Centier Bank
Centier Bank received 2,857 applications in 2025 and made 1,890 mortgages, in 239 counties across 28 states. The median rate its borrowers got was 8.500% on a median loan of $115,000. Of 2,548 decisions, 551 were denials — 21.6%, most often for credit history.
| Legal Entity Identifier | 549300SKTBTC2QFDKG02 |
|---|---|
| Applications received | 2,857 |
| Mortgages made | 1,890 |
| Denied | 551 |
| Approved, not taken up | 107 |
| Withdrawn or incomplete | 309 |
| Loans bought from other lenders | 224 |
| Median rate spread over the prime offer rate | 1.27 points |
| FDIC-insured bank | Yes: Centier Bank, 63 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 709 | 6.875% | $235,000 | 7.8% |
| Refinancing | 382 | 8.750% | $105,000 | 18.2% |
| Cash-out refinancing | 40 | 6.750% | $185,000 | 33.3% |
| Other purposes | 759 | 9.250% | $55,000 | 31.6% |
Where Centier Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lake County, IN | 671 | 8.500% | 24.8% |
| Porter County, IN | 410 | 8.500% | 15.9% |
| Tippecanoe County, IN | 108 | 7.750% | 18.8% |
| LaPorte County, IN | 104 | 8.500% | 18.3% |
| Marion County, IN | 88 | 8.000% | 29.3% |
| St. Joseph County, IN | 82 | 7.688% | 24.3% |
| Elkhart County, IN | 58 | 8.375% | 22.1% |
| Hamilton County, IN | 58 | 8.500% | 12.9% |
| Boone County, IN | 31 | 8.000% | 22.0% |
| Jasper County, IN | 29 | 8.250% | 17.1% |
| White County, IN | 29 | 7.000% | 12.1% |
| Marshall County, IN | 24 | 9.250% | 16.1% |
| Starke County, IN | 18 | 8.000% | 20.8% |
| Hancock County, IN | 15 | 8.000% | 16.7% |
| Hendricks County, IN | 14 | 8.375% | 28.6% |
| Johnson County, IN | 14 | 7.000% | 6.7% |
| Newton County, IN | 13 | 8.750% | 12.5% |
| Carroll County, IN | 11 | 6.875% | 7.7% |
| Allen County, IN | 10 | 8.000% | 54.6% |
| Cook County, IL | 8 | Under 10 loans | 20.0% |
| Shelby County, IN | 8 | Under 10 loans | 20.0% |
| Montgomery County, IN | 7 | Under 10 loans | 0.0% |
| Berrien County, MI | 7 | Under 10 loans | 12.5% |
| Benton County, IN | 6 | Under 10 loans | 33.3% |
| Henry County, IN | 5 | Under 10 loans | 28.6% |
| Collier County, FL | 4 | Under 10 loans | 0.0% |
| Clinton County, IN | 4 | Under 10 loans | 20.0% |
| Kosciusko County, IN | 4 | Under 10 loans | 0.0% |
| Madison County, IN | 4 | Under 10 loans | 42.9% |
| Warren County, IN | 4 | Under 10 loans | 0.0% |
| Howard County, IN | 3 | Under 10 loans | 25.0% |
| Morgan County, IN | 3 | Under 10 loans | 42.9% |
| Putnam County, IN | 3 | Under 10 loans | 0.0% |
| Lee County, FL | 2 | Under 10 loans | 0.0% |
| Will County, IL | 2 | Under 10 loans | 0.0% |
| Delaware County, IN | 2 | Under 10 loans | 33.3% |
| Fulton County, IN | 2 | Under 10 loans | 0.0% |
| Pulaski County, IN | 2 | Under 10 loans | 33.3% |
| Cass County, MI | 2 | Under 10 loans | 60.0% |
| Kent County, MI | 2 | Under 10 loans | 33.3% |
| Indian River County, FL | 1 | Under 10 loans | 0.0% |
| Osceola County, FL | 1 | Under 10 loans | 0.0% |
| St. Johns County, FL | 1 | Under 10 loans | 0.0% |
| DuPage County, IL | 1 | Under 10 loans | 0.0% |
| Bartholomew County, IN | 1 | Under 10 loans | 0.0% |
| Floyd County, IN | 1 | Under 10 loans | 0.0% |
| Fountain County, IN | 1 | Under 10 loans | 50.0% |
| Monroe County, IN | 1 | Under 10 loans | 0.0% |
| Noble County, IN | 1 | Under 10 loans | 50.0% |
| Parke County, IN | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.