Meet the Right Loan Officer

Meet Our Team / Ryan Bender

Ryan Bender
NMLS #738035

Ryan Bender

As a member of Centier's Elkhart mortgage lending team, Ryan is a seasoned loan officer with over 18 years of experience. His knowledge of residential lending and enthusiasm to help families achieve their goal of home ownership make him a trusted resource for new and repeat homeowners.

A graduate of Purdue University, Ryan resides in Elkhart with his wife and children. He is a member of Trinity Lutheran Church, Elkhart Board of Realtors and the Builder's Association of Elkhart County.

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Today's Mortgage Rates

At Centier, we want to help you reach your goal of homeownership. Use our mortgage calculator to get an estimate of your monthly mortgage payment. You can also view today’s mortgage and interest rates or compare loan options.

Conventional-Indiana Rate (%) APR (%) Points (%) Rebate (%) Payment
Conforming 30 Year Fixed Rate 3.750 3.828 0.000 0.000
Conforming 20 Year Fixed Rate 3.625 3.733 0.000 0.000
Conforming 15 Year Fixed Rate 3.125 3.262 0.000 0.125
Service Transferred 30 Year Fixed Rate 3.875 3.954 0.000 0.375
VA-Indiana Rate (%) APR (%) Points (%) Rebate (%) Payment
VA 30 Year Fixed Rate 3.625 3.960 0.000 0.000
Jumbo-Indiana Rate (%) APR (%) Points (%) Rebate (%) Payment
Jumbo 30 Year Fixed Rate 4.000 4.079 0.000 0.375
Jumbo 15 Year Fixed Rate 3.375 3.513 0.000 0.000

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. The information provided assumes the 0.5% discount point provided through optional enrollment in the Auto-Transfer Discount Option which requires automatic deduction from an eligible Centier checking account. For additional checking account disclosures, click here.

Rates last updated on 8/19/2019

Available Home Loan Products

We offer a variety of mortgage loan products with competitive rates, great service and low closing costs. Contact us today and get started with your home loan.

  • Conventional Fixed and Adjustable Rate products
  • FHA and VA loans
  • Jumbo Fixed and Adjustable rate products
  • New Construction Lending with a one-time close and extended rate lock period
  • Lot Loans
  • Second and Vacation Home Loans
  • Indiana Housing and Community Development Loans

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Available Loan Products


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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