Centier Bank Mortgage Rates, Fees & Info
Whiting, INLEI: 549300SKTBTC2QFDKG02
Tax ID: 35-0161790
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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 a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Chicago, Indianapolis, Lafayette, Michigan City, and Elkhart among others. We have data for 196 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.
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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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
5,093Origination Dollar Volume (All Markets)
$854,165,000Employee count
881Awards
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Centier Bank - 2020
Centier Bank is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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) | 2,519 | $460,865,000 | $182,956 | $2,555 | 3.90% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 760 | $137,880,000 | $181,421 | $2,159 | 3.91% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 284 | $64,110,000 | $225,739 | $2,405 | 3.80% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 291 | $34,105,000 | $117,199 | $2,134 | 3.87% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 101 | $18,765,000 | $185,792 | $1,111 | 4.57% |
| Outside of Metro Areas | 144 | $17,760,000 | $123,333 | $2,484 | 5.04% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 113 | $14,945,000 | $132,257 | $1,964 | 4.15% |
| FORT WAYNE, IN (FHA|USDA|VA) | 77 | $13,025,000 | $169,156 | $2,064 | 3.73% |
| Plymouth, IN (FHA|USDA|VA) | 25 | $11,145,000 | $445,800 | $3,126 | 4.09% |
| Frankfort, IN (FHA|USDA|VA) | 14 | $9,120,000 | $651,429 | $2,299 | 3.67% |
| Angola, IN (FHA|USDA|VA) | 6 | $5,050,000 | $841,667 | $4,929 | 3.38% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $4,005,000 | $4,005,000 | $0 | 3.99% |
| Warsaw, IN (FHA|USDA|VA) | 17 | $3,995,000 | $235,000 | $2,702 | 3.36% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $3,210,000 | $1,605,000 | $1,844 | 3.56% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 53 | $3,155,000 | $59,528 | $2,320 | 6.80% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 59 | $3,085,000 | $52,288 | $3,324 | 6.82% |
| NILES, MI (FHA|USDA|VA) | 14 | $2,550,000 | $182,143 | $3,101 | 4.54% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 39 | $2,045,000 | $52,436 | $0 | 6.82% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 35 | $1,895,000 | $54,143 | $0 | 6.67% |
| Auburn, IN (FHA|USDA|VA) | 11 | $1,735,000 | $157,727 | $2,449 | 3.24% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $1,705,000 | $568,333 | $5,192 | 3.25% |
| Crawfordsville, IN (FHA|USDA|VA) | 8 | $1,680,000 | $210,000 | $3,627 | 3.57% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 4 | $1,320,000 | $330,000 | $3,339 | 3.59% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 18 | $1,210,000 | $67,222 | $0 | 6.82% |
| El Dorado, AR (FHA|USDA|VA) | 1 | $1,205,000 | $1,205,000 | $0 | 4.00% |
| MUNCIE, IN (FHA|USDA|VA) | 5 | $1,205,000 | $241,000 | $2,539 | 4.47% |
| New Castle, IN (FHA|USDA|VA) | 2 | $1,160,000 | $580,000 | $6,881 | 3.94% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 15 | $1,065,000 | $71,000 | $0 | 6.98% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $1,000,000 | $500,000 | $4,758 | 3.38% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $995,000 | $995,000 | $12,568 | 3.25% |
| COLUMBUS, OH (FHA|USDA|VA) | 11 | $925,000 | $84,091 | $7,993 | 5.62% |
| GREELEY, CO (FHA|USDA|VA) | 11 | $785,000 | $71,364 | $0 | 6.81% |
| ANN ARBOR, MI (FHA|USDA|VA) | 12 | $710,000 | $59,167 | $0 | 7.21% |
| Holland, MI (FHA|USDA|VA) | 7 | $645,000 | $92,143 | $3,582 | 6.88% |
| KOKOMO, IN (FHA|USDA|VA) | 5 | $635,000 | $127,000 | $2,434 | 3.35% |
| READING, PA (FHA|USDA|VA) | 12 | $560,000 | $46,667 | $0 | 7.31% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $4,888 | 3.00% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 5 | $485,000 | $97,000 | $2,497 | 3.80% |
| MONROE, MI (FHA|USDA|VA) | 11 | $465,000 | $42,273 | $0 | 6.99% |
| Kendallville, IN (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $1,837 | 2.88% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 11 | $465,000 | $42,273 | $0 | 6.50% |
| LANCASTER, PA (FHA|USDA|VA) | 10 | $460,000 | $46,000 | $0 | 6.70% |
| PITTSBURGH, PA (FHA|USDA|VA) | 7 | $455,000 | $65,000 | $0 | 6.71% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 9 | $455,000 | $50,556 | $0 | 7.53% |
| COLUMBUS, IN (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $1,799 | 3.42% |
| TOLEDO, OH (FHA|USDA|VA) | 12 | $430,000 | $35,833 | $0 | 6.69% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 8 | $410,000 | $51,250 | $0 | 6.62% |
| KANKAKEE, IL (FHA|USDA|VA) | 4 | $400,000 | $100,000 | $3,603 | 5.31% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 7 | $395,000 | $56,429 | $0 | 6.83% |
| Traverse City, MI (FHA|USDA|VA) | 4 | $390,000 | $97,500 | $2,706 | 5.45% |
| BOISE CITY, ID (FHA|USDA|VA) | 6 | $370,000 | $61,667 | $0 | 7.75% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 6 | $360,000 | $60,000 | $0 | 7.22% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 8 | $350,000 | $43,750 | $0 | 7.12% |
| Decatur, IN (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,067 | 3.19% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 5 | $335,000 | $67,000 | $0 | 6.16% |
| Palatka, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $7,172 | 2.88% |
| FLINT, MI (FHA|USDA|VA) | 7 | $325,000 | $46,429 | $0 | 6.61% |
| FORT COLLINS, CO (FHA|USDA|VA) | 5 | $325,000 | $65,000 | $0 | 6.71% |
