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 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 Auburn among others. We have data for 134 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%	4/28/24
30 Year Conventional Purchase	6.83%	4/28/24
30 Year Conventional Refi	6.57%	4/28/24
30 Year Cash-out Refi	6.78%	4/28/24
30 Year FHA Purchase	7.77%	4/28/24
30 Year FHA Refi	6.27%	4/28/24
30 Year VA Purchase	6.61%	4/28/24
30 Year USDA Purchase	7.16%	4/28/24
15 Year Conventional Purchase	7.45%	4/28/24
15 Year Conventional Refi	6.64%	4/28/24
15 Year Cash-out Refi	6.64%	4/28/24
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

Purchase Price:

Loan Amount:

Deposit Amount:

% Deposit:

Interest Rate:

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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

4,089

Origination Dollar Volume (All Markets)

$691,415,000

Employee count

874

Awards

Centier Bank 30 Year Conventional Loans silver

Centier Bank 30 Year Conventional Loans gold

Centier Bank 30 Year Conventional Loans bronze

Show all (10) 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)	2,243	$347,095,000	$154,746	$2,940	3.89%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	549	$128,765,000	$234,545	$3,193	3.71%
LAFAYETTE-WEST LAFAYETTE, IN (FHA\|USDA\|VA)	242	$46,560,000	$192,397	$2,571	3.66%
MICHIGAN CITY-LA PORTE, IN (FHA\|USDA\|VA)	273	$38,935,000	$142,619	$2,684	3.68%
Auburn, IN (FHA\|USDA\|VA)	4	$29,210,000	$7,302,500	$2,175	3.44%
SOUTH BEND-MISHAWAKA, IN-MI (FHA\|USDA\|VA)	111	$23,715,000	$213,649	$2,349	3.87%
Outside of Metro Areas	114	$14,950,000	$131,140	$3,385	4.21%
ELKHART-GOSHEN, IN (FHA\|USDA\|VA)	99	$12,145,000	$122,677	$2,509	4.17%
FORT WAYNE, IN (FHA\|USDA\|VA)	41	$6,585,000	$160,610	$2,230	3.45%
NILES, MI (FHA\|USDA\|VA)	7	$4,275,000	$610,714	$3,537	4.16%
Plymouth, IN (FHA\|USDA\|VA)	34	$4,000,000	$117,647	$1,753	4.75%
Detroit-Warren-Dearborn, MI (FHA\|USDA\|VA)	51	$3,185,000	$62,451	$0	6.38%
Warsaw, IN (FHA\|USDA\|VA)	12	$2,410,000	$200,833	$2,302	3.01%
GRAND RAPIDS-KENTWOOD, MI (FHA\|USDA\|VA)	23	$2,055,000	$89,348	$2,777	6.19%
MUNCIE, IN (FHA\|USDA\|VA)	4	$1,790,000	$447,500	$4,365	3.75%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	4	$1,470,000	$367,500	$5,115	2.84%
Crawfordsville, IN (FHA\|USDA\|VA)	10	$1,430,000	$143,000	$2,690	3.00%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	22	$1,370,000	$62,273	$0	6.35%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	1	$1,295,000	$1,295,000	$8,655	3.25%
Frankfort, IN (FHA\|USDA\|VA)	9	$1,005,000	$111,667	$2,538	3.46%
BLOOMINGTON, IN (FHA\|USDA\|VA)	2	$780,000	$390,000	$2,929	3.44%
KALAMAZOO-PORTAGE, MI (FHA\|USDA\|VA)	9	$695,000	$77,222	$0	6.44%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	8	$680,000	$85,000	$0	6.25%
Holland, MI (FHA\|USDA\|VA)	5	$615,000	$123,000	$3,785	5.68%
Wabash, IN (FHA\|USDA\|VA)	1	$595,000	$595,000	$0	5.93%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	8	$590,000	$73,750	$0	6.34%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	12	$570,000	$47,500	$0	6.56%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	2	$530,000	$265,000	$5,056	2.56%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	11	$505,000	$45,909	$0	6.33%
TERRE HAUTE, IN (FHA\|USDA\|VA)	6	$380,000	$63,333	$3,978	4.33%
Huntington, IN (FHA\|USDA\|VA)	1	$375,000	$375,000	$2,279	3.13%
New Castle, IN (FHA\|USDA\|VA)	3	$345,000	$115,000	$3,302	3.08%
Sturgis, MI (FHA\|USDA\|VA)	2	$330,000	$165,000	$4,963	3.06%
LANSING-EAST LANSING, MI (FHA\|USDA\|VA)	5	$315,000	$63,000	$0	6.45%
