Centier Bank Mortgage Rates, Fees & Info

Whiting, IN

LEI: 549300SKTBTC2QFDKG02

Tax ID: 35-0161790

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Centier Bank is a smaller bank specializing in Home Purchase and Refi loans. Centier Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Chicago, Indianapolis, Fort Wayne, Lafayette, and Elkhart among others. We have data for 219 markets. (Some data included below & more in-depth data is available with an active subscription.)

Centier Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Centier Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
Home Equity Line of Credit (HELOC)	7.63%	4/21/24
30 Year Conventional Purchase	6.83%	4/21/24
30 Year Conventional Refi	6.57%	4/21/24
30 Year Cash-out Refi	6.78%	4/21/24
30 Year FHA Purchase	7.77%	4/21/24
30 Year FHA Refi	6.27%	4/21/24
30 Year VA Purchase	6.61%	4/21/24
30 Year USDA Purchase	7.16%	4/21/24
15 Year Conventional Purchase	7.45%	4/21/24
15 Year Conventional Refi	6.64%	4/21/24
15 Year Cash-out Refi	6.64%	4/21/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Centier Bank Mortgage Calculator

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This is not an official calculator from Centier Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.

Originations

4,261

Origination Dollar Volume (All Markets)

$659,445,000

Employee count

820

Awards

Centier Bank 30 Year Conventional Loans gold

Show all (28) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market	Originations	Total Value	Average Loan	Average Fees	Average Rate
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	1,918	$263,450,000	$137,357	$1,638	5.32%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	565	$159,155,000	$281,690	$1,974	5.11%
FORT WAYNE, IN (FHA\|USDA\|VA)	49	$27,475,000	$560,714	$1,919	5.07%
LAFAYETTE-WEST LAFAYETTE, IN (FHA\|USDA\|VA)	203	$26,185,000	$128,990	$1,578	5.18%
ELKHART-GOSHEN, IN (FHA\|USDA\|VA)	69	$23,305,000	$337,754	$1,777	5.29%
SOUTH BEND-MISHAWAKA, IN-MI (FHA\|USDA\|VA)	93	$22,595,000	$242,957	$1,410	4.95%
MICHIGAN CITY-LA PORTE, IN (FHA\|USDA\|VA)	223	$20,915,000	$93,789	$1,575	5.22%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	1	$18,005,000	$18,005,000	$0	4.75%
Frankfort, IN (FHA\|USDA\|VA)	10	$13,590,000	$1,359,000	$2,985	5.19%
Outside of Metro Areas	136	$12,980,000	$95,441	$1,835	6.39%
Plymouth, IN (FHA\|USDA\|VA)	17	$8,025,000	$472,059	$1,756	5.07%
Detroit-Warren-Dearborn, MI (FHA\|USDA\|VA)	69	$3,115,000	$45,145	$0	7.47%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	60	$2,970,000	$49,500	$0	7.24%
GRAND RAPIDS-KENTWOOD, MI (FHA\|USDA\|VA)	62	$2,850,000	$45,968	$0	7.29%
Warsaw, IN (FHA\|USDA\|VA)	14	$2,530,000	$180,714	$2,475	4.98%
KOKOMO, IN (FHA\|USDA\|VA)	24	$2,310,000	$96,250	$1,235	5.03%
MUNCIE, IN (FHA\|USDA\|VA)	5	$2,065,000	$413,000	$2,967	5.49%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	40	$1,870,000	$46,750	$0	7.50%
BLOOMINGTON, IN (FHA\|USDA\|VA)	6	$1,630,000	$271,667	$5,129	5.54%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	24	$1,570,000	$65,417	$0	7.86%
New Castle, IN (FHA\|USDA\|VA)	3	$1,525,000	$508,333	$2,404	4.83%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	3	$1,525,000	$508,333	$5,079	4.96%
FLINT, MI (FHA\|USDA\|VA)	6	$1,510,000	$251,667	$0	6.82%
NILES, MI (FHA\|USDA\|VA)	9	$1,375,000	$152,778	$2,030	6.29%
ALBANY-SCHENECTADY-TROY, NY (FHA\|USDA\|VA)	25	$1,315,000	$52,600	$0	7.92%
READING, PA (FHA\|USDA\|VA)	25	$1,175,000	$47,000	$0	7.05%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	18	$1,110,000	$61,667	$0	7.29%
PITTSBURGH, PA (FHA\|USDA\|VA)	16	$870,000	$54,375	$0	7.41%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	2	$830,000	$415,000	$2,981	5.25%
LANCASTER, PA (FHA\|USDA\|VA)	22	$830,000	$37,727	$0	7.48%
GREELEY, CO (FHA\|USDA\|VA)	17	$805,000	$47,353	$0	7.77%
ANN ARBOR, MI (FHA\|USDA\|VA)	18	$760,000	$42,222	$0	7.32%
Crawfordsville, IN (FHA\|USDA\|VA)	5	$715,000	$143,000	$2,174	5.55%
Wabash, IN (FHA\|USDA\|VA)	2	$680,000	$340,000	$0	5.75%
GRAND JUNCTION, CO (FHA\|USDA\|VA)	13	$635,000	$48,846	$0	8.24%
Glenwood Springs, CO (FHA\|USDA\|VA)	6	$570,000	$95,000	$0	8.20%
TOLEDO, OH (FHA\|USDA\|VA)	14	$550,000	$39,286	$0	7.15%
SYRACUSE, NY (FHA\|USDA\|VA)	10	$540,000	$54,000	$0	7.73%
FORT COLLINS, CO (FHA\|USDA\|VA)	11	$535,000	$48,636	$0	7.23%
LANSING-EAST LANSING, MI (FHA\|USDA\|VA)	14	$500,000	$35,714	$0	7.69%
COLUMBUS, OH (FHA\|USDA\|VA)	12	$480,000	$40,000	$0	7.25%
HARRISBURG-CARLISLE, PA (FHA\|USDA\|VA)	10	$480,000	$48,000	$0	7.50%
Angola, IN (FHA\|USDA\|VA)	1	$475,000	$475,000	$0	4.75%
Auburn, IN (FHA\|USDA\|VA)	3	$475,000	$158,333	$1,849	4.67%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	7	$465,000	$66,429	$0	7.04%
ROCHESTER, NY (FHA\|USDA\|VA)	8	$440,000	$55,000	$0	7.96%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	9	$435,000	$48,333	$0	7.22%
MORGANTOWN, WV (FHA\|USDA\|VA)	9	$435,000	$48,333	$0	7.72%
BOISE CITY, ID (FHA\|USDA\|VA)	8	$430,000	$53,750	$0	7.77%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA\|USDA\|VA)	10	$420,000	$42,000	$0	7.30%
YORK-HANOVER, PA (FHA\|USDA\|VA)	7	$395,000	$56,429	$0	7.10%
ATLANTIC CITY-HAMMONTON, NJ (FHA\|USDA\|VA)	5	$365,000	$73,000	$0	7.55%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA\|USDA\|VA)	4	$360,000	$90,000	$0	8.28%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA\|USDA\|VA)	5	$345,000	$69,000	$0	7.06%
Adrian, MI (FHA\|USDA\|VA)	8	$340,000	$42,500	$0	7.86%
CANTON-MASSILLON, OH (FHA\|USDA\|VA)	6	$330,000	$55,000	$0	7.04%
