79,000
Kosciusko, Indiana 16 $ 2,910,000 $ 181,875 $ 103,000
St. Clair, Michigan 16 $ 830,000 $ 51,875 $ 78,000
Anoka, Minnesota 16 $ 800,000 $ 50,000 $ 53,000
Anne Arundel, Maryland 15 $ 1,055,000 $ 70,333 $ 102,000
Berks, Pennsylvania 15 $ 965,000 $ 64,333 $ 61,000
Middlesex, New Jersey 14 $ 1,300,000 $ 92,857 $ 79,000
Bucks, Pennsylvania 14 $ 970,000 $ 69,285 $ 79,000
Grand, Colorado 13 $ 1,995,000 $ 153,461 $ 151,000
Weld, Colorado 13 $ 1,105,000 $ 85,000 $ 71,000
Clinton, Indiana 13 $ 1,545,000 $ 118,846 $ 76,000
Allegan, Michigan 13 $ 1,205,000 $ 92,692 $ 78,000
Kalamazoo, Michigan 13 $ 995,000 $ 76,538 $ 61,000
Washtenaw, Michigan 13 $ 935,000 $ 71,923 $ 96,000
Montgomery, Indiana 12 $ 1,530,000 $ 127,500 $ 83,000
Berrien, Michigan 12 $ 7,360,000 $ 613,333 $ 194,000
Monroe, Michigan 11 $ 565,000 $ 51,363 $ 74,000
Lehigh, Pennsylvania 11 $ 705,000 $ 64,090 $ 59,000
Chester, Pennsylvania 10 $ 780,000 $ 78,000 $ 70,000
Montgomery, Pennsylvania 10 $ 800,000 $ 80,000 $ 79,000
Morgan, Indiana 9 $ 2,075,000 $ 230,555 $ 85,000
Pulaski, Indiana 9 $ 1,015,000 $ 112,777 $ 67,000
York, Pennsylvania 9 $ 605,000 $ 67,222 $ 71,000
Ada, Idaho 8 $ 710,000 $ 88,750 $ 64,000
Jackson, Michigan 8 $ 390,000 $ 48,750 $ 63,000
Cass, Missouri 8 $ 400,000 $ 50,000 $ 60,000
Burlington, New Jersey 8 $ 940,000 $ 117,500 $ 83,000
Travis, Texas 8 $ 710,000 $ 88,750 $ 85,000
Kootenai, Idaho 7 $ 905,000 $ 129,285 $ 64,000
St. Clair, Illinois 7 $ 235,000 $ 33,571 $ 46,000
Will, Illinois 7 $ 2,025,000 $ 289,285 $ 283,000
Vigo, Indiana 7 $ 475,000 $ 67,857 $ 201,000
Lenawee, Michigan 7 $ 315,000 $ 45,000 $ 36,000
Hennepin, Minnesota 7 $ 675,000 $ 96,428 $ 63,000
Ocean, New Jersey 7 $ 465,000 $ 66,428 $ 62,000
Lucas, Ohio 7 $ 355,000 $ 50,714 $ 72,000
Canyon, Idaho 6 $ 470,000 $ 78,333 $ 49,000
Benton, Indiana 6 $ 700,000 $ 116,666 $ 76,000
DeKalb, Indiana 6 $ 29,600,000 $ 4,933,333 $ 92,000
Shelby, Indiana 6 $ 2,820,000 $ 470,000 $ 83,000
Ingham, Michigan 6 $ 250,000 $ 41,666 $ 80,000
Atlantic, New Jersey 6 $ 650,000 $ 108,333 $ 83,000
Gloucester, New Jersey 6 $ 350,000 $ 58,333 $ 71,000
Dutchess, New York 6 $ 480,000 $ 80,000 $ 68,000
Wood, Ohio 6 $ 250,000 $ 41,666 $ 48,000
Bexar, Texas 6 $ 290,000 $ 48,333 $ 82,000
Maricopa, Arizona 5 $ 465,000 $ 93,000 $ 71,000
Delaware, Indiana 5 $ 2,495,000 $ 499,000 $ 90,000
Sedgwick, Kansas 5 $ 235,000 $ 47,000 $ 54,000
Wright, Minnesota 5 $ 315,000 $ 63,000 $ 75,000
McDonald, Missouri 5 $ 595,000 $ 119,000 $ 97,000
Warren, Missouri 5 $ 305,000 $ 61,000 $ 48,000
Camden, New Jersey 5 $ 405,000 $ 81,000 $ 58,000
Cape May, New Jersey 5 $ 445,000 $ 89,000 $ 133,000
Niagara, New York 5 $ 465,000 $ 93,000 $ 60,000
Onondaga, New York 5 $ 255,000 $ 51,000 $ 50,000
Ontario, New York 5 $ 175,000 $ 35,000 $ 49,000
Stark, Ohio 5 $ 355,000 $ 71,000 $ 133,000
Harris, Texas 5 $ 325,000 $ 65,000 $ 65,000
Polk, Texas 5 $ 535,000 $ 107,000 $ 0
Mesa, Colorado 4 $ 300,000 $ 75,000 $ 37,000
Pueblo, Colorado 4 $ 370,000 $ 92,500 $ 59,000
Palm Beach, Florida 4 $ 410,000 $ 102,500 $ 115,000
McLean, Illinois 4 $ 170,000 $ 42,500 $ 69,000
LaGrange, Indiana 4 $ 300,000 $ 75,000 $ 50,000