READING, PA (FHA\|USDA\|VA)	6	$310,000	$51,667	$0	6.46%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	2	$310,000	$155,000	$4,633	3.00%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA\|USDA\|VA)	3	$305,000	$101,667	$0	6.08%
ANN ARBOR, MI (FHA\|USDA\|VA)	3	$295,000	$98,333	$0	6.42%
GREELEY, CO (FHA\|USDA\|VA)	3	$295,000	$98,333	$0	6.33%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA\|USDA\|VA)	3	$275,000	$91,667	$0	6.50%
Outside of Metro Areas	2	$270,000	$135,000	$0	6.00%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA\|USDA\|VA)	1	$265,000	$265,000	$8,155	3.25%
Richmond, IN (FHA\|USDA\|VA)	1	$265,000	$265,000	$4,089	3.50%
PEORIA, IL (FHA\|USDA\|VA)	1	$255,000	$255,000	$2,155	3.25%
KOKOMO, IN (FHA\|USDA\|VA)	3	$255,000	$85,000	$1,813	4.13%
Peru, IN (FHA\|USDA\|VA)	2	$250,000	$125,000	$2,575	3.56%
LANCASTER, PA (FHA\|USDA\|VA)	5	$245,000	$49,000	$0	6.10%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	5	$235,000	$47,000	$0	6.30%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA\|USDA\|VA)	3	$235,000	$78,333	$0	6.58%
Bucyrus-Galion, OH (FHA\|USDA\|VA)	2	$210,000	$105,000	$0	5.75%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	2	$210,000	$105,000	$0	6.25%
TOLEDO, OH (FHA\|USDA\|VA)	4	$210,000	$52,500	$0	6.56%
Logansport, IN (FHA\|USDA\|VA)	2	$200,000	$100,000	$1,927	3.13%
CANTON-MASSILLON, OH (FHA\|USDA\|VA)	3	$195,000	$65,000	$0	6.37%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	2	$180,000	$90,000	$0	6.25%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	2	$170,000	$85,000	$0	6.75%
COLUMBUS, OH (FHA\|USDA\|VA)	3	$165,000	$55,000	$0	5.92%
WICHITA, KS (FHA\|USDA\|VA)	3	$165,000	$55,000	$0	6.48%
Maryville, MO (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	7.50%
BOISE CITY, ID (FHA\|USDA\|VA)	3	$155,000	$51,667	$0	7.50%
LOUISVILLE, KY (FHA\|USDA\|VA)	1	$155,000	$155,000	$6,955	3.63%
ALBANY-SCHENECTADY-TROY, NY (FHA\|USDA\|VA)	2	$150,000	$75,000	$0	6.63%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	1	$145,000	$145,000	$3,762	3.25%
PANAMA CITY, FL (FHA\|USDA\|VA)	1	$145,000	$145,000	$3,539	3.00%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	3	$145,000	$48,333	$0	6.33%
Spirit Lake, IA (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	6.50%
Oneonta, NY (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	6.25%
Traverse City, MI (FHA\|USDA\|VA)	2	$130,000	$65,000	$2,775	4.69%
DUBUQUE, IA (FHA\|USDA\|VA)	2	$130,000	$65,000	$0	6.88%
YORK-HANOVER, PA (FHA\|USDA\|VA)	2	$130,000	$65,000	$0	6.88%
EVANSVILLE, IN-KY (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	6.50%
Angola, IN (FHA\|USDA\|VA)	1	$125,000	$125,000	$4,598	2.88%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	6.50%
WATERLOO-CEDAR FALLS, IA (FHA\|USDA\|VA)	2	$120,000	$60,000	$0	6.13%
STAUNTON, VA (FHA\|USDA\|VA)	2	$120,000	$60,000	$0	6.13%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	2	$120,000	$60,000	$0	6.25%
Plattsburgh, NY (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	5.75%
SIOUX FALLS, SD (FHA\|USDA\|VA)	2	$110,000	$55,000	$0	6.10%
GRAND JUNCTION, CO (FHA\|USDA\|VA)	2	$110,000	$55,000	$0	6.13%
AKRON, OH (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	6.50%
KANKAKEE, IL (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	6.00%
BOULDER, CO (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	6.50%
SCRANTON--WILKES-BARRE, PA (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	6.25%
MANKATO, MN (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	6.25%
BUFFALO-CHEEKTOWAGA, NY (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	7.50%
BLOOMINGTON, IL (FHA\|USDA\|VA)	2	$90,000	$45,000	$0	6.88%