SALISBURY, MD-DE (FHA\|USDA\|VA)	5	$325,000	$65,000	$0	7.00%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA\|USDA\|VA)	8	$320,000	$40,000	$0	6.87%
BUFFALO-CHEEKTOWAGA, NY (FHA\|USDA\|VA)	5	$315,000	$63,000	$0	7.53%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	6	$310,000	$51,667	$0	7.86%
Edwards, CO (FHA\|USDA\|VA)	2	$300,000	$150,000	$0	6.80%
PUNTA GORDA, FL (FHA\|USDA\|VA)	1	$285,000	$285,000	$2,894	4.88%
BINGHAMTON, NY (FHA\|USDA\|VA)	4	$280,000	$70,000	$0	7.02%
WICHITA, KS (FHA\|USDA\|VA)	7	$275,000	$39,286	$0	7.08%
KALAMAZOO-PORTAGE, MI (FHA\|USDA\|VA)	6	$270,000	$45,000	$0	7.03%
CHAMBERSBURG-WAYNESBORO, PA (FHA\|USDA\|VA)	7	$265,000	$37,857	$0	7.40%
Kalispell, MT (FHA\|USDA\|VA)	3	$255,000	$85,000	$0	8.47%
MUSKEGON, MI (FHA\|USDA\|VA)	2	$250,000	$125,000	$2,614	6.87%
Montrose, CO (FHA\|USDA\|VA)	2	$250,000	$125,000	$0	8.50%
GETTYSBURG, PA (FHA\|USDA\|VA)	6	$250,000	$41,667	$0	7.74%
Holland, MI (FHA\|USDA\|VA)	5	$245,000	$49,000	$0	6.26%
Logansport, IN (FHA\|USDA\|VA)	2	$240,000	$120,000	$2,529	4.63%
OCEAN CITY, NJ (FHA\|USDA\|VA)	3	$235,000	$78,333	$0	7.25%
Big Stone Gap, VA (FHA\|USDA\|VA)	4	$230,000	$57,500	$0	7.90%
Hutchinson, MN (FHA\|USDA\|VA)	5	$225,000	$45,000	$0	7.54%
KANKAKEE, IL (FHA\|USDA\|VA)	3	$215,000	$71,667	$2,741	6.17%
BLOOMINGTON, IL (FHA\|USDA\|VA)	4	$210,000	$52,500	$0	8.40%
DES MOINES-WEST DES MOINES, IA (FHA\|USDA\|VA)	4	$210,000	$52,500	$0	7.80%
Outside of Metro Areas	4	$210,000	$52,500	$0	6.84%
CHARLESTON, WV (FHA\|USDA\|VA)	3	$205,000	$68,333	$0	6.78%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	5	$205,000	$41,000	$0	7.17%
STAUNTON, VA (FHA\|USDA\|VA)	3	$195,000	$65,000	$0	8.29%
JACKSONVILLE, FL (FHA\|USDA\|VA)	1	$195,000	$195,000	$3,462	4.75%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	5	$195,000	$39,000	$0	7.92%
Salem, OH (FHA\|USDA\|VA)	5	$185,000	$37,000	$0	6.72%
ST. CLOUD, MN (FHA\|USDA\|VA)	2	$180,000	$90,000	$0	6.95%
PARKERSBURG-VIENNA, WV (FHA\|USDA\|VA)	3	$175,000	$58,333	$0	7.32%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	3	$175,000	$58,333	$0	7.98%
ERIE, PA (FHA\|USDA\|VA)	5	$175,000	$35,000	$0	7.34%
WEIRTON-STEUBENVILLE, WV-OH (FHA\|USDA\|VA)	2	$170,000	$85,000	$0	7.25%
UTICA-ROME, NY (FHA\|USDA\|VA)	2	$170,000	$85,000	$0	7.25%
Kendallville, IN (FHA\|USDA\|VA)	1	$165,000	$165,000	$3,632	5.75%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	3	$165,000	$55,000	$0	7.03%
VINELAND-BRIDGETON, NJ (FHA\|USDA\|VA)	2	$160,000	$80,000	$0	6.68%
Hutchinson, KS (FHA\|USDA\|VA)	2	$160,000	$80,000	$0	7.43%
EAU CLAIRE, WI (FHA\|USDA\|VA)	3	$155,000	$51,667	$0	8.78%
Sturgis, MI (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	5.50%
LEBANON, PA (FHA\|USDA\|VA)	5	$155,000	$31,000	$0	7.68%
CAPE GIRARDEAU, MO-IL (FHA\|USDA\|VA)	3	$145,000	$48,333	$0	7.40%
Marion, IN (FHA\|USDA\|VA)	1	$145,000	$145,000	$744	4.75%
TOPEKA, KS (FHA\|USDA\|VA)	2	$140,000	$70,000	$0	8.45%
Seneca Falls, NY (FHA\|USDA\|VA)	2	$140,000	$70,000	$0	6.93%
Sikeston, MO (FHA\|USDA\|VA)	2	$140,000	$70,000	$0	7.50%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	1	$135,000	$135,000	$3,628	4.88%
SIOUX FALLS, SD (FHA\|USDA\|VA)	3	$135,000	$45,000	$0	8.65%
Hailey, ID (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	8.15%
Pottsville, PA (FHA\|USDA\|VA)	3	$135,000	$45,000	$0	7.58%
COLUMBUS, IN (FHA\|USDA\|VA)	2	$130,000	$65,000	$2,293	7.50%
WATERTOWN-FORT DRUM, NY (FHA\|USDA\|VA)	2	$130,000	$65,000	$0	7.13%
PUEBLO, CO (FHA\|USDA\|VA)	2	$130,000	$65,000	$0	6.85%
Traverse City, MI (FHA\|USDA\|VA)	3	$125,000	$41,667	$0	6.78%
SPRINGFIELD, OH (FHA\|USDA\|VA)	3	$125,000	$41,667	$0	7.87%
MONROE, MI (FHA\|USDA\|VA)	4	$120,000	$30,000	$0	7.24%
AKRON, OH (FHA\|USDA\|VA)	2	$120,000	$60,000	$0	6.88%
BILLINGS, MT (FHA\|USDA\|VA)	2	$120,000	$60,000	$0	7.25%
JACKSON, MI (FHA\|USDA\|VA)	3	$115,000	$38,333	$0	6.82%
New Philadelphia-Dover, OH (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	7.25%
JEFFERSON CITY, MO (FHA\|USDA\|VA)	2	$110,000	$55,000	$0	8.18%
SHEBOYGAN, WI (FHA\|USDA\|VA)	2	$110,000	$55,000	$0	7.74%
GRAND FORKS, ND-MN (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	7.25%
Bozeman, MT (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	5.85%
DULUTH, MN-WI (FHA\|USDA\|VA)	3	$105,000	$35,000	$0	8.38%
Fort Morgan, CO (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	6.99%
Meadville, PA (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	8.65%
BOWLING GREEN, KY (FHA\|USDA\|VA)	2	$100,000	$50,000	$0	6.73%
Lebanon, MO (FHA\|USDA\|VA)	2	$100,000	$50,000	$0	7.45%
Brainerd, MN (FHA\|USDA\|VA)	2	$100,000	$50,000	$0	7.60%
RICHMOND, VA (FHA\|USDA\|VA)	2	$100,000	$50,000	$0	7.05%
Olean, NY (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	5.85%
Auburn, NY (FHA\|USDA\|VA)	3	$95,000	$31,667	$0	7.15%
Plattsburgh, NY (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	6.35%
TERRE HAUTE, IN (FHA\|USDA\|VA)	2	$90,000	$45,000	$0	8.68%
GLENS FALLS, NY (FHA\|USDA\|VA)	2	$90,000	$45,000	$0	7.43%
KINGSTON, NY (FHA\|USDA\|VA)	2	$90,000	$45,000	$0	8.00%
IOWA CITY, IA (FHA\|USDA\|VA)	2	$90,000	$45,000	$0	7.75%
Emporia, KS (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	6.75%
Albert Lea, MN (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	7.75%
Ashtabula, OH (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	6.99%
Coffeyville, KS (FHA\|USDA\|VA)	2	$80,000	$40,000	$0	7.95%
RACINE, WI (FHA\|USDA\|VA)	2	$80,000	$40,000	$0	6.85%
Wooster, OH (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	6.99%
LAWRENCE, KS (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	7.25%
Bedford, IN (FHA\|USDA\|VA)	1	$75,000	$75,000	$3,011	5.63%
