Centier Bank Mortgage Lending & HMDA Data, 2022

In 2022, Centier Bank of Merrillville, IN reported 6,081 mortgage applications totaling $1.2 billion, down 8% from 2021. The average application was for $190,888, and applicants reported an average income of $100,919. 55% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Gary, IN (2,479), Indianapolis-Carmel-Anderson, IN (596) and Michigan City-La Porte, IN (309) (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 6,081
Total Mortgage Loan Application Amount $1,160,795,000
Average Mortgage Loan Application Amount $190,888
Highest Mortgage Loan Application Amount $66,505,000
Average Applicant Income $100,919
Highest Applicant Income $6,500,000

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Act (HMDA) records Centier Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2022

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Lake, Indiana 1,533 $ 193,295,000 $ 126,089 $ 101,000
Porter, Indiana 892 $ 133,470,000 $ 149,630 $ 106,000
LaPorte, Indiana 309 $ 46,995,000 $ 152,087 $ 88,000
Tippecanoe, Indiana 247 $ 73,815,000 $ 298,846 $ 117,000
Marion, Indiana 203 $ 57,865,000 $ 285,049 $ 113,000
Hamilton, Indiana 170 $ 100,040,000 $ 588,470 $ 233,000
St. Joseph, Indiana 149 $ 21,415,000 $ 143,724 $ 86,000
Elkhart, Indiana 114 $ 9,320,000 $ 81,754 $ 91,000
Boone, Indiana 88 $ 100,760,000 $ 1,145,000 $ 227,000
Oakland, Michigan 56 $ 3,580,000 $ 63,928 $ 76,000
Hendricks, Indiana 55 $ 15,205,000 $ 276,454 $ 139,000
White, Indiana 54 $ 8,280,000 $ 153,333 $ 92,000
Allen, Indiana 53 $ 24,335,000 $ 459,150 $ 102,000
Kent, Michigan 50 $ 3,670,000 $ 73,400 $ 69,000
Ottawa, Michigan 49 $ 2,825,000 $ 57,653 $ 57,000
Jasper, Indiana 40 $ 4,070,000 $ 101,750 $ 102,000
Marshall, Indiana 40 $ 6,100,000 $ 152,500 $ 111,000
Wayne, Michigan 39 $ 2,215,000 $ 56,794 $ 63,000
Cook, Illinois 38 $ 28,440,000 $ 748,421 $ 115,000
Macomb, Michigan 38 $ 2,270,000 $ 59,736 $ 70,000
Starke, Indiana 37 $ 3,505,000 $ 94,729 $ 79,000
Livingston, Michigan 36 $ 3,300,000 $ 91,666 $ 83,000
Washtenaw, Michigan 34 $ 2,580,000 $ 75,882 $ 84,000
Johnson, Indiana 31 $ 4,555,000 $ 146,935 $ 109,000
Genesee, Michigan 29 $ 1,215,000 $ 41,896 $ 59,000
Travis, Texas 29 $ 3,145,000 $ 108,448 $ 115,000
Clinton, Indiana 21 $ 3,895,000 $ 185,476 $ 78,000
Carroll, Indiana 20 $ 3,920,000 $ 196,000 $ 93,000
Madison, Indiana 20 $ 5,600,000 $ 280,000 $ 117,000
St. Clair, Michigan 19 $ 1,255,000 $ 66,052 $ 65,000
Berrien, Michigan 18 $ 2,860,000 $ 158,888 $ 151,000
Grand Traverse, Michigan 18 $ 1,320,000 $ 73,333 $ 76,000
Anoka, Minnesota 18 $ 1,270,000 $ 70,555 $ 59,000
Hancock, Indiana 15 $ 4,065,000 $ 271,000 $ 190,000
Weld, Colorado 14 $ 1,470,000 $ 105,000 $ 110,000
Newton, Indiana 14 $ 980,000 $ 70,000 $ 80,000
Maricopa, Arizona 13 $ 1,255,000 $ 96,538 $ 79,000
Monroe, Michigan 13 $ 715,000 $ 55,000 $ 66,000
Wright, Minnesota 13 $ 905,000 $ 69,615 $ 49,000
Muskegon, Michigan 12 $ 770,000 $ 64,166 $ 60,000
Lancaster, Pennsylvania 12 $ 1,120,000 $ 93,333 $ 70,000
Grand, Colorado 11 $ 2,105,000 $ 191,363 $ 169,000
Ada, Idaho 11 $ 1,185,000 $ 107,727 $ 78,000
Allegan, Michigan 11 $ 655,000 $ 59,545 $ 78,000
Cass, Michigan 11 $ 1,385,000 $ 125,909 $ 104,000
Kootenai, Idaho 10 $ 1,270,000 $ 127,000 $ 59,000
Pulaski, Indiana 10 $ 1,050,000 $ 105,000 $ 60,000
Jackson, Michigan 10 $ 490,000 $ 49,000 $ 56,000
Kalamazoo, Michigan 10 $ 610,000 $ 61,000 $ 69,000