DULUTH, MN-WI (FHA\|USDA\|VA)	2	$90,000	$45,000	$0	6.25%
WEIRTON-STEUBENVILLE, WV-OH (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	6.00%
PITTSBURGH, PA (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	6.50%
Winona, MN (FHA\|USDA\|VA)	2	$80,000	$40,000	$0	6.93%
IDAHO FALLS, ID (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	6.25%
Menomonie, WI (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	6.25%
Cambridge, OH (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	6.25%
COLUMBIA, MO (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	7.75%
ERIE, PA (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	5.75%
TALLAHASSEE, FL (FHA\|USDA\|VA)	1	$75,000	$75,000	$4,009	3.13%
ROCHESTER, MN (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	6.25%
OCEAN CITY, NJ (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	6.75%
Brainerd, MN (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	6.75%
Kendallville, IN (FHA\|USDA\|VA)	1	$75,000	$75,000	$1,938	3.13%
CASPER, WY (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	5.75%
HARRISBURG-CARLISLE, PA (FHA\|USDA\|VA)	2	$70,000	$35,000	$0	6.13%
EAU CLAIRE, WI (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	6.50%
GAINESVILLE, GA (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	6.25%
CHAMBERSBURG-WAYNESBORO, PA (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	6.35%
WHEELING, WV-OH (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	6.25%
Bellefontaine, OH (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	6.75%
OGDEN-CLEARFIELD, UT (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	6.50%
FOND DU LAC, WI (FHA\|USDA\|VA)	2	$60,000	$30,000	$0	6.50%
MONROE, MI (FHA\|USDA\|VA)	2	$60,000	$30,000	$0	6.25%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	7.25%
FORT COLLINS, CO (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	5.75%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	6.25%
Los Alamos, NM (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	6.75%
London, KY (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	6.25%
Athens, OH (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	5.75%
JACKSON, TN (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	6.25%
IOWA CITY, IA (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	6.75%
Sault Ste. Marie, MI (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	7.25%
HARRISONBURG, VA (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	6.50%
CEDAR RAPIDS, IA (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	7.50%
JEFFERSON CITY, MO (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	7.25%
GETTYSBURG, PA (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	7.25%
Somerset, KY (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	7.25%
GLENS FALLS, NY (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	6.50%
Watertown-Fort Atkinson, WI (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	6.25%
MUSKEGON, MI (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	6.25%
VINELAND-BRIDGETON, NJ (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	5.75%
WAUSAU-WESTON, WI (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	6.25%
Fort Leonard Wood, MO (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	7.50%
DAYTON-KETTERING, OH (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	6.25%
ITHACA, NY (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	6.75%
BLOOMSBURG-BERWICK, PA (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	6.25%
Fairmont, WV (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	5.75%