RAPID CITY, SD (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	8.40%
Mexico, MO (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	9.25%
DOVER, DE (FHA\|USDA\|VA)	3	$75,000	$25,000	$0	7.20%
Bemidji, MN (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	8.50%
CHEYENNE, WY (FHA\|USDA\|VA)	2	$70,000	$35,000	$0	8.55%
JOPLIN, MO (FHA\|USDA\|VA)	2	$70,000	$35,000	$0	7.55%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	2	$70,000	$35,000	$0	6.50%
Dickinson, ND (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	8.25%
Vermillion, SD (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	8.50%
West Plains, MO (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	6.75%
Corning, NY (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	7.50%
Hillsdale, MI (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	7.24%
Farmington, MO (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	6.75%
OWENSBORO, KY (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	6.99%
Red Wing, MN (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	6.85%
Grand Rapids, MN (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	7.50%
DAYTON-KETTERING, OH (FHA\|USDA\|VA)	2	$60,000	$30,000	$0	7.05%
CHAMPAIGN-URBANA, IL (FHA\|USDA\|VA)	2	$60,000	$30,000	$0	7.60%
Wapakoneta, OH (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	6.60%
Brookings, SD (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	7.25%
BOULDER, CO (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	6.50%
ST. JOSEPH, MO-KS (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	8.50%
Breckenridge, CO (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	7.00%
SEBRING-AVON PARK, FL (FHA\|USDA\|VA)	1	$55,000	$55,000	$1,729	5.13%
Coldwater, MI (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	6.75%
CLEVELAND-ELYRIA, OH (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	9.15%
Clarksburg, WV (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	8.10%
Zanesville, OH (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	6.75%
Ontario, OR-ID (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	7.25%
Garden City, KS (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	8.25%
Big Rapids, MI (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	6.99%
WINCHESTER, VA-WV (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	6.50%
Bluefield, WV-VA (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	6.75%
Norwalk, OH (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	7.25%
Durango, CO (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	9.24%
DUBUQUE, IA (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	8.65%
Norfolk, NE (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	7.99%
McPherson, KS (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	9.10%
STATE COLLEGE, PA (FHA\|USDA\|VA)	2	$50,000	$25,000	$0	7.12%
Spirit Lake, IA (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	6.75%
Malone, NY (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	9.50%
LEXINGTON-FAYETTE, KY (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	7.99%
ITHACA, NY (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	6.75%
Oil City, PA (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	9.25%
Portsmouth, OH (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	6.75%
Sault Ste. Marie, MI (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	6.99%
Cambridge, OH (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	6.60%
Cadillac, MI (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	6.85%
Warrensburg, MO (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	6.24%
BATTLE CREEK, MI (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	8.24%
WHEELING, WV-OH (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	6.25%
SPRINGFIELD, MO (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	9.50%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	7.85%
Bluffton, IN (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	6.60%
Van Wert, OH (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	8.10%
Salina, KS (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	8.24%
Findlay, OH (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	7.50%
FOND DU LAC, WI (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	6.60%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	6.99%
LIMA, OH (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	6.50%
Oneonta, NY (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	7.85%
Hudson, NY (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	9.35%
Celina, OH (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	8.24%
Indiana, PA (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	7.00%
Batavia, NY (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	9.00%
SCRANTON--WILKES-BARRE, PA (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	8.00%
Baraboo, WI (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	6.75%
Sunbury, PA (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	7.24%
Greensburg, IN (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	6.60%
Platteville, WI (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	9.50%
Oskaloosa, IA (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	7.10%
Muscatine, IA (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	8.50%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	1	$15,000	$15,000	$0	6.50%
Ogdensburg-Massena, NY (FHA\|USDA\|VA)	1	$15,000	$15,000	$0	7.10%
Wilmington, OH (FHA\|USDA\|VA)	1	$15,000	$15,000	$0	9.85%
Menomonie, WI (FHA\|USDA\|VA)	1	$15,000	$15,000	$0	6.85%

