Centier Bank Mortgage Lending & HMDA Data, 2023

In 2023, Centier Bank of Merrillville, IN reported 5,934 mortgage applications totaling $1.4 billion, down 2% from 2022. The average application was for $238,830, and applicants reported an average income of $98,096. 46% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Gary, IN (2,042), Indianapolis-Carmel-Anderson, IN (575) and Michigan City-La Porte, IN (210) (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 5,934
Total Mortgage Loan Application Amount $1,417,220,000
Average Mortgage Loan Application Amount $238,830
Highest Mortgage Loan Application Amount $72,505,000
Average Applicant Income $98,096
Highest Applicant Income $1,852,000

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Act (HMDA) records Centier Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Lake, Indiana 1,260 $ 159,860,000 $ 126,873 $ 103,000
Porter, Indiana 730 $ 121,880,000 $ 166,958 $ 114,000
Marion, Indiana 256 $ 95,580,000 $ 373,359 $ 108,000
LaPorte, Indiana 210 $ 33,550,000 $ 159,761 $ 91,000
Tippecanoe, Indiana 187 $ 107,615,000 $ 575,481 $ 113,000
St. Joseph, Indiana 148 $ 26,340,000 $ 177,972 $ 91,000
Hamilton, Indiana 129 $ 132,005,000 $ 1,023,294 $ 219,000
Elkhart, Indiana 113 $ 10,365,000 $ 91,725 $ 88,000
Kent, Michigan 54 $ 4,180,000 $ 77,407 $ 69,000
Ottawa, Michigan 52 $ 3,800,000 $ 73,076 $ 73,000
Boone, Indiana 49 $ 83,585,000 $ 1,705,816 $ 351,000
Macomb, Michigan 46 $ 2,970,000 $ 64,565 $ 61,000
White, Indiana 44 $ 6,250,000 $ 142,045 $ 93,000
Cook, Illinois 43 $ 71,325,000 $ 1,658,720 $ 92,000
Hendricks, Indiana 40 $ 22,960,000 $ 574,000 $ 121,000
Marshall, Indiana 40 $ 3,760,000 $ 94,000 $ 88,000
Oakland, Michigan 38 $ 2,630,000 $ 69,210 $ 78,000
Jasper, Indiana 35 $ 3,165,000 $ 90,428 $ 107,000
Livingston, Michigan 33 $ 2,185,000 $ 66,212 $ 67,000
Wayne, Michigan 32 $ 1,760,000 $ 55,000 $ 70,000
Washtenaw, Michigan 30 $ 2,370,000 $ 79,000 $ 83,000
Travis, Texas 28 $ 4,040,000 $ 144,285 $ 79,000
Starke, Indiana 27 $ 3,255,000 $ 120,555 $ 76,000
Allen, Indiana 25 $ 87,655,000 $ 3,506,200 $ 84,000
Johnson, Indiana 24 $ 4,270,000 $ 177,916 $ 104,000
Allegan, Michigan 24 $ 1,920,000 $ 80,000 $ 94,000
Madison, Indiana 23 $ 4,945,000 $ 215,000 $ 78,000
Saratoga, New York 23 $ 2,155,000 $ 93,695 $ 107,000
Hancock, Indiana 21 $ 4,685,000 $ 223,095 $ 126,000
Berks, Pennsylvania 21 $ 1,655,000 $ 78,809 $ 55,000
Lancaster, Pennsylvania 21 $ 1,885,000 $ 89,761 $ 72,000
Weld, Colorado 20 $ 1,960,000 $ 98,000 $ 81,000
Ada, Idaho 19 $ 1,805,000 $ 95,000 $ 74,000
Morgan, Indiana 19 $ 4,745,000 $ 249,736 $ 107,000
Genesee, Michigan 19 $ 905,000 $ 47,631 $ 61,000
Newton, Indiana 17 $ 805,000 $ 47,352 $ 72,000
Anoka, Minnesota 17 $ 1,235,000 $ 72,647 $ 65,000
Clinton, Indiana 16 $ 3,100,000 $ 193,750 $ 81,000
Muskegon, Michigan 16 $ 890,000 $ 55,625 $ 62,000
Berrien, Michigan 15 $ 2,915,000 $ 194,333 $ 111,000
Chester, Pennsylvania 15 $ 1,345,000 $ 89,666 $ 80,000
Brazoria, Texas 15 $ 1,935,000 $ 129,000 $ 106,000
Montgomery, Indiana 14 $ 3,240,000 $ 231,428 $ 64,000
Tuscaloosa, Alabama 13 $ 1,435,000 $ 110,384 $ 0
St. Clair, Michigan 13 $ 835,000 $ 64,230 $ 52,000
Bucks, Pennsylvania 13 $ 1,775,000 $ 136,538 $ 98,000
Lehigh, Pennsylvania 13 $ 1,025,000 $ 78,846 $ 71,000
Kootenai, Idaho 12 $ 1,460,000 $ 121,666 $ 89,000
Carroll, Indiana 12 $ 1,900,000 $ 158,333 $ 139,000
Grand Traverse, Michigan 12 $ 1,320,000 $ 110,000 $ 69,000