Centier Bank's top markets include Chicago, Indianapolis, Lafayette, Michigan City, and Auburn among others.

Their top states include:

Indiana (FHA|USDA|VA)

Michigan (FHA|USDA|VA)

Illinois (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Pennsylvania (FHA|USDA|VA)

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.

First Savings Bank of Hegewisch
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Circle Federal Credit Union
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ProFed Federal Credit Union
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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	2,574	$545,180,000	$211,803	$2,736	3.73%
HELOC	1,374	$120,970,000	$88,042	n/a	4.67%
FHA	123	$21,745,000	$176,789	$5,757	3.24%
VA	14	$2,980,000	$212,857	$4,847	2.85%
USDA	4	$540,000	$135,000	$2,302	2.94%

For 2021, Centier Bank's most frequently originated type of loan was Conventional, with 2,574 originations. Their 2nd most popular type was HELOC, with 1,374 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	1,463	$326,895,000	$223,442	$3,031	4.14%
Refi	964	$184,670,000	$191,566	$2,648	3.46%
Home Improvement	892	$57,050,000	$63,957	$543	4.85%
Cash Out Refi	517	$100,785,000	$194,942	$3,268	3.07%
Other	253	$22,015,000	$87,016	$2,997	4.60%

For 2021, Centier Bank's most frequently cited loan purpose was Home Purchase, with 1,463 originations. The 2nd most popular reason was Refi, with 964 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
20 Year	1,693	$144,105,000	$85,118	$1,855	4.85%
30 Year	1,523	$315,075,000	$206,878	$3,018	3.18%
15 Year	521	$79,085,000	$151,795	$2,516	3.23%
Other	161	$26,975,000	$167,547	$1,478	5.52%
30+ year	90	$54,870,000	$609,667	$7,190	3.63%
10 Year	50	$48,280,000	$965,600	$323	4.90%
5 Year	38	$9,830,000	$258,684	$11	5.34%
3 Year	7	$9,275,000	$1,325,000	$0	5.47%
1 Year	6	$3,920,000	$653,333	$0	4.58%

For 2021, Centier Bank's most frequently cited loan duration was 20 Year, with 1,693 originations. The 2nd most popular length was 30 Year, with 1,523 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	1,210	$202,100,000	$167,025
$1k-2k	722	$149,250,000	$206,717
$2k-3k	199	$48,435,000	$243,392
$3k-4k	102	$28,100,000	$275,490
$4k-5k	47	$14,505,000	$308,617
$5k+	44	$28,340,000	$644,091

Centier Bank's average total fees were $3,018, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,210 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
3-4%	1,621	$379,965,000	$234,402
2.5-3%	829	$163,185,000	$196,846
5-6%	578	$33,950,000	$58,737
6-7%	357	$20,795,000	$58,249
4-5%	302	$44,970,000	$148,907
<2.5%	281	$43,255,000	$153,932
7-8%	119	$5,145,000	$43,235
Over 8%	2	$150,000	$75,000

During 2021, Centier Bank's average interest rate for loans was 3.18%, while their most frequently originated rate bucket for loans was 3-4%, with 1,621 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100,000 or less	1,812	$91,500,000	$50,497	$1,681	4.87%
$100k-200k	1,282	$179,340,000	$139,891	$2,692	3.45%
$200k-400k	754	$202,090,000	$268,024	$3,376	3.20%
$400k-600k	149	$71,935,000	$482,785	$4,398	3.31%
$600k-1MM	54	$41,530,000	$769,074	$6,121	3.49%
$1MM+	38	$105,020,000	$2,763,684	$13,781	3.51%

2021 saw Centier Bank place emphasis on $100,000 or less loans with 1,812 originations, totaling $91,500,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k-75k	957	$114,575,000	$119,723	$2,750	4.12%
$50k or less	927	$95,075,000	$102,562	$2,376	4.11%
$100k-150k	726	$114,100,000	$157,163	$3,128	4.02%
$75k-100k	673	$93,855,000	$139,458	$2,996	3.99%
$150k-250k	446	$95,690,000	$214,552	$3,574	3.90%
$250k+	165	$73,415,000	$444,939	$6,041	3.68%

Centier Bank lent most frequently to those with incomes in the $50k-75k range, with 957 originations. The second most popular income band? $50k or less, with 927 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	1,143	$158,435,000	$138,613	$2,725	4.04%
30-36%	754	$109,250,000	$144,894	$2,876	4.13%
<20%	579	$76,135,000	$131,494	$2,861	3.99%
42%	221	$40,525,000	$183,371	$3,259	4.20%
40%	167	$27,305,000	$163,503	$2,933	4.26%
38%	160	$21,830,000	$136,438	$2,818	4.16%
41%	151	$19,725,000	$130,629	$2,580	4.38%
37%	137	$19,485,000	$142,226	$2,589	4.13%
36%	133	$18,915,000	$142,218	$2,583	4.19%
43%	126	$19,840,000	$157,460	$3,022	3.94%
39%	124	$19,100,000	$154,032	$2,776	4.20%
44%	75	$15,205,000	$202,733	$3,388	3.27%
45%	45	$8,775,000	$195,000	$3,393	3.09%
46%	44	$9,160,000	$208,182	$3,266	3.04%
>60%	38	$16,000,000	$421,053	$4,219	3.24%
47%	36	$7,530,000	$209,167	$3,133	3.08%
48%	35	$6,765,000	$193,286	$3,026	3.17%
50-60%	31	$6,745,000	$217,581	$4,377	3.16%
49%	22	$4,120,000	$187,273	$3,522	3.19%