Centier Bank's top markets include Chicago, Indianapolis, Fort Wayne, Lafayette, and Elkhart among others.

Their top states include:

Indiana (FHA|USDA|VA)

California (FHA|USDA|VA)

Illinois (FHA|USDA|VA)

Michigan (FHA|USDA|VA)

Pennsylvania (FHA|USDA|VA)

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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	2,993	$539,675,000	$180,312	$1,396	5.73%
HELOC	988	$78,190,000	$79,140	n/a	6.14%
FHA	237	$33,745,000	$142,384	$3,848	4.52%
VA	28	$5,930,000	$211,786	$5,355	4.42%
USDA	15	$1,905,000	$127,000	$2,154	4.62%

For 2018, Centier Bank's most frequently originated type of loan was Conventional, with 2,993 originations. Their 2nd most popular type was HELOC, with 988 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	2,597	$420,885,000	$162,066	$2,210	5.85%
Home Improvement	715	$36,545,000	$51,112	$58	5.60%
Refi	543	$160,545,000	$295,663	$625	5.59%
Other	256	$16,230,000	$63,398	$389	6.03%
Cash Out Refi	150	$25,240,000	$168,267	$2,281	4.64%

For 2018, Centier Bank's most frequently cited loan purpose was Home Purchase, with 2,597 originations. The 2nd most popular reason was Home Improvement, with 715 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
20 Year	1,455	$107,175,000	$73,660	$715	6.58%
30 Year	1,207	$193,265,000	$160,120	$2,186	4.62%
15 Year	760	$45,390,000	$59,724	$1,051	6.49%
Other	450	$228,840,000	$508,533	$396	5.06%
10 Year	158	$5,440,000	$34,430	$61	5.94%
30+ year	148	$77,670,000	$524,797	$4,495	4.96%
5 Year	72	$1,520,000	$21,111	$12	5.58%
3 Year	10	$140,000	$14,000	$7	4.39%
1 Year	1	$5,000	$5,000	$0	3.74%

For 2018, Centier Bank's most frequently cited loan duration was 20 Year, with 1,455 originations. The 2nd most popular length was 30 Year, with 1,207 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	1,818	$238,990,000	$131,458
$1k-2k	230	$47,300,000	$205,652
$2k-3k	60	$16,940,000	$282,333
$3k-4k	19	$8,885,000	$467,632
$4k-5k	8	$2,870,000	$358,750
$5k+	7	$3,085,000	$440,714

Centier Bank's average total fees were $2,186, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,818 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
4-5%	1,283	$370,415,000	$288,710
6-7%	1,042	$50,380,000	$48,349
5-6%	947	$166,825,000	$176,162
3-4%	357	$39,095,000	$109,510
7-8%	341	$18,415,000	$54,003
Over 8%	282	$14,210,000	$50,390
2.5-3%	9	$105,000	$11,667

During 2018, Centier Bank's average interest rate for loans was 4.62%, while their most frequently originated rate bucket for loans was 4-5%, with 1,283 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100,000 or less	2,699	$117,115,000	$43,392	$612	6.20%
$100k-200k	931	$128,635,000	$138,169	$2,248	5.03%
$200k-400k	429	$115,705,000	$269,709	$2,940	4.91%
$400k-600k	108	$51,380,000	$475,741	$3,996	4.78%
$600k-1MM	55	$41,285,000	$750,636	$3,903	4.72%
$1MM+	39	$205,325,000	$5,264,744	$6,761	4.87%

2018 saw Centier Bank place emphasis on $100,000 or less loans with 2,699 originations, totaling $117,115,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k or less	1,267	$79,355,000	$62,632	$1,354	5.95%
$50k-75k	1,048	$85,670,000	$81,746	$1,563	5.93%
$75k-100k	678	$74,420,000	$109,764	$1,797	5.64%
$100k-150k	588	$79,170,000	$134,643	$1,873	5.55%
$150k-250k	330	$62,290,000	$188,758	$2,401	5.47%
$250k+	164	$67,890,000	$413,963	$3,272	5.20%

Centier Bank lent most frequently to those with incomes in the $50k or less range, with 1,267 originations. The second most popular income band? $50k-75k, with 1,048 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	1,126	$102,580,000	$91,101	$1,385	5.75%
30-36%	848	$94,190,000	$111,073	$1,817	5.87%
<20%	533	$53,235,000	$99,878	$1,199	5.52%
42%	262	$27,150,000	$103,626	$1,476	6.11%
41%	226	$27,370,000	$121,106	$2,038	5.94%
39%	184	$19,930,000	$108,315	$1,744	5.98%
37%	172	$17,390,000	$101,105	$1,763	6.00%
40%	153	$18,335,000	$119,837	$2,247	6.03%
36%	142	$14,110,000	$99,366	$1,534	5.84%
38%	138	$13,460,000	$97,536	$1,683	5.93%
43%	103	$12,335,000	$119,757	$2,094	5.41%
44%	57	$9,785,000	$171,667	$2,677	4.81%
45%	39	$7,105,000	$182,179	$2,317	4.77%
50-60%	37	$5,855,000	$158,243	$3,378	4.84%
>60%	27	$11,255,000	$416,852	$2,490	5.07%
46%	26	$5,710,000	$219,615	$2,991	4.95%
49%	26	$4,620,000	$177,692	$2,296	4.97%
48%	24	$5,040,000	$210,000	$2,640	4.71%
47%	24	$5,820,000	$242,500	$2,416	5.07%

Centier Bank lent most frequently to those with DTI ratios of 20-30%, with 1,126 originations. The next most common DTI ratio? 30-36%, with 848 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	3,565	$391,205,000	$109,735	$1,756	5.77%
Not applicable	106	$201,430,000	$1,900,283	$0	5.28%
Not provided	350	$40,870,000	$116,771	$1,468	5.80%
Black	155	$14,815,000	$95,581	$1,501	5.36%
Asian	47	$6,505,000	$138,404	$1,939	5.33%
Asian Indian	9	$1,975,000	$219,444	$1,477	5.43%
American Indian	18	$1,730,000	$96,111	$1,451	5.99%
Korean	1	$275,000	$275,000	$894	4.75%
Other Asian	2	$210,000	$105,000	$905	5.44%
Samoan	1	$135,000	$135,000	$3,087	4.63%
Chinese	1	$95,000	$95,000	$0	6.00%
Native Hawaiian or Islander	2	$90,000	$45,000	$0	8.37%
Guamanian	1	$45,000	$45,000	$0	5.75%
Native Hawaiian	1	$25,000	$25,000	$65	5.75%
Vietnamese	1	$25,000	$25,000	$0	6.35%
Japanese	1	$15,000	$15,000	$0	6.75%

Approval Rates

Total approvals of all applications
89.16%

Centier Bank has an average approval rate.

