Applications / Mortgage Analytics / Lenders / Indiana / Centier Bank
Whiting, IN · State non-member bank · FDIC · $9.7 billion assets · 1,890 loans in 2025
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1,890
loans originated, 2025
2,857
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Centier Bank is an Indiana bank of small loans, with home improvement 31.4% of its lending, that also buys far more loans from other lenders than similar banks do.
Purchases were 37.5% of its loans, home improvement 31.4% and refinances 22.3%. Its typical loan was $115,000, against $210,000 at similar lenders (state non-member banks making between half and twice as many loans), smaller than at more than nine in ten of them. It also bought 224 loans, against 1 at the typical peer.
Originations fell 6% to 1,890, while similar lenders grew 13% and the whole market 10%, and have fallen each year since the 5,093 of 2020. Its dollar volume still rose, from $464.0 million to $521.6 million, as its typical loan grew; fewer refinances since the low rates of 2020 could be one reason.
Its share in South Bend-Mishawaka rose. In Sebastian-Vero Beach-West Vero Corridor, which it entered in 2025, it took 0.6% of lending and ranked 43 of 366.
LMI (low- and moderate-income) borrowers took 32.9% of its loans, against 27.8% at similar lenders, a higher share than about seven in ten of them. Its shares in LMI areas, 14.8%, and majority-minority areas, 11.4%, were near the middle of its peers. Its purchase denial rate, 4.5%, was lower than peers' 6.4%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Centier Bank took 2,857 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 37.5% · Home improvement 31.4% · Refinance 22.3% · Other 8.7%
Conventional 96.9% · FHA 2.7% · VA 0.4% · USDA (RHS or FSA) 0.1% · of 1,890 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Indiana | 1,853 | 98.0% |
| Michigan | 16 | 0.8% |
| Illinois | 11 | 0.6% |
| Florida | 9 | 0.5% |
| Ohio | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lake County-Porter County-Jasper County | 1,123 |
| Indianapolis-Carmel-Greenwood | 236 |
| Lafayette-West Lafayette | 129 |
| Michigan City-La Porte | 104 |
| South Bend-Mishawaka | 84 |
| Elkhart-Goshen | 58 |
| Chicago-Naperville-Schaumburg | 11 |
| Fort Wayne | 11 |
| Niles | 7 |
| Naples-Marco Island | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SKTBTC2QFDKG02 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 783648 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312854 | 1990–2017 |
Established 21 April 1895. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Centier Bank's data.
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