Putnam, Indiana 4 $ 810,000 $ 202,500 $ 76,000
Warren, Indiana 4 $ 240,000 $ 60,000 $ 41,000
Dubuque, Iowa 4 $ 220,000 $ 55,000 $ 45,000
Linn, Iowa 4 $ 190,000 $ 47,500 $ 56,000
Polk, Iowa 4 $ 180,000 $ 45,000 $ 51,000
Johnson, Kansas 4 $ 210,000 $ 52,500 $ 70,000
Baltimore, Maryland 4 $ 280,000 $ 70,000 $ 78,000
Barry, Michigan 4 $ 200,000 $ 50,000 $ 72,000
Cass, Michigan 4 $ 950,000 $ 237,500 $ 140,000
Genesee, Michigan 4 $ 110,000 $ 27,500 $ 46,000
Grand Traverse, Michigan 4 $ 290,000 $ 72,500 $ 73,000
Winona, Minnesota 4 $ 240,000 $ 60,000 $ 66,000
St. Charles, Missouri 4 $ 120,000 $ 30,000 $ 44,000
Cumberland, New Jersey 4 $ 240,000 $ 60,000 $ 78,000
Montgomery, Ohio 4 $ 360,000 $ 90,000 $ 80,000
Dauphin, Pennsylvania 4 $ 200,000 $ 50,000 $ 117,000
Northampton, Pennsylvania 4 $ 230,000 $ 57,500 $ 69,000
Brazoria, Texas 4 $ 600,000 $ 150,000 $ 0
Van Zandt, Texas 4 $ 340,000 $ 85,000 $ 0
Augusta, Virginia 4 $ 210,000 $ 52,500 $ 39,000
Eau Claire, Wisconsin 4 $ 240,000 $ 60,000 $ 103,000
Blount, Alabama 3 $ 425,000 $ 141,666 $ 0
Larimer, Colorado 3 $ 205,000 $ 68,333 $ 58,000
New Castle, Delaware 3 $ 165,000 $ 55,000 $ 88,000
Lee, Florida 3 $ 735,000 $ 245,000 $ 163,000
Manatee, Florida 3 $ 1,245,000 $ 415,000 $ 118,000
Lake, Illinois 3 $ 1,045,000 $ 348,333 $ 200,000
Cass, Indiana 3 $ 235,000 $ 78,333 $ 82,000
Fulton, Indiana 3 $ 295,000 $ 98,333 $ 93,000
Henry, Indiana 3 $ 345,000 $ 115,000 $ 76,000
Howard, Indiana 3 $ 255,000 $ 85,000 $ 80,000
Monroe, Indiana 3 $ 1,125,000 $ 375,000 $ 276,000
Steuben, Indiana 3 $ 795,000 $ 265,000 $ 164,000
Butler, Kansas 3 $ 125,000 $ 41,666 $ 37,000
Shawnee, Kansas 3 $ 125,000 $ 41,666 $ 52,000
Pulaski, Kentucky 3 $ 125,000 $ 41,666 $ 47,000
Cecil, Maryland 3 $ 485,000 $ 161,666 $ 125,000
Emmet, Michigan 3 $ 185,000 $ 61,666 $ 74,000
Ionia, Michigan 3 $ 205,000 $ 68,333 $ 54,000
Olmsted, Minnesota 3 $ 235,000 $ 78,333 $ 64,000
Ramsey, Minnesota 3 $ 75,000 $ 25,000 $ 49,000
Johnson, Missouri 3 $ 285,000 $ 95,000 $ 95,000
Monroe, New York 3 $ 215,000 $ 71,666 $ 49,000
Oswego, New York 3 $ 255,000 $ 85,000 $ 43,000
Suffolk, New York 3 $ 585,000 $ 195,000 $ 103,000
Franklin, Ohio 3 $ 205,000 $ 68,333 $ 64,000
Lane, Oregon 3 $ 375,000 $ 125,000 $ 73,000
Adams, Pennsylvania 3 $ 125,000 $ 41,666 $ 64,000
Butler, Pennsylvania 3 $ 165,000 $ 55,000 $ 76,000
Cumberland, Pennsylvania 3 $ 95,000 $ 31,666 $ 48,000
Franklin, Pennsylvania 3 $ 185,000 $ 61,666 $ 50,000
Comal, Texas 3 $ 465,000 $ 155,000 $ 54,000
Montgomery, Texas 3 $ 285,000 $ 95,000 $ 0
Kenosha, Wisconsin 3 $ 225,000 $ 75,000 $ 90,000
Sauk, Wisconsin 3 $ 155,000 $ 51,666 $ 62,000
Shelby, Alabama 2 $ 190,000 $ 95,000 $ 0
Pima, Arizona 2 $ 180,000 $ 90,000 $ 0
Pinal, Arizona 2 $ 210,000 $ 105,000 $ 0
Union, Arkansas 2 $ 260,000 $ 130,000 $ 0
Los Angeles, California 2 $ 240,000 $ 120,000 $ 24,000
Sacramento, California 2 $ 250,000 $ 125,000 $ 0
Adams, Colorado 2 $ 130,000 $ 65,000 $ 62,000
Douglas, Colorado 2 $ 180,000 $ 90,000 $ 71,000
Eagle, Colorado 2 $ 480,000 $ 240,000 $ 85,000
Middlesex, Connecticut 2 $ 280,000 $ 140,000 $ 103,000
Sussex, Delaware 2 $ 160,000 $ 80,000 $ 146,000
