Purchase Originations
608
Ranked #560 nationally
Median Total Costs
$2,832
−57.6% vs national ($6,680)
↑ $123 vs prior year
Median Rate
6.875%
+5.9% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$920
Median Lender Credits
$500
Cost Rank (500+ vol.)
#38
among lenders with 500+ originations
Denial Rate
3.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 554 | 6.875% | $2,663 | $920 |
| fha | 46 | 6.500% | $6,102 | $902 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,225 | 7.375% | — | 5 | −$1,607 | |
| 2 | $1,309 | 7.125% | — | 31 | −$1,523 | |
| 3 | $1,366 | 7.188% | — | 24 | −$1,466 | |
| 4 | $1,557 | 7.000% | — | 32 | −$1,275 | |
| 5 | $1,594 | 6.875% | — | 5 | −$1,238 | |
| 6 | $2,227 | 6.875% | — | 4 | −$605 | |
| 7 | $2,426 | 6.750% | — | 4 | −$406 | |
| 8 | $2,434 | 6.875% | — | 5 | −$398 | |
| 9 | $2,550 | 7.000% | — | 6 | −$282 | |
| 10 | $2,582 | 6.875% | — | 9 | −$250 | |
| 11 | $2,607 | 6.812% | — | 18 | −$225 | |
| 12 | $2,721 | 6.750% | — | 178 | −$111 | |
| 13 | $2,939 | 6.875% | — | 36 | +$107 | |
| 14 | $2,994 | 6.875% | — | 45 | +$162 | |
| 15 | $3,118 | 6.750% | — | 131 | +$286 | |
| 16 | $3,259 | 6.500% | — | 9 | +$427 | |
| 17 | $4,337 | 6.438% | — | 4 | +$1,505 | |
| 18 | $5,417 | 6.875% | — | 15 | +$2,585 | |
| 19 | $6,079 | 7.125% | — | 9 | +$3,247 | |
| 20 | $7,519 | 6.875% | — | 3 | +$4,687 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Centier Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $2,832 | $7,127 | −$4,295 (−60.3%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.