Centennial Lending
Centennial Lending has 68 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Mediocre
1/5
closing strength
Product
Sound
3/5
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 1 mkts
Summary
Things to Think About
- Pricing may be below industry average
- Pull through efficiency is below industry average
Explore another lender or local market
Report Card
Centennial Lending performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+8.2 bps above market avg
Pull Through
Closing strength
Mediocre
Bottom 20% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
FHA
Sound
Top 60% of lenders
VA
Acceptable
Bottom 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 2 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 | 34 | 50.0% | +0.159%Above | $3,564Fees | ||||
FHA Loans | — | 24 | 35.3% | +0.230%Above | $4,173Fees | |||
VA Loans | — | 10 | 14.7% | -0.480%Below | $3,077Fees |
Conventional
OverallAcceptable
ProductAcceptable
PricingAcceptable
Pull ThroughAcceptable
Volume34
Mix50.0%
Spread
+0.159%Above
Fees
$3,564Fees
FHA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume24
Mix35.3%
Spread
+0.230%Above
Fees
$4,173Fees
VA Loans
OverallAcceptable
ProductAcceptable
Pricing—
Pull ThroughAcceptable
Volume10
Mix14.7%
Spread
-0.480%Below
Fees
$3,077Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 54 | 79.4% | +0.056%Above | $3,832Fees | ||||
Refinance | — | 14 | 20.6% | +0.155%Above | $3,086Fees |
Purchase
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughAcceptable
Volume54
Mix79.4%
Spread
+0.056%Above
Fees
$3,832Fees
Refinance
OverallMediocre
ProductAcceptable
Pricing—
Pull ThroughMediocre
Volume14
Mix20.6%
Spread
+0.155%Above
Fees
$3,086Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
68
Applications
241
Volume
$18 million
Pricing & Closing
Avg Rate Spread
+0.082%
vs. market APOR
Avg Net Fees
$3,638
Origination − Credits
Pullthrough Rate
28.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$269,265
Avg Borrower Income
$95,515
Avg Property Value
$351,324
Geographic Coverage
Geographic Performance
Metro Areas
1
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
7Midwest2
IANE
South1
OK
West4
AZCOORWY
Top Metro Areas by Place Specialization Score
Volume 27Mix 39.71% of portfolio
68/100
StrongTop States by Place Specialization Score
1
WyomingState
Volume 39Mix 57.35% of portfolio
70/100
Strong2
ColoradoState
Volume 14Mix 20.59% of portfolio
48/100
Sound3
NebraskaState
Volume 10Mix 14.71% of portfolio
46/100
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.