Centier Bank Mortgage Lending & HMDA Data, 2015
In 2015, Centier Bank of Merrillville, IN reported 4,785 mortgage applications totaling $536.0 million, up 15% from 2014. The average application was for $112,019, and applicants reported an average income of $76,747. 61% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Gary, IN (1,796), Indianapolis-Carmel-Anderson, IN (242) and Lafayette-West Lafayette, IN (191) (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 | 4,785 |
| Total Mortgage Loan Application Amount | $536,014,000 |
| Average Mortgage Loan Application Amount | $112,019 |
| Highest Mortgage Loan Application Amount | $7,565,000 |
| Average Applicant Income | $76,747 |
| Highest Applicant Income | $4,773,000 |
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Act (HMDA) records Centier Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Gary, IN | 1,796 | $ 212,314,000 | $ 118,214 | $ 81,000 |
| Indianapolis-Carmel-Anderson, IN | 242 | $ 89,071,000 | $ 368,061 | $ 183,000 |
| Lafayette-West Lafayette, IN | 191 | $ 28,047,000 | $ 146,842 | $ 67,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 101 | $ 4,177,000 | $ 41,356 | $ 50,623 |
| Elkhart-Goshen, IN | 99 | $ 20,639,000 | $ 208,474 | $ 66,000 |
| Michigan City-La Porte, IN | 93 | $ 10,050,000 | $ 108,064 | $ 65,000 |
| Warren-Troy-Farmington Hills, MI | 79 | $ 3,230,000 | $ 40,886 | $ 52,000 |
| South Bend-Mishawaka, IN-MI | 74 | $ 14,710,000 | $ 198,783 | $ 61,378 |
| Montgomery County-Bucks County-Chester County, PA | 71 | $ 3,874,000 | $ 54,563 | $ 56,000 |
| Grand Rapids-Wyoming, MI | 55 | $ 2,283,000 | $ 41,509 | $ 52,000 |
| Baltimore-Columbia-Towson, MD | 50 | $ 2,845,000 | $ 56,900 | $ 59,000 |
| Fort Wayne, IN | 43 | $ 11,892,000 | $ 276,558 | $ 70,000 |
| Reading, PA | 38 | $ 1,904,000 | $ 50,105 | $ 54,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 34 | $ 1,478,000 | $ 43,470 | $ 54,000 |
| Rochester, NY | 31 | $ 1,369,000 | $ 44,161 | $ 47,000 |
| Chicago-Naperville-Arlington Heights, IL | 29 | $ 3,718,000 | $ 128,206 | $ 102,000 |
| Syracuse, NY | 28 | $ 1,592,000 | $ 56,857 | $ 47,000 |
| Albany-Schenectady-Troy, NY | 25 | $ 1,566,000 | $ 62,640 | $ 61,000 |
| Columbus, OH | 24 | $ 1,036,000 | $ 43,166 | $ 51,000 |
| St. Louis, MO-IL | 23 | $ 858,000 | $ 37,304 | $ 75,217 |
| Gettysburg, PA | 20 | $ 990,000 | $ 49,500 | $ 49,000 |
| Harrisburg-Carlisle, PA | 20 | $ 1,026,000 | $ 51,300 | $ 58,000 |
| New York-Jersey City-White Plains, NY-NJ | 19 | $ 1,183,000 | $ 62,263 | $ 56,947 |
| Wichita, KS | 18 | $ 1,061,000 | $ 58,944 | $ 53,000 |
| Camden, NJ | 17 | $ 919,000 | $ 54,058 | $ 51,000 |
| Cleveland-Elyria, OH | 17 | $ 786,000 | $ 46,235 | $ 56,000 |
| Kalamazoo-Portage, MI | 17 | $ 786,000 | $ 46,235 | $ 63,000 |
| York-Hanover, PA | 17 | $ 785,000 | $ 46,176 | $ 45,000 |
| Ann Arbor, MI | 16 | $ 992,000 | $ 62,000 | $ 57,000 |
| Lancaster, PA | 16 | $ 846,000 | $ 52,875 | $ 63,000 |
| Pittsburgh, PA | 16 | $ 901,000 | $ 56,312 | $ 52,000 |
| Toledo, OH | 16 | $ 557,000 | $ 34,812 | $ 46,000 |
| Cincinnati, OH-KY-IN | 14 | $ 623,000 | $ 44,500 | $ 59,500 |
| Niles-Benton Harbor, MI | 14 | $ 2,591,000 | $ 185,071 | $ 113,000 |
| Binghamton, NY | 13 | $ 839,000 | $ 64,538 | $ 47,000 |
| Detroit-Dearborn-Livonia, MI | 13 | $ 486,000 | $ 37,384 | $ 53,000 |