Centier Bank lent most frequently to those with DTI ratios of 20-30%, with 1,143 originations. The next most common DTI ratio? 30-36%, with 754 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	3,336	$512,500,000	$153,627	$2,904	3.98%
Not applicable	59	$81,375,000	$1,379,237	$0	4.28%
Not provided	449	$59,795,000	$133,174	$2,925	4.27%
Black	191	$24,885,000	$130,288	$2,888	4.21%
Asian	34	$10,480,000	$308,235	$3,225	3.41%
Asian Indian	5	$1,075,000	$215,000	$0	4.35%
American Indian	10	$590,000	$59,000	$2,009	5.61%
Native Hawaiian or Islander	1	$435,000	$435,000	$3,757	3.38%
Other Pacific Islander	4	$280,000	$70,000	$0	5.56%

Approval Rates

Total approvals of all applications
87.08%

Centier Bank has an average approval rate.

Pick Rate

Approvals leading to origination
69.14%

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	1	$35,000	$35,000
1000.0	2	$110,000	$55,000
1003.79	1	$25,000	$25,000
1048.68	1	$85,000	$85,000
1063.25	1	$45,000	$45,000
1160.0	1	$25,000	$25,000
1184.38	1	$45,000	$45,000
1241.14	1	$55,000	$55,000
1277.0	1	$25,000	$25,000
1282.09	1	$25,000	$25,000
1337.83	1	$55,000	$55,000
1338.04	1	$55,000	$55,000
1365.0	1	$25,000	$25,000
1394.24	1	$55,000	$55,000
1401.69	1	$35,000	$35,000
1460.0	1	$35,000	$35,000
1463.32	1	$45,000	$45,000
1497.0	1	$35,000	$35,000
1530.87	1	$55,000	$55,000
1545.82	1	$55,000	$55,000
1601.0	1	$35,000	$35,000
1617.85	1	$75,000	$75,000
1736.54	1	$55,000	$55,000
1747.07	1	$75,000	$75,000
1789.76	1	$75,000	$75,000
1789.86	1	$75,000	$75,000
1798.0	1	$135,000	$135,000
1800.0	1	$45,000	$45,000
1801.31	1	$85,000	$85,000
1818.69	1	$85,000	$85,000
1835.42	1	$85,000	$85,000
1845.37	1	$45,000	$45,000
1849.0	1	$55,000	$55,000
1859.0	1	$35,000	$35,000
1863.02	1	$85,000	$85,000
1882.14	1	$85,000	$85,000
1899.0	1	$65,000	$65,000
1931.45	1	$85,000	$85,000
200.0	1	$55,000	$55,000
2057.0	1	$45,000	$45,000
2172.0	1	$55,000	$55,000
2174.18	1	$115,000	$115,000
2199.0	1	$55,000	$55,000
2225.0	1	$45,000	$45,000
2232.0	1	$45,000	$45,000
2299.27	1	$105,000	$105,000
2350.86	1	$75,000	$75,000
2430.66	1	$55,000	$55,000
2480.0	1	$55,000	$55,000
2515.0	1	$55,000	$55,000
2550.0	1	$55,000	$55,000
2614.97	1	$165,000	$165,000
2718.01	1	$55,000	$55,000
2754.06	1	$65,000	$65,000
2783.74	1	$65,000	$65,000
2880.1	1	$135,000	$135,000
3044.73	1	$95,000	$95,000
3128.21	1	$85,000	$85,000
331.63	1	$35,000	$35,000
3363.67	1	$135,000	$135,000
3400.0	1	$75,000	$75,000
3478.26	1	$125,000	$125,000
3495.91	1	$105,000	$105,000
3551.0	1	$75,000	$75,000
3559.62	1	$75,000	$75,000
3614.91	1	$105,000	$105,000
3617.13	1	$75,000	$75,000
3630.0	1	$75,000	$75,000
3667.7	1	$115,000	$115,000
3673.68	1	$95,000	$95,000
3699.0	2	$210,000	$105,000
3800.0	1	$95,000	$95,000
3890.48	1	$95,000	$95,000
3900.0	1	$135,000	$135,000
3912.36	1	$95,000	$95,000
4062.0	1	$85,000	$85,000
4105.42	1	$145,000	$145,000
4476.0	1	$115,000	$115,000
4487.74	1	$125,000	$125,000
450.0	1	$25,000	$25,000
4556.0	1	$115,000	$115,000
4724.86	1	$155,000	$155,000
487.29	1	$25,000	$25,000
489.54	1	$25,000	$25,000
4922.74	1	$155,000	$155,000
494.51	1	$25,000	$25,000
499.0	1	$45,000	$45,000
522.43	1	$35,000	$35,000
529.42	1	$35,000	$35,000
533.34	1	$35,000	$35,000
564.31	1	$35,000	$35,000
599.03	1	$35,000	$35,000
650.0	1	$45,000	$45,000
650.52	1	$65,000	$65,000
667.06	1	$45,000	$45,000
679.0	1	$65,000	$65,000
708.99	1	$55,000	$55,000
733.45	1	$55,000	$55,000
749.0	38	$2,780,000	$73,158
760.0	1	$105,000	$105,000
769.78	1	$55,000	$55,000
790.0	1	$55,000	$55,000
799.0	39	$2,445,000	$62,692
822.65	1	$65,000	$65,000
828.01	1	$65,000	$65,000
850.0	1	$65,000	$65,000
854.56	1	$65,000	$65,000
855.0	1	$65,000	$65,000
880.15	1	$55,000	$55,000
900.0	2	$160,000	$80,000
916.7	1	$75,000	$75,000
926.56	1	$75,000	$75,000
938.29	1	$75,000	$75,000
999.0	146	$8,710,000	$59,658
999.04	1	$75,000	$75,000
NA	3,751	$669,475,000	$178,479