| Outside of Metro Areas | 4 | $320,000 | $80,000 | $0 | 7.34% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,458 | 3.00% |
| Logansport, IN (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $1,922 | 4.17% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 6 | $290,000 | $48,333 | $0 | 6.17% |
| Bedford, IN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $1,382 | 3.00% |
| Huntington, IN (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,224 | 4.80% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 4 | $280,000 | $70,000 | $0 | 6.68% |
| DULUTH, MN-WI (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $0 | 7.26% |
| MORGANTOWN, WV (FHA|USDA|VA) | 5 | $275,000 | $55,000 | $0 | 7.66% |
| Glenwood Springs, CO (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $0 | 7.58% |
| WICHITA, KS (FHA|USDA|VA) | 5 | $265,000 | $53,000 | $0 | 7.22% |
| Sikeston, MO (FHA|USDA|VA) | 4 | $250,000 | $62,500 | $0 | 8.19% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 8 | $250,000 | $31,250 | $0 | 7.14% |
| IOWA CITY, IA (FHA|USDA|VA) | 4 | $250,000 | $62,500 | $0 | 6.74% |
| Baraboo, WI (FHA|USDA|VA) | 4 | $250,000 | $62,500 | $0 | 7.05% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 5 | $225,000 | $45,000 | $0 | 6.73% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 5 | $225,000 | $45,000 | $0 | 8.02% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 6 | $220,000 | $36,667 | $0 | 7.02% |
| Wabash, IN (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $2,675 | 3.44% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 4 | $220,000 | $55,000 | $0 | 6.91% |
| Adrian, MI (FHA|USDA|VA) | 5 | $215,000 | $43,000 | $0 | 7.45% |
| Warrensburg, MO (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 6.18% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 3 | $205,000 | $68,333 | $0 | 7.07% |
| LEBANON, PA (FHA|USDA|VA) | 5 | $205,000 | $41,000 | $0 | 7.68% |
| WHEELING, WV-OH (FHA|USDA|VA) | 3 | $205,000 | $68,333 | $0 | 6.63% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 6.92% |
| Hutchinson, MN (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 7.25% |
| GETTYSBURG, PA (FHA|USDA|VA) | 4 | $190,000 | $47,500 | $0 | 6.55% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,647 | 4.13% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 5 | $185,000 | $37,000 | $0 | 6.59% |
| Ludington, MI (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 6.67% |
| BILLINGS, MT (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 6.68% |
| Zanesville, OH (FHA|USDA|VA) | 3 | $175,000 | $58,333 | $0 | 7.15% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 3 | $175,000 | $58,333 | $0 | 6.82% |
| Madison, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,052 | 2.88% |
| STAUNTON, VA (FHA|USDA|VA) | 4 | $160,000 | $40,000 | $0 | 7.81% |
| Quincy, IL-MO (FHA|USDA|VA) | 3 | $155,000 | $51,667 | $0 | 7.36% |
| MUSKEGON, MI (FHA|USDA|VA) | 4 | $150,000 | $37,500 | $0 | 7.10% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 4 | $150,000 | $37,500 | $0 | 7.67% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 6.68% |
| London, KY (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 7.97% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 4 | $150,000 | $37,500 | $0 | 7.02% |
| APPLETON, WI (FHA|USDA|VA) | 3 | $145,000 | $48,333 | $0 | 6.88% |
| Sunbury, PA (FHA|USDA|VA) | 3 | $145,000 | $48,333 | $0 | 6.27% |
| DOVER, DE (FHA|USDA|VA) | 3 | $145,000 | $48,333 | $0 | 6.65% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 7.25% |
| Bozeman, MT (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 6.23% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 3 | $135,000 | $45,000 | $0 | 6.65% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 6.99% |
| Montrose, CO (FHA|USDA|VA) | 3 | $135,000 | $45,000 | $0 | 7.92% |
| RAPID CITY, SD (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 7.48% |
| MANHATTAN, KS (FHA|USDA|VA) | 3 | $125,000 | $41,667 | $0 | 8.00% |
| Salem, OH (FHA|USDA|VA) | 3 | $125,000 | $41,667 | $0 | 6.15% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 5.70% |
| RACINE, WI (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 8.15% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 6.93% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 7.62% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 7.55% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 6.73% |
| Menomonie, WI (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 6.85% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 7.17% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 7.47% |
| Edwards, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.25% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.75% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 7.73% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 9.00% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 6.50% |
| POCATELLO, ID (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 9.20% |
| Beaver Dam, WI (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 7.58% |
| Lebanon, MO (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 6.80% |
| ST. CLOUD, MN (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 7.05% |
| Sterling, CO (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.85% |
| Muscatine, IA (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 6.98% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 7.23% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.25% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.25% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.85% |
| North Vernon, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,439 | 3.25% |