Collier, Florida 2 $ 2,300,000 $ 1,150,000 $ 972,000
Pinellas, Florida 2 $ 530,000 $ 265,000 $ 146,000
Volusia, Florida 2 $ 480,000 $ 240,000 $ 91,000
Cobb, Georgia 2 $ 100,000 $ 50,000 $ 64,000
Gem, Idaho 2 $ 90,000 $ 45,000 $ 46,000
Payette, Idaho 2 $ 750,000 $ 375,000 $ 59,000
DuPage, Illinois 2 $ 1,530,000 $ 765,000 $ 346,000
Kane, Illinois 2 $ 630,000 $ 315,000 $ 167,000
Kankakee, Illinois 2 $ 130,000 $ 65,000 $ 90,000
Brown, Indiana 2 $ 1,270,000 $ 635,000 $ 165,000
Clark, Indiana 2 $ 260,000 $ 130,000 $ 34,000
Floyd, Indiana 2 $ 200,000 $ 100,000 $ 58,000
Fountain, Indiana 2 $ 370,000 $ 185,000 $ 85,000
Miami, Indiana 2 $ 250,000 $ 125,000 $ 47,000
Owen, Indiana 2 $ 160,000 $ 80,000 $ 65,000
Parke, Indiana 2 $ 510,000 $ 255,000 $ 97,000
Dickinson, Iowa 2 $ 240,000 $ 120,000 $ 154,000
Harrison, Iowa 2 $ 220,000 $ 110,000 $ 121,000
Jones, Iowa 2 $ 90,000 $ 45,000 $ 58,000
Breathitt, Kentucky 2 $ 150,000 $ 75,000 $ 78,000
Garrard, Kentucky 2 $ 240,000 $ 120,000 $ 40,000
Laurel, Kentucky 2 $ 150,000 $ 75,000 $ 39,000
Penobscot, Maine 2 $ 240,000 $ 120,000 $ 171,000
Howard, Maryland 2 $ 170,000 $ 85,000 $ 68,000
Washington, Maryland 2 $ 120,000 $ 60,000 $ 46,000
Chippewa, Michigan 2 $ 80,000 $ 40,000 $ 40,000
Clinton, Michigan 2 $ 160,000 $ 80,000 $ 68,000
Eaton, Michigan 2 $ 140,000 $ 70,000 $ 62,000
Muskegon, Michigan 2 $ 80,000 $ 40,000 $ 42,000
Newaygo, Michigan 2 $ 150,000 $ 75,000 $ 57,000
Oceana, Michigan 2 $ 100,000 $ 50,000 $ 71,000
Shiawassee, Michigan 2 $ 130,000 $ 65,000 $ 49,000
St. Joseph, Michigan 2 $ 330,000 $ 165,000 $ 41,000
Chisago, Minnesota 2 $ 100,000 $ 50,000 $ 60,000
Dakota, Minnesota 2 $ 140,000 $ 70,000 $ 42,000
St. Louis, Minnesota 2 $ 100,000 $ 50,000 $ 89,000
Steele, Minnesota 2 $ 110,000 $ 55,000 $ 37,000
Washington, Minnesota 2 $ 130,000 $ 65,000 $ 50,000
Amite, Mississippi 2 $ 200,000 $ 100,000 $ 0
Kemper, Mississippi 2 $ 210,000 $ 105,000 $ 0
Rankin, Mississippi 2 $ 220,000 $ 110,000 $ 0
Barry, Missouri 2 $ 140,000 $ 70,000 $ 40,000
Bates, Missouri 2 $ 190,000 $ 95,000 $ 113,000
Boone, Missouri 2 $ 120,000 $ 60,000 $ 35,000
Buchanan, Missouri 2 $ 330,000 $ 165,000 $ 82,000
Callaway, Missouri 2 $ 130,000 $ 65,000 $ 44,000
Cape Girardeau, Missouri 2 $ 250,000 $ 125,000 $ 66,000
Dallas, Missouri 2 $ 280,000 $ 140,000 $ 48,000
Greene, Missouri 2 $ 170,000 $ 85,000 $ 109,000
Laclede, Missouri 2 $ 320,000 $ 160,000 $ 93,000
Lawrence, Missouri 2 $ 130,000 $ 65,000 $ 32,000
Lincoln, Missouri 2 $ 60,000 $ 30,000 $ 34,000
Pulaski, Missouri 2 $ 90,000 $ 45,000 $ 57,000
Scott, Missouri 2 $ 240,000 $ 120,000 $ 114,000
Washington, Missouri 2 $ 220,000 $ 110,000 $ 46,000
Flathead, Montana 2 $ 200,000 $ 100,000 $ 51,000
Monmouth, New Jersey 2 $ 100,000 $ 50,000 $ 66,000
Passaic, New Jersey 2 $ 190,000 $ 95,000 $ 49,000
Salem, New Jersey 2 $ 100,000 $ 50,000 $ 52,000
Warren, New Jersey 2 $ 300,000 $ 150,000 $ 97,000
Rio Arriba, New Mexico 2 $ 220,000 $ 110,000 $ 0
Broome, New York 2 $ 240,000 $ 120,000 $ 48,000
Clinton, New York 2 $ 200,000 $ 100,000 $ 119,000
Columbia, New York 2 $ 130,000 $ 65,000 $ 71,000
Erie, New York 2 $ 130,000 $ 65,000 $ 85,000