Lucas, Ohio 10 $ 570,000 $ 57,000 $ 81,000
Eau Claire, Wisconsin 10 $ 540,000 $ 54,000 $ 57,000
Fountain, Indiana 9 $ 935,000 $ 103,888 $ 60,000
Montgomery, Indiana 9 $ 1,415,000 $ 157,222 $ 93,000
Ocean, New Jersey 9 $ 1,115,000 $ 123,888 $ 100,000
Clermont, Ohio 9 $ 485,000 $ 53,888 $ 51,000
Hays, Texas 9 $ 1,345,000 $ 149,444 $ 89,000
Adams, Colorado 8 $ 690,000 $ 86,250 $ 94,000
Kosciusko, Indiana 8 $ 1,200,000 $ 150,000 $ 175,000
Johnson, Kansas 8 $ 720,000 $ 90,000 $ 70,000
Clinton, Michigan 8 $ 470,000 $ 58,750 $ 75,000
Washington, Minnesota 8 $ 540,000 $ 67,500 $ 71,000
Burlington, New Jersey 8 $ 1,020,000 $ 127,500 $ 101,000
Saratoga, New York 8 $ 830,000 $ 103,750 $ 51,000
Bexar, Texas 8 $ 780,000 $ 97,500 $ 101,000
Blount, Alabama 7 $ 925,000 $ 132,142 $ 0
Tuscaloosa, Alabama 7 $ 745,000 $ 106,428 $ 0
Walker, Alabama 7 $ 1,045,000 $ 149,285 $ 0
Kankakee, Illinois 7 $ 375,000 $ 53,571 $ 90,000
Howard, Indiana 7 $ 865,000 $ 123,571 $ 167,000
Monroe, Indiana 7 $ 20,855,000 $ 2,979,285 $ 145,000
Barry, Michigan 7 $ 415,000 $ 59,285 $ 79,000
Dakota, Minnesota 7 $ 535,000 $ 76,428 $ 59,000
Montgomery, Ohio 7 $ 395,000 $ 56,428 $ 73,000
Oklahoma, Oklahoma 7 $ 275,000 $ 39,285 $ 53,000
Harris, Texas 7 $ 26,905,000 $ 3,843,571 $ 40,000
Williamson, Texas 7 $ 1,015,000 $ 145,000 $ 87,000
Baldwin, Alabama 6 $ 780,000 $ 130,000 $ 0
St. Clair, Alabama 6 $ 990,000 $ 165,000 $ 0
Cobb, Georgia 6 $ 330,000 $ 55,000 $ 66,000
Canyon, Idaho 6 $ 480,000 $ 80,000 $ 41,000
Will, Illinois 6 $ 270,000 $ 45,000 $ 89,000
Morgan, Indiana 6 $ 1,090,000 $ 181,666 $ 105,000
Polk, Iowa 6 $ 300,000 $ 50,000 $ 71,000
Anne Arundel, Maryland 6 $ 590,000 $ 98,333 $ 90,000
Lenawee, Michigan 6 $ 240,000 $ 40,000 $ 73,000
St. Louis, Minnesota 6 $ 400,000 $ 66,666 $ 60,000
Jackson, Missouri 6 $ 440,000 $ 73,333 $ 59,000
Atlantic, New Jersey 6 $ 810,000 $ 135,000 $ 95,000
Cape May, New Jersey 6 $ 500,000 $ 83,333 $ 99,000
Gloucester, New Jersey 6 $ 480,000 $ 80,000 $ 66,000
Kerr, Texas 6 $ 900,000 $ 150,000 $ 0
Calhoun, Alabama 5 $ 615,000 $ 123,000 $ 0
Chilton, Alabama 5 $ 575,000 $ 115,000 $ 0
Los Angeles, California 5 $ 765,000 $ 153,000 $ 0
El Paso, Colorado 5 $ 435,000 $ 87,000 $ 50,000
Mesa, Colorado 5 $ 455,000 $ 91,000 $ 75,000
Sedgwick, Kansas 5 $ 225,000 $ 45,000 $ 41,000
Ionia, Michigan 5 $ 275,000 $ 55,000 $ 61,000
Ramsey, Minnesota 5 $ 385,000 $ 77,000 $ 86,000
Cumberland, New Jersey 5 $ 295,000 $ 59,000 $ 61,000
Erie, New York 5 $ 315,000 $ 63,000 $ 69,000
Berks, Pennsylvania 5 $ 415,000 $ 83,000 $ 59,000
Lebanon, Pennsylvania 5 $ 465,000 $ 93,000 $ 76,000
Tarrant, Texas 5 $ 22,345,000 $ 4,469,000 $ 0
Augusta, Virginia 5 $ 545,000 $ 109,000 $ 77,000
Etowah, Alabama 4 $ 540,000 $ 135,000 $ 0
Marion, Alabama 4 $ 380,000 $ 95,000 $ 0
Larimer, Colorado 4 $ 330,000 $ 82,500 $ 80,000
Gwinnett, Georgia 4 $ 300,000 $ 75,000 $ 87,000
Hall, Georgia 4 $ 270,000 $ 67,500 $ 113,000
Macon, Illinois 4 $ 140,000 $ 35,000 $ 61,000
St. Clair, Illinois 4 $ 110,000 $ 27,500 $ 58,000
Delaware, Indiana 4 $ 3,540,000 $ 885,000 $ 50,000
Putnam, Indiana 4 $ 1,860,000 $ 465,000 $ 201,000
Shelby, Indiana 4 $ 580,000 $ 145,000 $ 59,000
Vigo, Indiana 4 $ 380,000 $ 95,000 $ 147,000
Warren, Indiana 4 $ 270,000 $ 67,500 $ 87,000
Hennepin, Minnesota 4 $ 310,000 $ 77,500 $ 70,000
Marshall, Mississippi 4 $ 360,000 $ 90,000 $ 0
Monroe, Mississippi 4 $ 460,000 $ 115,000 $ 0
Union, Mississippi 4 $ 620,000 $ 155,000 $ 0