| AKRON, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.75% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.35% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,492 | 3.13% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $0 | 6.63% |
| DUBUQUE, IA (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $0 | 6.80% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $0 | 6.35% |
| Scottsbluff, NE (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.10% |
| Dixon, IL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 7.99% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 5.70% |
| Ottumwa, IA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.35% |
| Farmington, MO (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.75% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,288 | 4.00% |
| Marietta, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.25% |
| Chillicothe, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.35% |
| Marshall, MO (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 9.35% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 2 | $60,000 | $30,000 | $0 | 6.70% |
| Atchison, KS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.70% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.35% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.99% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.99% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.99% |
| Point Pleasant, WV-OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.10% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.60% |
| Pittsburg, KS (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.25% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.10% |
| Brookings, SD (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.50% |
| Somerset, KY (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.60% |
| Meadville, PA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.60% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 9.05% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.35% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.85% |
| BINGHAMTON, NY (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.25% |
| Bemidji, MN (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.99% |
| Gillette, WY (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.99% |
| Barre, VT (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.75% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.85% |
| Hillsdale, MI (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.10% |
| AMES, IA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.25% |
| MANKATO, MN (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.45% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.35% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.75% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.10% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.35% |
| WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.25% |
| Huntingdon, PA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.99% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 5.85% |
| Bellefontaine, OH (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.99% |
| Williston, ND (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.50% |
| Wooster, OH (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.35% |
| MADISON, WI (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.60% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 8.05% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 6.60% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 6.75% |
| Somerset, PA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 10.10% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 7.35% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.85% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 6.75% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 9.80% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 5.60% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 6.50% |
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Product Mix
For 2020, Centier Bank's most frequently originated type of loan was Conventional, with 3,863 originations. Their 2nd most popular type was HELOC, with 1,037 originations.
Loan Reason
For 2020, Centier Bank's most frequently cited loan purpose was Home Purchase, with 2,203 originations. The 2nd most popular reason was Refi, with 1,527 originations.
Loan Duration/Length
For 2020, Centier Bank's most frequently cited loan duration was 30 Year, with 1,969 originations. The 2nd most popular length was 20 Year, with 1,761 originations.
Origination Fees/Closing Costs
Centier Bank's average total fees were $2,655, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,982 originations.
Interest Rates
During 2020, Centier Bank's average interest rate for loans was 3.35%, while their most frequently originated rate bucket for loans was 3-4%, with 2,011 originations.
Loan Sizing
2020 saw Centier Bank place emphasis on $100,000 or less loans with 2,267 originations, totaling $111,575,000 in origination value.
Applicant Income
Centier Bank lent most frequently to those with incomes in the $50k or less range, with 1,244 originations. The second most popular income band? $50k-75k, with 1,220 originations.
Applicant Debt to Income Ratio
Centier Bank lent most frequently to those with DTI ratios of 20-30%, with 1,411 originations. The next most common DTI ratio? 30-36%, with 1,041 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications87.33%
Centier Bank has an average approval rate.