Pick Rate

Approvals leading to origination
64.12%

Centier Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

Points and Fees

Points	Originations	Total Value	Average Loan
0.0	21	$1,175,000	$55,952
1000.0	3	$55,000	$18,333
1009.28	1	$25,000	$25,000
1013.24	1	$85,000	$85,000
1015.0	1	$25,000	$25,000
1017.0	1	$15,000	$15,000
1018.0	1	$25,000	$25,000
1024.0	1	$25,000	$25,000
1024.37	1	$25,000	$25,000
1025.0	1	$15,000	$15,000
1028.81	1	$85,000	$85,000
1029.0	5	$95,000	$19,000
1030.37	1	$25,000	$25,000
1031.83	1	$25,000	$25,000
1032.35	1	$85,000	$85,000
1047.25	1	$25,000	$25,000
1049.0	1	$25,000	$25,000
1050.0	1	$85,000	$85,000
1052.0	4	$80,000	$20,000
1057.0	1	$25,000	$25,000
1057.22	1	$85,000	$85,000
1061.45	1	$25,000	$25,000
1081.68	1	$105,000	$105,000
1088.44	1	$85,000	$85,000
1089.0	1	$35,000	$35,000
1114.5	1	$25,000	$25,000
1116.63	1	$35,000	$35,000
11200.0	1	$305,000	$305,000
1128.0	1	$25,000	$25,000
1133.0	1	$25,000	$25,000
1140.0	1	$25,000	$25,000
1157.99	1	$95,000	$95,000
1164.04	1	$45,000	$45,000
1165.0	1	$25,000	$25,000
1169.0	1	$35,000	$35,000
1175.0	1	$25,000	$25,000
1183.24	1	$45,000	$45,000
1183.55	1	$25,000	$25,000
1184.85	1	$35,000	$35,000
1200.0	1	$25,000	$25,000
1210.0	1	$25,000	$25,000
1230.5	1	$45,000	$45,000
1252.0	2	$60,000	$30,000
1255.0	2	$50,000	$25,000
1261.72	1	$55,000	$55,000
1264.5	1	$25,000	$25,000
1265.6	1	$35,000	$35,000
1275.0	1	$25,000	$25,000
1277.43	1	$55,000	$55,000
1336.0	1	$35,000	$35,000
1341.0	1	$25,000	$25,000
1345.0	1	$25,000	$25,000
1350.0	1	$25,000	$25,000
1369.14	1	$25,000	$25,000
1370.0	1	$35,000	$35,000
1393.0	1	$25,000	$25,000
1415.0	1	$35,000	$35,000
1428.0	1	$35,000	$35,000
1435.34	1	$125,000	$125,000
1436.0	1	$35,000	$35,000
1438.1	1	$35,000	$35,000
1442.72	1	$65,000	$65,000
1450.0	1	$35,000	$35,000
1454.0	1	$35,000	$35,000
1455.0	1	$35,000	$35,000
1466.51	1	$75,000	$75,000
1472.0	1	$35,000	$35,000
1480.0	1	$35,000	$35,000
1490.0	1	$35,000	$35,000
1495.0	1	$35,000	$35,000
1496.87	1	$125,000	$125,000
1496.99	1	$75,000	$75,000
1499.0	2	$90,000	$45,000
1540.0	1	$35,000	$35,000
1549.25	1	$35,000	$35,000
1550.0	4	$150,000	$37,500
1565.0	1	$35,000	$35,000
1565.5	1	$35,000	$35,000
1600.0	4	$140,000	$35,000
1614.0	1	$35,000	$35,000
1614.44	1	$35,000	$35,000
1636.74	1	$45,000	$45,000
1664.0	1	$35,000	$35,000
1675.0	1	$35,000	$35,000
1679.85	1	$45,000	$45,000
1699.7	1	$45,000	$45,000
1700.0	5	$215,000	$43,000
1714.0	1	$35,000	$35,000
1716.89	1	$55,000	$55,000
1725.0	2	$70,000	$35,000
1744.0	1	$35,000	$35,000
1748.0	1	$55,000	$55,000
1750.0	3	$105,000	$35,000
1766.8	1	$55,000	$55,000
1791.0	1	$35,000	$35,000
1800.0	1	$45,000	$45,000
1825.0	1	$35,000	$35,000
1832.0	1	$35,000	$35,000
1834.0	1	$35,000	$35,000
1835.0	1	$35,000	$35,000
1839.52	1	$45,000	$45,000
1840.0	1	$35,000	$35,000
1846.12	1	$55,000	$55,000
1850.0	2	$80,000	$40,000
1862.0	1	$45,000	$45,000
1889.83	1	$35,000	$35,000
1898.81	1	$55,000	$55,000
1900.0	1	$45,000	$45,000
1910.0	1	$55,000	$55,000
1917.0	1	$55,000	$55,000
1932.0	1	$55,000	$55,000
1950.0	1	$45,000	$45,000
1954.0	1	$45,000	$45,000
1963.0	1	$65,000	$65,000
1990.0	1	$45,000	$45,000
1999.0	2	$190,000	$95,000
200.0	2	$190,000	$95,000
2004.9	1	$45,000	$45,000
2014.72	1	$65,000	$65,000
2030.0	1	$45,000	$45,000
2037.9	1	$65,000	$65,000
2038.0	1	$65,000	$65,000
2065.0	1	$45,000	$45,000
2100.0	3	$135,000	$45,000
2173.1	1	$65,000	$65,000
2190.0	1	$55,000	$55,000
2199.0	3	$195,000	$65,000
2200.0	8	$500,000	$62,500
2218.0	1	$75,000	$75,000
2225.0	1	$75,000	$75,000
2226.0	1	$55,000	$55,000
2235.0	1	$45,000	$45,000
2241.0	1	$65,000	$65,000
224.35	1	$25,000	$25,000
2245.0	1	$45,000	$45,000
2246.35	1	$75,000	$75,000
2249.0	1	$55,000	$55,000
2256.0	1	$45,000	$45,000
2276.97	1	$75,000	$75,000
2299.24	1	$55,000	$55,000
2300.0	1	$55,000	$55,000
2335.0	1	$55,000	$55,000
2372.0	1	$45,000	$45,000
2375.0	1	$75,000	$75,000
2390.0	1	$55,000	$55,000