Livingston, New York 2 $ 170,000 $ 85,000 $ 60,000
Orange, New York 2 $ 150,000 $ 75,000 $ 131,000
Otsego, New York 2 $ 170,000 $ 85,000 $ 53,000
Sullivan, New York 2 $ 120,000 $ 60,000 $ 192,000
Tompkins, New York 2 $ 50,000 $ 25,000 $ 60,000
Ulster, New York 2 $ 200,000 $ 100,000 $ 70,000
Richmond, North Carolina 2 $ 290,000 $ 145,000 $ 0
Robeson, North Carolina 2 $ 170,000 $ 85,000 $ 0
Belmont, Ohio 2 $ 170,000 $ 85,000 $ 34,000
Crawford, Ohio 2 $ 210,000 $ 105,000 $ 164,000
Delaware, Ohio 2 $ 70,000 $ 35,000 $ 52,000
Greene, Ohio 2 $ 60,000 $ 30,000 $ 43,000
Highland, Ohio 2 $ 100,000 $ 50,000 $ 78,000
Portage, Ohio 2 $ 210,000 $ 105,000 $ 79,000
Cleveland, Oklahoma 2 $ 120,000 $ 60,000 $ 73,000
Kay, Oklahoma 2 $ 240,000 $ 120,000 $ 0
Logan, Oklahoma 2 $ 140,000 $ 70,000 $ 0
Muskogee, Oklahoma 2 $ 210,000 $ 105,000 $ 0
Rogers, Oklahoma 2 $ 210,000 $ 105,000 $ 0
Carbon, Pennsylvania 2 $ 60,000 $ 30,000 $ 66,000
Columbia, Pennsylvania 2 $ 150,000 $ 75,000 $ 72,000
Fayette, Pennsylvania 2 $ 160,000 $ 80,000 $ 80,000
Indiana, Pennsylvania 2 $ 160,000 $ 80,000 $ 84,000
Westmoreland, Pennsylvania 2 $ 140,000 $ 70,000 $ 88,000
Minnehaha, South Dakota 2 $ 110,000 $ 55,000 $ 62,000
Hickman, Tennessee 2 $ 330,000 $ 165,000 $ 0
Knox, Tennessee 2 $ 110,000 $ 55,000 $ 165,000
Angelina, Texas 2 $ 160,000 $ 80,000 $ 0
Atascosa, Texas 2 $ 300,000 $ 150,000 $ 0
Bell, Texas 2 $ 220,000 $ 110,000 $ 0
Chambers, Texas 2 $ 290,000 $ 145,000 $ 0
Collin, Texas 2 $ 240,000 $ 120,000 $ 0
Fannin, Texas 2 $ 390,000 $ 195,000 $ 0
Grimes, Texas 2 $ 150,000 $ 75,000 $ 0
Guadalupe, Texas 2 $ 270,000 $ 135,000 $ 0
Henderson, Texas 2 $ 200,000 $ 100,000 $ 0
Hopkins, Texas 2 $ 290,000 $ 145,000 $ 0
Houston, Texas 2 $ 200,000 $ 100,000 $ 0
Johnson, Texas 2 $ 320,000 $ 160,000 $ 0
Liberty, Texas 2 $ 260,000 $ 130,000 $ 0
Limestone, Texas 2 $ 260,000 $ 130,000 $ 0
McLennan, Texas 2 $ 320,000 $ 160,000 $ 0
Randall, Texas 2 $ 240,000 $ 120,000 $ 0
Walker, Texas 2 $ 190,000 $ 95,000 $ 0
Williamson, Texas 2 $ 240,000 $ 120,000 $ 68,000
Wilson, Texas 2 $ 290,000 $ 145,000 $ 0
Prince George, Virginia 2 $ 100,000 $ 50,000 $ 54,000
Mingo, West Virginia 2 $ 200,000 $ 100,000 $ 114,000
Monongalia, West Virginia 2 $ 50,000 $ 25,000 $ 48,000
Dodge, Wisconsin 2 $ 150,000 $ 75,000 $ 120,000
Dunn, Wisconsin 2 $ 120,000 $ 60,000 $ 55,000
Fond du Lac, Wisconsin 2 $ 60,000 $ 30,000 $ 42,000
Jefferson, Wisconsin 2 $ 100,000 $ 50,000 $ 38,000
Marathon, Wisconsin 2 $ 50,000 $ 25,000 $ 53,000
St. Croix, Wisconsin 2 $ 150,000 $ 75,000 $ 57,000
Calhoun, Alabama 1 $ 15,000 $ 15,000 $ 0
Jefferson, Alabama 1 $ 125,000 $ 125,000 $ 0
Lawrence, Alabama 1 $ 145,000 $ 145,000 $ 0
Marion, Alabama 1 $ 135,000 $ 135,000 $ 0
St. Clair, Alabama 1 $ 135,000 $ 135,000 $ 0
Chicot, Arkansas 1 $ 65,000 $ 65,000 $ 0
Craighead, Arkansas 1 $ 85,000 $ 85,000 $ 0
Independence, Arkansas 1 $ 95,000 $ 95,000 $ 0
Johnson, Arkansas 1 $ 95,000 $ 95,000 $ 0
Nevada, Arkansas 1 $ 65,000 $ 65,000 $ 0
Pulaski, Arkansas 1 $ 135,000 $ 135,000 $ 0
Washington, Arkansas 1 $ 95,000 $ 95,000 $ 0
Butte, California 1 $ 55,000 $ 55,000 $ 0
Kern, California 1 $ 105,000 $ 105,000 $ 0
