Centier Bank mortgage approval rate & lending review
Centier Bank decided 7,988 mortgage applications and funded 5,080 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Centier Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Centier Bank at a glance
Approval is 3.9 points above the 76.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 92% | 3,210 / 3,507 | 67% | $205K | 2,154 |
| Home improvement loans | 69% | 1,969 / 2,843 | 92% | $55K | 1,814 |
| Cash-out refinance | 69% | 93 / 134 | 100% | $175K | 93 |
| Refinance | 78% | 844 / 1,079 | 92% | $75K | 779 |
| Investment property purchase | 81% | 176 / 217 | 82% | $115K | 145 |
| Investment refinance | 68% | 49 / 72 | 86% | $115K | 42 |
| Investment home improvement | 44% | 54 / 124 | 89% | $65K | 48 |
Centier Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Indiana | 77% | $75K | 6,294 | 4,545 |
| Michigan | 93% | $55K | 551 | 171 |
| Pennsylvania | 90% | $85K | 225 | 51 |
| Illinois | 82% | $75K | 110 | 60 |
| New York | 94% | $75K | 101 | 23 |
| Ohio | 95% | $55K | 84 | 29 |
| Minnesota | 96% | $65K | 81 | 25 |
| New Jersey | 94% | $75K | 71 | 29 |
| Colorado | 88% | $85K | 68 | 22 |
| Texas | 91% | $65K | 64 | 11 |
| Idaho | 90% | $75K | 50 | 15 |
| Wisconsin | 85% | $45K | 33 | 16 |
| Maryland | 87% | $75K | 31 | 6 |
| Florida | 96% | $465K | 28 | 25 |
| Missouri | 96% | $45K | 26 | 7 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Centier Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lake County, IN | Home improvement loans | 66% | 1,298 | 775 |
| Lake County, IN | Mortgage lenders | 90% | 601 | 524 |
| Porter County, IN | Home improvement loans | 77% | 675 | 485 |
| Porter County, IN | Mortgage lenders | 93% | 416 | 376 |
| Lake County, IN | Refinance | 78% | 465 | 334 |
| Porter County, IN | Refinance | 88% | 243 | 205 |
| Marion County, IN | Mortgage lenders | 86% | 196 | 163 |
| LaPorte County, IN | Mortgage lenders | 93% | 160 | 147 |
| Tippecanoe County, IN | Mortgage lenders | 89% | 161 | 138 |
| LaPorte County, IN | Home improvement loans | 69% | 158 | 101 |
| Tippecanoe County, IN | Home improvement loans | 73% | 146 | 99 |
| St. Joseph County, IN | Mortgage lenders | 88% | 112 | 89 |
The county markets where Centier Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Centier Bank
What is Centier Bank's mortgage approval rate?
Centier Bank approved 80.1% of the 7,988 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.9 points above the 76.2% national rate for the same mix of loan types.
How often do borrowers take the loan Centier Bank offers?
Borrowers accepted 79% of the loans Centier Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Centier Bank make?
The typical home purchase mortgage loan Centier Bank made was $205K; across all loan types its typical loan ran from $55K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Centier Bank lend?
Centier Bank decided applications in 36 of the states Fat Boy Data covers, most of them in Indiana, Michigan and Pennsylvania.
Can I apply to Centier Bank directly?
Yes. Centier Bank is a bank or credit union with 63 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Centier Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Centier Bank treats applications, then get a rate quote from the lender.