2400.0	1	$55,000	$55,000
2410.0	1	$55,000	$55,000
2415.0	1	$55,000	$55,000
2416.93	1	$55,000	$55,000
2425.0	1	$55,000	$55,000
2439.0	1	$55,000	$55,000
2445.0	1	$65,000	$65,000
2454.0	1	$105,000	$105,000
2465.55	1	$55,000	$55,000
2500.0	1	$55,000	$55,000
2509.0	1	$55,000	$55,000
2530.0	1	$55,000	$55,000
2585.0	1	$65,000	$65,000
2599.0	5	$355,000	$71,000
2600.0	1	$55,000	$55,000
2632.65	1	$65,000	$65,000
2655.6	1	$55,000	$55,000
2685.0	1	$55,000	$55,000
2689.0	1	$125,000	$125,000
2695.0	1	$75,000	$75,000
2700.0	3	$265,000	$88,333
2741.69	1	$65,000	$65,000
2742.15	1	$55,000	$55,000
2749.0	1	$105,000	$105,000
2778.4	1	$55,000	$55,000
2800.0	1	$55,000	$55,000
2817.0	1	$55,000	$55,000
2841.0	1	$65,000	$65,000
2850.0	3	$205,000	$68,333
286.71	1	$25,000	$25,000
2900.0	1	$65,000	$65,000
2950.0	1	$75,000	$75,000
2951.0	1	$65,000	$65,000
2960.61	1	$115,000	$115,000
3000.0	12	$1,000,000	$83,333
3007.0	1	$65,000	$65,000
301.68	1	$35,000	$35,000
3027.0	1	$65,000	$65,000
3050.0	1	$85,000	$85,000
3074.55	1	$75,000	$75,000
3080.0	1	$125,000	$125,000
3085.0	2	$150,000	$75,000
3087.0	9	$685,000	$76,111
3090.0	1	$85,000	$85,000
3116.0	1	$85,000	$85,000
3155.0	8	$730,000	$91,250
3175.0	1	$75,000	$75,000
3185.0	1	$125,000	$125,000
3420.0	1	$115,000	$115,000
3455.0	1	$85,000	$85,000
3700.0	1	$165,000	$165,000
389.0	1	$15,000	$15,000
390.0	1	$15,000	$15,000
400.0	2	$50,000	$25,000
413.72	1	$25,000	$25,000
4200.0	1	$95,000	$95,000
425.0	1	$25,000	$25,000
426.69	1	$25,000	$25,000
428.0	1	$25,000	$25,000
429.0	1	$25,000	$25,000
444.14	1	$25,000	$25,000
450.0	4	$100,000	$25,000
450.06	1	$25,000	$25,000
454.01	1	$25,000	$25,000
454.8	1	$25,000	$25,000
456.5	1	$25,000	$25,000
4580.0	1	$155,000	$155,000
462.89	1	$25,000	$25,000
465.19	1	$25,000	$25,000
470.0	1	$25,000	$25,000
482.0	1	$25,000	$25,000
483.19	1	$25,000	$25,000
489.0	1	$25,000	$25,000
490.0	1	$25,000	$25,000
493.54	1	$25,000	$25,000
4950.0	1	$125,000	$125,000
495.18	1	$25,000	$25,000
500.0	2	$70,000	$35,000
502.03	1	$35,000	$35,000
510.0	1	$35,000	$35,000
5100.0	1	$145,000	$145,000
521.39	1	$35,000	$35,000
524.0	1	$35,000	$35,000
5250.0	1	$185,000	$185,000
527.0	1	$35,000	$35,000
530.44	1	$35,000	$35,000
533.09	1	$35,000	$35,000
536.16	1	$35,000	$35,000
536.67	1	$35,000	$35,000
537.5	1	$35,000	$35,000
539.44	1	$35,000	$35,000
546.5	1	$35,000	$35,000
556.79	1	$35,000	$35,000
560.0	1	$35,000	$35,000
570.0	1	$35,000	$35,000
577.55	1	$35,000	$35,000
590.0	2	$70,000	$35,000
600.0	1	$45,000	$45,000
606.97	1	$45,000	$45,000
624.0	1	$45,000	$45,000
634.0	1	$45,000	$45,000
650.0	1	$45,000	$45,000
651.95	1	$45,000	$45,000
653.68	1	$45,000	$45,000
660.0	1	$45,000	$45,000
661.84	1	$45,000	$45,000
674.39	1	$45,000	$45,000
692.44	1	$45,000	$45,000
696.94	1	$45,000	$45,000
700.0	1	$55,000	$55,000
715.24	1	$55,000	$55,000
719.55	1	$55,000	$55,000
719.75	1	$55,000	$55,000
720.0	1	$15,000	$15,000
722.0	1	$55,000	$55,000
722.36	1	$55,000	$55,000
729.71	1	$55,000	$55,000
734.0	1	$55,000	$55,000
741.68	1	$55,000	$55,000
744.0	1	$55,000	$55,000
749.0	600	$30,090,000	$50,150
754.5	1	$55,000	$55,000
757.75	1	$55,000	$55,000
763.54	1	$55,000	$55,000
770.78	1	$55,000	$55,000
773.59	1	$55,000	$55,000
781.64	1	$55,000	$55,000
788.6	1	$55,000	$55,000
792.11	1	$55,000	$55,000
800.0	2	$90,000	$45,000
809.9	1	$65,000	$65,000
830.0	1	$65,000	$65,000
845.57	1	$65,000	$65,000
850.0	1	$65,000	$65,000
888.27	1	$15,000	$15,000
892.82	1	$65,000	$65,000
905.17	1	$15,000	$15,000
909.82	1	$15,000	$15,000
922.84	1	$75,000	$75,000
928.83	1	$75,000	$75,000
935.6	1	$75,000	$75,000
978.31	1	$75,000	$75,000
992.91	1	$75,000	$75,000
NA	3,273	$608,715,000	$185,981

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Site-Built	54	$192,200,000	$3,559,259
Single Family (1-4 Units):Manufactured	997	$51,515,000	$51,670
Single Family (1-4 Units):Site-Built	3,210	$415,730,000	$129,511