Kalamazoo, Michigan 12 $ 810,000 $ 67,500 $ 68,000
Bexar, Texas 12 $ 980,000 $ 81,666 $ 64,000
Montgomery, Texas 12 $ 1,220,000 $ 101,666 $ 51,000
Cullman, Alabama 11 $ 1,565,000 $ 142,272 $ 0
Pulaski, Indiana 11 $ 1,135,000 $ 103,181 $ 84,000
Lenawee, Michigan 11 $ 665,000 $ 60,454 $ 54,000
Garfield, Colorado 10 $ 1,010,000 $ 101,000 $ 81,000
Howard, Indiana 10 $ 2,310,000 $ 231,000 $ 117,000
Jackson, Michigan 10 $ 580,000 $ 58,000 $ 45,000
Wright, Minnesota 10 $ 790,000 $ 79,000 $ 72,000
Pontotoc, Mississippi 10 $ 1,010,000 $ 101,000 $ 0
Atlantic, New Jersey 10 $ 1,030,000 $ 103,000 $ 78,000
Burlington, New Jersey 10 $ 1,050,000 $ 105,000 $ 73,000
Middlesex, New Jersey 10 $ 1,450,000 $ 145,000 $ 194,000
Wood, Ohio 10 $ 480,000 $ 48,000 $ 55,000
Montgomery, Pennsylvania 10 $ 1,190,000 $ 119,000 $ 103,000
McLean, Illinois 9 $ 295,000 $ 32,777 $ 47,000
St. Clair, Illinois 9 $ 435,000 $ 48,333 $ 87,000
Anne Arundel, Maryland 9 $ 1,115,000 $ 123,888 $ 78,000
Ionia, Michigan 9 $ 665,000 $ 73,888 $ 68,000
Ramsey, Minnesota 9 $ 545,000 $ 60,555 $ 82,000
Stark, Ohio 9 $ 535,000 $ 59,444 $ 64,000
Westmoreland, Pennsylvania 9 $ 915,000 $ 101,666 $ 75,000
Marion, Alabama 8 $ 910,000 $ 113,750 $ 0
Walker, Alabama 8 $ 960,000 $ 120,000 $ 0
Canyon, Idaho 8 $ 720,000 $ 90,000 $ 51,000
Barry, Michigan 8 $ 580,000 $ 72,500 $ 52,000
Cass, Michigan 8 $ 1,550,000 $ 193,750 $ 56,000
Monroe, Michigan 8 $ 430,000 $ 53,750 $ 62,000
Ocean, New Jersey 8 $ 780,000 $ 97,500 $ 80,000
Montgomery, Ohio 8 $ 420,000 $ 52,500 $ 63,000
Northampton, Pennsylvania 8 $ 700,000 $ 87,500 $ 76,000
Harris, Texas 8 $ 1,090,000 $ 136,250 $ 93,000
Hays, Texas 8 $ 890,000 $ 111,250 $ 77,000
Jefferson, Wisconsin 8 $ 400,000 $ 50,000 $ 73,000
Madison, Alabama 7 $ 455,000 $ 65,000 $ 99,000
Kent, Delaware 7 $ 465,000 $ 66,428 $ 94,000
Shelby, Indiana 7 $ 1,585,000 $ 226,428 $ 94,000
Sedgwick, Kansas 7 $ 185,000 $ 26,428 $ 48,000
Monroe, Mississippi 7 $ 655,000 $ 93,571 $ 0
Lincoln, Missouri 7 $ 435,000 $ 62,142 $ 54,000
Cape May, New Jersey 7 $ 715,000 $ 102,142 $ 170,000
Cumberland, New Jersey 7 $ 695,000 $ 99,285 $ 73,000
Gloucester, New Jersey 7 $ 525,000 $ 75,000 $ 70,000
Erie, New York 7 $ 585,000 $ 83,571 $ 104,000
Clermont, Ohio 7 $ 475,000 $ 67,857 $ 57,000
Butler, Pennsylvania 7 $ 525,000 $ 75,000 $ 56,000
Montgomery, Tennessee 7 $ 475,000 $ 67,857 $ 57,000
Kaufman, Texas 7 $ 1,075,000 $ 153,571 $ 0
Adams, Colorado 6 $ 710,000 $ 118,333 $ 90,000
Gwinnett, Georgia 6 $ 550,000 $ 91,666 $ 61,000
Hall, Georgia 6 $ 630,000 $ 105,000 $ 139,000
Kankakee, Illinois 6 $ 410,000 $ 68,333 $ 101,000
Putnam, Indiana 6 $ 1,200,000 $ 200,000 $ 61,000
Polk, Iowa 6 $ 260,000 $ 43,333 $ 64,000
Ingham, Michigan 6 $ 460,000 $ 76,666 $ 61,000
Dakota, Minnesota 6 $ 400,000 $ 66,666 $ 67,000
Onondaga, New York 6 $ 430,000 $ 71,666 $ 65,000
Tompkins, New York 6 $ 540,000 $ 90,000 $ 63,000
Dauphin, Pennsylvania 6 $ 400,000 $ 66,666 $ 85,000
Franklin, Pennsylvania 6 $ 340,000 $ 56,666 $ 78,000
Lebanon, Pennsylvania 6 $ 560,000 $ 93,333 $ 85,000
York, Pennsylvania 6 $ 580,000 $ 96,666 $ 87,000
Liberty, Texas 6 $ 1,040,000 $ 173,333 $ 0
Autauga, Alabama 5 $ 585,000 $ 117,000 $ 0
Blount, Alabama 5 $ 565,000 $ 113,000 $ 0
Jefferson, Alabama 5 $ 675,000 $ 135,000 $ 0
Lawrence, Alabama 5 $ 515,000 $ 103,000 $ 0
Winston, Alabama 5 $ 915,000 $ 183,000 $ 0
Union, Arkansas 5 $ 395,000 $ 79,000 $ 0
