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

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  • Product Mix
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  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Centier Bank is a smaller bank specializing in Home Purchase 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 Dallas among others. We have data for 132 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 relatively high 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






    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

    3,331

    Origination Dollar Volume (All Markets)

    $783,355,000
    Show all (8) awards

    Top Markets

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

    Market Originations Total Value Average Loan Average Fees Average Rate
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1,786 $282,130,000 $157,968 $3,049 5.88%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 430 $249,310,000 $579,791 $5,209 5.41%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 190 $47,300,000 $248,947 $3,521 5.84%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 216 $26,050,000 $120,602 $2,832 5.63%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $21,795,000 $21,795,000 $0 6.43%
    FORT WAYNE, IN (FHA|USDA|VA) 37 $21,655,000 $585,270 $1,913 5.55%
    BLOOMINGTON, IN (FHA|USDA|VA) 5 $20,545,000 $4,109,000 $6,590 4.90%
    Peru, IN (FHA|USDA|VA) 2 $16,840,000 $8,420,000 $3,954 6.25%
    Outside of Metro Areas 114 $16,400,000 $143,860 $3,594 6.18%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 93 $15,015,000 $161,452 $3,242 5.75%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $7,845,000 $7,845,000 $0 6.35%
    TUCSON, AZ (FHA|USDA|VA) 2 $7,280,000 $3,640,000 $0 4.54%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 70 $6,540,000 $93,429 $2,264 6.58%
    Plymouth, IN (FHA|USDA|VA) 26 $4,220,000 $162,308 $3,604 5.88%
    MONROE, LA (FHA|USDA|VA) 1 $3,105,000 $3,105,000 $0 5.95%
    Frankfort, IN (FHA|USDA|VA) 15 $3,015,000 $201,000 $3,697 6.10%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $3,005,000 $3,005,000 $0 4.75%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 43 $2,765,000 $64,302 $0 6.98%
    MUNCIE, IN (FHA|USDA|VA) 3 $2,415,000 $805,000 $2,167 5.16%
    NILES, MI (FHA|USDA|VA) 9 $2,095,000 $232,778 $4,207 5.80%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 25 $1,865,000 $74,600 $3,069 6.93%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $1,145,000 $1,145,000 $17,405 5.13%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 11 $1,065,000 $96,818 $0 6.25%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 16 $1,040,000 $65,000 $0 6.78%
    Crawfordsville, IN (FHA|USDA|VA) 7 $1,035,000 $147,857 $5,335 5.11%
    Warsaw, IN (FHA|USDA|VA) 6 $900,000 $150,000 $2,493 5.83%
    KOKOMO, IN (FHA|USDA|VA) 6 $830,000 $138,333 $3,486 5.33%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 9 $785,000 $87,222 $0 6.47%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 7 $775,000 $110,714 $0 6.64%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 8 $590,000 $73,750 $0 6.66%
    ANN ARBOR, MI (FHA|USDA|VA) 7 $525,000 $75,000 $0 6.82%
    Outside of Metro Areas 5 $495,000 $99,000 $0 6.55%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 6 $490,000 $81,667 $0 6.75%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $485,000 $485,000 $3,532 5.50%
    BOISE CITY, ID (FHA|USDA|VA) 4 $480,000 $120,000 $0 6.63%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 8 $410,000 $51,250 $0 6.66%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $395,000 $395,000 $13,376 5.63%
    TOLEDO, OH (FHA|USDA|VA) 4 $330,000 $82,500 $0 6.03%
    Traverse City, MI (FHA|USDA|VA) 5 $325,000 $65,000 $0 6.80%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 3 $305,000 $101,667 $0 7.17%
    LEBANON, PA (FHA|USDA|VA) 3 $285,000 $95,000 $0 6.67%
    Seymour, IN (FHA|USDA|VA) 1 $285,000 $285,000 $6,996 7.63%
    MONROE, MI (FHA|USDA|VA) 4 $270,000 $67,500 $0 7.13%
    Richmond, IN (FHA|USDA|VA) 1 $265,000 $265,000 $3,388 3.88%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 4 $260,000 $65,000 $0 6.31%
    FORT COLLINS, CO (FHA|USDA|VA) 3 $245,000 $81,667 $0 6.67%
    LANCASTER, PA (FHA|USDA|VA) 3 $235,000 $78,333 $0 8.17%
    OCALA, FL (FHA|USDA|VA) 1 $235,000 $235,000 $8,474 7.13%
    GREELEY, CO (FHA|USDA|VA) 2 $230,000 $115,000 $0 7.13%
    MIDLAND, MI (FHA|USDA|VA) 1 $225,000 $225,000 $1,244 5.63%
    DULUTH, MN-WI (FHA|USDA|VA) 2 $220,000 $110,000 $0 6.25%
    FLINT, MI (FHA|USDA|VA) 4 $210,000 $52,500 $0 6.88%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 3 $205,000 $68,333 $0 7.17%
    Angola, IN (FHA|USDA|VA) 1 $205,000 $205,000 $0 5.00%
    STAUNTON, VA (FHA|USDA|VA) 2 $200,000 $100,000 $0 7.38%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 4 $200,000 $50,000 $0 7.94%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 2 $180,000 $90,000 $0 6.88%
    PITTSBURGH, PA (FHA|USDA|VA) 3 $175,000 $58,333 $0 7.08%
