We analyzed every closed loan from Centennial Bank — 1.9k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
3/5
Multi-Region · 20 mkts
Awards
FHA
Superstar
VA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Explore another lender or local market
Report Card
Centennial Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+37.2 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
USDA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 21 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,308 | 70.3% | +0.392%Above | $1,743Fees | ||||
FHA Loans | 312 | 16.8% | +0.465%Above | $1,985Fees | ||||
VA Loans | 115 | 6.2% | -0.275%Below | $2,064Fees | ||||
Jumbo Loans | — | 81 | 4.4% | +0.515%Above | $1,153Fees | |||
USDA Loans | — | 44 | 2.4% | +0.266%Above | $1,561Fees |
Conventional
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume1,308
Mix70.3%
Spread
+0.392%Above
Fees
$1,743Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume312
Mix16.8%
Spread
+0.465%Above
Fees
$1,985Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume115
Mix6.2%
Spread
-0.275%Below
Fees
$2,064Fees
Jumbo Loans
OverallSound
ProductStrong
Pricing—
Pull ThroughSound
Volume81
Mix4.4%
Spread
+0.515%Above
Fees
$1,153Fees
USDA Loans
OverallStrong
ProductExceptional
Pricing—
Pull ThroughSound
Volume44
Mix2.4%
Spread
+0.266%Above
Fees
$1,561Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,729 | 93.0% | +0.361%Above | $1,761Fees | ||||
Refinance | 131 | 7.0% | +0.507%Above | $2,073Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughSound
Volume1,729
Mix93.0%
Spread
+0.361%Above
Fees
$1,761Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume131
Mix7.0%
Spread
+0.507%Above
Fees
$2,073Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,860
Applications
3,324
Volume
$642 million
Pricing & Closing
Avg Rate Spread
+0.372%
vs. market APOR
Avg Net Fees
$1,787
Origination − Credits
Pullthrough Rate
56.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$345,602
Avg Borrower Income
$152,749
Avg Property Value
$457,699
Geographic Coverage
Geographic Performance
Metro Areas
20
markets with activity
States Served
20
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
20Northeast2
NYPA
Midwest3
INKSMO
South12
ALARFLGAKYLAMSNCOKSCTNTX
West3
CONMUT
Top Metro Areas by Place Specialization Score
Volume 241Mix 12.96% of portfolio
89/100
Exceptional
Volume 418Mix 22.47% of portfolio
89/100
Exceptional
Volume 47Mix 2.53% of portfolio
81/100
Exceptional
Volume 93Mix 5.00% of portfolio
78/100
Strong
Volume 67Mix 3.60% of portfolio
66/100
Strong
Volume 120Mix 6.45% of portfolio
66/100
Strong
Volume 41Mix 2.20% of portfolio
64/100
Strong
8© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 69Mix 3.71% of portfolio
63/100
Strong
Volume 37Mix 1.99% of portfolio
62/100
Strong
Volume 69Mix 3.71% of portfolio
58/100
SoundShowing 10 of 20 metro areas
Top States by Place Specialization Score
1
ArkansasState
Volume 882Mix 47.42% of portfolio
90/100
Exceptional2
TexasState
Volume 542Mix 29.14% of portfolio
74/100
Strong3
FloridaState
Volume 379Mix 20.38% of portfolio
70/100
Strong4
MissouriState
Volume 15Mix 0.81% of portfolio
41/100
Sound5
AlabamaState
Volume 13Mix 0.70% of portfolio
40/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.