White, Arkansas 5 $ 665,000 $ 133,000 $ 0
El Paso, Colorado 5 $ 625,000 $ 125,000 $ 89,000
Grand, Colorado 5 $ 1,115,000 $ 223,000 $ 122,000
Pueblo, Colorado 5 $ 375,000 $ 75,000 $ 66,000
Boone, Illinois 5 $ 225,000 $ 45,000 $ 52,000
Will, Illinois 5 $ 665,000 $ 133,000 $ 131,000
Cass, Indiana 5 $ 645,000 $ 129,000 $ 56,000
Monroe, Indiana 5 $ 975,000 $ 195,000 $ 131,000
Laurel, Kentucky 5 $ 355,000 $ 71,000 $ 57,000
Penobscot, Maine 5 $ 315,000 $ 63,000 $ 61,000
Calhoun, Michigan 5 $ 255,000 $ 51,000 $ 65,000
Benton, Minnesota 5 $ 395,000 $ 79,000 $ 66,000
Washington, Minnesota 5 $ 465,000 $ 93,000 $ 90,000
Niagara, New York 5 $ 505,000 $ 101,000 $ 78,000
Oneida, New York 5 $ 665,000 $ 133,000 $ 96,000
Ontario, New York 5 $ 545,000 $ 109,000 $ 68,000
Lucas, Ohio 5 $ 225,000 $ 45,000 $ 58,000
Cumberland, Pennsylvania 5 $ 485,000 $ 97,000 $ 74,000
Bastrop, Texas 5 $ 665,000 $ 133,000 $ 0
Bell, Texas 5 $ 705,000 $ 141,000 $ 52,000
McLennan, Texas 5 $ 615,000 $ 123,000 $ 0
Smith, Texas 5 $ 475,000 $ 95,000 $ 42,000
Eau Claire, Wisconsin 5 $ 395,000 $ 79,000 $ 87,000
Vernon, Wisconsin 5 $ 195,000 $ 39,000 $ 58,000
Cherokee, Alabama 4 $ 510,000 $ 127,500 $ 0
Fayette, Alabama 4 $ 580,000 $ 145,000 $ 0
Lamar, Alabama 4 $ 650,000 $ 162,500 $ 0
Marengo, Alabama 4 $ 470,000 $ 117,500 $ 0
St. Clair, Alabama 4 $ 840,000 $ 210,000 $ 0
Maricopa, Arizona 4 $ 340,000 $ 85,000 $ 98,000
Ouachita, Arkansas 4 $ 420,000 $ 105,000 $ 0
Larimer, Colorado 4 $ 320,000 $ 80,000 $ 65,000
Mesa, Colorado 4 $ 290,000 $ 72,500 $ 49,000
Twin Falls, Idaho 4 $ 330,000 $ 82,500 $ 68,000
Benton, Indiana 4 $ 670,000 $ 167,500 $ 135,000
Delaware, Indiana 4 $ 230,000 $ 57,500 $ 39,000
Fountain, Indiana 4 $ 680,000 $ 170,000 $ 67,000
Henry, Indiana 4 $ 620,000 $ 155,000 $ 65,000
Kosciusko, Indiana 4 $ 1,740,000 $ 435,000 $ 449,000
Black Hawk, Iowa 4 $ 120,000 $ 30,000 $ 55,000
Shawnee, Kansas 4 $ 190,000 $ 47,500 $ 55,000
Floyd, Kentucky 4 $ 480,000 $ 120,000 $ 70,000
Avoyelles, Louisiana 4 $ 570,000 $ 142,500 $ 0
Rapides, Louisiana 4 $ 600,000 $ 150,000 $ 0
Union, Louisiana 4 $ 340,000 $ 85,000 $ 0
Clinton, Michigan 4 $ 130,000 $ 32,500 $ 50,000
Hennepin, Minnesota 4 $ 310,000 $ 77,500 $ 71,000
Steele, Minnesota 4 $ 240,000 $ 60,000 $ 53,000
Lincoln, Mississippi 4 $ 430,000 $ 107,500 $ 0
Lowndes, Mississippi 4 $ 290,000 $ 72,500 $ 0
Greene, Missouri 4 $ 200,000 $ 50,000 $ 49,000
Jefferson, Missouri 4 $ 240,000 $ 60,000 $ 56,000
Lincoln, New Mexico 4 $ 370,000 $ 92,500 $ 0
Albany, New York 4 $ 190,000 $ 47,500 $ 43,000
Mecklenburg, North Carolina 4 $ 280,000 $ 70,000 $ 75,000
Allegheny, Pennsylvania 4 $ 380,000 $ 95,000 $ 93,000
Minnehaha, South Dakota 4 $ 340,000 $ 85,000 $ 56,000
Collin, Texas 4 $ 560,000 $ 140,000 $ 0
Denton, Texas 4 $ 450,000 $ 112,500 $ 0
Fort Bend, Texas 4 $ 730,000 $ 182,500 $ 0
Hidalgo, Texas 4 $ 340,000 $ 85,000 $ 70,000
Johnson, Texas 4 $ 410,000 $ 102,500 $ 0
San Jacinto, Texas 4 $ 430,000 $ 107,500 $ 0
Williamson, Texas 4 $ 420,000 $ 105,000 $ 85,000
Prince George, Virginia 4 $ 250,000 $ 62,500 $ 48,000
Monongalia, West Virginia 4 $ 260,000 $ 65,000 $ 58,000
Racine, Wisconsin 4 $ 250,000 $ 62,500 $ 54,000
Hale, Alabama 3 $ 345,000 $ 115,000 $ 0
Jackson, Alabama 3 $ 435,000 $ 145,000 $ 0
Mobile, Alabama 3 $ 355,000 $ 118,333 $ 0
Morgan, Alabama 3 $ 465,000 $ 155,000 $ 0
Pickens, Alabama 3 $ 305,000 $ 101,666 $ 0
Pike, Alabama 3 $ 95,000 $ 31,666 $ 28,000
Shelby, Alabama 3 $ 315,000 $ 105,000 $ 0