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	565	$67,255,000	$119,035	$522	5.78%
40-60%	299	$68,175,000	$228,010	$1,764	5.54%
60-80%	1,003	$252,935,000	$252,178	$2,011	5.71%
80-100%	1,531	$234,425,000	$153,119	$2,586	5.82%
Over 100%	10	$2,110,000	$211,000	$7,903	4.77%
Under 20%	853	$34,545,000	$40,498	$50	5.71%

Complaints

Bank Name	Product	Issue	2018 CPFB Complaints	% of Total Issues
CENTRAL BANC MORTGAGE CORPORATION	Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	1	100.0%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Centier Bank	1 N. Pennsylvania Street Indianapolis, IN 46204	Full Service B&M	$68,777
Centier Bank	1020a Sagamore Park Center West Lafayette, IN 47906	Full Service B&M	$35,930
Centier Bank	103 Broadway Chesterton, IN 46304	Full Service B&M	$118,245
Centier Bank	10315 Dupont Circle Drive West Fort Wayne, IN 46825	Full Service B&M	$31,273
Centier Bank	104 Grant Street Chesterton, IN 46304	Limited, Drive-thru	$0
Centier Bank	108 North Main Street South Bend, IN 46601	Full Service B&M	$3,249
Centier Bank	10851 Broadway Crown Point, IN 46307	Full Service Retail	$16,140
Centier Bank	1121 Sheffield Avenue Dyer, IN 46311	Full Service B&M	$96,278
Centier Bank	11684 Allisonville Road Fishers, IN 46038	Full Service B&M	$1
Centier Bank	117 East Joliet Street Crown Point, IN 46307	Full Service B&M	$217,876
Centier Bank	1276 North Main Street Crown Point, IN 46307	Full Service B&M	$59,011
Centier Bank	150 West Lincolnway Valparaiso, IN 46383	Full Service B&M	$140,494
Centier Bank	1500 - 119th Street Whiting, IN 46394	Full Service B&M	$83,735
Centier Bank	1501 South Court Street Crown Point, IN 46307	Full Service B&M	$45,538
Centier Bank	1515 Us Highway 41 Schererville, IN 46375	Full Service Retail	$4,516
Centier Bank	1600 South Calumet Road Chesterton, IN 46304	Full Service B&M	$50,761
Centier Bank	1605 Calumet Avenue Valparaiso, IN 46383	Full Service Retail	$26,373
Centier Bank	1716 Elkhart Road Goshen, IN 46526	Full Service B&M	$878
Centier Bank	1802 North Calumet Avenue Valparaiso, IN 46383	Full Service B&M	$84,898
Centier Bank	1914 East Commercial Avenue Lowell, IN 46356	Full Service B&M	$102,485
Centier Bank	1921 Veterans Memorial Parkway South Lafayette, IN 47909	Full Service B&M	$9,620
Centier Bank	255 East Day Road Mishawaka, IN 46545	Full Service B&M	$22,293
Centier Bank	2635 169th Street Hammond, IN 46323	Full Service Retail	$4,237
Centier Bank	2636 U.S. 52 West Lafayette, IN 47906	Full Service Retail	$4,034
Centier Bank	2707 Laporte Avenue Valparaiso, IN 46383	Full Service B&M	$34,095
Centier Bank	3002 East State Road 32 Westfield, IN 46074	Full Service B&M	$3,629
Centier Bank	303 Cr 17 Elkhart, IN 46516	Full Service B&M	$14,630
Centier Bank	3198 East 81st Avenue Hobart, IN 46342	Full Service B&M	$28,412
Centier Bank	3220 Willowcreek Road Portage, IN 46368	Full Service B&M	$77,951
Centier Bank	323 Columbia Street Lafayette, IN 47901	Full Service B&M	$69,181
Centier Bank	3303 Pines Village Circle Valparaiso, IN 46383	Limited, Mobile/Seasonal Office	$0
Centier Bank	360 Morthland Drive Valparaiso, IN 46383	Full Service B&M	$70,262
Centier Bank	3600 North Portage Road South Bend, IN 46628	Full Service Retail	$256
Centier Bank	390 West U.S. Highway 6 Valparaiso, IN 46385	Full Service B&M	$36,798
Centier Bank	433 Main Street Hobart, IN 46342	Full Service B&M	$94,117
Centier Bank	4883 Broadway Gary, IN 46409	Full Service B&M	$5,434
Centier Bank	5 Executive Drive Suite A Lafayette, IN 47905	Full Service B&M	$4,757
Centier Bank	50 North Ford Road Zionsville, IN 46077	Full Service B&M	$11,886
Centier Bank	500 North Broad Street Griffith, IN 46319	Full Service B&M	$84,475
Centier Bank	504 Broadway Gary, IN 46402	Full Service B&M	$35,753
Centier Bank	5191 West Lincoln Highway Crown Point, IN 46307	Full Service B&M	$71,310
Centier Bank	537 North Oak Road Plymouth, IN 46563	Full Service B&M	$29,505
Centier Bank	5433 Hohman Avenue Hammond, IN 46320	Full Service B&M	$17,413
Centier Bank	568 East Carmel Drive Carmel, IN 46032	Full Service B&M	$61,449
Centier Bank	6001 Broadway Merrillville, IN 46410	Full Service Retail	$14,246
Centier Bank	6046 Central Ave Portage, IN 46368	Full Service Retail	$25,452
Centier Bank	650 South Lake Street Gary, IN 46403	Full Service B&M	$9,913
Centier Bank	6650 Whitestown Parkway Zionsville, IN 46077	Full Service Retail	$2,652
Centier Bank	7108 Gumwood Road Granger, IN 46530	Full Service B&M	$1,611
Centier Bank	720 West 145th Street East Chicago, IN 46312	Full Service B&M	$9,555
Centier Bank	73 Pine Lake Avenue Laporte, IN 46350	Full Service B&M	$38,850
Centier Bank	7760 E 37th Ave Hobart, IN 46342	Full Service Retail	$19,728
Centier Bank	8020 E. 109th Ave Crown Point, IN 46307	Full Service B&M	$120,001
Centier Bank	8310 Broadway Merrillville, IN 46410	Full Service B&M	$665,404
Centier Bank	9102 Indianapolis Blvd Highland, IN 46322	Full Service B&M	$39,429
Centier Bank	9151 Wicker Avenue Saint John, IN 46373	Full Service B&M	$128,303
Centier Bank	9701 Indianapolis Boulevard Highland, IN 46322	Full Service B&M	$182,293
Centier Bank	9704 Lincoln Plaza Center Cedar Lake, IN 46303	Full Service Retail	$17,481
Centier Bank	9716 Wihte Oak Avenue Munster, IN 46321	Full Service B&M	$48,815
Centier Bank	9825 Wicker Avenue Saint John, IN 46373	Full Service Retail	$18,706