| Huntington-Ashland, WV-KY-OH | 13 | $ 736,000 | $ 56,615 | $ 43,461 |
| Salisbury, MD-DE | 13 | $ 837,000 | $ 64,384 | $ 80,153 |
| Boise City, ID | 12 | $ 678,000 | $ 56,500 | $ 43,000 |
| Atlantic City-Hammonton, NJ | 10 | $ 798,000 | $ 79,800 | $ 49,000 |
| Canton-Massillon, OH | 10 | $ 335,000 | $ 33,500 | $ 45,000 |
| Dover, DE | 10 | $ 445,000 | $ 44,500 | $ 62,000 |
| Kansas City, MO-KS | 10 | $ 473,000 | $ 47,300 | $ 48,400 |
| Lebanon, PA | 10 | $ 477,000 | $ 47,700 | $ 48,000 |
| Utica-Rome, NY | 10 | $ 609,000 | $ 60,900 | $ 46,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 10 | $ 608,000 | $ 60,800 | $ 81,500 |
| Hagerstown-Martinsburg, MD-WV | 9 | $ 459,000 | $ 51,000 | $ 48,666 |
| Monroe, MI | 9 | $ 290,000 | $ 32,222 | $ 46,000 |
| Morgantown, WV | 9 | $ 415,000 | $ 46,111 | $ 45,000 |
| Akron, OH | 8 | $ 365,000 | $ 45,625 | $ 53,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 8 | $ 403,000 | $ 50,375 | $ 44,000 |
| Elgin, IL | 8 | $ 10,271,000 | $ 1,283,875 | $ 15,000 |
| Chambersburg-Waynesboro, PA | 7 | $ 257,000 | $ 36,714 | $ 38,000 |
| Des Moines-West Des Moines, IA | 7 | $ 228,000 | $ 32,571 | $ 58,000 |
| Greeley, CO | 7 | $ 411,000 | $ 58,714 | $ 59,000 |
| North Port-Sarasota-Bradenton, FL | 7 | $ 2,385,000 | $ 340,714 | $ 1,362,000 |
| Omaha-Council Bluffs, NE-IA | 7 | $ 399,000 | $ 57,000 | $ 52,000 |
| Sioux Falls, SD | 7 | $ 347,000 | $ 49,571 | $ 55,000 |
| Topeka, KS | 7 | $ 528,000 | $ 75,428 | $ 94,000 |
| Battle Creek, MI | 6 | $ 188,000 | $ 31,333 | $ 35,000 |
| Bismarck, ND | 6 | $ 529,000 | $ 88,166 | $ 85,000 |
| Cedar Rapids, IA | 6 | $ 273,000 | $ 45,500 | $ 50,000 |
| Flint, MI | 6 | $ 298,000 | $ 49,666 | $ 55,000 |
| Jackson, MI | 6 | $ 177,000 | $ 29,500 | $ 39,000 |
| Manhattan, KS | 6 | $ 301,000 | $ 50,166 | $ 41,000 |
| Muskegon, MI | 6 | $ 255,000 | $ 42,500 | $ 38,000 |
| Vineland-Bridgeton, NJ | 6 | $ 302,000 | $ 50,333 | $ 56,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 6 | $ 307,000 | $ 51,166 | $ 57,000 |
| Watertown-Fort Drum, NY | 6 | $ 311,000 | $ 51,833 | $ 69,000 |
| Wheeling, WV-OH | 6 | $ 255,000 | $ 42,500 | $ 55,833 |
| Billings, MT | 5 | $ 313,000 | $ 62,600 | $ 49,000 |
| Dayton, OH | 5 | $ 150,000 | $ 30,000 | $ 60,000 |
| Denver-Aurora-Lakewood, CO | 5 | $ 226,000 | $ 45,200 | $ 63,000 |
| Elmira, NY | 5 | $ 487,000 | $ 97,400 | $ 61,000 |
| Erie, PA | 5 | $ 241,000 | $ 48,200 | $ 52,000 |
| Kankakee, IL | 5 | $ 300,000 | $ 60,000 | $ 95,000 |
| Staunton-Waynesboro, VA | 5 | $ 264,000 | $ 52,800 | $ 53,000 |
| Altoona, PA | 4 | $ 233,000 | $ 58,250 | $ 42,000 |
| Ames, IA | 4 | $ 192,000 | $ 48,000 | $ 50,000 |
| Bloomington, IL | 4 | $ 136,000 | $ 34,000 | $ 68,000 |
| Cape Girardeau, MO-IL | 4 | $ 139,000 | $ 34,750 | $ 43,000 |
| Champaign-Urbana, IL | 4 | $ 192,000 | $ 48,000 | $ 56,000 |
| Coeur D'Alene, ID | 4 | $ 226,000 | $ 56,500 | $ 58,000 |
| Dutchess County-Putnam County, NY | 4 | $ 222,000 | $ 55,500 | $ 67,000 |
| Ithaca, NY | 4 | $ 174,000 | $ 43,500 | $ 97,000 |
| Jefferson City, MO | 4 | $ 300,000 | $ 75,000 | $ 57,000 |
| Joplin, MO | 4 | $ 258,000 | $ 64,500 | $ 47,000 |
| Lynchburg, VA | 4 | $ 183,000 | $ 45,750 | $ 46,000 |
| Rapid City, SD | 4 | $ 262,000 | $ 65,500 | $ 79,000 |
| Rockford, IL | 4 | $ 228,000 | $ 57,000 | $ 49,000 |