Talladega, Alabama 3 $ 405,000 $ 135,000 $ 0
Pima, Arizona 3 $ 8,115,000 $ 2,705,000 $ 88,000
Ashley, Arkansas 3 $ 225,000 $ 75,000 $ 0
Johnson, Arkansas 3 $ 265,000 $ 88,333 $ 0
Chaffee, Colorado 3 $ 305,000 $ 101,666 $ 82,000
Fremont, Colorado 3 $ 125,000 $ 41,666 $ 36,000
Jefferson, Colorado 3 $ 285,000 $ 95,000 $ 85,000
New Castle, Delaware 3 $ 165,000 $ 55,000 $ 55,000
Sussex, Delaware 3 $ 565,000 $ 188,333 $ 163,000
Bulloch, Georgia 3 $ 435,000 $ 145,000 $ 0
Effingham, Georgia 3 $ 475,000 $ 158,333 $ 0
Laurens, Georgia 3 $ 465,000 $ 155,000 $ 0
Bonner, Idaho 3 $ 235,000 $ 78,333 $ 88,000
Kane, Illinois 3 $ 185,000 $ 61,666 $ 85,000
DeKalb, Indiana 3 $ 85,000 $ 28,333 $ 53,000
Vanderburgh, Indiana 3 $ 275,000 $ 91,666 $ 73,000
Linn, Iowa 3 $ 5,545,000 $ 1,848,333 $ 41,000
Calloway, Kentucky 3 $ 265,000 $ 88,333 $ 60,000
De Soto, Louisiana 3 $ 275,000 $ 91,666 $ 0
Sabine, Louisiana 3 $ 275,000 $ 91,666 $ 0
Harford, Maryland 3 $ 345,000 $ 115,000 $ 112,000
Howard, Maryland 3 $ 275,000 $ 91,666 $ 85,000
Charlevoix, Michigan 3 $ 525,000 $ 175,000 $ 105,000
Mason, Michigan 3 $ 145,000 $ 48,333 $ 60,000
Shiawassee, Michigan 3 $ 175,000 $ 58,333 $ 49,000
Chisago, Minnesota 3 $ 295,000 $ 98,333 $ 73,000
Stearns, Minnesota 3 $ 315,000 $ 105,000 $ 53,000
Choctaw, Mississippi 3 $ 245,000 $ 81,666 $ 0
Copiah, Mississippi 3 $ 335,000 $ 111,666 $ 0
Lee, Mississippi 3 $ 305,000 $ 101,666 $ 0
Rankin, Mississippi 3 $ 315,000 $ 105,000 $ 0
Union, Mississippi 3 $ 255,000 $ 85,000 $ 0
Cass, Missouri 3 $ 165,000 $ 55,000 $ 48,000
Flathead, Montana 3 $ 485,000 $ 161,666 $ 55,000
Lewis and Clark, Montana 3 $ 295,000 $ 98,333 $ 54,000
Yellowstone, Montana 3 $ 305,000 $ 101,666 $ 58,000
Monroe, New York 3 $ 215,000 $ 71,666 $ 67,000
Ulster, New York 3 $ 425,000 $ 141,666 $ 83,000
Wyoming, New York 3 $ 225,000 $ 75,000 $ 52,000
Champaign, Ohio 3 $ 145,000 $ 48,333 $ 65,000
Clark, Ohio 3 $ 125,000 $ 41,666 $ 41,000
Hancock, Ohio 3 $ 145,000 $ 48,333 $ 61,000
Jackson, Ohio 3 $ 345,000 $ 115,000 $ 53,000
Cleveland, Oklahoma 3 $ 475,000 $ 158,333 $ 0
Pottawatomie, Oklahoma 3 $ 465,000 $ 155,000 $ 0
Centre, Pennsylvania 3 $ 175,000 $ 58,333 $ 39,000
Schuylkill, Pennsylvania 3 $ 375,000 $ 125,000 $ 87,000
Anderson, South Carolina 3 $ 395,000 $ 131,666 $ 0
Pennington, South Dakota 3 $ 575,000 $ 191,666 $ 95,000
Angelina, Texas 3 $ 265,000 $ 88,333 $ 0
Atascosa, Texas 3 $ 395,000 $ 131,666 $ 0
Cherokee, Texas 3 $ 355,000 $ 118,333 $ 0
Coryell, Texas 3 $ 565,000 $ 188,333 $ 0
Falls, Texas 3 $ 385,000 $ 128,333 $ 0
Fayette, Texas 3 $ 365,000 $ 121,666 $ 0
Guadalupe, Texas 3 $ 475,000 $ 158,333 $ 0
Hunt, Texas 3 $ 425,000 $ 141,666 $ 0
Lampasas, Texas 3 $ 415,000 $ 138,333 $ 0
Lubbock, Texas 3 $ 295,000 $ 98,333 $ 0
Midland, Texas 3 $ 565,000 $ 188,333 $ 0
Wilson, Texas 3 $ 315,000 $ 105,000 $ 0
Wise, Texas 3 $ 315,000 $ 105,000 $ 0
Grand, Utah 3 $ 185,000 $ 61,666 $ 77,000
Augusta, Virginia 3 $ 325,000 $ 108,333 $ 66,000
Berkeley, West Virginia 3 $ 265,000 $ 88,333 $ 107,000
Logan, West Virginia 3 $ 295,000 $ 98,333 $ 63,000
Mason, West Virginia 3 $ 335,000 $ 111,666 $ 96,000
Mingo, West Virginia 3 $ 325,000 $ 108,333 $ 55,000
Dodge, Wisconsin 3 $ 195,000 $ 65,000 $ 68,000
Polk, Wisconsin 3 $ 195,000 $ 65,000 $ 52,000
Baldwin, Alabama 2 $ 180,000 $ 90,000 $ 0
Bibb, Alabama 2 $ 320,000 $ 160,000 $ 0
Butler, Alabama 2 $ 230,000 $ 115,000 $ 0
Chilton, Alabama 2 $ 200,000 $ 100,000 $ 0
