Lender profile · HMDA 2023–2025
Centennial Bank mortgage approval rates & lending data
Centennial Bank decided 7,206 mortgage applications and funded 5,497 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
| Oklahoma | 56% | $225K | 9 | 5 |
| Tennessee | 89% | $315K | 9 | 8 |
| Missouri | 88% | $295K | 8 | 7 |
| New York | 38% | $385K | 8 | 3 |
| North Carolina | 75% | $515K | 8 | 6 |
| Georgia | 67% | $355K | 6 | 4 |
| Colorado | 100% | $365K | 5 | 5 |
| Arizona | 100% | $715K | 4 | 4 |
| California | 25% | $8.76M | 4 | 1 |
| Indiana | 50% | $215K | 4 | 2 |
| Pennsylvania | 100% | $165K | 4 | 4 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.