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Centennial Bank
Bank|Conway, AR|Multi-Region
Loans Originated
1,860
Applications
3,324
Volume
$642 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Sound
Safe Rate Awards⭐FHA Superstar⭐VA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.372%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,787
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
56.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Report Card
Centennial Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Multi-Regional · 21 metro areas · 20 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$345,602
Average Borrower Income
$152,749
Average Property Value
$457,699
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% | $1,743 |
FHA Loans | Strong | Strong | Strong | Sound | 312 | 16.8% | +0.465% | $1,985 |
VA Loans | Strong | Strong | Sound | Strong | 115 | 6.2% | -0.275% | $2,064 |
Jumbo Loans | Sound | Strong | N/A | Sound | 81 | 4.4% | +0.515% | $1,153 |
USDA Loans | Strong | Exceptional | N/A | Sound | 44 | 2.4% | +0.266% | $1,561 |
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% | $1,761 |
Refinance | Sound | Strong | Acceptable | Sound | 131 | 7.0% | +0.507% | $2,073 |
Geographic Coverage
Metro Areas
20
States Served
20
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARCOFLGAINKSKYLAMOMSNCNMNYOKPASCTNTXUT
Top Metro Areas by Place Specialization Score
1
Little Rock, ARMSA
Volume: 241Mix: 12.96%
Place Specialization
Exceptional
2
Fayetteville, ARMSA
Volume: 418Mix: 22.47%
Place Specialization
Exceptional
3
Jonesboro, AR, ARMSA
Volume: 47Mix: 2.53%
Place Specialization
Exceptional
4
Panama City, FLMSA
Volume: 93Mix: 5.00%
Place Specialization
Strong
5
Amarillo, TX, TXMSA
Volume: 67Mix: 3.60%
Place Specialization
Strong
6
Dallas, TXMSA
Volume: 120Mix: 6.45%
Place Specialization
Strong
7
Tallahassee, FL, FLMSA
Volume: 41Mix: 2.20%
Place Specialization
Strong
8
Fort Worth, TXMSA
Volume: 69Mix: 3.71%
Place Specialization
Strong
9
Crestview, FLMSA
Volume: 37Mix: 1.99%
Place Specialization
Strong
10
Houston, TXMSA
Volume: 69Mix: 3.71%
Place Specialization
Sound
Showing 10 of 20 metro areas
Top States by Place Specialization Score
1
ARState
Volume: 882Mix: 47.42%
Place Specialization
Exceptional
2
TXState
Volume: 542Mix: 29.14%
Place Specialization
Strong
3
FLState
Volume: 379Mix: 20.38%
Place Specialization
Strong
4
MOState
Volume: 15Mix: 0.81%
Place Specialization
Sound
5
ALState
Volume: 13Mix: 0.70%
Place Specialization
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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