Centier Bank Mortgage Lending & HMDA Data, 2019

In 2019, Centier Bank of Merrillville, IN reported 6,685 mortgage applications totaling $918.0 million, up 1% from 2018. The average application was for $137,326, and applicants reported an average income of $87,903. 64% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Gary, IN (2,604), Indianapolis-Carmel-Anderson, IN (948) and Michigan City-La Porte, IN (340) (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 6,685
Total Mortgage Loan Application Amount $918,025,000
Average Mortgage Loan Application Amount $137,326
Highest Mortgage Loan Application Amount $28,165,000
Average Applicant Income $87,903
Highest Applicant Income $3,461,000

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Act (HMDA) records Centier Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Metropolitan Area in 2019

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 2,604 $ 321,180,000 $ 123,341 $ 90,000
Indianapolis-Carmel-Anderson, IN 948 $ 197,140,000 $ 207,953 $ 124,000
Outside any metro area 614 $ 58,440,000 $ 95,179 $ 71,985
Michigan City-La Porte, IN 340 $ 36,090,000 $ 106,147 $ 68,000
Lafayette-West Lafayette, IN 276 $ 68,950,000 $ 249,818 $ 100,000
Elkhart-Goshen, IN 186 $ 48,590,000 $ 261,236 $ 61,000
South Bend-Mishawaka, IN-MI 156 $ 27,980,000 $ 179,358 $ 76,365
Warren-Troy-Farmington Hills, MI 107 $ 5,935,000 $ 55,467 $ 63,000
Minneapolis-St. Paul-Bloomington, MN-WI 104 $ 5,940,000 $ 57,115 $ 60,307
Fort Wayne, IN 95 $ 15,425,000 $ 162,368 $ 84,000
Grand Rapids-Wyoming, MI 86 $ 4,700,000 $ 54,651 $ 72,000
Montgomery County-Bucks County-Chester County, PA 60 $ 3,710,000 $ 61,833 $ 63,000
Kokomo, IN 51 $ 13,995,000 $ 274,411 $ 71,000
Baltimore-Columbia-Towson, MD 43 $ 2,725,000 $ 63,372 $ 68,000
Chicago-Naperville, IL 43 $ 11,395,000 $ 265,000 $ 241,000
Ann Arbor, MI 28 $ 1,470,000 $ 52,500 $ 55,000
Reading, PA 24 $ 1,190,000 $ 49,583 $ 58,000
New York-Newark, NY 22 $ 1,440,000 $ 65,454 $ 90,272
Greeley, CO 21 $ 1,265,000 $ 60,238 $ 69,000
Toledo, OH 18 $ 700,000 $ 38,888 $ 51,000
Boise City, ID 16 $ 1,250,000 $ 78,125 $ 62,000
Denver-Aurora-Lakewood, CO 16 $ 960,000 $ 60,000 $ 59,000
Hagerstown-Martinsburg, MD-WV 16 $ 760,000 $ 47,500 $ 44,750
Camden, NJ 15 $ 885,000 $ 59,000 $ 71,000
Lansing-East Lansing, MI 15 $ 485,000 $ 32,333 $ 52,000
Albany-Schenectady-Troy, NY 14 $ 740,000 $ 52,857 $ 64,000
Allentown-Bethlehem-Easton, PA-NJ 14 $ 580,000 $ 41,428 $ 49,000
Columbus, OH 14 $ 710,000 $ 50,714 $ 51,000
Detroit-Dearborn-Livonia, MI 13 $ 485,000 $ 37,307 $ 63,000
