Centier Bank Mortgage Rates, Fees & Info
Whiting, INLEI: 549300SKTBTC2QFDKG02
Tax ID: 35-0161790
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Bank 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.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 7.63% | 12/17/24 |
| 30 Year Conventional Purchase | 6.83% | 12/17/24 |
| 30 Year Conventional Refi | 6.57% | 12/17/24 |
| 30 Year Cash-out Refi | 6.78% | 12/17/24 |
| 30 Year FHA Purchase | 7.77% | 12/17/24 |
| 30 Year FHA Refi | 6.27% | 12/17/24 |
| 30 Year VA Purchase | 6.61% | 12/17/24 |
| 30 Year USDA Purchase | 7.16% | 12/17/24 |
| 15 Year Conventional Purchase | 7.45% | 12/17/24 |
| 15 Year Conventional Refi | 6.64% | 12/17/24 |
| 15 Year Cash-out Refi | 6.64% | 12/17/24 |
| 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
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
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
4,261Origination Dollar Volume (All Markets)
$659,445,000Employee count
820Awards
×
![]()
Centier Bank - 2018
Centier Bank is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
Work for Centier Bank?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
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% |
Similar Lenders
We use machine learning to identify the top lenders compared against Centier Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
UNITED
Similarity Rank: 28
Similarity Rank: 28
Fire Police City County Federal Credit Union
Similarity Rank: 48
Similarity Rank: 48
The Garrett State Bank
Similarity Rank: 48
Similarity Rank: 48
Liberty Bank for Savings
Similarity Rank: 104
Similarity Rank: 104
Security Federal Savings Bank
Similarity Rank: 208
Similarity Rank: 208
Greenfield Banking Company
Similarity Rank: 255
Similarity Rank: 255
Hendricks County Bank and Trust Company
Similarity Rank: 393
Similarity Rank: 393
PACIFIC GLOBAL BANK
Similarity Rank: 408
Similarity Rank: 408
INTERRA CREDIT UNION
Similarity Rank: 416
Similarity Rank: 416
INDIANA UNIVERSITY CREDIT UNION
Similarity Rank: 450
Similarity Rank: 450
Product Mix
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
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
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
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
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
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
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
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
Approval Rates
Total approvals of all applications89.16%
Centier Bank has an average approval rate.
Pick Rate
Approvals leading to origination64.12%
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
LTV Distribution
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 |