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	4,089	$691,415,000	$169,091

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	670	$61,270,000	$91,448	$1,788	4.37%
40-60%	549	$95,935,000	$174,745	$2,652	3.36%
60-80%	1,068	$239,450,000	$224,204	$3,287	3.54%
80-100%	1,039	$256,095,000	$246,482	$3,274	3.94%
Over 100%	5	$915,000	$183,000	$6,330	2.85%
Under 20%	758	$37,750,000	$49,802	$278	5.02%

Complaints

Bank Name	Product	Issue	2021 CPFB Complaints	% of Total Issues
CENTURY MORTGAGE COMPANY	VA mortgage	Trouble during payment process	1	100.0%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Centier Bank	100 South Main Street Elkhart, IN 46516	Full Service B&M	$7,049
Centier Bank	1020a Sagamore Park Center West Lafayette, IN 47906	Full Service B&M	$60,624
Centier Bank	103 Broadway Chesterton, IN 46304	Full Service B&M	$160,767
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	$13,339
Centier Bank	10851 Broadway Crown Point, IN 46307	Full Service Retail	$0
Centier Bank	1121 Sheffield Avenue Dyer, IN 46311	Full Service B&M	$122,416
Centier Bank	11684 Allisonville Road Fishers, IN 46038	Full Service B&M	$20,308
Centier Bank	117 East Joliet Street Crown Point, IN 46307	Full Service B&M	$354,444
Centier Bank	1276 North Main Street Crown Point, IN 46307	Full Service B&M	$78,197
Centier Bank	150 West Lincolnway Valparaiso, IN 46383	Full Service B&M	$206,753
Centier Bank	1500 - 119th Street Whiting, IN 46394	Full Service B&M	$112,351
Centier Bank	1501 South Court Street Crown Point, IN 46307	Full Service B&M	$68,947
Centier Bank	1600 South Calumet Road Chesterton, IN 46304	Full Service B&M	$81,565
Centier Bank	1605 Calumet Avenue Valparaiso, IN 46383	Full Service Retail	$41,503
Centier Bank	1716 Elkhart Rd Goshen, IN 46526	Full Service B&M	$6,961
Centier Bank	1802 North Calumet Avenue Valparaiso, IN 46383	Full Service B&M	$114,982
Centier Bank	1914 East Commercial Avenue Lowell, IN 46356	Full Service B&M	$173,478
Centier Bank	1921 Veterans Memorial Parkway South Lafayette, IN 47909	Full Service B&M	$28,288
Centier Bank	255 East Day Road Mishawaka, IN 46545	Full Service B&M	$46,485
Centier Bank	2635 169th Street Hammond, IN 46323	Full Service Retail	$10,653
Centier Bank	2636 U.S. 52, 1020 A Sagamore Park Centre West Lafayette, IN 47906	Full Service Retail	$5,958
Centier Bank	2707 Laporte Avenue Valparaiso, IN 46383	Full Service B&M	$56,478
Centier Bank	2809 Emerson Drive Elkhart, IN 46514	Full Service B&M	$5,162
Centier Bank	3002 East State Road 32 Westfield, IN 46074	Full Service B&M	$12,885
Centier Bank	303 Cr 17 Elkhart, IN 46516	Full Service B&M	$18,317
Centier Bank	3198 East 81st Avenue Hobart, IN 46342	Full Service B&M	$52,604
Centier Bank	3220 Willowcreek Road Portage, IN 46368	Full Service B&M	$113,874
Centier Bank	323 Columbia Street, Suite 1a Lafayette, IN 47901	Full Service B&M	$43,978
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	$102,072
Centier Bank	3600 North Portage Road South Bend, IN 46628	Full Service Retail	$3,091
Centier Bank	390 West U.S. Highway 6 Valparaiso, IN 46385	Full Service B&M	$56,519
Centier Bank	433 Main Street Hobart, IN 46342	Full Service B&M	$126,091
Centier Bank	4883 Broadway Gary, IN 46409	Full Service B&M	$11,402
Centier Bank	5 Executive Drive Suite A Lafayette, IN 47905	Full Service B&M	$15,826