Pick Rate
Approvals leading to origination66.37%
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 | 9 | $445,000 | $49,444 |
| 1022.0 | 1 | $25,000 | $25,000 |
| 1057.0 | 1 | $25,000 | $25,000 |
| 1066.17 | 1 | $45,000 | $45,000 |
| 1078.03 | 1 | $35,000 | $35,000 |
| 1099.0 | 2 | $40,000 | $20,000 |
| 1099.61 | 1 | $85,000 | $85,000 |
| 1100.0 | 1 | $25,000 | $25,000 |
| 1105.88 | 1 | $35,000 | $35,000 |
| 1111.11 | 1 | $45,000 | $45,000 |
| 1117.35 | 1 | $35,000 | $35,000 |
| 1153.04 | 1 | $95,000 | $95,000 |
| 1162.06 | 1 | $45,000 | $45,000 |
| 1162.72 | 1 | $45,000 | $45,000 |
| 1191.87 | 1 | $45,000 | $45,000 |
| 1214.59 | 1 | $45,000 | $45,000 |
| 1235.0 | 1 | $25,000 | $25,000 |
| 1238.34 | 1 | $55,000 | $55,000 |
| 1240.07 | 1 | $45,000 | $45,000 |
| 1247.58 | 1 | $45,000 | $45,000 |
| 1250.0 | 2 | $50,000 | $25,000 |
| 1251.49 | 1 | $55,000 | $55,000 |
| 1265.75 | 1 | $55,000 | $55,000 |
| 1271.6 | 1 | $55,000 | $55,000 |
| 1280.0 | 1 | $55,000 | $55,000 |
| 1294.91 | 1 | $55,000 | $55,000 |
| 1375.0 | 1 | $35,000 | $35,000 |
| 1375.57 | 1 | $55,000 | $55,000 |
| 1390.7 | 1 | $65,000 | $65,000 |
| 1402.99 | 1 | $65,000 | $65,000 |
| 1407.87 | 1 | $65,000 | $65,000 |
| 1422.84 | 1 | $35,000 | $35,000 |
| 1449.0 | 2 | $70,000 | $35,000 |
| 1449.38 | 1 | $75,000 | $75,000 |
| 1450.0 | 1 | $35,000 | $35,000 |
| 1452.53 | 1 | $75,000 | $75,000 |
| 1500.0 | 2 | $70,000 | $35,000 |
| 1505.86 | 1 | $75,000 | $75,000 |
| 1515.0 | 1 | $35,000 | $35,000 |
| 151.68 | 1 | $15,000 | $15,000 |
| 1530.1 | 1 | $45,000 | $45,000 |
| 1545.82 | 1 | $75,000 | $75,000 |
| 1549.0 | 1 | $35,000 | $35,000 |
| 1563.98 | 1 | $85,000 | $85,000 |
| 1579.64 | 1 | $85,000 | $85,000 |
| 1580.25 | 1 | $65,000 | $65,000 |
| 1607.53 | 1 | $85,000 | $85,000 |
| 1630.0 | 1 | $35,000 | $35,000 |
| 1660.76 | 1 | $45,000 | $45,000 |
| 1675.0 | 1 | $35,000 | $35,000 |
| 1694.0 | 1 | $35,000 | $35,000 |
| 1699.0 | 1 | $55,000 | $55,000 |
| 1719.45 | 1 | $95,000 | $95,000 |
| 1733.72 | 1 | $75,000 | $75,000 |
| 1735.0 | 1 | $45,000 | $45,000 |
| 1750.0 | 1 | $35,000 | $35,000 |
| 1752.0 | 1 | $35,000 | $35,000 |
| 1755.0 | 1 | $35,000 | $35,000 |
| 1785.0 | 1 | $35,000 | $35,000 |
| 1788.0 | 1 | $35,000 | $35,000 |
| 1803.2 | 1 | $85,000 | $85,000 |
| 1807.0 | 1 | $45,000 | $45,000 |
| 1864.0 | 1 | $115,000 | $115,000 |
| 1875.0 | 2 | $80,000 | $40,000 |
| 1876.0 | 1 | $45,000 | $45,000 |
| 1881.0 | 1 | $45,000 | $45,000 |
| 1897.0 | 1 | $45,000 | $45,000 |
| 1948.0 | 1 | $45,000 | $45,000 |
| 1949.0 | 1 | $75,000 | $75,000 |
| 1950.0 | 1 | $45,000 | $45,000 |
| 200.0 | 2 | $80,000 | $40,000 |
| 2000.0 | 3 | $165,000 | $55,000 |
| 2006.7 | 1 | $65,000 | $65,000 |
| 2040.0 | 1 | $55,000 | $55,000 |
| 2053.68 | 1 | $45,000 | $45,000 |
| 2057.36 | 1 | $95,000 | $95,000 |
| 2095.02 | 1 | $95,000 | $95,000 |
| 2150.0 | 2 | $110,000 | $55,000 |
| 2166.0 | 1 | $45,000 | $45,000 |
| 2169.76 | 1 | $95,000 | $95,000 |
| 2199.0 | 3 | $175,000 | $58,333 |
| 2239.02 | 1 | $75,000 | $75,000 |
| 2392.0 | 1 | $55,000 | $55,000 |
| 2394.0 | 1 | $55,000 | $55,000 |
| 2400.0 | 2 | $110,000 | $55,000 |
| 2415.0 | 1 | $55,000 | $55,000 |
| 2450.0 | 1 | $55,000 | $55,000 |
| 2499.0 | 2 | $270,000 | $135,000 |
| 2504.71 | 1 | $65,000 | $65,000 |
| 2599.0 | 4 | $360,000 | $90,000 |
| 2615.0 | 1 | $65,000 | $65,000 |
| 2682.0 | 1 | $55,000 | $55,000 |
| 2700.0 | 2 | $120,000 | $60,000 |
| 2750.0 | 1 | $55,000 | $55,000 |
| 2758.0 | 1 | $55,000 | $55,000 |
| 2786.34 | 1 | $55,000 | $55,000 |
| 2822.0 | 1 | $85,000 | $85,000 |
| 2880.0 | 1 | $75,000 | $75,000 |