| St. Cloud, MN | 4 | $ 177,000 | $ 44,250 | $ 68,000 |
| Wilmington, DE-MD-NJ | 4 | $ 207,000 | $ 51,750 | $ 68,500 |
| Burlington-South Burlington, VT | 3 | $ 180,000 | $ 60,000 | $ 74,000 |
| Charleston, WV | 3 | $ 243,000 | $ 81,000 | $ 74,000 |
| Decatur, IL | 3 | $ 87,000 | $ 29,000 | $ 64,000 |
| Duluth, MN-WI | 3 | $ 120,000 | $ 40,000 | $ 75,000 |
| Eau Claire, WI | 3 | $ 132,000 | $ 44,000 | $ 55,000 |
| Glens Falls, NY | 3 | $ 139,000 | $ 46,333 | $ 48,000 |
| Grand Junction, CO | 3 | $ 129,000 | $ 43,000 | $ 41,000 |
| Kingston, NY | 3 | $ 194,000 | $ 64,666 | $ 63,000 |
| Lansing-East Lansing, MI | 3 | $ 54,000 | $ 18,000 | $ 57,000 |
| Lincoln, NE | 3 | $ 150,000 | $ 50,000 | $ 74,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 3,282,000 | $ 1,094,000 | $ 497,000 |
| Ocean City, NJ | 3 | $ 137,000 | $ 45,666 | $ 128,000 |
| Racine, WI | 3 | $ 130,000 | $ 43,333 | $ 51,000 |
| Rochester, MN | 3 | $ 125,000 | $ 41,666 | $ 48,000 |
| Springfield, MO | 3 | $ 177,000 | $ 59,000 | $ 41,000 |
| Springfield, OH | 3 | $ 120,000 | $ 40,000 | $ 43,000 |
| Weirton-Steubenville, WV-OH | 3 | $ 243,000 | $ 81,000 | $ 54,666 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 84,000 | $ 42,000 | $ 32,000 |
| Fort Collins, CO | 2 | $ 97,000 | $ 48,500 | $ 45,000 |
| Iowa City, IA | 2 | $ 118,000 | $ 59,000 | $ 37,000 |
| Kokomo, IN | 2 | $ 97,000 | $ 48,500 | $ 60,000 |
| Lima, OH | 2 | $ 47,000 | $ 23,500 | $ 24,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 335,000 | $ 167,500 | $ 98,000 |
| Muncie, IN | 2 | $ 462,000 | $ 231,000 | $ 169,000 |
| Parkersburg-Vienna, WV | 2 | $ 130,000 | $ 65,000 | $ 57,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 90,000 | $ 45,000 | $ 39,000 |
| Springfield, IL | 2 | $ 157,000 | $ 78,500 | $ 83,000 |
| State College, PA | 2 | $ 72,000 | $ 36,000 | $ 54,000 |
| Terre Haute, IN | 2 | $ 197,000 | $ 98,500 | $ 46,000 |
| Wausau, WI | 2 | $ 54,000 | $ 27,000 | $ 37,000 |
| Winchester, VA-WV | 2 | $ 103,000 | $ 51,500 | $ 41,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 74,000 | $ 37,000 | $ 36,000 |
| Beckley, WV | 1 | $ 71,000 | $ 71,000 | $ 99,000 |
| California-Lexington Park, MD | 1 | $ 84,000 | $ 84,000 | $ 88,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 600,000 | $ 600,000 | $ 148,000 |
| Carbondale-Marion, IL | 1 | $ 45,000 | $ 45,000 | $ 16,000 |
| East Stroudsburg, PA | 1 | $ 37,000 | $ 37,000 | $ 19,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 54,000 | $ 54,000 | $ 23,000 |
| Evansville, IN-KY | 1 | $ 43,000 | $ 43,000 | $ 42,000 |
| Fargo, ND-MN | 1 | $ 98,000 | $ 98,000 | $ 109,000 |
| Harrisonburg, VA | 1 | $ 28,000 | $ 28,000 | $ 22,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 54,000 | $ 54,000 | $ 29,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 74,000 | $ 74,000 | $ 65,000 |
| Lakeland-Winter Haven, FL | 1 | $ 110,000 | $ 110,000 | $ 210,000 |
| Lexington-Fayette, KY | 1 | $ 72,000 | $ 72,000 | $ 148,000 |
| Madison, WI | 1 | $ 26,000 | $ 26,000 | $ 21,000 |
| Midland, MI | 1 | $ 21,000 | $ 21,000 | $ 32,000 |
| Missoula, MT | 1 | $ 58,000 | $ 58,000 | $ 104,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 138,000 | $ 138,000 | $ 62,000 |
| Oshkosh-Neenah, WI | 1 | $ 21,000 | $ 21,000 | $ 44,000 |
| Owensboro, KY | 1 | $ 76,000 | $ 76,000 | $ 46,000 |
