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Centier Bank

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We analyzed every closed loan from Centier Bank 587 loans across 769 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · Jumbo
Place
Strong
4/5
Regional · 6 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and Jumbo loans

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Report Card

Centier Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+52.0 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 7 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume522
Mix88.9%
Spread
+0.520%Above
Fees
$663Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume38
Mix6.5%
Spread
+0.625%Above
Fees
$951Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Pull Through
Strong
Volume20
Mix3.4%
Spread
+0.134%Above
Fees
$283Credit

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume534
Mix91.0%
Spread
+0.521%Above
Fees
$597Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume53
Mix9.0%
Spread
+0.510%Above
Fees
$1,259Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
587
Applications
769
Volume
$166 million
Pricing & Closing
Avg Rate Spread
+0.520%
vs. market APOR
Avg Net Fees
$666
Origination − Credits
Pullthrough Rate
76.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$283,790
Avg Borrower Income
$106,080
Avg Property Value
$362,632

Geographic Coverage

Geographic Performance

Metro Areas
6
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

4
4 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest3
ILINMI
South1
FL

Top Metro Areas by Place Specialization Score

Volume 269Mix 45.83% of portfolio
99/100
Exceptional
2© 97angel · CC BY-SA 4.0
Michigan City, INMetro
Volume 46Mix 7.84% of portfolio
84/100
Exceptional
3© TheWxResearcher · CC0
Indianapolis, INMetro
Volume 105Mix 17.89% of portfolio
70/100
Strong
Volume 53Mix 9.03% of portfolio
69/100
Strong
Volume 22Mix 3.75% of portfolio
56/100
Sound
Volume 23Mix 3.92% of portfolio
55/100
Sound

Top States by Place Specialization Score

Indiana
Indiana
1
IndianaState
Volume 575Mix 97.96% of portfolio
83/100
Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.