# CENTRIS

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


> **📋 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


CENTRIS is a credit union, headquartered in Omaha, NE, serving borrowers across 2 states, with 232 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 24% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 40% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300TTNSX94TR06G13
- **Headquarters:** Omaha, NE
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** IA, NE
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 76/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 60/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.161%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,068
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 232
- **Dollar Volume:** $56 million
- **Applications Received:** 347
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $241,853
- **Average Borrower Income:** $117,220
- **Average Property Value:** $325,733

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 57/100 | 231 | +0.161% | $1,068 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 184 loans, Score: 55/100 (Sound)
- Refinance: 47 loans, Score: 57/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 53/100 | 185 | $47M | +0.116% | Sound ☺️ |
| Refinance | 55/100 | 47 | $9M | +0.332% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NE | 208 | 0.97% | 81/100 |
| IA | 24 | 0.07% | 51/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Omaha, NE | NE-IA | 214 | 86/100 |
| Non |  | 11 | 24/100 |

## Where This Lender Ranks

CENTRIS appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Omaha, NE Credit Unions
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Nebraska Credit Unions
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Omaha, NE for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Nebraska for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#10** in Omaha, NE
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders)
- 🏆 **#12** in Nebraska
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does CENTRIS offer?

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

### Where does CENTRIS offer mortgages?

CENTRIS offers mortgages in 2 states: IA, NE.

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

CENTRIS has a pricing score of 76/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.161% above market average.

### What type of lender is CENTRIS?

CENTRIS is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Omaha, NE.

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

CENTRIS has a pull-through score of 60/100 (Strong). 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/centris

### How to Cite

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

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