Clay, Alabama 2 $ 270,000 $ 135,000 $ 0
Colbert, Alabama 2 $ 190,000 $ 95,000 $ 0
Covington, Alabama 2 $ 250,000 $ 125,000 $ 0
Dallas, Alabama 2 $ 230,000 $ 115,000 $ 0
Elmore, Alabama 2 $ 230,000 $ 115,000 $ 0
Franklin, Alabama 2 $ 160,000 $ 80,000 $ 0
Marshall, Alabama 2 $ 160,000 $ 80,000 $ 0
Sumter, Alabama 2 $ 280,000 $ 140,000 $ 0
Baxter, Arkansas 2 $ 170,000 $ 85,000 $ 0
Dallas, Arkansas 2 $ 190,000 $ 95,000 $ 0
Lafayette, Arkansas 2 $ 370,000 $ 185,000 $ 0
Pope, Arkansas 2 $ 130,000 $ 65,000 $ 0
Eagle, Colorado 2 $ 500,000 $ 250,000 $ 106,000
Hartford, Connecticut 2 $ 130,000 $ 65,000 $ 59,000
Middlesex, Connecticut 2 $ 490,000 $ 245,000 $ 141,000
Bay, Florida 2 $ 690,000 $ 345,000 $ 0
Collier, Florida 2 $ 6,660,000 $ 3,330,000 $ 0
Lee, Florida 2 $ 510,000 $ 255,000 $ 72,000
Orange, Florida 2 $ 47,940,000 $ 23,970,000 $ 0
Brantley, Georgia 2 $ 240,000 $ 120,000 $ 0
Henry, Georgia 2 $ 180,000 $ 90,000 $ 94,000
Liberty, Georgia 2 $ 320,000 $ 160,000 $ 0
Pierce, Georgia 2 $ 190,000 $ 95,000 $ 0
Ware, Georgia 2 $ 260,000 $ 130,000 $ 0
Franklin, Idaho 2 $ 150,000 $ 75,000 $ 46,000
Payette, Idaho 2 $ 130,000 $ 65,000 $ 63,000
Adams, Illinois 2 $ 130,000 $ 65,000 $ 42,000
Marion, Illinois 2 $ 260,000 $ 130,000 $ 135,000
McHenry, Illinois 2 $ 140,000 $ 70,000 $ 52,000
Peoria, Illinois 2 $ 19,980,000 $ 9,990,000 $ 66,000
Sangamon, Illinois 2 $ 150,000 $ 75,000 $ 45,000
Winnebago, Illinois 2 $ 100,000 $ 50,000 $ 64,000
Clay, Indiana 2 $ 110,000 $ 55,000 $ 47,000
Franklin, Indiana 2 $ 30,000 $ 15,000 $ 52,000
Grant, Indiana 2 $ 80,000 $ 40,000 $ 36,000
Jackson, Indiana 2 $ 370,000 $ 185,000 $ 148,000
Noble, Indiana 2 $ 320,000 $ 160,000 $ 45,000
Orange, Indiana 2 $ 70,000 $ 35,000 $ 47,000
Owen, Indiana 2 $ 280,000 $ 140,000 $ 75,000
Posey, Indiana 2 $ 290,000 $ 145,000 $ 42,000
Whitley, Indiana 2 $ 530,000 $ 265,000 $ 91,000
Boone, Iowa 2 $ 140,000 $ 70,000 $ 126,000
Dallas, Iowa 2 $ 80,000 $ 40,000 $ 52,000
Fayette, Iowa 2 $ 60,000 $ 30,000 $ 45,000
Story, Iowa 2 $ 110,000 $ 55,000 $ 85,000
Butler, Kansas 2 $ 90,000 $ 45,000 $ 32,000
Johnson, Kansas 2 $ 150,000 $ 75,000 $ 81,000
Caldwell, Kentucky 2 $ 240,000 $ 120,000 $ 84,000
Hopkins, Kentucky 2 $ 150,000 $ 75,000 $ 77,000
Knott, Kentucky 2 $ 200,000 $ 100,000 $ 106,000
Madison, Kentucky 2 $ 200,000 $ 100,000 $ 55,000
Magoffin, Kentucky 2 $ 350,000 $ 175,000 $ 146,000
Pike, Kentucky 2 $ 190,000 $ 95,000 $ 35,000
Beauregard, Louisiana 2 $ 230,000 $ 115,000 $ 0
Caddo, Louisiana 2 $ 280,000 $ 140,000 $ 0
Caldwell, Louisiana 2 $ 200,000 $ 100,000 $ 0
Claiborne, Louisiana 2 $ 230,000 $ 115,000 $ 0
Evangeline, Louisiana 2 $ 280,000 $ 140,000 $ 0
Iberville, Louisiana 2 $ 210,000 $ 105,000 $ 0
La Salle, Louisiana 2 $ 190,000 $ 95,000 $ 0
Livingston, Louisiana 2 $ 460,000 $ 230,000 $ 0
Natchitoches, Louisiana 2 $ 230,000 $ 115,000 $ 0
Red River, Louisiana 2 $ 320,000 $ 160,000 $ 0
St. Landry, Louisiana 2 $ 190,000 $ 95,000 $ 0
Terrebonne, Louisiana 2 $ 170,000 $ 85,000 $ 0
Vernon, Louisiana 2 $ 980,000 $ 490,000 $ 0
Webster, Louisiana 2 $ 170,000 $ 85,000 $ 0
West Carroll, Louisiana 2 $ 280,000 $ 140,000 $ 0
Prince George's, Maryland 2 $ 230,000 $ 115,000 $ 92,000
St. Mary's, Maryland 2 $ 150,000 $ 75,000 $ 70,000
Washington, Maryland 2 $ 120,000 $ 60,000 $ 46,000
Wicomico, Maryland 2 $ 200,000 $ 100,000 $ 87,000
Wexford, Michigan 2 $ 150,000 $ 75,000 $ 49,000
Carver, Minnesota 2 $ 110,000 $ 55,000 $ 89,000