Middlesex, New Jersey 4 $ 450,000 $ 112,500 $ 92,000
Monmouth, New Jersey 4 $ 370,000 $ 92,500 $ 62,000
Cabarrus, North Carolina 4 $ 210,000 $ 52,500 $ 61,000
Lincoln, South Dakota 4 $ 200,000 $ 50,000 $ 37,000
Minnehaha, South Dakota 4 $ 210,000 $ 52,500 $ 47,000
Comal, Texas 4 $ 300,000 $ 75,000 $ 69,000
Kaufman, Texas 4 $ 640,000 $ 160,000 $ 0
Montgomery, Texas 4 $ 450,000 $ 112,500 $ 0
Wilson, Texas 4 $ 750,000 $ 187,500 $ 0
Clay, Alabama 3 $ 455,000 $ 151,666 $ 0
Colbert, Alabama 3 $ 275,000 $ 91,666 $ 0
Jefferson, Alabama 3 $ 325,000 $ 108,333 $ 0
Marengo, Alabama 3 $ 445,000 $ 148,333 $ 0
Morgan, Alabama 3 $ 375,000 $ 125,000 $ 0
Shelby, Alabama 3 $ 365,000 $ 121,666 $ 0
Pima, Arizona 3 $ 14,785,000 $ 4,928,333 $ 52,000
Union, Arkansas 3 $ 315,000 $ 105,000 $ 0
Orange, California 3 $ 565,000 $ 188,333 $ 0
San Bernardino, California 3 $ 295,000 $ 98,333 $ 0
San Diego, California 3 $ 575,000 $ 191,666 $ 0
New London, Connecticut 3 $ 285,000 $ 95,000 $ 55,000
Tolland, Connecticut 3 $ 225,000 $ 75,000 $ 58,000
Kent, Delaware 3 $ 285,000 $ 95,000 $ 64,000
Collier, Florida 3 $ 4,495,000 $ 1,498,333 $ 649,000
Polk, Florida 3 $ 675,000 $ 225,000 $ 199,000
Fayette, Georgia 3 $ 155,000 $ 51,666 $ 96,000
McLean, Illinois 3 $ 75,000 $ 25,000 $ 45,000
Rock Island, Illinois 3 $ 115,000 $ 38,333 $ 71,000
Cass, Indiana 3 $ 315,000 $ 105,000 $ 180,000
Henry, Indiana 3 $ 245,000 $ 81,666 $ 121,000
Miami, Indiana 3 $ 18,195,000 $ 6,065,000 $ 30,000
Jones, Iowa 3 $ 65,000 $ 21,666 $ 42,000
Plymouth, Iowa 3 $ 245,000 $ 81,666 $ 67,000
Wyandotte, Kansas 3 $ 165,000 $ 55,000 $ 89,000
Union, Louisiana 3 $ 325,000 $ 108,333 $ 0
Howard, Maryland 3 $ 225,000 $ 75,000 $ 75,000
Washington, Maryland 3 $ 145,000 $ 48,333 $ 56,000
Eaton, Michigan 3 $ 105,000 $ 35,000 $ 72,000
Mason, Michigan 3 $ 135,000 $ 45,000 $ 58,000
Van Buren, Michigan 3 $ 125,000 $ 41,666 $ 130,000
Chisago, Minnesota 3 $ 175,000 $ 58,333 $ 62,000
Hancock, Mississippi 3 $ 475,000 $ 158,333 $ 0
Jasper, Mississippi 3 $ 505,000 $ 168,333 $ 0
Jones, Mississippi 3 $ 375,000 $ 125,000 $ 0
Prentiss, Mississippi 3 $ 255,000 $ 85,000 $ 0
Cape Girardeau, Missouri 3 $ 155,000 $ 51,666 $ 38,000
Greene, Missouri 3 $ 255,000 $ 85,000 $ 46,000
Jefferson, Missouri 3 $ 165,000 $ 55,000 $ 70,000
Niagara, New York 3 $ 305,000 $ 101,666 $ 54,000
Orange, New York 3 $ 185,000 $ 61,666 $ 59,000
Mecklenburg, North Carolina 3 $ 175,000 $ 58,333 $ 74,000
Licking, Ohio 3 $ 255,000 $ 85,000 $ 57,000
Wood, Ohio 3 $ 295,000 $ 98,333 $ 78,000
Cleveland, Oklahoma 3 $ 155,000 $ 51,666 $ 58,000
Creek, Oklahoma 3 $ 455,000 $ 151,666 $ 0
Muskogee, Oklahoma 3 $ 285,000 $ 95,000 $ 60,000
Dauphin, Pennsylvania 3 $ 195,000 $ 65,000 $ 66,000
Erie, Pennsylvania 3 $ 185,000 $ 61,666 $ 67,000
Lehigh, Pennsylvania 3 $ 155,000 $ 51,666 $ 75,000
Montgomery, Pennsylvania 3 $ 235,000 $ 78,333 $ 54,000
Northumberland, Pennsylvania 3 $ 275,000 $ 91,666 $ 38,000
Horry, South Carolina 3 $ 495,000 $ 165,000 $ 119,000
Oconee, South Carolina 3 $ 345,000 $ 115,000 $ 0
Brazoria, Texas 3 $ 345,000 $ 115,000 $ 12,000
Erath, Texas 3 $ 535,000 $ 178,333 $ 0
Guadalupe, Texas 3 $ 455,000 $ 151,666 $ 0
Hidalgo, Texas 3 $ 95,000 $ 31,666 $ 79,000
Johnson, Texas 3 $ 505,000 $ 168,333 $ 0
Nueces, Texas 3 $ 245,000 $ 81,666 $ 72,000
Orange, Texas 3 $ 395,000 $ 131,666 $ 0
Parker, Texas 3 $ 295,000 $ 98,333 $ 0
Polk, Texas 3 $ 355,000 $ 118,333 $ 0