| 2889.15 | 1 | $135,000 | $135,000 |
| 2924.0 | 1 | $65,000 | $65,000 |
| 2955.0 | 1 | $95,000 | $95,000 |
| 3000.0 | 5 | $385,000 | $77,000 |
| 3035.0 | 1 | $65,000 | $65,000 |
| 3127.53 | 1 | $95,000 | $95,000 |
| 3200.0 | 2 | $160,000 | $80,000 |
| 3250.0 | 2 | $140,000 | $70,000 |
| 3257.0 | 1 | $75,000 | $75,000 |
| 3268.34 | 1 | $105,000 | $105,000 |
| 3315.0 | 1 | $75,000 | $75,000 |
| 3325.0 | 1 | $75,000 | $75,000 |
| 3450.0 | 1 | $85,000 | $85,000 |
| 3497.0 | 1 | $75,000 | $75,000 |
| 3500.0 | 1 | $105,000 | $105,000 |
| 3538.7 | 1 | $75,000 | $75,000 |
| 3563.0 | 1 | $115,000 | $115,000 |
| 3950.0 | 1 | $95,000 | $95,000 |
| 3976.0 | 1 | $85,000 | $85,000 |
| 3995.0 | 1 | $85,000 | $85,000 |
| 4000.0 | 1 | $95,000 | $95,000 |
| 407.67 | 1 | $25,000 | $25,000 |
| 4090.0 | 1 | $85,000 | $85,000 |
| 4200.0 | 1 | $105,000 | $105,000 |
| 4302.0 | 1 | $105,000 | $105,000 |
| 4333.0 | 1 | $95,000 | $95,000 |
| 442.4 | 1 | $25,000 | $25,000 |
| 4444.0 | 1 | $95,000 | $95,000 |
| 4450.0 | 1 | $115,000 | $115,000 |
| 447.76 | 1 | $25,000 | $25,000 |
| 449.95 | 1 | $25,000 | $25,000 |
| 450.0 | 2 | $50,000 | $25,000 |
| 4500.0 | 1 | $115,000 | $115,000 |
| 450.42 | 1 | $25,000 | $25,000 |
| 450.94 | 1 | $25,000 | $25,000 |
| 451.99 | 1 | $25,000 | $25,000 |
| 456.0 | 1 | $25,000 | $25,000 |
| 461.56 | 1 | $25,000 | $25,000 |
| 469.71 | 1 | $25,000 | $25,000 |
| 4700.0 | 1 | $105,000 | $105,000 |
| 4706.0 | 1 | $95,000 | $95,000 |
| 4710.0 | 1 | $95,000 | $95,000 |
| 471.34 | 1 | $25,000 | $25,000 |
| 472.33 | 1 | $25,000 | $25,000 |
| 474.68 | 1 | $25,000 | $25,000 |
| 483.09 | 1 | $25,000 | $25,000 |
| 494.2 | 1 | $25,000 | $25,000 |
| 495.05 | 1 | $25,000 | $25,000 |
| 500.0 | 1 | $35,000 | $35,000 |
| 514.45 | 1 | $35,000 | $35,000 |
| 515.03 | 1 | $35,000 | $35,000 |
| 515.6 | 1 | $35,000 | $35,000 |
| 520.0 | 1 | $35,000 | $35,000 |
| 5200.0 | 1 | $135,000 | $135,000 |
| 521.6 | 1 | $35,000 | $35,000 |
| 532.0 | 1 | $15,000 | $15,000 |
| 550.0 | 1 | $35,000 | $35,000 |
| 557.41 | 1 | $35,000 | $35,000 |
| 564.03 | 1 | $35,000 | $35,000 |
| 567.91 | 1 | $35,000 | $35,000 |
| 570.0 | 1 | $35,000 | $35,000 |
| 583.0 | 1 | $35,000 | $35,000 |
| 600.0 | 2 | $90,000 | $45,000 |
| 602.56 | 1 | $45,000 | $45,000 |
| 604.04 | 1 | $45,000 | $45,000 |
| 604.82 | 1 | $45,000 | $45,000 |
| 607.06 | 1 | $45,000 | $45,000 |
| 608.38 | 1 | $45,000 | $45,000 |
| 6200.0 | 1 | $155,000 | $155,000 |
| 621.87 | 1 | $45,000 | $45,000 |
| 624.97 | 1 | $45,000 | $45,000 |
| 642.96 | 1 | $45,000 | $45,000 |
| 643.06 | 1 | $45,000 | $45,000 |
| 645.0 | 1 | $45,000 | $45,000 |
| 646.86 | 1 | $45,000 | $45,000 |
| 650.0 | 1 | $15,000 | $15,000 |
| 653.63 | 1 | $45,000 | $45,000 |
| 654.09 | 1 | $45,000 | $45,000 |
| 670.0 | 1 | $45,000 | $45,000 |
| 670.43 | 1 | $25,000 | $25,000 |
| 699.78 | 1 | $45,000 | $45,000 |
| 700.0 | 2 | $110,000 | $55,000 |
| 700.31 | 1 | $75,000 | $75,000 |
| 700.68 | 1 | $75,000 | $75,000 |
| 702.2 | 1 | $55,000 | $55,000 |
| 715.96 | 1 | $55,000 | $55,000 |
| 716.58 | 1 | $55,000 | $55,000 |
| 717.83 | 1 | $55,000 | $55,000 |
| 740.0 | 1 | $15,000 | $15,000 |
| 749.0 | 478 | $25,180,000 | $52,678 |
| 759.0 | 1 | $55,000 | $55,000 |
| 763.66 | 1 | $55,000 | $55,000 |
| 764.57 | 1 | $55,000 | $55,000 |
| 764.6 | 1 | $55,000 | $55,000 |
| 767.0 | 1 | $55,000 | $55,000 |
| 777.7 | 1 | $55,000 | $55,000 |
| 799.0 | 18 | $1,020,000 | $56,667 |
| 809.93 | 1 | $65,000 | $65,000 |
| 822.34 | 1 | $65,000 | $65,000 |
| 830.0 | 1 | $65,000 | $65,000 |
| 839.53 | 1 | $65,000 | $65,000 |
| 842.75 | 1 | $65,000 | $65,000 |