Goodhue, Minnesota 2 $ 80,000 $ 40,000 $ 51,000
Isanti, Minnesota 2 $ 170,000 $ 85,000 $ 71,000
Olmsted, Minnesota 2 $ 140,000 $ 70,000 $ 65,000
Scott, Minnesota 2 $ 150,000 $ 75,000 $ 45,000
St. Louis, Minnesota 2 $ 210,000 $ 105,000 $ 89,000
Winona, Minnesota 2 $ 70,000 $ 35,000 $ 57,000
Chickasaw, Mississippi 2 $ 280,000 $ 140,000 $ 0
Covington, Mississippi 2 $ 220,000 $ 110,000 $ 0
Itawamba, Mississippi 2 $ 250,000 $ 125,000 $ 0
Jackson, Mississippi 2 $ 170,000 $ 85,000 $ 0
Jefferson Davis, Mississippi 2 $ 240,000 $ 120,000 $ 0
Lafayette, Mississippi 2 $ 230,000 $ 115,000 $ 0
Marshall, Mississippi 2 $ 330,000 $ 165,000 $ 0
Panola, Mississippi 2 $ 160,000 $ 80,000 $ 0
Pearl River, Mississippi 2 $ 220,000 $ 110,000 $ 0
Scott, Mississippi 2 $ 220,000 $ 110,000 $ 0
Simpson, Mississippi 2 $ 350,000 $ 175,000 $ 0
Smith, Mississippi 2 $ 330,000 $ 165,000 $ 0
Wayne, Mississippi 2 $ 210,000 $ 105,000 $ 0
Boone, Missouri 2 $ 150,000 $ 75,000 $ 65,000
Newton, Missouri 2 $ 130,000 $ 65,000 $ 60,000
St. Francois, Missouri 2 $ 140,000 $ 70,000 $ 64,000
Stone, Missouri 2 $ 130,000 $ 65,000 $ 55,000
Warren, Missouri 2 $ 70,000 $ 35,000 $ 24,000
Monmouth, New Jersey 2 $ 150,000 $ 75,000 $ 59,000
Broome, New York 2 $ 80,000 $ 40,000 $ 74,000
Cattaraugus, New York 2 $ 160,000 $ 80,000 $ 74,000
Chemung, New York 2 $ 270,000 $ 135,000 $ 118,000
Columbia, New York 2 $ 160,000 $ 80,000 $ 56,000
Greene, New York 2 $ 110,000 $ 55,000 $ 52,000
Livingston, New York 2 $ 100,000 $ 50,000 $ 55,000
Orange, New York 2 $ 200,000 $ 100,000 $ 93,000
Otsego, New York 2 $ 210,000 $ 105,000 $ 69,000
Rockland, New York 2 $ 280,000 $ 140,000 $ 118,000
Schoharie, New York 2 $ 150,000 $ 75,000 $ 104,000
Steuben, New York 2 $ 320,000 $ 160,000 $ 66,000
Wayne, New York 2 $ 90,000 $ 45,000 $ 61,000
Columbus, North Carolina 2 $ 410,000 $ 205,000 $ 0
Duplin, North Carolina 2 $ 230,000 $ 115,000 $ 0
Johnston, North Carolina 2 $ 200,000 $ 100,000 $ 0
Richmond, North Carolina 2 $ 270,000 $ 135,000 $ 0
Robeson, North Carolina 2 $ 280,000 $ 140,000 $ 0
Wilkes, North Carolina 2 $ 360,000 $ 180,000 $ 0
Ward, North Dakota 2 $ 110,000 $ 55,000 $ 150,000
Ashtabula, Ohio 2 $ 400,000 $ 200,000 $ 59,000
Columbiana, Ohio 2 $ 130,000 $ 65,000 $ 56,000
Coshocton, Ohio 2 $ 130,000 $ 65,000 $ 69,000
Delaware, Ohio 2 $ 140,000 $ 70,000 $ 77,000
Geauga, Ohio 2 $ 140,000 $ 70,000 $ 62,000
Greene, Ohio 2 $ 210,000 $ 105,000 $ 68,000
Knox, Ohio 2 $ 190,000 $ 95,000 $ 52,000
Lawrence, Ohio 2 $ 270,000 $ 135,000 $ 74,000
Lorain, Ohio 2 $ 190,000 $ 95,000 $ 67,000
Paulding, Ohio 2 $ 90,000 $ 45,000 $ 77,000
Ross, Ohio 2 $ 250,000 $ 125,000 $ 108,000
Scioto, Ohio 2 $ 60,000 $ 30,000 $ 56,000
Trumbull, Ohio 2 $ 90,000 $ 45,000 $ 41,000
Vinton, Ohio 2 $ 150,000 $ 75,000 $ 63,000
Okmulgee, Oklahoma 2 $ 300,000 $ 150,000 $ 0
Beaver, Pennsylvania 2 $ 250,000 $ 125,000 $ 85,000
Erie, Pennsylvania 2 $ 100,000 $ 50,000 $ 45,000
Luzerne, Pennsylvania 2 $ 140,000 $ 70,000 $ 41,000
Northumberland, Pennsylvania 2 $ 110,000 $ 55,000 $ 25,000
Perry, Pennsylvania 2 $ 110,000 $ 55,000 $ 91,000
Union, Pennsylvania 2 $ 60,000 $ 30,000 $ 22,000
Aiken, South Carolina 2 $ 290,000 $ 145,000 $ 0
Laurens, South Carolina 2 $ 310,000 $ 155,000 $ 0
Lee, South Carolina 2 $ 350,000 $ 175,000 $ 0
Lincoln, South Dakota 2 $ 210,000 $ 105,000 $ 69,000
Walworth, South Dakota 2 $ 270,000 $ 135,000 $ 239,000
Sevier, Tennessee 2 $ 160,000 $ 80,000 $ 80,000