Gettysburg, PA 13 $ 655,000 $ 50,384 $ 60,000
Wichita, KS 13 $ 825,000 $ 63,461 $ 100,000
Harrisburg-Carlisle, PA 12 $ 600,000 $ 50,000 $ 63,000
Kansas City, MO-KS 12 $ 700,000 $ 58,333 $ 69,916
Monroe, MI 12 $ 520,000 $ 43,333 $ 43,000
St. Louis, MO-IL 12 $ 530,000 $ 44,166 $ 70,000
York-Hanover, PA 12 $ 440,000 $ 36,666 $ 53,000
Atlantic City-Hammonton, NJ 11 $ 885,000 $ 80,454 $ 77,000
Coeur D'Alene, ID 11 $ 745,000 $ 67,727 $ 50,000
Muncie, IN 11 $ 13,045,000 $ 1,185,909 $ 79,000
Pittsburgh, PA 11 $ 645,000 $ 58,636 $ 69,000
Grand Junction, CO 10 $ 540,000 $ 54,000 $ 50,000
Niles-Benton Harbor, MI 10 $ 1,240,000 $ 124,000 $ 125,000
Rochester, NY 10 $ 440,000 $ 44,000 $ 43,000
Washington-Arlington-Alexandria, DC-VA-MD-WV 10 $ 710,000 $ 71,000 $ 67,400
Fort Collins, CO 9 $ 545,000 $ 60,555 $ 62,000
Lancaster, PA 9 $ 485,000 $ 53,888 $ 62,000
Lebanon, PA 9 $ 475,000 $ 52,777 $ 54,000
Morgantown, WV 9 $ 385,000 $ 42,777 $ 52,000
Youngstown-Warren-Boardman, OH-PA 9 $ 315,000 $ 35,000 $ 51,333
Austin-Round Rock, TX 8 $ 570,000 $ 71,250 $ 67,000
Des Moines-West Des Moines, IA 8 $ 340,000 $ 42,500 $ 73,000
Houston-The Woodlands-Sugar Land, TX 8 $ 760,000 $ 95,000 $ 50,000
Staunton-Waynesboro, VA 8 $ 500,000 $ 62,500 $ 41,000
Billings, MT 7 $ 545,000 $ 77,857 $ 66,000
Cape Girardeau, MO-IL 7 $ 445,000 $ 63,571 $ 220,000
Cincinnati, OH-KY-IN 7 $ 13,095,000 $ 1,870,714 $ 43,571
Colorado Springs, CO 7 $ 445,000 $ 63,571 $ 68,000
Dayton-Springfield-Kettering, OH 7 $ 315,000 $ 45,000 $ 93,000
Eau Claire, WI 7 $ 385,000 $ 55,000 $ 53,000
Kalamazoo-Portage, MI 7 $ 355,000 $ 50,714 $ 57,000
Kingston, NY 7 $ 405,000 $ 57,857 $ 49,000
Omaha-Council Bluffs, NE-IA 7 $ 365,000 $ 52,142 $ 66,000
Sioux Falls, SD 7 $ 215,000 $ 30,714 $ 50,000
Syracuse, NY 7 $ 465,000 $ 66,428 $ 68,000
Wilmington, DE-MD-NJ 7 $ 225,000 $ 32,142 $ 62,000
Cheyenne, WY 6 $ 270,000 $ 45,000 $ 66,000
Dallas-Plano-Irving, TX 6 $ 490,000 $ 81,666 $ 0
Kankakee, IL 6 $ 370,000 $ 61,666 $ 117,000
San Antonio-New Braunfels, TX 6 $ 530,000 $ 88,333 $ 69,000
Springfield, MO 6 $ 470,000 $ 78,333 $ 70,000
Vineland-Bridgeton, NJ 6 $ 340,000 $ 56,666 $ 62,000
Akron, OH 5 $ 265,000 $ 53,000 $ 60,000
Boulder, CO 5 $ 385,000 $ 77,000 $ 79,000
Cape Coral-Fort Myers, FL 5 $ 1,965,000 $ 393,000 $ 214,000
Dover, DE 5 $ 125,000 $ 25,000 $ 40,000
Huntington-Ashland, WV-KY-OH 5 $ 335,000 $ 67,000 $ 60,200
Ocean City, NJ 5 $ 465,000 $ 93,000 $ 74,000
Oklahoma City, OK 5 $ 415,000 $ 83,000 $ 0
Salisbury, MD-DE 5 $ 335,000 $ 67,000 $ 82,600
Virginia Beach-Norfolk-Newport News, VA-NC 5 $ 235,000 $ 47,000 $ 61,000