| 883.81 | 1 | $65,000 | $65,000 |
| 892.26 | 1 | $35,000 | $35,000 |
| 896.9 | 1 | $65,000 | $65,000 |
| 901.98 | 1 | $15,000 | $15,000 |
| 902.74 | 1 | $75,000 | $75,000 |
| 928.05 | 1 | $35,000 | $35,000 |
| 943.66 | 1 | $75,000 | $75,000 |
| 951.14 | 1 | $35,000 | $35,000 |
| 958.28 | 1 | $45,000 | $45,000 |
| 968.12 | 1 | $35,000 | $35,000 |
| NA | 4,355 | $814,295,000 | $186,979 |
Occupancy Type Mix
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CENTERSTATE BANK CORPORATION | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 25.0% |
| CENTERSTATE BANK CORPORATION | Conventional home mortgage | Trouble during payment process | 2 | 50.0% |
| CENTERSTATE BANK CORPORATION | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 25.0% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Centier Bank | 100 South Main Street Elkhart, IN 46516 | Full Service B&M | $6,287 |
| Centier Bank | 1020a Sagamore Park Center West Lafayette, IN 47906 | Full Service B&M | $42,384 |
| Centier Bank | 103 Broadway Chesterton, IN 46304 | Full Service B&M | $137,609 |
| Centier Bank | 10315 Dupont Circle Drive West Fort Wayne, IN 46825 | Full Service B&M | $65,881 |
| 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 | $7,918 |
| Centier Bank | 10851 Broadway Crown Point, IN 46307 | Full Service Retail | $24,601 |
| Centier Bank | 1121 Sheffield Avenue Dyer, IN 46311 | Full Service B&M | $109,050 |
| Centier Bank | 11684 Allisonville Road Fishers, IN 46038 | Full Service B&M | $11,554 |
| Centier Bank | 117 East Joliet Street Crown Point, IN 46307 | Full Service B&M | $297,422 |
| Centier Bank | 1276 North Main Street Crown Point, IN 46307 | Full Service B&M | $70,473 |
| Centier Bank | 150 West Lincolnway Valparaiso, IN 46383 | Full Service B&M | $194,954 |
| Centier Bank | 1500 - 119th Street Whiting, IN 46394 | Full Service B&M | $108,613 |
| Centier Bank | 1501 South Court Street Crown Point, IN 46307 | Full Service B&M | $59,413 |
| Centier Bank | 1515 Us Highway 41 Schererville, IN 46375 | Full Service Retail | $8,574 |
| Centier Bank | 1600 South Calumet Road Chesterton, IN 46304 | Full Service B&M | $70,738 |
| Centier Bank | 1605 Calumet Avenue Valparaiso, IN 46383 | Full Service Retail | $35,418 |
| Centier Bank | 1716 Elkhart Rd Goshen, IN 46526 | Full Service B&M | $4,229 |
| Centier Bank | 1802 North Calumet Avenue Valparaiso, IN 46383 | Full Service B&M | $101,517 |
| Centier Bank | 1914 East Commercial Avenue Lowell, IN 46356 | Full Service B&M | $150,297 |
| Centier Bank | 1921 Veterans Memorial Parkway South Lafayette, IN 47909 | Full Service B&M | $17,002 |
| Centier Bank | 255 East Day Road Mishawaka, IN 46545 | Full Service B&M | $41,654 |
| Centier Bank | 2635 169th Street Hammond, IN 46323 | Full Service Retail | $8,813 |
| Centier Bank | 2636 U.S. 52, 1020 A Sagamore Park Centre West Lafayette, IN 47906 | Full Service Retail | $5,054 |
| Centier Bank | 2707 Laporte Avenue Valparaiso, IN 46383 | Full Service B&M | $51,864 |
| Centier Bank | 2809 Emerson Drive Elkhart, IN 46514 | Full Service B&M | $5,131 |
| Centier Bank | 3002 East State Road 32 Westfield, IN 46074 | Full Service B&M | $5,725 |
| Centier Bank | 303 Cr 17 Elkhart, IN 46516 | Full Service B&M | $15,108 |
| Centier Bank | 3198 East 81st Avenue Hobart, IN 46342 | Full Service B&M | $41,628 |
| Centier Bank | 3220 Willowcreek Road Portage, IN 46368 | Full Service B&M | $100,893 |
| Centier Bank | 323 Columbia Street, Suite 1a Lafayette, IN 47901 | Full Service B&M | $39,125 |
| 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 | $88,515 |