Bee, Texas 2 $ 260,000 $ 130,000 $ 0
Bosque, Texas 2 $ 350,000 $ 175,000 $ 0
Burnet, Texas 2 $ 170,000 $ 85,000 $ 0
Caldwell, Texas 2 $ 320,000 $ 160,000 $ 0
Comal, Texas 2 $ 240,000 $ 120,000 $ 90,000
Comanche, Texas 2 $ 360,000 $ 180,000 $ 0
Dallas, Texas 2 $ 80,000 $ 40,000 $ 64,000
Gillespie, Texas 2 $ 180,000 $ 90,000 $ 0
Hopkins, Texas 2 $ 180,000 $ 90,000 $ 0
Jasper, Texas 2 $ 130,000 $ 65,000 $ 0
Jim Wells, Texas 2 $ 220,000 $ 110,000 $ 0
Kleberg, Texas 2 $ 250,000 $ 125,000 $ 0
La Salle, Texas 2 $ 380,000 $ 190,000 $ 0
Medina, Texas 2 $ 220,000 $ 110,000 $ 0
Montague, Texas 2 $ 150,000 $ 75,000 $ 0
Newton, Texas 2 $ 200,000 $ 100,000 $ 0
Orange, Texas 2 $ 280,000 $ 140,000 $ 0
Panola, Texas 2 $ 260,000 $ 130,000 $ 0
Shelby, Texas 2 $ 170,000 $ 85,000 $ 0
Tarrant, Texas 2 $ 200,000 $ 100,000 $ 0
Trinity, Texas 2 $ 180,000 $ 90,000 $ 0
Middlesex, Virginia 2 $ 140,000 $ 70,000 $ 109,000
Spokane, Washington 2 $ 250,000 $ 125,000 $ 105,000
Harrison, West Virginia 2 $ 220,000 $ 110,000 $ 171,000
Dunn, Wisconsin 2 $ 120,000 $ 60,000 $ 66,000
Fond du Lac, Wisconsin 2 $ 80,000 $ 40,000 $ 38,000
Marathon, Wisconsin 2 $ 120,000 $ 60,000 $ 47,000
Sauk, Wisconsin 2 $ 120,000 $ 60,000 $ 66,000
Waupaca, Wisconsin 2 $ 150,000 $ 75,000 $ 60,000
Albany, Wyoming 2 $ 220,000 $ 110,000 $ 56,000
Natrona, Wyoming 2 $ 120,000 $ 60,000 $ 94,000
Choctaw, Alabama 1 $ 145,000 $ 145,000 $ 0
Cleburne, Alabama 1 $ 285,000 $ 285,000 $ 0
DeKalb, Alabama 1 $ 95,000 $ 95,000 $ 0
Etowah, Alabama 1 $ 125,000 $ 125,000 $ 0
Lauderdale, Alabama 1 $ 125,000 $ 125,000 $ 0
Limestone, Alabama 1 $ 85,000 $ 85,000 $ 0
Lowndes, Alabama 1 $ 95,000 $ 95,000 $ 0
Montgomery, Alabama 1 $ 45,000 $ 45,000 $ 0
Perry, Alabama 1 $ 155,000 $ 155,000 $ 0
Randolph, Alabama 1 $ 65,000 $ 65,000 $ 0
Russell, Alabama 1 $ 85,000 $ 85,000 $ 0
Tallapoosa, Alabama 1 $ 145,000 $ 145,000 $ 0
Washington, Alabama 1 $ 85,000 $ 85,000 $ 0
Arkansas, Arkansas 1 $ 95,000 $ 95,000 $ 0
Calhoun, Arkansas 1 $ 155,000 $ 155,000 $ 0
Cleburne, Arkansas 1 $ 75,000 $ 75,000 $ 0
Crawford, Arkansas 1 $ 95,000 $ 95,000 $ 0
Cross, Arkansas 1 $ 185,000 $ 185,000 $ 0
Drew, Arkansas 1 $ 85,000 $ 85,000 $ 0
Franklin, Arkansas 1 $ 155,000 $ 155,000 $ 0
Fulton, Arkansas 1 $ 75,000 $ 75,000 $ 0
Garland, Arkansas 1 $ 205,000 $ 205,000 $ 0
Hot Spring, Arkansas 1 $ 105,000 $ 105,000 $ 0
Independence, Arkansas 1 $ 95,000 $ 95,000 $ 0
Jackson, Arkansas 1 $ 85,000 $ 85,000 $ 0
Lawrence, Arkansas 1 $ 145,000 $ 145,000 $ 0
Lonoke, Arkansas 1 $ 105,000 $ 105,000 $ 0
Marion, Arkansas 1 $ 105,000 $ 105,000 $ 0
Miller, Arkansas 1 $ 155,000 $ 155,000 $ 0
Arapahoe, Colorado 1 $ 75,000 $ 75,000 $ 64,000
Broomfield, Colorado 1 $ 125,000 $ 125,000 $ 114,000
La Plata, Colorado 1 $ 55,000 $ 55,000 $ 112,000
Moffat, Colorado 1 $ 85,000 $ 85,000 $ 65,000
Montrose, Colorado 1 $ 155,000 $ 155,000 $ 77,000
Morgan, Colorado 1 $ 145,000 $ 145,000 $ 119,000
Routt, Colorado 1 $ 325,000 $ 325,000 $ 122,000
New Haven, Connecticut 1 $ 65,000 $ 65,000 $ 70,000
New London, Connecticut 1 $ 45,000 $ 45,000 $ 50,000
Tolland, Connecticut 1 $ 185,000 $ 185,000 $ 112,000
Brevard, Florida 1 $ 465,000 $ 465,000 $ 249,000
Broward, Florida 1 $ 135,000 $ 135,000 $ 0
Charlotte, Florida 1 $ 725,000 $ 725,000 $ 65,000
Nassau, Florida 1 $ 175,000 $ 175,000 $ 62,000
Okaloosa, Florida 1 $ 505,000 $ 505,000 $ 0
Palm Beach, Florida 1 $ 115,000 $ 115,000 $ 113,000
Pinellas, Florida 1 $ 72,505,000 $ 72,505,000 $ 0