Binghamton, NY 4 $ 240,000 $ 60,000 $ 38,000
Buffalo-Cheektowaga-Niagara Falls, NY 4 $ 220,000 $ 55,000 $ 59,000
Charleston, WV 4 $ 370,000 $ 92,500 $ 75,000
Cleveland-Elyria, OH 4 $ 240,000 $ 60,000 $ 72,000
Columbus, IN 4 $ 430,000 $ 107,500 $ 42,000
Flint, MI 4 $ 130,000 $ 32,500 $ 70,000
Glens Falls, NY 4 $ 240,000 $ 60,000 $ 56,000
Muskegon, MI 4 $ 200,000 $ 50,000 $ 51,000
Pueblo, CO 4 $ 220,000 $ 55,000 $ 60,000
Rapid City, SD 4 $ 250,000 $ 62,500 $ 39,000
Topeka, KS 4 $ 210,000 $ 52,500 $ 57,000
Utica-Rome, NY 4 $ 220,000 $ 55,000 $ 73,000
Alexandria, LA 3 $ 155,000 $ 51,666 $ 0
Ames, IA 3 $ 145,000 $ 48,333 $ 59,000
Beckley, WV 3 $ 345,000 $ 115,000 $ 102,000
California-Lexington Park, MD 3 $ 185,000 $ 61,666 $ 41,000
Evansville, IN-KY 3 $ 235,000 $ 78,333 $ 58,666
Fort Worth-Arlington, TX 3 $ 265,000 $ 88,333 $ 0
Jackson, MS 3 $ 265,000 $ 88,333 $ 0
Logan, UT-ID 3 $ 195,000 $ 65,000 $ 41,000
New York-Jersey City-White Plains, NY-NJ 3 $ 155,000 $ 51,666 $ 59,000
Racine, WI 3 $ 175,000 $ 58,333 $ 70,000
Tampa-St. Petersburg-Clearwater, FL 3 $ 1,045,000 $ 348,333 $ 104,000
Battle Creek, MI 2 $ 110,000 $ 55,000 $ 48,000
Canton-Massillon, OH 2 $ 100,000 $ 50,000 $ 57,000
Casper, WY 2 $ 130,000 $ 65,000 $ 44,000
Chambersburg-Waynesboro, PA 2 $ 80,000 $ 40,000 $ 60,000
Champaign-Urbana, IL 2 $ 80,000 $ 40,000 $ 40,000
Columbia, MO 2 $ 130,000 $ 65,000 $ 59,000
Duluth, MN-WI 2 $ 90,000 $ 45,000 $ 69,000
Elgin, IL 2 $ 4,330,000 $ 2,165,000 $ 314,000
Erie, PA 2 $ 40,000 $ 20,000 $ 51,000
Gulfport-Biloxi-Pascagoula, MS 2 $ 240,000 $ 120,000 $ 0
Jackson, MI 2 $ 150,000 $ 75,000 $ 80,000
Jacksonville, FL 2 $ 770,000 $ 385,000 $ 184,000
Jefferson City, MO 2 $ 130,000 $ 65,000 $ 84,000
Lake County-Kenosha County, IL-WI 2 $ 80,000 $ 40,000 $ 57,000
North Port-Sarasota-Bradenton, FL 2 $ 1,670,000 $ 835,000 $ 487,000
Phoenix-Mesa-Scottsdale, AZ 2 $ 170,000 $ 85,000 $ 0
Punta Gorda, FL 2 $ 610,000 $ 305,000 $ 141,000
Rochester, MN 2 $ 160,000 $ 80,000 $ 58,000
Sheboygan, WI 2 $ 90,000 $ 45,000 $ 33,000
State College, PA 2 $ 50,000 $ 25,000 $ 39,000
Terre Haute, IN 2 $ 3,080,000 $ 1,540,000 $ 56,000
Watertown-Fort Drum, NY 2 $ 130,000 $ 65,000 $ 122,000
Albuquerque, NM 1 $ 55,000 $ 55,000 $ 0
Atlanta-Sandy Springs-Roswell, GA 1 $ 75,000 $ 75,000 $ 67,000
Baton Rouge, LA 1 $ 65,000 $ 65,000 $ 0
Bloomington, IL 1 $ 15,000 $ 15,000 $ 55,000
Bloomington, IN 1 $ 55,000 $ 55,000 $ 22,000
Burlington-South Burlington, VT 1 $ 125,000 $ 125,000 $ 95,000
Carbondale-Marion, IL 1 $ 95,000 $ 95,000 $ 60,000