Victoria, Texas 3 $ 605,000 $ 201,666 $ 0
Prince George, Virginia 3 $ 175,000 $ 58,333 $ 59,000
Fond du Lac, Wisconsin 3 $ 95,000 $ 31,666 $ 41,000
Sheboygan, Wisconsin 3 $ 105,000 $ 35,000 $ 41,000
Bibb, Alabama 2 $ 320,000 $ 160,000 $ 0
Bullock, Alabama 2 $ 250,000 $ 125,000 $ 0
Fayette, Alabama 2 $ 220,000 $ 110,000 $ 0
Hale, Alabama 2 $ 200,000 $ 100,000 $ 0
Houston, Alabama 2 $ 210,000 $ 105,000 $ 0
Jackson, Alabama 2 $ 350,000 $ 175,000 $ 0
Lamar, Alabama 2 $ 200,000 $ 100,000 $ 0
Lauderdale, Alabama 2 $ 170,000 $ 85,000 $ 0
Lawrence, Alabama 2 $ 250,000 $ 125,000 $ 0
Marshall, Alabama 2 $ 140,000 $ 70,000 $ 0
Pickens, Alabama 2 $ 250,000 $ 125,000 $ 0
Talladega, Alabama 2 $ 290,000 $ 145,000 $ 0
Winston, Alabama 2 $ 220,000 $ 110,000 $ 0
Garland, Arkansas 2 $ 230,000 $ 115,000 $ 0
Lonoke, Arkansas 2 $ 110,000 $ 55,000 $ 0
White, Arkansas 2 $ 260,000 $ 130,000 $ 0
Santa Clara, California 2 $ 240,000 $ 120,000 $ 0
Santa Cruz, California 2 $ 510,000 $ 255,000 $ 0
Arapahoe, Colorado 2 $ 210,000 $ 105,000 $ 58,000
Chaffee, Colorado 2 $ 300,000 $ 150,000 $ 99,000
Garfield, Colorado 2 $ 300,000 $ 150,000 $ 90,000
La Plata, Colorado 2 $ 160,000 $ 80,000 $ 54,000
Montrose, Colorado 2 $ 130,000 $ 65,000 $ 35,000
Fairfield, Connecticut 2 $ 190,000 $ 95,000 $ 49,000
Hartford, Connecticut 2 $ 140,000 $ 70,000 $ 38,000
New Castle, Delaware 2 $ 90,000 $ 45,000 $ 79,000
Lee, Florida 2 $ 760,000 $ 380,000 $ 166,000
Sarasota, Florida 2 $ 2,290,000 $ 1,145,000 $ 390,000
Cherokee, Georgia 2 $ 90,000 $ 45,000 $ 63,000
Effingham, Georgia 2 $ 450,000 $ 225,000 $ 0
Floyd, Georgia 2 $ 320,000 $ 160,000 $ 0
Polk, Georgia 2 $ 250,000 $ 125,000 $ 0
Worth, Georgia 2 $ 320,000 $ 160,000 $ 0
DuPage, Illinois 2 $ 480,000 $ 240,000 $ 70,000
Lake, Illinois 2 $ 600,000 $ 300,000 $ 383,000
LaSalle, Illinois 2 $ 120,000 $ 60,000 $ 45,000
Adams, Indiana 2 $ 120,000 $ 60,000 $ 70,000
DeKalb, Indiana 2 $ 90,000 $ 45,000 $ 54,000
Fulton, Indiana 2 $ 260,000 $ 130,000 $ 47,000
Huntington, Indiana 2 $ 190,000 $ 95,000 $ 61,000
Jackson, Indiana 2 $ 560,000 $ 280,000 $ 130,000
Jennings, Indiana 2 $ 270,000 $ 135,000 $ 88,000
Lawrence, Indiana 2 $ 350,000 $ 175,000 $ 56,000
Noble, Indiana 2 $ 220,000 $ 110,000 $ 93,000
Whitley, Indiana 2 $ 100,000 $ 50,000 $ 35,000
Dallas, Iowa 2 $ 260,000 $ 130,000 $ 76,000
Dubuque, Iowa 2 $ 80,000 $ 40,000 $ 61,000
Linn, Iowa 2 $ 110,000 $ 55,000 $ 88,000
Riley, Kansas 2 $ 40,000 $ 20,000 $ 31,000
Grayson, Kentucky 2 $ 70,000 $ 35,000 $ 31,000
Madison, Kentucky 2 $ 140,000 $ 70,000 $ 32,000
Martin, Kentucky 2 $ 210,000 $ 105,000 $ 64,000
Calcasieu, Louisiana 2 $ 210,000 $ 105,000 $ 0
Lafayette, Louisiana 2 $ 170,000 $ 85,000 $ 0
Livingston, Louisiana 2 $ 260,000 $ 130,000 $ 0
Ouachita, Louisiana 2 $ 3,180,000 $ 1,590,000 $ 0
Rapides, Louisiana 2 $ 250,000 $ 125,000 $ 0
Penobscot, Maine 2 $ 270,000 $ 135,000 $ 116,000
Charlevoix, Michigan 2 $ 210,000 $ 105,000 $ 54,000
Ingham, Michigan 2 $ 70,000 $ 35,000 $ 44,000
Sanilac, Michigan 2 $ 100,000 $ 50,000 $ 61,000
Shiawassee, Michigan 2 $ 60,000 $ 30,000 $ 46,000
Beltrami, Minnesota 2 $ 240,000 $ 120,000 $ 131,000
Goodhue, Minnesota 2 $ 200,000 $ 100,000 $ 62,000
Houston, Minnesota 2 $ 110,000 $ 55,000 $ 48,000
Olmsted, Minnesota 2 $ 150,000 $ 75,000 $ 57,000
Scott, Minnesota 2 $ 60,000 $ 30,000 $ 32,000
Steele, Minnesota 2 $ 150,000 $ 75,000 $ 66,000
Winona, Minnesota 2 $ 200,000 $ 100,000 $ 38,000
Hinds, Mississippi 2 $ 300,000 $ 150,000 $ 0
