# Centier Bank

> **Canonical URL:** https://saferate.com/lenders/centier-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Centier Bank is a bank, headquartered in Whiting, IN, serving borrowers across 4 states, with 587 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 43% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 28% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300SKTBTC2QFDKG02
- **Headquarters:** Whiting, IN
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** FL, IL, IN, MI
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 57/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 72/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.520%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $666
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 587
- **Dollar Volume:** $167 million
- **Applications Received:** 769
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $283,790
- **Average Borrower Income:** $106,080
- **Average Property Value:** $362,632

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 70/100 | 522 | +0.520% | $663 | Strong 😀 |
| FHA | 58/100 | 38 | +0.625% | $951 | Sound ☺️ |
| Jumbo | 69/100 | 20 | +0.134% | $-283 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 472 loans, Score: 70/100 (Strong)
- Refinance: 50 loans, Score: 57/100 (Sound)

**FHA:**
- Purchase: 37 loans, Score: 58/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 69/100 | 534 | $156M | +0.521% | Strong 😀 |
| Refinance | 55/100 | 53 | $11M | +0.510% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IN | 575 | 0.63% | 83/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Lake County | IN | 269 | 99/100 |
| Indianapolis | IN | 105 | 70/100 |
| Non |  | 55 | 44/100 |
| Lafayette | IN | 53 | 69/100 |
| Michigan City | IN | 46 | 84/100 |
| South Bend | IN-MI | 23 | 55/100 |
| Elkhart | IN | 22 | 56/100 |

## Where This Lender Ranks

Centier Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Michigan City for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/michigan-city/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Michigan City for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/michigan-city/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Michigan City
  - [View Full Rankings](https://saferate.com/michigan-city/best-mortgage-lenders)
- 🥉 **#3** in Michigan City Banks
  - [View Full Rankings](https://saferate.com/michigan-city/best-mortgage-lenders/banks)
- 🥉 **#3** in Michigan City for Conventional Loans
  - [View Full Rankings](https://saferate.com/michigan-city/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in Lafayette Banks
  - [View Full Rankings](https://saferate.com/lafayette/best-mortgage-lenders/banks)
- 🏆 **#5** in Lake County for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lake-county/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in Lafayette for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lafayette/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#6** in Elkhart Banks
  - [View Full Rankings](https://saferate.com/elkhart/best-mortgage-lenders/banks)
- 🏆 **#7** in Indiana for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#7** in Lake County for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lake-county/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#7** in Elkhart for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/elkhart/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#8** in Lake County Banks
  - [View Full Rankings](https://saferate.com/lake-county/best-mortgage-lenders/banks)
- 🏆 **#8** in Lake County for Conventional Loans
  - [View Full Rankings](https://saferate.com/lake-county/best-mortgage-lenders/conventional-loans)
- 🏆 **#8** in Michigan City for FHA Loans
  - [View Full Rankings](https://saferate.com/michigan-city/best-mortgage-lenders/fha-loans)
- 🏆 **#9** in Lafayette
  - [View Full Rankings](https://saferate.com/lafayette/best-mortgage-lenders)
- 🏆 **#10** in Lake County
  - [View Full Rankings](https://saferate.com/lake-county/best-mortgage-lenders)
- 🏆 **#10** in South Bend Banks
  - [View Full Rankings](https://saferate.com/south-bend/best-mortgage-lenders/banks)
- 🏆 **#11** in Indianapolis for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/indianapolis/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#11** in Lafayette for Conventional Loans
  - [View Full Rankings](https://saferate.com/lafayette/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Centier Bank offer?

Centier Bank offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Centier Bank offer mortgages?

Centier Bank offers mortgages in 4 states: FL, IL, IN, MI.

### How competitive are Centier Bank's mortgage rates?

Centier Bank has a pricing score of 57/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.520% above market average.

### What type of lender is Centier Bank?

Centier Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Whiting, IN.

### What is Centier Bank's loan approval success rate?

Centier Bank has a pull-through score of 72/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/centier-bank

### How to Cite

> "Centier Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/centier-bank

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