Meet The Right Mortgage Loan Officer

Centier Mortgage Loan Officers have been putting homes & dreams together for families since we were founded in 1895. We have a wide variety of mortgage products tailored to meet your needs. Our products range from first time homebuyer programs to refinances and construction loans. We work with you to find the right mortgage program to fit your circumstances.

Phil Kosmala

Phil Kosmala

Mortgage Loan Officer

NMLS #672865

Phil Kosmala

Phil is a seasoned banker, with nearly 20 years of lending experience. Over the course of his career, he has become a sought after expert for his knowledge of mortgage products and programs, including conventional, FHA, VA, rural housing and jumbo lending in Northeast Indiana. Phil also has many strong relationships with local builders and is respected as a loan partner who makes the construction loan process streamlined and efficient. He has helped many first time homebuyers achieve the dream of homeownership and is an active partner with the Indiana Housing and Community Development Authority (IHCDA) to provide down payment assistance and/or a mortgage credit certificate. Phil has also worked with Community Connections on their down payment assistance programs and has volunteered as an instructor in its homebuyer education classes.

Office: (260) 451-0767 X3211

Cell: (260) 403-6460

Fax: (260) 451-0776

› Email:

 9921 DuPont Circle Drive West
  Suite 110
  Fort Wayne, IN 46825

Today's Mortgage Rates

Actual mortgage interest rates & APRs may vary based on credit history. Rates displayed assume that an escrow account for property taxes and insurance(s) will be established at time of loan closing.

Conventional-Indiana Rate (%) APR (%) Points (%)
Conforming 30 Year Fixed Rate 4.500 4.553 0.000
Conforming 20 Year Fixed Rate 4.250 4.322 0.000
Conforming 15 Year Fixed Rate 3.500 3.591 0.000
ARM-Indiana Rate (%) APR (%) Points (%)
5 Year Adjustable Rate-Libor 3.625 3.431 0.000
7 Year Adjustable Rate-Libor 4.000 3.652 0.000
FHA-Indiana Rate (%) APR (%) Points (%)
FHA 30 Year Fixed Rate 3.875 5.408 0.000
FHA 15 Year Fixed Rate 3.500 4.524 0.000

Get A Personalized Quote

Available Home Loan Products

We offer a variety of mortgage loan products with great rates,
great service & low closing costs.

  • Conventional Fixed Rates
  • Conventional Adjustable Rates (ARM's)
  • FHA Fixed Rates
  • Jumbo Fixed Rates
  • Jumbo Adjustable Rates (ARM's)
  • Construction-Perm Loans
  • Indiana Housing & Community Development Loans

Thank you for choosing Centier Bank as your home mortgage lender. The following steps are critical to process your online mortgage application. Once you have completed your application, a Centier loan officer will contact you to discuss the application and answer any questions you may have. Your loan officer is also available to assist at any time during the mortgage process. At Centier, we pride ourselves on world class service and are happy to help you realize your dream of a new home.


In order for us to proceed with your loan request in a timely manner, we will need to receive copies of the following documents within 7 calendar days of your application:

  • Copies of all W-2’s and/or 1099 forms for all applicants for the past two years
  • Most recent pay stubs covering the last 30 days for all borrowers
  • Copies of the most recent bank statements for each checking, savings, money market, 401k, or any other depository accounts listed on your application
  • Application fee, paid either by credit card on the system, or check payable to Centier Bank
  • If you are purchasing a home, a legible copy of all pages of the Purchase Agreement signed by all buyers and sellers
  • IRS Form 4506T, “Request for Transcript of Tax Return,” signed by all applicants

Additional information specific to your loan request may also be required.

If the above documents are not provided to us within 7 calendar days of the application, we will assume you do not wish to proceed and we will give no further consideration to the application. Any costs incurred by Centier in conjunction with your loan application will be considered earned and are non-refundable.

I agree to the terms listed above and wish to continue with the online application.

Customer Quotes

“We enjoyed working with Phil through the process of obtaining our construction loan and mortgage. He did a great job of guiding us through this sometimes daunting process. He made the process simple and painless by ensuring we had everything needed to make it a smooth transition. His professionalism and dedication were evident in all of our interactions. Thanks again for the guidance you provided. ”
Tim & Kathy

Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act)

The SAFE Act requires Mortgage Loan Originators (MLOs) employed by federally insured depository institutions to register with the Nationwide Mortgage Licensing System and Registry (“the Registry”) and to maintain and renew their registration in that system annually. Click on the link below to view Centier employees registered with the Nationwide Mortgage Licensing System and Registry.

SAFE Act Registered Mortgage Originators


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