Jackson, Mississippi 2 $ 260,000 $ 130,000 $ 0
Lowndes, Mississippi 2 $ 300,000 $ 150,000 $ 0
Marion, Mississippi 2 $ 310,000 $ 155,000 $ 0
Perry, Mississippi 2 $ 320,000 $ 160,000 $ 0
Simpson, Mississippi 2 $ 250,000 $ 125,000 $ 0
Smith, Mississippi 2 $ 180,000 $ 90,000 $ 0
Tishomingo, Mississippi 2 $ 240,000 $ 120,000 $ 0
Webster, Mississippi 2 $ 280,000 $ 140,000 $ 0
Dallas, Missouri 2 $ 190,000 $ 95,000 $ 139,000
St. Louis, Missouri 2 $ 110,000 $ 55,000 $ 96,000
Yellowstone, Montana 2 $ 210,000 $ 105,000 $ 53,000
Camden, New Jersey 2 $ 120,000 $ 60,000 $ 67,000
Salem, New Jersey 2 $ 90,000 $ 45,000 $ 40,000
Santa Fe, New Mexico 2 $ 250,000 $ 125,000 $ 0
Albany, New York 2 $ 270,000 $ 135,000 $ 120,000
Cayuga, New York 2 $ 110,000 $ 55,000 $ 49,000
Oneida, New York 2 $ 110,000 $ 55,000 $ 43,000
Onondaga, New York 2 $ 60,000 $ 30,000 $ 62,000
Sullivan, New York 2 $ 120,000 $ 60,000 $ 100,000
Tioga, New York 2 $ 110,000 $ 55,000 $ 45,000
Robeson, North Carolina 2 $ 290,000 $ 145,000 $ 0
Butler, Ohio 2 $ 100,000 $ 50,000 $ 83,000
Clinton, Ohio 2 $ 150,000 $ 75,000 $ 50,000
Lorain, Ohio 2 $ 50,000 $ 25,000 $ 40,000
Madison, Ohio 2 $ 100,000 $ 50,000 $ 53,000
Canadian, Oklahoma 2 $ 90,000 $ 45,000 $ 39,000
Grady, Oklahoma 2 $ 190,000 $ 95,000 $ 0
Marshall, Oklahoma 2 $ 340,000 $ 170,000 $ 0
Lane, Oregon 2 $ 290,000 $ 145,000 $ 100,000
Adams, Pennsylvania 2 $ 130,000 $ 65,000 $ 36,000
Allegheny, Pennsylvania 2 $ 90,000 $ 45,000 $ 70,000
Bucks, Pennsylvania 2 $ 160,000 $ 80,000 $ 74,000
Franklin, Pennsylvania 2 $ 80,000 $ 40,000 $ 56,000
Westmoreland, Pennsylvania 2 $ 200,000 $ 100,000 $ 63,000
York, Pennsylvania 2 $ 200,000 $ 100,000 $ 75,000
Aiken, South Carolina 2 $ 240,000 $ 120,000 $ 50,000
Beaufort, South Carolina 2 $ 370,000 $ 185,000 $ 0
Berkeley, South Carolina 2 $ 350,000 $ 175,000 $ 0
Clarendon, South Carolina 2 $ 260,000 $ 130,000 $ 0
Lexington, South Carolina 2 $ 170,000 $ 85,000 $ 0
Pennington, South Dakota 2 $ 180,000 $ 90,000 $ 60,000
Montgomery, Tennessee 2 $ 120,000 $ 60,000 $ 90,000
Bastrop, Texas 2 $ 2,390,000 $ 1,195,000 $ 0
Brown, Texas 2 $ 420,000 $ 210,000 $ 0
Burleson, Texas 2 $ 290,000 $ 145,000 $ 0
Denton, Texas 2 $ 140,000 $ 70,000 $ 84,000
Dickens, Texas 2 $ 320,000 $ 160,000 $ 0
Fannin, Texas 2 $ 180,000 $ 90,000 $ 0
Hardin, Texas 2 $ 230,000 $ 115,000 $ 0
Hill, Texas 2 $ 260,000 $ 130,000 $ 0
Liberty, Texas 2 $ 380,000 $ 190,000 $ 0
Llano, Texas 2 $ 230,000 $ 115,000 $ 0
Matagorda, Texas 2 $ 400,000 $ 200,000 $ 0
Medina, Texas 2 $ 200,000 $ 100,000 $ 0
Milam, Texas 2 $ 430,000 $ 215,000 $ 0
San Augustine, Texas 2 $ 230,000 $ 115,000 $ 0
Walker, Texas 2 $ 340,000 $ 170,000 $ 0
Boone, West Virginia 2 $ 260,000 $ 130,000 $ 98,000
Cabell, West Virginia 2 $ 290,000 $ 145,000 $ 92,000
Lincoln, West Virginia 2 $ 170,000 $ 85,000 $ 51,000
Dodge, Wisconsin 2 $ 80,000 $ 40,000 $ 40,000
Door, Wisconsin 2 $ 150,000 $ 75,000 $ 48,000
Marathon, Wisconsin 2 $ 80,000 $ 40,000 $ 61,000
Milwaukee, Wisconsin 2 $ 50,000 $ 25,000 $ 42,000
Pierce, Wisconsin 2 $ 120,000 $ 60,000 $ 53,000
Racine, Wisconsin 2 $ 90,000 $ 45,000 $ 35,000
Autauga, Alabama 1 $ 155,000 $ 155,000 $ 0
Butler, Alabama 1 $ 95,000 $ 95,000 $ 0
Cherokee, Alabama 1 $ 155,000 $ 155,000 $ 0
Choctaw, Alabama 1 $ 95,000 $ 95,000 $ 0
Clarke, Alabama 1 $ 55,000 $ 55,000 $ 0
Cleburne, Alabama 1 $ 135,000 $ 135,000 $ 0
Coffee, Alabama 1 $ 135,000 $ 135,000 $ 0