| Centier Bank | 3600 North Portage Road South Bend, IN 46628 | Full Service Retail | $2,900 |
| Centier Bank | 390 West U.S. Highway 6 Valparaiso, IN 46385 | Full Service B&M | $49,489 |
| Centier Bank | 433 Main Street Hobart, IN 46342 | Full Service B&M | $117,246 |
| Centier Bank | 4883 Broadway Gary, IN 46409 | Full Service B&M | $8,892 |
| Centier Bank | 5 Executive Drive Suite A Lafayette, IN 47905 | Full Service B&M | $14,393 |
| Centier Bank | 50 N Ford Rd Zionsville, IN 46077 | Full Service B&M | $24,105 |
| Centier Bank | 50 S. Meridian St, Suite 100 Indianapolis, IN 46204 | Full Service B&M | $152,503 |
| Centier Bank | 500 North Broad Street Griffith, IN 46319 | Full Service B&M | $94,611 |
| Centier Bank | 504 Broadway, Suite 102 Gary, IN 46402 | Full Service B&M | $61,002 |
| Centier Bank | 5191 West Lincoln Highway Crown Point, IN 46307 | Full Service B&M | $87,500 |
| Centier Bank | 537 North Oak Road Plymouth, IN 46563 | Full Service B&M | $33,964 |
| Centier Bank | 5433 Hohman Avenue Hammond, IN 46320 | Full Service B&M | $19,413 |
| Centier Bank | 5501 Franklin Street Michigan City, IN 46360 | Full Service B&M | $5,056 |
| Centier Bank | 568 East Carmel Drive Carmel, IN 46032 | Full Service B&M | $126,072 |
| Centier Bank | 6001 Broadway Merrillville, IN 46410 | Full Service Retail | $20,011 |
| Centier Bank | 6046 Central Ave Portage, IN 46368 | Full Service Retail | $30,906 |
| Centier Bank | 650 South Lake Street Gary, IN 46403 | Full Service B&M | $13,594 |
| Centier Bank | 6650 Whitestown Pkwy Zionsville, IN 46077 | Full Service Retail | $6,422 |
| Centier Bank | 7108 Gumwood Road Granger, IN 46530 | Full Service B&M | $5,496 |
| Centier Bank | 720 West 145th Street East Chicago, IN 46312 | Full Service B&M | $19,957 |
| Centier Bank | 73 Pine Lake Avenue Laporte, IN 46350 | Full Service B&M | $77,325 |
| Centier Bank | 7760 E 37th Ave Hobart, IN 46342 | Full Service Retail | $24,630 |
| Centier Bank | 8020 E. 109th Ave Crown Point, IN 46307 | Full Service B&M | $140,379 |
| Centier Bank | 803 S. Calhoun St. Suite 100 Fort Wayne, IN 46802 | Full Service B&M | $2,418 |
| Centier Bank | 8310 Broadway Merrillville, IN 46410 | Full Service B&M | $684,127 |
| Centier Bank | 9102 Indianapolis Blvd Highland, IN 46322 | Full Service B&M | $51,120 |
| Centier Bank | 9151 Wicker Avenue Saint John, IN 46373 | Full Service B&M | $174,393 |
| Centier Bank | 9701 Indianapolis Boulevard Highland, IN 46322 | Full Service B&M | $202,832 |
| Centier Bank | 9704 Lincoln Plaza Center Cedar Lake, IN 46303 | Full Service Retail | $26,849 |
| Centier Bank | 9716 Wihte Oak Avenue Munster, IN 46321 | Full Service B&M | $69,823 |
| Centier Bank | 9825 Wicker Avenue Saint John, IN 46373 | Full Service Retail | $22,114 |
For 2020, Centier Bank had 64 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $181,534 |
| Net interest income | $164,792 |
| Total noninterest income | $71,097 |
| Gross Fiduciary activities income | $4,244 |
| Service charges on deposit accounts | $11,732 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $55,121 |
| Pre-tax net operating income | $94,486 |
| Securities gains (or losses, -) | $471 |
| Income before extraordinary items | $72,046 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $72,046 |
| Minority interest net income | $0 |
| Net income | $72,046 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $71,673 |
Centier Bank's gross interest income from loans was $181,534,000.
Centier Bank's net interest income from loans was $164,792,000.
Centier Bank's fee based income from loans was $11,732,000.