| Pocatello, ID | 1 | $ 35,000 | $ 35,000 | $ 31,000 |
| Punta Gorda, FL | 1 | $ 336,000 | $ 336,000 | $ 169,000 |
| Richmond, VA | 1 | $ 37,000 | $ 37,000 | $ 62,000 |
| Saginaw, MI | 1 | $ 30,000 | $ 30,000 | $ 98,000 |
| Sioux City, IA-NE-SD | 1 | $ 19,000 | $ 19,000 | $ 49,000 |
| St. Joseph, MO-KS | 1 | $ 53,000 | $ 53,000 | $ 43,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 20,000 | $ 20,000 | $ 19,000 |
| Williamsport, PA | 1 | $ 17,000 | $ 17,000 | $ 18,000 |
Mortgage Loan Application Detail Totals for Centier Bank in 2015
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 | 3,273 | $370,556,000 | $113,000 | $7,565,000 | $74,000 | $4,773,000 |
| Refinancing | 851 | $133,321,000 | $156,000 | $1,000,000 | $91,000 | $1,618,000 |
| Home Improvement | 661 | $32,137,000 | $48,000 | $6,300,000 | $72,000 | $513,000 |
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 | 3,987 | $415,949,000 | $104,000 | $2,738,000 | $77,000 | $1,728,000 |
| Hispanic | 296 | $28,330,000 | $95,000 | $1,640,000 | $67,000 | $757,000 |
| Black or African American | 194 | $14,380,000 | $74,000 | $840,000 | $105,000 | $4,773,000 |
| Not Provided | 122 | $13,380,000 | $109,000 | $800,000 | $85,000 | $576,000 |
| Not applicable | 115 | $53,129,000 | $461,000 | $7,565,000 | $0 | $0 |
| Asian | 54 | $9,888,000 | $183,000 | $960,000 | $132,000 | $1,145,000 |
| American Indian or Alaskan Native | 12 | $758,000 | $63,000 | $172,000 | $46,000 | $95,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $200,000 | $40,000 | $81,000 | $41,000 | $52,000 |
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) | 4,399 | $483,962,000 | $110,000 | $7,565,000 | $79,000 | $4,773,000 |
| FHA-insured (Federal Housing Administration) | 346 | $45,856,000 | $132,000 | $372,000 | $55,000 | $205,000 |
| VA-guaranteed (Veterans Administration) | 33 | $5,278,000 | $159,000 | $331,000 | $66,000 | $228,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $918,000 | $131,000 | $147,000 | $44,000 | $54,000 |
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 | 2,912 | $379,031,000 | $130,000 | $7,565,000 | $83,000 | $4,773,000 |
| Application Approved But Not Accepted | 1,064 | $61,037,000 | $57,000 | $500,000 | $59,000 | $330,000 |
| Application Denied By Financial Institution | 586 | $49,312,000 | $84,000 | $1,735,000 | $62,000 | $1,044,000 |
| Application Withdrawn By Applicant | 214 | $45,304,000 | $211,000 | $6,300,000 | $122,000 | $4,230,000 |
| File Closed For Incompleteness | 9 | $1,330,000 | $147,000 | $560,000 | $98,000 | $304,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 75 | $13,785,000 | $183,000 | $1,735,000 | $103,000 | $1,044,000 |
| Credit History | 66 | $9,004,000 | $136,000 | $640,000 | $73,000 | $274,000 |
| Debt-To-Income Ratio | 39 | $6,820,000 | $174,000 | $960,000 | $52,000 | $298,000 |
| Collateral | 36 | $5,170,000 | $143,000 | $598,000 | $78,000 | $370,000 |
| Employment History | 7 | $889,000 | $127,000 | $187,000 | $10,000 | $33,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $100,000 | $100,000 | $100,000 | $35,000 | $35,000 |
| Unverifiable Information | 1 | $108,000 | $108,000 | $108,000 | $74,000 | $74,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Centier Bank's 2015 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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