    Logansport, IN (FHA|USDA|VA) 2 $170,000 $85,000 $0 6.00%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 2 $170,000 $85,000 $0 7.00%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $165,000 $55,000 $0 6.58%
    Fergus Falls, MN (FHA|USDA|VA) 1 $165,000 $165,000 $0 6.00%
    EAU CLAIRE, WI (FHA|USDA|VA) 3 $165,000 $55,000 $0 7.67%
    London, KY (FHA|USDA|VA) 1 $145,000 $145,000 $0 6.00%
    KANKAKEE, IL (FHA|USDA|VA) 3 $145,000 $48,333 $0 6.92%
    JACKSON, MI (FHA|USDA|VA) 3 $145,000 $48,333 $0 6.75%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 4 $140,000 $35,000 $0 8.06%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $135,000 $135,000 $0 6.25%
    MUSKEGON, MI (FHA|USDA|VA) 2 $130,000 $65,000 $0 7.13%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 2 $130,000 $65,000 $0 6.50%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 2 $130,000 $65,000 $0 5.75%
    Decatur, IN (FHA|USDA|VA) 2 $120,000 $60,000 $2,218 5.56%
    DOVER, DE (FHA|USDA|VA) 2 $120,000 $60,000 $0 7.00%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $120,000 $60,000 $0 6.00%
    TERRE HAUTE, IN (FHA|USDA|VA) 1 $115,000 $115,000 $0 3.88%
    Kendallville, IN (FHA|USDA|VA) 1 $115,000 $115,000 $2,391 5.25%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $115,000 $115,000 $0 5.75%
    Huntington, IN (FHA|USDA|VA) 1 $105,000 $105,000 $2,852 6.75%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $105,000 $105,000 $3,040 6.13%
    Adrian, MI (FHA|USDA|VA) 2 $100,000 $50,000 $0 6.25%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $95,000 $95,000 $0 6.50%
    Red Wing, MN (FHA|USDA|VA) 1 $85,000 $85,000 $0 6.00%
    Breckenridge, CO (FHA|USDA|VA) 1 $85,000 $85,000 $0 8.50%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $80,000 $40,000 $0 6.63%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.50%
    ROCHESTER, MN (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.25%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.00%
    FOND DU LAC, WI (FHA|USDA|VA) 2 $70,000 $35,000 $0 6.63%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $70,000 $35,000 $0 6.88%
    Richmond-Berea, KY (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.50%
    RICHMOND, VA (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.25%
    TULSA, OK (FHA|USDA|VA) 1 $65,000 $65,000 $0 8.25%
    OCEAN CITY, NJ (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.75%
    Clarksburg, WV (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.25%
    YORK-HANOVER, PA (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.50%
    Sunbury, PA (FHA|USDA|VA) 1 $65,000 $65,000 $0 8.50%
    Durango, CO (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.75%
    SIOUX FALLS, SD (FHA|USDA|VA) 2 $60,000 $30,000 $0 6.00%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 2 $60,000 $30,000 $0 7.13%
    DECATUR, IL (FHA|USDA|VA) 2 $60,000 $30,000 $0 6.38%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.75%
    North Platte, NE (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.75%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.75%
    ROCHESTER, NY (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.75%
    Faribault-Northfield, MN (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.25%
    Stevens Point, WI (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.75%
    WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.75%
    Williston, ND (FHA|USDA|VA) 1 $55,000 $55,000 $0 9.00%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 2 $50,000 $25,000 $0 5.75%
    Beaver Dam, WI (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.00%
    UTICA-ROME, NY (FHA|USDA|VA) 1 $45,000 $45,000 $0 8.00%
    LAWRENCE, KS (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.25%
    DUBUQUE, IA (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.25%
    SHEBOYGAN, WI (FHA|USDA|VA) 1 $45,000 $45,000 $0 8.25%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.00%
    Helena, MT (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.75%
    MANHATTAN, KS (FHA|USDA|VA) 2 $40,000 $20,000 $0 7.25%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $35,000 $35,000 $0 6.50%
    RACINE, WI (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.75%
    Gillette, WY (FHA|USDA|VA) 1 $35,000 $35,000 $0 6.50%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $35,000 $35,000 $0 6.50%
    Ludington, MI (FHA|USDA|VA) 1 $35,000 $35,000 $0 6.00%
    Findlay, OH (FHA|USDA|VA) 1 $35,000 $35,000 $0 7.50%
    PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.00%
    SYRACUSE, NY (FHA|USDA|VA) 1 $25,000 $25,000 $0 7.25%
    Holland, MI (FHA|USDA|VA) 1 $25,000 $25,000 $0 7.25%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $25,000 $25,000 $0 7.75%
    WICHITA, KS (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.50%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $25,000 $25,000 $0 7.50%
    Sturgis, MI (FHA|USDA|VA) 1 $25,000 $25,000 $0 3.75%
    READING, PA (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.25%
    AMES, IA (FHA|USDA|VA) 1 $15,000 $15,000 $0 5.75%
    Centier Bank's top markets include Chicago, Indianapolis, Lafayette, Michigan City, and Dallas among others.