Centier Bank's net income from loans was $72,046,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $16,742 |
| Provision for credit losses | $27,520 |
| Total noninterest expense | $113,883 |
| Salaries and employee benefits | $64,533 |
| Premises and equipment expense | $17,128 |
| Additional noninterest expense | $32,222 |
| Applicable income taxes | $22,911 |
| Net charge-offs | $3,235 |
| Cash dividends | $15,326 |
Centier Bank's interest expense for loans was $16,742,000.
Centier Bank's payroll and benefits expense were $64,533,000.
Centier Bank's property, plant and equipment expenses $17,128,000.
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 | $4,660,393 |
| Deposits held in domestic offices | $4,660,393 |
| Deposits by Individuals, partnerships, and corporations | $3,760,405 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $690,251 |
| Deposits by Commercial banks and other depository institutions in U.S. | $209,738 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $892,207 |
| Demand deposits | $623,523 |
| Nontransaction accounts | $3,768,187 |
| Money market deposit accounts (MMDAs) | $335,508 |
| Other savings deposits (excluding MMDAs) | $2,871,867 |
| Total time deposits | $560,812 |
| Total time and savings deposits | $4,036,871 |
| Noninterest-bearing deposits | $1,467,919 |
| Interest-bearing deposits | $3,192,474 |
| Retail deposits | $4,497,898 |
| IRAs and Keogh plan accounts | $92,528 |
| Brokered deposits | $106,996 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $5,684,149 |
| Cash & Balances due from depository institutions | $167,289 |
| Interest-bearing balances | $115,583 |
| Total securities | $580,035 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $4,688,162 |
| Loan and leases loss allowance | $67,690 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $34,668 |
| Other real estate owned | $12,467 |
| Goodwill and other intangibles | $5,876 |
| All other assets | $195,652 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $5,684,149 |
| Total Liabilities | $5,133,499 |
| Total deposits | $4,660,393 |
| Interest-bearing deposits | $3,192,474 |
| Deposits held in domestic offices | $4,660,393 |
| % insured (estimated) | $62 |
| Federal funds purchased and repurchase agreements | $90,000 |
| Trading liabilities | $0 |
| Other borrowed funds | $260,000 |
| Subordinated debt | $0 |
| All other liabilities | $123,106 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $4,688,162 |
| Loan and leases loss allowance | $67,690 |
| Total loans and leases (domestic) | $4,755,852 |
| All real estate loans | $3,043,339 |
| Real estate loans in domestic offices | $3,043,339 |
| Construction and development loans | $335,884 |
| Residential 1-4 family construction | $45,161 |
| Other construction, all land development and other land | $290,723 |
| Loans secured by nonfarm nonresidential properties | $1,657,242 |
| Nonfarm nonresidential secured by owner-occupied properties | $379,332 |
| Commercial real estate & other non-farm, non-residential | $1,277,910 |
| Multifamily residential real estate | $382,730 |
| 1-4 family residential loans | $666,213 |
| Farmland loans | $1,270 |
| Loans held in foreign offices | $0 |
| Farm loans | $193 |
| Commercial and industrial loans | $472,163 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $367,948 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $4,546 |
| Other loans to individuals | $363,402 |
| All other loans & leases | $872,210 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $824,382 |
| 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 | $875 |
| Non 1-4 family restructured loans & leases | $641 |
| Total loans and leases (foreign) | $0 |
Centier Bank had $4,688,162,000 of loans outstanding in 2020. $3,043,339,000 of loans were in real estate loans. $335,884,000 of loans were in development loans. $382,730,000 of loans were in multifamily mortgage loans. $666,213,000 of loans were in 1-4 family mortgage loans. $193,000 of loans were in farm loans. $0 of loans were in credit card loans. $4,546,000 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 | 742 | $181,287 | $244,322 |
| Nonfarm, nonresidential loans - <$100k | 166 | $6,615 | $39,849 |
| Nonfarm, nonresidential loans - $100-250k | 232 | $27,768 | $119,690 |
| Nonfarm, nonresidential loans - $250k-1MM | 344 | $146,904 | $427,047 |
| Commercial & Industrial, US addressed loans - <$1MM | 2,525 | $181,435 | $71,855 |
| Commercial & Industrial, US addressed loans - <$100k | 1,891 | $46,564 | $24,624 |
| Commercial & Industrial, US addressed loans - $100-250k | 336 | $39,586 | $117,815 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 298 | $95,285 | $319,748 |
| Farmland loans - <$1MM | 6 | $1,270 | $211,667 |
| Farmland loans - <$100k | 3 | $194 | $64,667 |
| Farmland loans - $100-250k | 1 | $164 | $164,000 |
| Farmland loans - $250k-1MM | 2 | $912 | $456,000 |
| Agriculture operations loans - <$1MM | 3 | $193 | $64,333 |
| Agriculture operations loans - <$100k | 2 | $97 | $48,500 |
| Agriculture operations loans - $100-250k | 1 | $96 | $96,000 |