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 score and performance metrics.

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 an overall pricing score of 48.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Centennial Bank?

Centennial Bank is a Bank headquartered in Conway, AR.

Unclaimed

Centennial Bank

Bank•Conway, AR•Direct to Consumer

We analyzed every closed loan from Centennial Bank — 1.9k loans across 3k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Sound

vs. all lenders

Pull Through

Sound

closing strength

Products

Exceptional

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

Multi-Region · 20 mkts

Safe Rate Awards⭐FHA Superstar⭐VA Superstar

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Safe Rate's Summary

What They Do Well

Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans

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Report Card

Centennial Bank performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Sound	Industry Standard +37.2 bps above market avg
Pull Through Closing strength	Sound	Industry Standard Top 60% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
Jumbo	Strong	Highly Competitive Top 40% of lenders
USDA	Exceptional	Market Leader Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Multi-Regional21 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Sound	Sound	1,308	70.3%	+0.392%Above	$1,743Fees
FHA Loans	Strong	Strong	Strong	Sound	312	16.8%	+0.465%Above	$1,985Fees
VA Loans	Strong	Strong	Sound	Strong	115	6.2%	-0.275%Below	$2,064Fees
Jumbo Loans	Sound	Strong	—	Sound	81	4.4%	+0.515%Above	$1,153Fees
USDA Loans	Strong	Exceptional	—	Sound	44	2.4%	+0.266%Above	$1,561Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Sound	Sound	1,729	93.0%	+0.361%Above	$1,761Fees
Refinance	Sound	Strong	Acceptable	Sound	131	7.0%	+0.507%Above	$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

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALARCOFLGAINKSKYLAMOMSNCNMNYOKPASCTNTXUT

Top Metro Areas by Place Specialization Score

Little Rock, ARMSA

Volume: 241Mix: 12.96%of portfolio

Place

Exceptional

Fayetteville, ARMSA

Volume: 418Mix: 22.47%of portfolio

Place

Exceptional

Jonesboro, AR, ARMSA

Volume: 47Mix: 2.53%of portfolio

Place

Exceptional

Panama City, FLMSA

Volume: 93Mix: 5.00%of portfolio

Place

Strong

Amarillo, TX, TXMSA

Volume: 67Mix: 3.60%of portfolio

Place

Strong

Dallas, TXMSA

Volume: 120Mix: 6.45%of portfolio

Place

Strong

Tallahassee, FL, FLMSA

Volume: 41Mix: 2.20%of portfolio

Place

Strong

Fort Worth, TXMSA

Volume: 69Mix: 3.71%of portfolio

Place

Strong

Crestview, FLMSA

Volume: 37Mix: 1.99%of portfolio

Place

Strong

Houston, TXMSA

Volume: 69Mix: 3.71%of portfolio

Place

Sound

Showing 10 of 20 metro areas

Top States by Place Specialization Score

ARState

Volume: 882Mix: 47.42%of portfolio

Place

Exceptional

TXState

Volume: 542Mix: 29.14%of portfolio

Place

Strong

FLState

Volume: 379Mix: 20.38%of portfolio

Place

Strong

MOState

Volume: 15Mix: 0.81%of portfolio

Place

Sound

ALState

Volume: 13Mix: 0.70%of portfolio

Place

Sound

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.