Coosa, Alabama 1 $ 115,000 $ 115,000 $ 0
Cullman, Alabama 1 $ 45,000 $ 45,000 $ 0
Dale, Alabama 1 $ 145,000 $ 145,000 $ 0
Elmore, Alabama 1 $ 145,000 $ 145,000 $ 0
Franklin, Alabama 1 $ 195,000 $ 195,000 $ 0
Lowndes, Alabama 1 $ 115,000 $ 115,000 $ 0
Madison, Alabama 1 $ 135,000 $ 135,000 $ 0
Ashley, Arkansas 1 $ 125,000 $ 125,000 $ 0
Carroll, Arkansas 1 $ 105,000 $ 105,000 $ 0
Clark, Arkansas 1 $ 145,000 $ 145,000 $ 0
Faulkner, Arkansas 1 $ 195,000 $ 195,000 $ 0
Fulton, Arkansas 1 $ 115,000 $ 115,000 $ 0
Jefferson, Arkansas 1 $ 195,000 $ 195,000 $ 0
Mississippi, Arkansas 1 $ 115,000 $ 115,000 $ 0
Ouachita, Arkansas 1 $ 195,000 $ 195,000 $ 0
Perry, Arkansas 1 $ 95,000 $ 95,000 $ 0
Phillips, Arkansas 1 $ 145,000 $ 145,000 $ 0
Saline, Arkansas 1 $ 145,000 $ 145,000 $ 0
Alameda, California 1 $ 305,000 $ 305,000 $ 0
Amador, California 1 $ 135,000 $ 135,000 $ 0
Contra Costa, California 1 $ 175,000 $ 175,000 $ 0
Boulder, Colorado 1 $ 155,000 $ 155,000 $ 71,000
Broomfield, Colorado 1 $ 95,000 $ 95,000 $ 87,000
Delta, Colorado 1 $ 25,000 $ 25,000 $ 26,000
Gunnison, Colorado 1 $ 105,000 $ 105,000 $ 62,000
Huerfano, Colorado 1 $ 115,000 $ 115,000 $ 36,000
Lincoln, Colorado 1 $ 75,000 $ 75,000 $ 25,000
Pueblo, Colorado 1 $ 125,000 $ 125,000 $ 73,000
Summit, Colorado 1 $ 85,000 $ 85,000 $ 95,000
New Haven, Connecticut 1 $ 85,000 $ 85,000 $ 41,000
Windham, Connecticut 1 $ 95,000 $ 95,000 $ 72,000
Alachua, Florida 1 $ 275,000 $ 275,000 $ 0
Broward, Florida 1 $ 105,000 $ 105,000 $ 0
Calhoun, Florida 1 $ 95,000 $ 95,000 $ 0
Citrus, Florida 1 $ 85,000 $ 85,000 $ 0
Flagler, Florida 1 $ 55,000 $ 55,000 $ 0
Hillsborough, Florida 1 $ 105,000 $ 105,000 $ 0
Marion, Florida 1 $ 235,000 $ 235,000 $ 65,000
Orange, Florida 1 $ 65,000 $ 65,000 $ 0
Volusia, Florida 1 $ 65,000 $ 65,000 $ 0
Bartow, Georgia 1 $ 145,000 $ 145,000 $ 0
Bulloch, Georgia 1 $ 145,000 $ 145,000 $ 0
Calhoun, Georgia 1 $ 85,000 $ 85,000 $ 0
Columbia, Georgia 1 $ 175,000 $ 175,000 $ 133,000
Dodge, Georgia 1 $ 165,000 $ 165,000 $ 0
Evans, Georgia 1 $ 135,000 $ 135,000 $ 0
Haralson, Georgia 1 $ 175,000 $ 175,000 $ 0
Heard, Georgia 1 $ 105,000 $ 105,000 $ 0
Irwin, Georgia 1 $ 75,000 $ 75,000 $ 0
Lamar, Georgia 1 $ 95,000 $ 95,000 $ 0
Laurens, Georgia 1 $ 95,000 $ 95,000 $ 0
Lincoln, Georgia 1 $ 5,000 $ 5,000 $ 0
Mitchell, Georgia 1 $ 105,000 $ 105,000 $ 0
Pickens, Georgia 1 $ 105,000 $ 105,000 $ 0
Tattnall, Georgia 1 $ 95,000 $ 95,000 $ 0
Telfair, Georgia 1 $ 105,000 $ 105,000 $ 0
Thomas, Georgia 1 $ 125,000 $ 125,000 $ 0
Tift, Georgia 1 $ 205,000 $ 205,000 $ 0
Treutlen, Georgia 1 $ 125,000 $ 125,000 $ 0
Union, Georgia 1 $ 105,000 $ 105,000 $ 0
Elmore, Idaho 1 $ 55,000 $ 55,000 $ 89,000
Franklin, Idaho 1 $ 95,000 $ 95,000 $ 46,000
Jefferson, Idaho 1 $ 45,000 $ 45,000 $ 39,000
Madison, Idaho 1 $ 55,000 $ 55,000 $ 36,000
Washington, Idaho 1 $ 85,000 $ 85,000 $ 62,000
Adams, Illinois 1 $ 15,000 $ 15,000 $ 86,000
Alexander, Illinois 1 $ 195,000 $ 195,000 $ 322,000
Boone, Illinois 1 $ 35,000 $ 35,000 $ 65,000
Champaign, Illinois 1 $ 75,000 $ 75,000 $ 62,000
DeKalb, Illinois 1 $ 35,000 $ 35,000 $ 41,000
Fayette, Illinois 1 $ 155,000 $ 155,000 $ 0
Franklin, Illinois 1 $ 225,000 $ 225,000 $ 89,000
Grundy, Illinois 1 $ 15,000 $ 15,000 $ 30,000
Iroquois, Illinois 1 $ 75,000 $ 75,000 $ 31,000
Jersey, Illinois 1 $ 65,000 $ 65,000 $ 37,000
Jo Daviess, Illinois 1 $ 325,000 $ 325,000 $ 1,177,000
Kane, Illinois 1 $ 25,000 $ 25,000 $ 57,000