    Their top states include:
  • Indiana (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)
  • Louisiana (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
    Similarity Rank: 64
    Liberty Bank for Savings
    Similarity Rank: 116
    Fire Police City County Federal Credit Union
    Similarity Rank: 116
    Farmers State Bank
    Similarity Rank: 136
    FINANCIAL PLUS
    Similarity Rank: 198
    Mutual Savings Bank
    Similarity Rank: 268
    Independent Federal Credit Union
    Similarity Rank: 318
    Security Federal Savings Bank
    Similarity Rank: 325
    BEACON CREDIT UNION
    Similarity Rank: 372
    The Fountain Trust Company
    Similarity Rank: 425

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 1,682 $150,370,000 $89,400 n/a 6.22%
    Conventional 1,569 $617,975,000 $393,866 $3,204 5.57%
    FHA 74 $13,820,000 $186,757 $6,645 5.30%
    VA 3 $835,000 $278,333 $5,942 5.08%
    USDA 3 $355,000 $118,333 $3,286 4.50%

    For 2022, Centier Bank's most frequently originated type of loan was HELOC, with 1,682 originations. Their 2nd most popular type was Conventional, with 1,569 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,326 $584,590,000 $440,867 $3,961 5.66%
    Home Improvement 1,077 $83,665,000 $77,683 $824 6.28%
    Refi 465 $58,535,000 $125,882 $1,783 5.90%
    Other 289 $19,215,000 $66,488 $1,249 6.40%
    Cash Out Refi 174 $37,350,000 $214,655 $3,748 4.42%

    For 2022, Centier Bank's most frequently cited loan purpose was Home Purchase, with 1,326 originations. The 2nd most popular reason was Home Improvement, with 1,077 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    20 Year 1,859 $153,135,000 $82,375 $634 6.30%
    30 Year 906 $196,330,000 $216,700 $3,467 5.20%
    Other 199 $162,585,000 $817,010 $1,284 6.59%
    15 Year 134 $20,380,000 $152,090 $2,683 4.57%
    30+ year 88 $66,250,000 $752,841 $8,574 4.67%
    10 Year 73 $65,305,000 $894,589 $13 6.32%
    5 Year 61 $112,475,000 $1,843,852 $4 5.89%
    1 Year 9 $6,875,000 $763,889 $0 4.72%
    3 Year 2 $20,000 $10,000 $0 7.03%