Monterey, California 1 $ 175,000 $ 175,000 $ 0
Orange, California 1 $ 165,000 $ 165,000 $ 0
Placer, California 1 $ 105,000 $ 105,000 $ 0
San Bernardino, California 1 $ 65,000 $ 65,000 $ 0
San Mateo, California 1 $ 375,000 $ 375,000 $ 0
Sonoma, California 1 $ 175,000 $ 175,000 $ 0
Yuba, California 1 $ 85,000 $ 85,000 $ 0
Boulder, Colorado 1 $ 95,000 $ 95,000 $ 83,000
Elbert, Colorado 1 $ 155,000 $ 155,000 $ 211,000
Fremont, Colorado 1 $ 105,000 $ 105,000 $ 86,000
Garfield, Colorado 1 $ 25,000 $ 25,000 $ 31,000
Huerfano, Colorado 1 $ 85,000 $ 85,000 $ 90,000
La Plata, Colorado 1 $ 85,000 $ 85,000 $ 163,000
Routt, Colorado 1 $ 175,000 $ 175,000 $ 107,000
Fairfield, Connecticut 1 $ 165,000 $ 165,000 $ 72,000
Hartford, Connecticut 1 $ 45,000 $ 45,000 $ 43,000
New Haven, Connecticut 1 $ 35,000 $ 35,000 $ 39,000
Tolland, Connecticut 1 $ 25,000 $ 25,000 $ 26,000
Kent, Delaware 1 $ 65,000 $ 65,000 $ 42,000
Bay, Florida 1 $ 145,000 $ 145,000 $ 316,000
Brevard, Florida 1 $ 155,000 $ 155,000 $ 87,000
Broward, Florida 1 $ 1,205,000 $ 1,205,000 $ 295,000
Hillsborough, Florida 1 $ 405,000 $ 405,000 $ 3,000
Leon, Florida 1 $ 75,000 $ 75,000 $ 90,000
Osceola, Florida 1 $ 165,000 $ 165,000 $ 152,000
Polk, Florida 1 $ 25,000 $ 25,000 $ 23,000
Sarasota, Florida 1 $ 225,000 $ 225,000 $ 184,000
Sumter, Florida 1 $ 95,000 $ 95,000 $ 18,000
Barrow, Georgia 1 $ 105,000 $ 105,000 $ 0
Candler, Georgia 1 $ 115,000 $ 115,000 $ 0
Chatham, Georgia 1 $ 125,000 $ 125,000 $ 0
Cherokee, Georgia 1 $ 35,000 $ 35,000 $ 30,000
Douglas, Georgia 1 $ 25,000 $ 25,000 $ 57,000
Floyd, Georgia 1 $ 145,000 $ 145,000 $ 0
Gwinnett, Georgia 1 $ 85,000 $ 85,000 $ 168,000
Hall, Georgia 1 $ 65,000 $ 65,000 $ 109,000
Jones, Georgia 1 $ 85,000 $ 85,000 $ 0
Lee, Georgia 1 $ 75,000 $ 75,000 $ 0
Madison, Georgia 1 $ 175,000 $ 175,000 $ 0
Oconee, Georgia 1 $ 145,000 $ 145,000 $ 0
Pickens, Georgia 1 $ 65,000 $ 65,000 $ 0
Putnam, Georgia 1 $ 65,000 $ 65,000 $ 0
Telfair, Georgia 1 $ 35,000 $ 35,000 $ 0
Thomas, Georgia 1 $ 75,000 $ 75,000 $ 0
Worth, Georgia 1 $ 155,000 $ 155,000 $ 0
Franklin, Idaho 1 $ 45,000 $ 45,000 $ 56,000
Jefferson, Idaho 1 $ 75,000 $ 75,000 $ 98,000
Owyhee, Idaho 1 $ 65,000 $ 65,000 $ 55,000
Boone, Illinois 1 $ 45,000 $ 45,000 $ 40,000
Calhoun, Illinois 1 $ 65,000 $ 65,000 $ 55,000
Cass, Illinois 1 $ 35,000 $ 35,000 $ 42,000
Fayette, Illinois 1 $ 165,000 $ 165,000 $ 82,000
Jo Daviess, Illinois 1 $ 65,000 $ 65,000 $ 42,000
LaSalle, Illinois 1 $ 25,000 $ 25,000 $ 51,000
Madison, Illinois 1 $ 25,000 $ 25,000 $ 39,000
Peoria, Illinois 1 $ 255,000 $ 255,000 $ 135,000
Union, Illinois 1 $ 55,000 $ 55,000 $ 51,000
Bartholomew, Indiana 1 $ 35,000 $ 35,000 $ 90,000
Crawford, Indiana 1 $ 35,000 $ 35,000 $ 23,000
Huntington, Indiana 1 $ 375,000 $ 375,000 $ 181,000
Jennings, Indiana 1 $ 205,000 $ 205,000 $ 54,000
Knox, Indiana 1 $ 45,000 $ 45,000 $ 34,000
Noble, Indiana 1 $ 75,000 $ 75,000 $ 49,000
Orange, Indiana 1 $ 235,000 $ 235,000 $ 78,000
Spencer, Indiana 1 $ 135,000 $ 135,000 $ 69,000
Sullivan, Indiana 1 $ 65,000 $ 65,000 $ 42,000
Wabash, Indiana 1 $ 595,000 $ 595,000 $ 0
Wayne, Indiana 1 $ 265,000 $ 265,000 $ 82,000