Sangamon, Illinois 1 $ 15,000 $ 15,000 $ 199,000
Winnebago, Illinois 1 $ 65,000 $ 65,000 $ 174,000
Benton, Indiana 1 $ 75,000 $ 75,000 $ 165,000
Daviess, Indiana 1 $ 105,000 $ 105,000 $ 78,000
Dubois, Indiana 1 $ 95,000 $ 95,000 $ 70,000
Gibson, Indiana 1 $ 125,000 $ 125,000 $ 71,000
Greene, Indiana 1 $ 95,000 $ 95,000 $ 48,000
Harrison, Indiana 1 $ 95,000 $ 95,000 $ 96,000
Jefferson, Indiana 1 $ 25,000 $ 25,000 $ 36,000
LaGrange, Indiana 1 $ 1,235,000 $ 1,235,000 $ 0
Rush, Indiana 1 $ 735,000 $ 735,000 $ 0
Steuben, Indiana 1 $ 205,000 $ 205,000 $ 95,000
Tipton, Indiana 1 $ 655,000 $ 655,000 $ 116,000
Wabash, Indiana 1 $ 25,000 $ 25,000 $ 45,000
Warrick, Indiana 1 $ 85,000 $ 85,000 $ 88,000
Wayne, Indiana 1 $ 265,000 $ 265,000 $ 88,000
Black Hawk, Iowa 1 $ 15,000 $ 15,000 $ 61,000
Bremer, Iowa 1 $ 55,000 $ 55,000 $ 89,000
Des Moines, Iowa 1 $ 95,000 $ 95,000 $ 34,000
Johnson, Iowa 1 $ 45,000 $ 45,000 $ 33,000
Madison, Iowa 1 $ 35,000 $ 35,000 $ 97,000
Scott, Iowa 1 $ 35,000 $ 35,000 $ 73,000
Story, Iowa 1 $ 15,000 $ 15,000 $ 94,000
Wapello, Iowa 1 $ 65,000 $ 65,000 $ 46,000
Butler, Kansas 1 $ 55,000 $ 55,000 $ 24,000
Doniphan, Kansas 1 $ 215,000 $ 215,000 $ 129,000
Douglas, Kansas 1 $ 45,000 $ 45,000 $ 88,000
Finney, Kansas 1 $ 145,000 $ 145,000 $ 89,000
Linn, Kansas 1 $ 75,000 $ 75,000 $ 65,000
Montgomery, Kansas 1 $ 225,000 $ 225,000 $ 125,000
Bell, Kentucky 1 $ 205,000 $ 205,000 $ 60,000
Boyd, Kentucky 1 $ 155,000 $ 155,000 $ 101,000
Bullitt, Kentucky 1 $ 25,000 $ 25,000 $ 29,000
Casey, Kentucky 1 $ 145,000 $ 145,000 $ 87,000
Crittenden, Kentucky 1 $ 55,000 $ 55,000 $ 16,000
Elliott, Kentucky 1 $ 195,000 $ 195,000 $ 61,000
Floyd, Kentucky 1 $ 145,000 $ 145,000 $ 104,000
Franklin, Kentucky 1 $ 65,000 $ 65,000 $ 96,000
Graves, Kentucky 1 $ 105,000 $ 105,000 $ 66,000
Harlan, Kentucky 1 $ 155,000 $ 155,000 $ 118,000
Hopkins, Kentucky 1 $ 125,000 $ 125,000 $ 46,000
Jackson, Kentucky 1 $ 65,000 $ 65,000 $ 35,000
Knox, Kentucky 1 $ 105,000 $ 105,000 $ 41,000
Laurel, Kentucky 1 $ 145,000 $ 145,000 $ 54,000
Lawrence, Kentucky 1 $ 75,000 $ 75,000 $ 35,000
Lewis, Kentucky 1 $ 45,000 $ 45,000 $ 95,000
Logan, Kentucky 1 $ 215,000 $ 215,000 $ 146,000
Marshall, Kentucky 1 $ 115,000 $ 115,000 $ 93,000
Mercer, Kentucky 1 $ 65,000 $ 65,000 $ 108,000
Ohio, Kentucky 1 $ 85,000 $ 85,000 $ 0
Perry, Kentucky 1 $ 115,000 $ 115,000 $ 67,000
Rowan, Kentucky 1 $ 95,000 $ 95,000 $ 71,000
Webster, Kentucky 1 $ 145,000 $ 145,000 $ 0
Whitley, Kentucky 1 $ 195,000 $ 195,000 $ 122,000
Wolfe, Kentucky 1 $ 25,000 $ 25,000 $ 54,000
Acadia, Louisiana 1 $ 125,000 $ 125,000 $ 0
Bossier, Louisiana 1 $ 7,845,000 $ 7,845,000 $ 0
Concordia, Louisiana 1 $ 125,000 $ 125,000 $ 0
Evangeline, Louisiana 1 $ 75,000 $ 75,000 $ 0
Lafourche, Louisiana 1 $ 195,000 $ 195,000 $ 0
Richland, Louisiana 1 $ 85,000 $ 85,000 $ 0
Sabine, Louisiana 1 $ 195,000 $ 195,000 $ 0
West Carroll, Louisiana 1 $ 95,000 $ 95,000 $ 0
Winn, Louisiana 1 $ 125,000 $ 125,000 $ 0
Cumberland, Maine 1 $ 95,000 $ 95,000 $ 92,000
York, Maine 1 $ 115,000 $ 115,000 $ 86,000
Cecil, Maryland 1 $ 225,000 $ 225,000 $ 152,000
Charles, Maryland 1 $ 55,000 $ 55,000 $ 130,000
Harford, Maryland 1 $ 95,000 $ 95,000 $ 138,000
Prince George's, Maryland 1 $ 115,000 $ 115,000 $ 84,000
St. Mary's, Maryland 1 $ 35,000 $ 35,000 $ 58,000
Berkshire, Massachusetts 1 $ 115,000 $ 115,000 $ 87,000
Hampden, Massachusetts 1 $ 335,000 $ 335,000 $ 95,000