Cedar Rapids, IA 1 $ 75,000 $ 75,000 $ 72,000
Charlotte-Concord-Gastonia, NC-SC 1 $ 25,000 $ 25,000 $ 49,000
Charlottesville, VA 1 $ 65,000 $ 65,000 $ 70,000
College Station-Bryan, TX 1 $ 65,000 $ 65,000 $ 0
Corpus Christi, TX 1 $ 55,000 $ 55,000 $ 0
Elizabethtown-Fort Knox, KY 1 $ 35,000 $ 35,000 $ 46,000
Elmira, NY 1 $ 95,000 $ 95,000 $ 60,000
Green Bay, WI 1 $ 15,000 $ 15,000 $ 13,000
Hattiesburg, MS 1 $ 55,000 $ 55,000 $ 0
Idaho Falls, ID 1 $ 55,000 $ 55,000 $ 48,000
Ithaca, NY 1 $ 45,000 $ 45,000 $ 126,000
Janesville-Beloit, WI 1 $ 45,000 $ 45,000 $ 17,000
Johnstown, PA 1 $ 105,000 $ 105,000 $ 143,000
Joplin, MO 1 $ 45,000 $ 45,000 $ 19,000
Killeen-Temple, TX 1 $ 65,000 $ 65,000 $ 0
La Crosse-Onalaska, WI-MN 1 $ 65,000 $ 65,000 $ 72,000
Lafayette, LA 1 $ 145,000 $ 145,000 $ 0
Lakeland-Winter Haven, FL 1 $ 95,000 $ 95,000 $ 77,000
Lawrence, KS 1 $ 35,000 $ 35,000 $ 49,000
Lincoln, NE 1 $ 95,000 $ 95,000 $ 80,000
Louisville/Jefferson County, KY-IN 1 $ 55,000 $ 55,000 $ 49,000
Manhattan, KS 1 $ 45,000 $ 45,000 $ 74,000
Mankato-North Mankato, MN 1 $ 85,000 $ 85,000 $ 76,000
Memphis, TN-MS-AR 1 $ 135,000 $ 135,000 $ 0
Midland, TX 1 $ 45,000 $ 45,000 $ 0
Milwaukee-Waukesha-West Allis, WI 1 $ 15,000 $ 15,000 $ 33,000
Mobile, AL 1 $ 75,000 $ 75,000 $ 0
Monroe, LA 1 $ 45,000 $ 45,000 $ 0
Naples-Immokalee-Marco Island, FL 1 $ 135,000 $ 135,000 $ 101,000
New Orleans-Metairie, LA 1 $ 55,000 $ 55,000 $ 0
Oshkosh-Neenah, WI 1 $ 35,000 $ 35,000 $ 59,000
Owensboro, KY 1 $ 85,000 $ 85,000 $ 120,000
Panama City, FL 1 $ 225,000 $ 225,000 $ 81,000
Parkersburg-Vienna, WV 1 $ 95,000 $ 95,000 $ 66,000
Peoria, IL 1 $ 25,000 $ 25,000 $ 26,000
Roanoke, VA 1 $ 75,000 $ 75,000 $ 48,000
Sioux City, IA-NE-SD 1 $ 75,000 $ 75,000 $ 74,000
Springfield, OH 1 $ 35,000 $ 35,000 $ 58,000
Texarkana, TX-AR 1 $ 95,000 $ 95,000 $ 0
The Villages, FL 1 $ 355,000 $ 355,000 $ 203,000
Tucson, AZ 1 $ 75,000 $ 75,000 $ 0
Tyler, TX 1 $ 65,000 $ 65,000 $ 0
Waterloo-Cedar Falls, IA 1 $ 55,000 $ 55,000 $ 54,000
Wausau, WI 1 $ 75,000 $ 75,000 $ 53,000
Weirton-Steubenville, WV-OH 1 $ 35,000 $ 35,000 $ 139,000
Wheeling, WV-OH 1 $ 65,000 $ 65,000 $ 131,000
Winchester, VA-WV 1 $ 95,000 $ 95,000 $ 511,000

Mortgage Loan Application Detail Totals for Centier Bank in 2019

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 3,891 $571,745,000 $146,000 $28,165,000 $76,000 $1,355,000
Home Improvement 1,017 $46,465,000 $45,000 $2,005,000 $98,000 $3,461,000
Refinancing 906 $200,260,000 $221,000 $21,255,000 $117,000 $1,902,000
Other Purpose 478 $28,740,000 $60,000 $485,000 $98,000 $1,168,000