Benton, Iowa 1 $ 65,000 $ 65,000 $ 72,000
Black Hawk, Iowa 1 $ 65,000 $ 65,000 $ 63,000
Bremer, Iowa 1 $ 55,000 $ 55,000 $ 84,000
Buchanan, Iowa 1 $ 25,000 $ 25,000 $ 110,000
Cerro Gordo, Iowa 1 $ 75,000 $ 75,000 $ 62,000
Clarke, Iowa 1 $ 105,000 $ 105,000 $ 53,000
Iowa, Iowa 1 $ 65,000 $ 65,000 $ 32,000
Johnson, Iowa 1 $ 45,000 $ 45,000 $ 51,000
Madison, Iowa 1 $ 55,000 $ 55,000 $ 44,000
Marion, Iowa 1 $ 75,000 $ 75,000 $ 72,000
Pottawattamie, Iowa 1 $ 65,000 $ 65,000 $ 195,000
Atchison, Kansas 1 $ 15,000 $ 15,000 $ 29,000
Barber, Kansas 1 $ 125,000 $ 125,000 $ 120,000
Bourbon, Kansas 1 $ 145,000 $ 145,000 $ 0
Cherokee, Kansas 1 $ 75,000 $ 75,000 $ 41,000
Cowley, Kansas 1 $ 75,000 $ 75,000 $ 80,000
Decatur, Kansas 1 $ 85,000 $ 85,000 $ 75,000
Greenwood, Kansas 1 $ 115,000 $ 115,000 $ 80,000
Marion, Kansas 1 $ 115,000 $ 115,000 $ 92,000
Mitchell, Kansas 1 $ 115,000 $ 115,000 $ 60,000
Montgomery, Kansas 1 $ 85,000 $ 85,000 $ 108,000
Neosho, Kansas 1 $ 75,000 $ 75,000 $ 30,000
Stevens, Kansas 1 $ 155,000 $ 155,000 $ 0
Sumner, Kansas 1 $ 25,000 $ 25,000 $ 21,000
Wabaunsee, Kansas 1 $ 35,000 $ 35,000 $ 54,000
Wyandotte, Kansas 1 $ 25,000 $ 25,000 $ 30,000
Caldwell, Kentucky 1 $ 205,000 $ 205,000 $ 117,000
Carroll, Kentucky 1 $ 75,000 $ 75,000 $ 52,000
Christian, Kentucky 1 $ 75,000 $ 75,000 $ 79,000
Clay, Kentucky 1 $ 145,000 $ 145,000 $ 95,000
Daviess, Kentucky 1 $ 65,000 $ 65,000 $ 33,000
Grant, Kentucky 1 $ 125,000 $ 125,000 $ 74,000
Henderson, Kentucky 1 $ 125,000 $ 125,000 $ 115,000
Henry, Kentucky 1 $ 85,000 $ 85,000 $ 37,000
Hopkins, Kentucky 1 $ 125,000 $ 125,000 $ 46,000
Jackson, Kentucky 1 $ 95,000 $ 95,000 $ 57,000
Lee, Kentucky 1 $ 85,000 $ 85,000 $ 29,000
Letcher, Kentucky 1 $ 65,000 $ 65,000 $ 50,000
Lincoln, Kentucky 1 $ 35,000 $ 35,000 $ 28,000
Marshall, Kentucky 1 $ 85,000 $ 85,000 $ 71,000
McCreary, Kentucky 1 $ 35,000 $ 35,000 $ 29,000
Menifee, Kentucky 1 $ 195,000 $ 195,000 $ 127,000
Muhlenberg, Kentucky 1 $ 195,000 $ 195,000 $ 114,000
Calcasieu, Louisiana 1 $ 75,000 $ 75,000 $ 0
Lafourche, Louisiana 1 $ 145,000 $ 145,000 $ 0
Sabine, Louisiana 1 $ 85,000 $ 85,000 $ 0
Vernon, Louisiana 1 $ 115,000 $ 115,000 $ 0
Androscoggin, Maine 1 $ 35,000 $ 35,000 $ 74,000
Allegany, Maryland 1 $ 35,000 $ 35,000 $ 27,000
Caroline, Maryland 1 $ 145,000 $ 145,000 $ 64,000
Harford, Maryland 1 $ 55,000 $ 55,000 $ 40,000
Worcester, Maryland 1 $ 25,000 $ 25,000 $ 25,000
Branch, Michigan 1 $ 95,000 $ 95,000 $ 80,000
Charlevoix, Michigan 1 $ 55,000 $ 55,000 $ 59,000
Gladwin, Michigan 1 $ 55,000 $ 55,000 $ 47,000
Huron, Michigan 1 $ 235,000 $ 235,000 $ 124,000
Kalkaska, Michigan 1 $ 45,000 $ 45,000 $ 80,000
Lapeer, Michigan 1 $ 55,000 $ 55,000 $ 0
Mason, Michigan 1 $ 75,000 $ 75,000 $ 77,000
Mecosta, Michigan 1 $ 55,000 $ 55,000 $ 22,000
Osceola, Michigan 1 $ 55,000 $ 55,000 $ 67,000
Sanilac, Michigan 1 $ 55,000 $ 55,000 $ 55,000
Tuscola, Michigan 1 $ 55,000 $ 55,000 $ 53,000
Van Buren, Michigan 1 $ 195,000 $ 195,000 $ 125,000
Blue Earth, Minnesota 1 $ 95,000 $ 95,000 $ 69,000
Carlton, Minnesota 1 $ 65,000 $ 65,000 $ 30,000
Carver, Minnesota 1 $ 65,000 $ 65,000 $ 73,000