Plymouth, Massachusetts 1 $ 265,000 $ 265,000 $ 158,000
Antrim, Michigan 1 $ 65,000 $ 65,000 $ 62,000
Bay, Michigan 1 $ 65,000 $ 65,000 $ 42,000
Calhoun, Michigan 1 $ 65,000 $ 65,000 $ 78,000
Hillsdale, Michigan 1 $ 45,000 $ 45,000 $ 48,000
Midland, Michigan 1 $ 225,000 $ 225,000 $ 106,000
St. Joseph, Michigan 1 $ 25,000 $ 25,000 $ 81,000
Tuscola, Michigan 1 $ 45,000 $ 45,000 $ 48,000
Carlton, Minnesota 1 $ 115,000 $ 115,000 $ 55,000
Carver, Minnesota 1 $ 75,000 $ 75,000 $ 44,000
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Mortgage Loan Application Detail Totals for Centier Bank in 2022

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 3,156 $882,630,000 $279,000 $66,505,000 $91,000 $2,600,000
Home Improvement 1,553 $112,285,000 $72,000 $2,555,000 $116,000 $3,602,000
Refinancing 653 $78,925,000 $120,000 $2,605,000 $115,000 $6,500,000
Other Purpose 455 $31,795,000 $69,000 $1,105,000 $98,000 $980,000
Cash-out Refinancing 264 $55,160,000 $208,000 $1,305,000 $101,000 $1,088,000
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 3,696 $509,910,000 $137,000 $2,555,000 $101,000 $3,602,000
Not Provided 940 $88,370,000 $94,000 $1,005,000 $110,000 $1,534,000
Not applicable 594 $466,600,000 $785,000 $66,505,000 $0 $0
Hispanic 471 $43,685,000 $92,000 $745,000 $84,000 $658,000
Black or African American 304 $33,230,000 $109,000 $905,000 $77,000 $359,000
Asian 56 $16,860,000 $301,000 $2,905,000 $274,000 $6,500,000
American Indian or Alaskan Native 14 $1,050,000 $75,000 $125,000 $79,000 $147,000
Native Hawaiian or Other Pacific Islander 4 $940,000 $235,000 $775,000 $93,000 $165,000

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) 5,936 $1,133,820,000 $191,000 $66,505,000 $103,000 $6,500,000
FHA-insured (Federal Housing Administration) 133 $24,455,000 $183,000 $405,000 $67,000 $200,000
VA-guaranteed (Veterans Administration) 7 $1,795,000 $256,000 $325,000 $86,000 $140,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 5 $725,000 $145,000 $235,000 $60,000 $81,000

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 3,331 $783,355,000 $235,000 $66,505,000 $113,000 $3,602,000
Application Approved But Not Accepted 1,036 $127,120,000 $122,000 $26,565,000 $75,000 $755,000
Application Denied By Financial Institution 828 $77,300,000 $93,000 $1,355,000 $77,000 $421,000
Loan Purchased By The Institution 486 $67,130,000 $138,000 $2,265,000 $0 $0
Application Withdrawn By Applicant 312 $85,340,000 $273,000 $10,545,000 $120,000 $1,534,000
File Closed For Incompleteness 88 $20,550,000 $233,000 $865,000 $180,000 $6,500,000
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 5,253 $1,083,495,000 $206,000 $66,505,000 $106,000 $6,500,000
Credit History 437 $28,565,000 $65,000 $495,000 $83,000 $312,000
Debt-To-Income Ratio 266 $31,190,000 $117,000 $1,355,000 $57,000 $315,000
Collateral 71 $8,675,000 $122,000 $1,125,000 $102,000 $421,000
Other 20 $3,660,000 $183,000 $435,000 $94,000 $196,000
Employment History 17 $1,975,000 $116,000 $285,000 $56,000 $166,000
Unverifiable Information 10 $2,060,000 $206,000 $645,000 $137,000 $264,000
Insufficient Cash (Downpayment, Closing Cost) 5 $965,000 $193,000 $225,000 $71,000 $80,000
Credit Application Incomplete 2 $210,000 $105,000 $125,000 $140,000 $180,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Centier Bank's 2022 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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