    For 2022, Centier Bank's most frequently cited loan duration was 20 Year, with 1,859 originations. The 2nd most popular length was 30 Year, with 906 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 562 $89,410,000 $159,093
    $1k-2k 309 $79,945,000 $258,722
    $2k-3k 122 $33,630,000 $275,656
    $3k-4k 74 $23,460,000 $317,027
    $5k+ 69 $39,245,000 $568,768
    $4k-5k 42 $16,530,000 $393,571

    Centier Bank's average total fees were $3,467, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 562 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 1,032 $234,200,000 $226,938
    6-7% 750 $129,640,000 $172,853
    3-4% 443 $155,685,000 $351,433
    7-8% 438 $39,480,000 $90,137
    4-5% 374 $183,270,000 $490,027
    Over 8% 249 $13,455,000 $54,036
    2.5-3% 36 $25,690,000 $713,611
    <2.5% 9 $1,935,000 $215,000

    During 2022, Centier Bank's average interest rate for loans was 5.20%, while their most frequently originated rate bucket for loans was 5-6%, with 1,032 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,707 $83,945,000 $49,177 $1,098 6.44%
    $100k-200k 916 $126,140,000 $137,707 $2,812 5.51%
    $200k-400k 472 $126,250,000 $267,479 $4,203 5.23%
    $400k-600k 93 $44,435,000 $477,796 $5,437 4.93%
    $600k-1MM 75 $54,885,000 $731,800 $7,528 4.57%
    $1MM+ 68 $347,700,000 $5,113,235 $11,605 4.70%

    2022 saw Centier Bank place emphasis on $100,000 or less loans with 1,707 originations, totaling $83,945,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 747 $75,505,000 $101,078 $2,778 6.07%
    $100k-150k 683 $94,745,000 $138,719 $3,629 6.00%
    $50k or less 608 $58,420,000 $96,086 $2,705 5.76%
    $75k-100k 516 $56,700,000 $109,884 $3,332 6.06%
    $150k-250k 414 $81,250,000 $196,256 $4,999 5.81%
    $250k+ 192 $78,280,000 $407,708 $7,380 5.41%

    Centier Bank lent most frequently to those with incomes in the $50k-75k range, with 747 originations. The second most popular income band? $100k-150k, with 683 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 858 $94,550,000 $110,198 $2,791 5.96%
    30-36% 632 $81,860,000 $129,525 $3,245 6.03%
    <20% 409 $46,115,000 $112,751 $3,476 5.79%
    42% 236 $35,710,000 $151,314 $3,079 6.16%
    41% 148 $26,830,000 $181,284 $3,002 5.87%
    40% 143 $20,965,000 $146,608 $2,980 5.99%
    38% 127 $17,875,000 $140,748 $2,972 6.21%
    39% 124 $18,360,000 $148,065 $3,651 6.05%
    36% 123 $18,565,000 $150,935 $3,140 6.00%
    37% 117 $17,205,000 $147,051 $3,222 6.06%
    43% 80 $15,120,000 $189,000 $4,703 5.70%
    45% 42 $10,310,000 $245,476 $4,990 5.33%
    44% 35 $7,745,000 $221,286 $4,318 5.03%
    46% 30 $5,800,000 $193,333 $3,946 5.26%
    49% 30 $7,660,000 $255,333 $4,405 5.48%
    50-60% 28 $7,160,000 $255,714 $5,544 4.97%
    >60% 28 $12,400,000 $442,857 $4,886 5.12%
    48% 26 $5,180,000 $199,231 $3,988 4.97%
    47% 24 $5,390,000 $224,583 $3,697 4.77%

    Centier Bank lent most frequently to those with DTI ratios of 20-30%, with 858 originations. The next most common DTI ratio? 30-36%, with 632 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,546 $375,320,000 $147,416 $3,546 5.85%
    Not applicable 89 $327,805,000 $3,683,202 $0 5.22%
    Not provided 513 $51,645,000 $100,673 $2,180 6.19%
    Black 144 $18,940,000 $131,528 $2,482 6.12%
    Asian 28 $8,860,000 $316,429 $3,902 5.46%
    American Indian 9 $655,000 $72,778 $0 6.72%
    Asian Indian 1 $105,000 $105,000 $0 5.50%
    Native Hawaiian or Islander 1 $25,000 $25,000 $0 5.50%

