# Centennial Bank

> **Canonical URL:** https://saferate.com/lenders/centennial-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Centennial Bank is a bank, headquartered in Conway, AR, serving borrowers across 20 states, with 1,860 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 52% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 44% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300BEFX6JRSCS5N78
- **Headquarters:** Conway, AR
- **Geographic Reach:** Multi-Region
- **States Served:** 20
- **State List:** AL, AR, CO, FL, GA, IN, KS, KY, LA, MO, MS, NC, NM, NY, OK, PA, SC, TN, TX, UT
- **Markets (MSAs):** 21
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 48/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 56/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.372%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,787
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,860
- **Dollar Volume:** $643 million
- **Applications Received:** 3,324
- **Market Share:** 5.00%

## Typical Borrower Profile

- **Average Loan Amount:** $345,602
- **Average Borrower Income:** $152,749
- **Average Property Value:** $457,699

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (64%)
- ⭐ **VA Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 77/100 | 1,308 | +0.392% | $1,743 | Strong 😀 |
| FHA | 75/100 | 312 | +0.465% | $1,985 | Strong 😀 |
| VA | 74/100 | 115 | -0.275% | $2,064 | Strong 😀 |
| Jumbo | 75/100 | 81 | +0.515% | $1,153 | Strong 😀 |
| USDA | 81/100 | 44 | +0.266% | $1,561 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,192 loans, Score: 77/100 (Strong)
- Refinance: 116 loans, Score: 63/100 (Strong)

**FHA:**
- Purchase: 307 loans, Score: 75/100 (Strong)

**VA:**
- Purchase: 108 loans, Score: 74/100 (Strong)

**Jumbo:**
- Purchase: 78 loans, Score: 77/100 (Strong)

**USDA:**
- Purchase: 44 loans, Score: 81/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 78/100 | 1,729 | $603M | +0.361% | Strong 😀 |
| Refinance | 61/100 | 131 | $39M | +0.507% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AR | 882 | 2.74% | 90/100 |
| TX | 542 | 0.15% | 74/100 |
| FL | 379 | 0.13% | 70/100 |
| MO | 15 | 0.02% | 41/100 |
| AL | 13 | 0.02% | 40/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Fayetteville | AR | 418 | 89/100 |
| Non |  | 362 | 68/100 |
| Little Rock | AR | 241 | 89/100 |
| Dallas | TX | 120 | 66/100 |
| Panama City | FL | 93 | 78/100 |
| Fort Worth | TX | 69 | 63/100 |
| Houston | TX | 69 | 58/100 |
| Amarillo, TX | TX | 67 | 66/100 |
| Jonesboro, AR | AR | 47 | 81/100 |
| Tallahassee, FL | FL | 41 | 64/100 |
| Crestview | FL | 37 | 62/100 |
| Lubbock, TX | TX | 36 | 57/100 |
| Orlando | FL | 36 | 53/100 |
| San Antonio | TX | 34 | 52/100 |
| Pensacola | FL | 22 | 51/100 |

## Where This Lender Ranks

Centennial Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Panama City for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/panama-city/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Amarillo, TX for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Panama City for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/panama-city/best-mortgage-lenders/banks/va-loans)
- 🏆 **#4** in Amarillo, TX Banks
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/banks)
- 🏆 **#4** in Amarillo, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Crestview for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/crestview/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#5** in Jonesboro, AR for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#5** in Tallahassee, FL for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/tallahassee-fl/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#6** in Arkansas for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#6** in Fayetteville for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/fayetteville/best-mortgage-lenders/banks/va-loans)
- 🏆 **#6** in Jonesboro, AR Banks
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/banks)
- 🏆 **#6** in Lubbock, TX Banks
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/banks)
- 🏆 **#7** in Arkansas for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#7** in Fayetteville for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/fayetteville/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#7** in Jonesboro, AR for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in Lubbock, TX for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#8** in Arkansas for Jumbo Loans
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/jumbo-loans)
- 🏆 **#8** in Little Rock for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/banks/va-loans)
- 🏆 **#8** in Panama City for FHA Loans
  - [View Full Rankings](https://saferate.com/panama-city/best-mortgage-lenders/fha-loans)
- 🏆 **#8** in Tallahassee, FL Banks
  - [View Full Rankings](https://saferate.com/tallahassee-fl/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does Centennial Bank offer?

Centennial Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Centennial Bank offer mortgages?

Centennial Bank offers mortgages in 20 states: AL, AR, CO, FL, GA, IN, KS, KY, LA, MO, MS, NC, NM, NY, OK, PA, SC, TN, TX, UT.

### How competitive are Centennial Bank's mortgage rates?

Centennial Bank has a pricing score of 48/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.372% above market average.

### What type of lender is Centennial Bank?

Centennial Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Conway, AR.

### What is Centennial Bank's loan approval success rate?

Centennial Bank has a pull-through score of 56/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/centennial-bank

### How to Cite

> "Centennial Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/centennial-bank

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