Cass, Minnesota 1 $ 55,000 $ 55,000 $ 220,000
Crow Wing, Minnesota 1 $ 75,000 $ 75,000 $ 100,000
Goodhue, Minnesota 1 $ 15,000 $ 15,000 $ 60,000
Kanabec, Minnesota 1 $ 25,000 $ 25,000 $ 68,000
Kandiyohi, Minnesota 1 $ 45,000 $ 45,000 $ 57,000
McLeod, Minnesota 1 $ 35,000 $ 35,000 $ 110,000
Pine, Minnesota 1 $ 75,000 $ 75,000 $ 45,000
Redwood, Minnesota 1 $ 65,000 $ 65,000 $ 41,000
Scott, Minnesota 1 $ 55,000 $ 55,000 $ 51,000
Chickasaw, Mississippi 1 $ 135,000 $ 135,000 $ 0
Clay, Mississippi 1 $ 115,000 $ 115,000 $ 0
Jones, Mississippi 1 $ 145,000 $ 145,000 $ 0
Lauderdale, Mississippi 1 $ 85,000 $ 85,000 $ 0
Lincoln, Mississippi 1 $ 95,000 $ 95,000 $ 0
Monroe, Mississippi 1 $ 95,000 $ 95,000 $ 0
Pearl River, Mississippi 1 $ 35,000 $ 35,000 $ 0
Smith, Mississippi 1 $ 105,000 $ 105,000 $ 0
Walthall, Mississippi 1 $ 85,000 $ 85,000 $ 0
Wayne, Mississippi 1 $ 105,000 $ 105,000 $ 0
Butler, Missouri 1 $ 65,000 $ 65,000 $ 48,000
Clay, Missouri 1 $ 125,000 $ 125,000 $ 72,000
Gasconade, Missouri 1 $ 95,000 $ 95,000 $ 52,000
Henry, Missouri 1 $ 65,000 $ 65,000 $ 38,000
Jackson, Missouri 1 $ 55,000 $ 55,000 $ 83,000
Jasper, Missouri 1 $ 165,000 $ 165,000 $ 72,000
Macon, Missouri 1 $ 125,000 $ 125,000 $ 57,000
Madison, Missouri 1 $ 105,000 $ 105,000 $ 81,000
Maries, Missouri 1 $ 55,000 $ 55,000 $ 42,000
Mercer, Missouri 1 $ 35,000 $ 35,000 $ 74,000
Nodaway, Missouri 1 $ 165,000 $ 165,000 $ 154,000
Ozark, Missouri 1 $ 45,000 $ 45,000 $ 65,000
Pettis, Missouri 1 $ 35,000 $ 35,000 $ 77,000
Ralls, Missouri 1 $ 145,000 $ 145,000 $ 52,000
Randolph, Missouri 1 $ 35,000 $ 35,000 $ 14,000
Ray, Missouri 1 $ 185,000 $ 185,000 $ 72,000
Schuyler, Missouri 1 $ 105,000 $ 105,000 $ 47,000
Stone, Missouri 1 $ 175,000 $ 175,000 $ 141,000
Taney, Missouri 1 $ 75,000 $ 75,000 $ 58,000
Wright, Missouri 1 $ 95,000 $ 95,000 $ 92,000
Broadwater, Montana 1 $ 45,000 $ 45,000 $ 192,000
Adams, Nebraska 1 $ 75,000 $ 75,000 $ 79,000
Box Butte, Nebraska 1 $ 15,000 $ 15,000 $ 36,000
Cherry, Nebraska 1 $ 135,000 $ 135,000 $ 99,000
Dawson, Nebraska 1 $ 155,000 $ 155,000 $ 0
Douglas, Nebraska 1 $ 35,000 $ 35,000 $ 36,000
Grant, Nebraska 1 $ 65,000 $ 65,000 $ 93,000
Hitchcock, Nebraska 1 $ 65,000 $ 65,000 $ 100,000
Johnson, Nebraska 1 $ 145,000 $ 145,000 $ 50,000
Platte, Nebraska 1 $ 25,000 $ 25,000 $ 54,000
Sarpy, Nebraska 1 $ 45,000 $ 45,000 $ 42,000
Seward, Nebraska 1 $ 45,000 $ 45,000 $ 48,000
Thayer, Nebraska 1 $ 95,000 $ 95,000 $ 186,000
Bergen, New Jersey 1 $ 95,000 $ 95,000 $ 85,000
Mercer, New Jersey 1 $ 55,000 $ 55,000 $ 35,000
Los Alamos, New Mexico 1 $ 45,000 $ 45,000 $ 90,000
Cattaraugus, New York 1 $ 25,000 $ 25,000 $ 65,000
Chautauqua, New York 1 $ 115,000 $ 115,000 $ 0
Delaware, New York 1 $ 155,000 $ 155,000 $ 63,000
Greene, New York 1 $ 165,000 $ 165,000 $ 88,000
Jefferson, New York 1 $ 25,000 $ 25,000 $ 48,000
Orleans, New York 1 $ 65,000 $ 65,000 $ 34,000
Rensselaer, New York 1 $ 35,000 $ 35,000 $ 52,000
Schenectady, New York 1 $ 55,000 $ 55,000 $ 37,000
Seneca, New York 1 $ 55,000 $ 55,000 $ 35,000
Steuben, New York 1 $ 125,000 $ 125,000 $ 128,000
Warren, New York 1 $ 35,000 $ 35,000 $ 32,000
Wayne, New York 1 $ 85,000 $ 85,000 $ 54,000