    Approval Rates

    Total approvals of all applications
    86.38%

    Centier Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    59.53%

    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 $55,000 $55,000
    1001.82 1 $105,000 $105,000
    1113.02 1 $25,000 $25,000
    1159.23 1 $45,000 $45,000
    1239.72 1 $65,000 $65,000
    1250.0 17 $1,125,000 $66,176
    1283.27 1 $25,000 $25,000
    1330.88 1 $35,000 $35,000
    1367.41 1 $35,000 $35,000
    1387.11 1 $55,000 $55,000
    1443.15 1 $45,000 $45,000
    1450.0 1 $45,000 $45,000
    1533.61 1 $55,000 $55,000
    1702.01 1 $85,000 $85,000
    1738.53 1 $75,000 $75,000
    1821.64 1 $85,000 $85,000
    1874.22 1 $85,000 $85,000
    1899.0 2 $120,000 $60,000
    1978.0 1 $45,000 $45,000
    1978.01 1 $45,000 $45,000
    2000.0 1 $55,000 $55,000
    2039.31 1 $105,000 $105,000
    2103.46 1 $115,000 $115,000
    2230.93 1 $125,000 $125,000
    2243.35 1 $55,000 $55,000
    2260.22 1 $45,000 $45,000
    2350.0 1 $45,000 $45,000
    2354.98 1 $55,000 $55,000
    2390.0 1 $55,000 $55,000
    2399.0 1 $65,000 $65,000
    2399.75 1 $75,000 $75,000
    2431.75 1 $55,000 $55,000
    2473.72 1 $65,000 $65,000
    2491.18 1 $75,000 $75,000
    2506.6 1 $65,000 $65,000
    2521.37 1 $115,000 $115,000
    2550.0 1 $55,000 $55,000
    2674.2 1 $65,000 $65,000
    2700.0 1 $65,000 $65,000
    2798.48 1 $65,000 $65,000
    291.63 1 $25,000 $25,000
    2919.05 1 $65,000 $65,000
    2956.0 1 $75,000 $75,000
    2967.59 1 $95,000 $95,000
    2975.43 1 $65,000 $65,000
    3019.93 1 $65,000 $65,000
    3050.0 1 $75,000 $75,000
    3213.6 1 $105,000 $105,000
    3230.94 1 $105,000 $105,000
    3301.22 1 $75,000 $75,000
    3399.0 1 $115,000 $115,000
    340.0 1 $15,000 $15,000
    3530.15 1 $75,000 $75,000
    3760.94 1 $175,000 $175,000
    3762.0 1 $95,000 $95,000
    3845.0 1 $85,000 $85,000
    3965.12 1 $95,000 $95,000
    3975.89 1 $125,000 $125,000
    400.0 1 $15,000 $15,000
    4199.0 1 $125,000 $125,000
    4397.23 1 $105,000 $105,000
    4400.0 1 $115,000 $115,000
    4728.39 1 $125,000 $125,000
    4750.0 1 $115,000 $115,000
    4793.41 1 $115,000 $115,000
    4800.0 1 $145,000 $145,000
    4802.86 1 $155,000 $155,000
    4884.45 1 $125,000 $125,000
    4890.54 1 $115,000 $115,000
    5083.65 1 $145,000 $145,000
    5116.51 1 $145,000 $145,000
    5188.5 1 $125,000 $125,000
    522.41 1 $55,000 $55,000
    5379.47 1 $125,000 $125,000
    6324.02 1 $215,000 $215,000
    6324.48 1 $165,000 $165,000
    6740.29 1 $215,000 $215,000
    681.68 1 $65,000 $65,000
    700.0 2 $70,000 $35,000
    7422.89 1 $165,000 $165,000
    749.0 2 $110,000 $55,000
    799.0 14 $1,220,000 $87,143
    800.0 1 $15,000 $15,000
    889.97 1 $65,000 $65,000
    962.0 1 $15,000 $15,000
    969.53 1 $35,000 $35,000
    982.0 1 $25,000 $25,000
    999.0 198 $11,950,000 $60,354
    NA 3,014 $761,970,000 $252,810

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    3,331 $783,355,000 $235,171

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 680 $71,100,000 $104,559 $1,626 6.14%
    40-60% 315 $120,635,000 $382,968 $2,743 5.44%
    60-80% 592 $350,000,000 $591,216 $4,504 5.33%
    80-100% 855 $192,775,000 $225,468 $3,763 5.69%
    Over 100% 3 $1,885,000 $628,333 $11,839 4.92%
    Under 20% 886 $46,960,000 $53,002 $58 6.44%