For 2018, Centier Bank had 60 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$174,784
Net interest income	$149,410
Total noninterest income	$45,571
Gross Fiduciary activities income	$4,218
Service charges on deposit accounts	$15,640
Trading account gains and fees	$0
Additional Noninterest Income	$25,713
Pre-tax net operating income	$74,752
Securities gains (or losses, -)	$-493
Income before extraordinary items	$57,146
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$57,146
Minority interest net income	$0
Net income	$57,146
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$57,535

Centier Bank's gross interest income from loans was $174,784,000.
Centier Bank's net interest income from loans was $149,410,000.
Centier Bank's fee based income from loans was $15,640,000.
Centier Bank's net income from loans was $57,146,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$25,374
Provision for credit losses	$8,300
Total noninterest expense	$111,929
Salaries and employee benefits	$63,303
Premises and equipment expense	$16,916
Additional noninterest expense	$31,710
Applicable income taxes	$17,113
Net charge-offs	$4,216
Cash dividends	$11,968

Centier Bank's interest expense for loans was $25,374,000.
Centier Bank's payroll and benefits expense were $63,303,000.
Centier Bank's property, plant and equipment expenses $16,916,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	0.0%
Real Estate loans	0.0%
Construction & Land Development loans	0.0%
Nonfarm, nonresidential loans	0.0%
Multifamily residential loans	0.0%
1-4 family residential loans	0.0%
HELOC loans	0.0%
All other family	0.0%
Commercial & industrial loans	0.0%
Personal loans	0.0%
Credit card loans	0.0%
Other individual loans	0.0%
Auto loans	0.0%
Other consumer loans	0.0%
Unsecured commercial real estate loans	0.0%

Deposits

Type	Value (in 000's)
Total deposits	$3,546,279
Deposits held in domestic offices	$3,546,279
Deposits by Individuals, partnerships, and corporations	$2,983,376
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$436,658
Deposits by Commercial banks and other depository institutions in U.S.	$126,245
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$910,845
Demand deposits	$545,734
Nontransaction accounts	$2,635,434
Money market deposit accounts (MMDAs)	$179,939
Other savings deposits (excluding MMDAs)	$1,650,725
Total time deposits	$804,770
Total time and savings deposits	$3,000,545
Noninterest-bearing deposits	$812,016
Interest-bearing deposits	$2,734,263
Retail deposits	$3,029,273
IRAs and Keogh plan accounts	$90,711
Brokered deposits	$377,165
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$4,426,972
Cash & Balances due from depository institutions	$135,783
Interest-bearing balances	$77,734
Total securities	$384,703
Federal funds sold & reverse repurchase	$0
Net loans and leases	$3,760,244
Loan and leases loss allowance	$39,993
Trading account assets	$0
Bank premises and fixed assets	$34,249
Other real estate owned	$18,369
Goodwill and other intangibles	$4,749
All other assets	$88,875

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$4,426,972
Total Liabilities	$4,004,839
Total deposits	$3,546,279
Interest-bearing deposits	$2,734,263
Deposits held in domestic offices	$3,546,279
% insured (estimated)	$68
Federal funds purchased and repurchase agreements	$19,558
Trading liabilities	$0
Other borrowed funds	$405,000
Subordinated debt	$0
All other liabilities	$34,002

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$3,760,244
Loan and leases loss allowance	$39,993
Total loans and leases (domestic)	$3,800,237
All real estate loans	$3,125,751
Real estate loans in domestic offices	$3,125,751
Construction and development loans	$364,709
Residential 1-4 family construction	$75,539
Other construction, all land development and other land	$289,170
Loans secured by nonfarm nonresidential properties	$1,395,172
Nonfarm nonresidential secured by owner-occupied properties	$318,089
Commercial real estate & other non-farm, non-residential	$1,077,083
Multifamily residential real estate	$377,744
1-4 family residential loans	$986,426
Farmland loans	$1,700
Loans held in foreign offices	$0
Farm loans	$307
Commercial and industrial loans	$253,133
To non-U.S. addressees	$0
Loans to individuals	$69,077
Credit card loans	$0
Related Plans	$0
Consumer Auto Loans	$6,833
Other loans to individuals	$62,244
All other loans & leases	$351,969
Loans to foreign governments and official institutions	$0
Other loans	$310,400
Loans to depository institutions and acceptances of other banks	$0
Loans not secured by real estate	$0
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$1,441
Non 1-4 family restructured loans & leases	$638
Total loans and leases (foreign)	$0

Centier Bank had $3,760,244,000 of loans outstanding in 2018. $3,125,751,000 of loans were in real estate loans. $364,709,000 of loans were in development loans. $377,744,000 of loans were in multifamily mortgage loans. $986,426,000 of loans were in 1-4 family mortgage loans. $307,000 of loans were in farm loans. $0 of loans were in credit card loans. $6,833,000 of loans were in the auto loan category.

Small Business Loans

Categorization	# of Loans in Category	$ amount of loans (in 000's)	Average $/loan
Nonfarm, nonresidential loans - <$1MM	768	$170,463	$221,957
Nonfarm, nonresidential loans - <$100k	196	$7,518	$38,357
Nonfarm, nonresidential loans - $100-250k	244	$29,635	$121,455
Nonfarm, nonresidential loans - $250k-1MM	328	$133,310	$406,433
Commercial & Industrial, US addressed loans - <$1MM	711	$60,375	$84,916
Commercial & Industrial, US addressed loans - <$100k	464	$11,096	$23,914
Commercial & Industrial, US addressed loans - $100-250k	122	$13,750	$112,705
Commercial & Industrial, US addressed loans - $250k-1MM	125	$35,529	$284,232
Farmland loans - <$1MM	8	$1,700	$212,500
Farmland loans - <$100k	4	$167	$41,750
Farmland loans - $100-250k	1	$177	$177,000
Farmland loans - $250k-1MM	3	$1,356	$452,000
Agriculture operations loans - <$1MM	4	$307	$76,750
Agriculture operations loans - <$100k	3	$197	$65,667
Agriculture operations loans - $100-250k	1	$110	$110,000