Sarasota, Florida 1 $ 175,000 $ 175,000 $ 141,000
Washington, Florida 1 $ 145,000 $ 145,000 $ 0
Bryan, Georgia 1 $ 165,000 $ 165,000 $ 0
Carroll, Georgia 1 $ 155,000 $ 155,000 $ 0
Charlton, Georgia 1 $ 85,000 $ 85,000 $ 0
Chattahoochee, Georgia 1 $ 135,000 $ 135,000 $ 0
Colquitt, Georgia 1 $ 105,000 $ 105,000 $ 0
Coweta, Georgia 1 $ 95,000 $ 95,000 $ 76,000
Emanuel, Georgia 1 $ 75,000 $ 75,000 $ 0
Floyd, Georgia 1 $ 165,000 $ 165,000 $ 0
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Mortgage Loan Application Detail Totals for Centier Bank in 2023

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 3,543 $1,137,405,000 $321,000 $72,505,000 $91,000 $1,852,000
Home Improvement 1,411 $94,495,000 $66,000 $1,275,000 $111,000 $1,093,000
Other Purpose 470 $28,740,000 $61,000 $1,405,000 $97,000 $1,481,000
Refinancing 438 $125,900,000 $287,000 $34,255,000 $112,000 $1,445,000
Cash-out Refinancing 72 $30,680,000 $426,000 $12,795,000 $117,000 $659,000
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 3,197 $404,845,000 $126,000 $4,645,000 $101,000 $1,852,000
Not Provided 1,075 $93,105,000 $86,000 $965,000 $103,000 $1,093,000
Not applicable 792 $814,650,000 $1,028,000 $72,505,000 $92,000 $92,000
Hispanic 471 $44,395,000 $94,000 $805,000 $81,000 $659,000
Black or African American 304 $31,490,000 $103,000 $715,000 $79,000 $500,000
Asian 66 $25,810,000 $391,000 $2,825,000 $185,000 $1,481,000
American Indian or Alaskan Native 23 $2,325,000 $101,000 $355,000 $70,000 $159,000
Native Hawaiian or Other Pacific Islander 6 $600,000 $100,000 $295,000 $134,000 $523,000

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) 5,842 $1,397,630,000 $239,000 $72,505,000 $99,000 $1,852,000
FHA-insured (Federal Housing Administration) 80 $16,500,000 $206,000 $405,000 $76,000 $158,000
VA-guaranteed (Veterans Administration) 11 $2,885,000 $262,000 $375,000 $103,000 $192,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $205,000 $205,000 $205,000 $79,000 $79,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 2,740 $800,660,000 $292,000 $51,265,000 $114,000 $1,852,000
Application Approved But Not Accepted 1,147 $250,175,000 $218,000 $72,505,000 $79,000 $1,204,000
Application Denied By Financial Institution 981 $156,795,000 $159,000 $34,255,000 $80,000 $1,011,000
Loan Purchased By The Institution 673 $85,695,000 $127,000 $855,000 $0 $0
Application Withdrawn By Applicant 337 $110,515,000 $327,000 $24,505,000 $105,000 $1,074,000
File Closed For Incompleteness 56 $13,380,000 $238,000 $2,285,000 $114,000 $533,000
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 4,953 $1,260,425,000 $254,000 $72,505,000 $103,000 $1,852,000
Credit History 523 $32,395,000 $61,000 $505,000 $85,000 $470,000
Debt-To-Income Ratio 314 $39,770,000 $126,000 $2,245,000 $61,000 $1,011,000
Collateral 84 $6,750,000 $80,000 $325,000 $99,000 $516,000
Unverifiable Information 29 $4,315,000 $148,000 $605,000 $141,000 $708,000
Employment History 9 $935,000 $103,000 $165,000 $50,000 $80,000
Other 8 $1,320,000 $165,000 $405,000 $68,000 $142,000
Credit Application Incomplete 7 $415,000 $59,000 $205,000 $177,000 $750,000
Insufficient Cash (Downpayment, Closing Cost) 7 $70,895,000 $10,127,000 $34,255,000 $37,000 $43,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Centier Bank's 2023 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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