Centier Bank	50 N Ford Rd Zionsville, IN 46077	Full Service B&M	$31,185
Centier Bank	50 S. Meridian St, Suite 100 Indianapolis, IN 46204	Full Service B&M	$164,124
Centier Bank	500 North Broad Street Griffith, IN 46319	Full Service B&M	$106,755
Centier Bank	504 Broadway, Suite 102 Gary, IN 46402	Full Service B&M	$93,366
Centier Bank	5191 West Lincoln Highway Crown Point, IN 46307	Full Service B&M	$123,088
Centier Bank	537 North Oak Road Plymouth, IN 46563	Full Service B&M	$40,642
Centier Bank	5433 Hohman Avenue Hammond, IN 46320	Full Service B&M	$17,880
Centier Bank	5501 Franklin Street Michigan City, IN 46360	Full Service B&M	$9,242
Centier Bank	568 East Carmel Drive Carmel, IN 46032	Full Service B&M	$114,580
Centier Bank	6001 Broadway Merrillville, IN 46410	Full Service Retail	$25,799
Centier Bank	6046 Central Ave Portage, IN 46368	Full Service Retail	$35,701
Centier Bank	650 South Lake Street Gary, IN 46403	Full Service B&M	$15,857
Centier Bank	6650 Whitestown Pkwy Zionsville, IN 46077	Full Service Retail	$14,218
Centier Bank	7108 Gumwood Road Granger, IN 46530	Full Service B&M	$8,865
Centier Bank	720 West 145th Street East Chicago, IN 46312	Full Service B&M	$28,410
Centier Bank	73 Pine Lake Avenue Laporte, IN 46350	Full Service B&M	$57,697
Centier Bank	7760 E 37th Ave Hobart, IN 46342	Full Service Retail	$30,382
Centier Bank	8020 E. 109th Ave Crown Point, IN 46307	Full Service B&M	$164,155
Centier Bank	803 S. Calhoun St. Suite 100 Fort Wayne, IN 46802	Full Service B&M	$99,138
Centier Bank	8310 Broadway Merrillville, IN 46410	Full Service B&M	$829,931
Centier Bank	9102 Indianapolis Blvd Highland, IN 46322	Full Service B&M	$58,235
Centier Bank	9151 Wicker Avenue Saint John, IN 46373	Full Service B&M	$225,444
Centier Bank	9701 Indianapolis Boulevard Highland, IN 46322	Full Service B&M	$243,812
Centier Bank	9704 Lincoln Plaza Center Cedar Lake, IN 46303	Full Service Retail	$30,750
Centier Bank	9716 Wihte Oak Avenue Munster, IN 46321	Full Service B&M	$73,608

For 2021, Centier Bank had 61 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$188,239
Net interest income	$179,105
Total noninterest income	$58,771
Gross Fiduciary activities income	$4,713
Service charges on deposit accounts	$11,858
Trading account gains and fees	$0
Additional Noninterest Income	$42,200
Pre-tax net operating income	$110,664
Securities gains (or losses, -)	$453
Income before extraordinary items	$84,621
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$84,621
Minority interest net income	$0
Net income	$84,621
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$84,263

Centier Bank's gross interest income from loans was $188,239,000.
Centier Bank's net interest income from loans was $179,105,000.
Centier Bank's fee based income from loans was $11,858,000.
Centier Bank's net income from loans was $84,621,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$9,134
Provision for credit losses	$-900
Total noninterest expense	$128,112
Salaries and employee benefits	$74,574
Premises and equipment expense	$16,716
Additional noninterest expense	$36,822
Applicable income taxes	$26,496
Net charge-offs	$3,675
Cash dividends	$17,248

Centier Bank's interest expense for loans was $9,134,000.
Centier Bank's payroll and benefits expense were $74,574,000.
Centier Bank's property, plant and equipment expenses $16,716,000.

