Centennial Bank mortgage approval rate & lending review
Centennial Bank decided 7,206 mortgage applications and funded 5,497 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Centennial Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Centennial Bank at a glance
Approval is 7.1 points below the 84.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 79% | 4,242 / 5,361 | 99% | $285K | 4,210 |
| Home improvement loans | 72% | 235 / 327 | 94% | $65K | 222 |
| Cash-out refinance | 64% | 207 / 323 | 98% | $175K | 202 |
| Refinance | 70% | 121 / 174 | 99% | $305K | 120 |
| Investment property purchase | 79% | 632 / 805 | 96% | $215K | 608 |
| Investment cash-out refinance | 56% | 31 / 55 | 100% | $125K | 31 |
| Investment refinance | 73% | 33 / 45 | 91% | $205K | 30 |
| Investment home improvement | 70% | 81 / 116 | 91% | $105K | 74 |
Centennial Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Arkansas | 82% | $285K | 3,143 | 2,540 |
| Texas | 76% | $265K | 2,063 | 1,540 |
| Florida | 72% | $295K | 1,805 | 1,280 |
| Alabama | 67% | $325K | 91 | 61 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Centennial Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Benton County, AR | Mortgage lenders | 89% | 860 | 760 |
| Faulkner County, AR | Mortgage lenders | 82% | 462 | 373 |
| Washington County, AR | Mortgage lenders | 87% | 408 | 353 |
| Pulaski County, AR | Mortgage lenders | 69% | 404 | 278 |
| Bay County, FL | Mortgage lenders | 79% | 334 | 262 |
| Dallas County, TX | Mortgage lenders | 85% | 234 | 197 |
| Craighead County, AR | Mortgage lenders | 78% | 150 | 117 |
| Randall County, TX | Mortgage lenders | 79% | 145 | 114 |
| Potter County, TX | Mortgage lenders | 70% | 109 | 75 |
| Okaloosa County, FL | Mortgage lenders | 96% | 78 | 74 |
| Saline County, AR | Mortgage lenders | 77% | 92 | 70 |
| Leon County, FL | Mortgage lenders | 76% | 86 | 65 |
The county markets where Centennial Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Centennial Bank
What is Centennial Bank's mortgage approval rate?
Centennial Bank approved 77.5% of the 7,206 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.1 points below the 84.6% national rate for the same mix of loan types.
How often do borrowers take the loan Centennial Bank offers?
Borrowers accepted 98% of the loans Centennial Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Centennial Bank make?
The typical home purchase mortgage loan Centennial Bank made was $285K; across all loan types its typical loan ran from $65K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Centennial Bank lend?
Centennial Bank decided applications in 32 of the states Fat Boy Data covers, most of them in Arkansas, Texas and Florida.
Can I apply to Centennial Bank directly?
Yes. Centennial Bank is a bank or credit union with 253 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Centennial Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Centennial Bank treats applications, then get a rate quote from the lender.