Wyoming, New York 1 $ 15,000 $ 15,000 $ 0
Bladen, North Carolina 1 $ 95,000 $ 95,000 $ 0
Duplin, North Carolina 1 $ 85,000 $ 85,000 $ 0
Onslow, North Carolina 1 $ 25,000 $ 25,000 $ 53,000
Pender, North Carolina 1 $ 35,000 $ 35,000 $ 0
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Mortgage Loan Application Detail Totals for Centier Bank in 2021

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 2,863 $510,765,000 $178,000 $28,635,000 $88,000 $1,113,000
Refinancing 1,338 $246,720,000 $184,000 $8,875,000 $102,000 $1,331,000
Home Improvement 1,254 $76,340,000 $60,000 $905,000 $102,000 $1,197,000
Cash-out Refinancing 739 $157,185,000 $212,000 $3,095,000 $98,000 $852,000
Other Purpose 409 $35,455,000 $86,000 $1,405,000 $105,000 $1,402,000
Not Applicable 0 $0 $0 $0 $0 $0

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 4,617 $696,385,000 $150,000 $3,005,000 $96,000 $1,402,000
Not Provided 725 $95,965,000 $132,000 $2,505,000 $120,000 $1,113,000
Hispanic 464 $50,830,000 $109,000 $695,000 $71,000 $525,000
Black or African American 365 $39,965,000 $109,000 $2,265,000 $68,000 $444,000
Not applicable 336 $123,940,000 $368,000 $28,635,000 $30,000 $30,000
Asian 61 $14,995,000 $245,000 $3,005,000 $131,000 $1,332,000
American Indian or Alaskan Native 18 $1,030,000 $57,000 $255,000 $60,000 $142,000
Native Hawaiian or Other Pacific Islander 2 $450,000 $225,000 $435,000 $116,000 $152,000

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) 6,376 $987,610,000 $154,000 $28,635,000 $97,000 $1,402,000
FHA-insured (Federal Housing Administration) 204 $34,180,000 $167,000 $325,000 $57,000 $233,000
VA-guaranteed (Veterans Administration) 18 $3,900,000 $216,000 $315,000 $70,000 $156,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 5 $775,000 $155,000 $235,000 $50,000 $64,000

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 4,089 $691,415,000 $169,000 $28,635,000 $101,000 $1,332,000
Application Denied By Financial Institution 853 $92,505,000 $108,000 $1,205,000 $72,000 $706,000
Application Approved But Not Accepted 811 $68,305,000 $84,000 $2,025,000 $77,000 $942,000
Application Withdrawn By Applicant 451 $108,635,000 $240,000 $3,285,000 $117,000 $1,402,000
Loan Purchased By The Institution 263 $28,325,000 $107,000 $375,000 $0 $0
File Closed For Incompleteness 136 $37,280,000 $274,000 $2,875,000 $127,000 $895,000
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 5,750 $933,960,000 $162,000 $28,635,000 $99,000 $1,402,000
Credit History 416 $36,730,000 $88,000 $1,015,000 $84,000 $706,000
Debt-To-Income Ratio 312 $40,320,000 $129,000 $1,205,000 $53,000 $295,000
Collateral 70 $8,950,000 $127,000 $745,000 $86,000 $455,000
Employment History 22 $2,820,000 $128,000 $615,000 $65,000 $362,000
Other 19 $2,535,000 $133,000 $225,000 $69,000 $142,000
Unverifiable Information 9 $855,000 $95,000 $185,000 $80,000 $192,000
Credit Application Incomplete 5 $295,000 $59,000 $105,000 $52,000 $127,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Centier Bank's 2021 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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