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	$5,253,504
Deposits held in domestic offices	$5,253,504
Deposits by Individuals, partnerships, and corporations	$4,132,955
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$849,670
Deposits by Commercial banks and other depository institutions in U.S.	$270,880
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$3,391,069
Demand deposits	$1,932,051
Nontransaction accounts	$1,862,436
Money market deposit accounts (MMDAs)	$400,066
Other savings deposits (excluding MMDAs)	$909,105
Total time deposits	$553,267
Total time and savings deposits	$3,321,454
Noninterest-bearing deposits	$1,727,226
Interest-bearing deposits	$3,526,278
Retail deposits	$5,120,317
IRAs and Keogh plan accounts	$91,040
Brokered deposits	$32,975
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$6,193,839
Cash & Balances due from depository institutions	$492,741
Interest-bearing balances	$446,816
Total securities	$751,880
Federal funds sold & reverse repurchase	$0
Net loans and leases	$4,753,726
Loan and leases loss allowance	$63,115
Trading account assets	$0
Bank premises and fixed assets	$32,526
Other real estate owned	$0
Goodwill and other intangibles	$6,447
All other assets	$156,519

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$6,193,839
Total Liabilities	$5,585,106
Total deposits	$5,253,504
Interest-bearing deposits	$3,526,278
Deposits held in domestic offices	$5,253,504
% insured (estimated)	$59
Federal funds purchased and repurchase agreements	$0
Trading liabilities	$0
Other borrowed funds	$260,000
Subordinated debt	$0
All other liabilities	$71,602

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$4,753,726
Loan and leases loss allowance	$63,115
Total loans and leases (domestic)	$4,816,841
All real estate loans	$3,161,632
Real estate loans in domestic offices	$3,161,632
Construction and development loans	$459,890
Residential 1-4 family construction	$59,611
Other construction, all land development and other land	$400,279
Loans secured by nonfarm nonresidential properties	$1,710,028
Nonfarm nonresidential secured by owner-occupied properties	$407,620
Commercial real estate & other non-farm, non-residential	$1,302,408
Multifamily residential real estate	$362,049
1-4 family residential loans	$628,589
Farmland loans	$1,076
Loans held in foreign offices	$0
Farm loans	$0
Commercial and industrial loans	$289,735
To non-U.S. addressees	$0
Loans to individuals	$360,890
Credit card loans	$0
Related Plans	$0
Consumer Auto Loans	$4,572
Other loans to individuals	$356,318
All other loans & leases	$1,004,584
Loans to foreign governments and official institutions	$0
Other loans	$959,302
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	$2,968
Non 1-4 family restructured loans & leases	$525
Total loans and leases (foreign)	$0

Centier Bank had $4,753,726,000 of loans outstanding in 2021. $3,161,632,000 of loans were in real estate loans. $459,890,000 of loans were in development loans. $362,049,000 of loans were in multifamily mortgage loans. $628,589,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $4,572,000 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	734	$198,446	$270,362
Nonfarm, nonresidential loans - <$100k	127	$5,095	$40,118
Nonfarm, nonresidential loans - $100-250k	224	$27,268	$121,732
Nonfarm, nonresidential loans - $250k-1MM	383	$166,083	$433,637
Commercial & Industrial, US addressed loans - <$1MM	955	$83,787	$87,735
Commercial & Industrial, US addressed loans - <$100k	568	$14,023	$24,688
Commercial & Industrial, US addressed loans - $100-250k	176	$17,302	$98,307
Commercial & Industrial, US addressed loans - $250k-1MM	211	$52,462	$248,635
Farmland loans - <$1MM	4	$1,076	$269,000
Farmland loans - <$100k	1	$43	$43,000
Farmland loans - $100-250k	1	$155	$155,000
Farmland loans - $250k-1MM	2	$878	$439,000