Cash-out Refinancing 345 $66,705,000 $193,000 $1,365,000 $102,000 $925,000
Not Applicable 48 $4,110,000 $85,000 $155,000 $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 5,002 $545,740,000 $109,000 $2,965,000 $86,000 $1,902,000
Not Provided 477 $67,385,000 $141,000 $3,525,000 $146,000 $3,461,000
Hispanic 463 $42,245,000 $91,000 $625,000 $65,000 $843,000
Black or African American 441 $34,035,000 $77,000 $635,000 $60,000 $513,000
Asian 138 $16,950,000 $122,000 $945,000 $85,000 $1,355,000
Not applicable 110 $203,120,000 $1,846,000 $28,165,000 $73,000 $85,000
American Indian or Alaskan Native 22 $2,010,000 $91,000 $305,000 $86,000 $216,000
Native Hawaiian or Other Pacific Islander 1 $125,000 $125,000 $125,000 $63,000 $63,000

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) 6,348 $865,580,000 $136,000 $28,165,000 $89,000 $3,461,000
FHA-insured (Federal Housing Administration) 291 $45,215,000 $155,000 $365,000 $62,000 $186,000
VA-guaranteed (Veterans Administration) 28 $5,060,000 $180,000 $295,000 $63,000 $119,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 18 $2,170,000 $120,000 $195,000 $44,000 $63,000

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 4,267 $680,795,000 $159,000 $28,165,000 $96,000 $3,461,000
Application Approved But Not Accepted 973 $64,285,000 $66,000 $735,000 $70,000 $1,168,000
Application Denied By Financial Institution 826 $61,780,000 $74,000 $3,005,000 $64,000 $728,000
Application Withdrawn By Applicant 424 $86,550,000 $204,000 $16,315,000 $90,000 $876,000
Loan Purchased By The Institution 114 $9,330,000 $81,000 $165,000 $51,000 $51,000
File Closed For Incompleteness 81 $15,285,000 $188,000 $825,000 $108,000 $839,000
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 5,859 $856,245,000 $146,000 $28,165,000 $91,000 $3,461,000
Credit History 421 $24,615,000 $58,000 $685,000 $68,000 $513,000
Debt-To-Income Ratio 253 $22,165,000 $87,000 $805,000 $46,000 $158,000
Collateral 89 $10,005,000 $112,000 $3,005,000 $90,000 $728,000
Unverifiable Information 22 $1,550,000 $70,000 $155,000 $64,000 $180,000
Other 12 $1,610,000 $134,000 $285,000 $72,000 $178,000
Insufficient Cash (Downpayment, Closing Cost) 12 $840,000 $70,000 $105,000 $91,000 $323,000
Credit Application Incomplete 10 $570,000 $57,000 $205,000 $79,000 $159,000
Employment History 7 $425,000 $60,000 $95,000 $48,000 $110,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Centier Bank's 2019 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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