# CENTRIC

> **Canonical URL:** https://saferate.com/lenders/centric


> **📋 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


CENTRIC is a credit union, headquartered in West Monroe, LA, serving borrowers across 2 states, with 43 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 65% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 77% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300TCR1BZRVOO2A49
- **Headquarters:** West Monroe, LA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** AR, LA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 35/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 23/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.741%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,604
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 43
- **Dollar Volume:** $7 million
- **Applications Received:** 112
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $161,977
- **Average Borrower Income:** $73,791
- **Average Property Value:** $197,558

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 45/100 | 43 | +0.741% | $1,604 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 26 loans, Score: 39/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 35/100 | 26 | $5M | +0.805% | Acceptable 🙂 |
| Refinance | 48/100 | 17 | $2M | +0.643% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| LA | 42 | 0.12% | 63/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Monroe, LA | LA | 33 | 72/100 |
| Non |  | 10 | 29/100 |

## Where This Lender Ranks

CENTRIC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#15** in Monroe, LA
  - [View Full Rankings](https://saferate.com/monroe-la/best-mortgage-lenders)
- 🏆 **#16** in Monroe, LA for Conventional Loans
  - [View Full Rankings](https://saferate.com/monroe-la/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does CENTRIC offer?

CENTRIC offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CENTRIC offer mortgages?

CENTRIC offers mortgages in 2 states: AR, LA.

### How competitive are CENTRIC's mortgage rates?

CENTRIC has a pricing score of 35/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.741% above market average.

### What type of lender is CENTRIC?

CENTRIC is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in West Monroe, LA.

### What is CENTRIC's loan approval success rate?

CENTRIC has a pull-through score of 23/100 (Acceptable). 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/centric

### How to Cite

> "CENTRIC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/centric

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**[View Interactive Profile →](https://saferate.com/lenders/centric)**