Centennial Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
Centennial Bank 2010 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Centennial Bank Po Box 966 Conway, AR 72033 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 |
| Total Number of Mortgage Applications | 1,772 |
| Total Mortgage Loan Application Amount | $264,895,000 |
| Average Mortgage Loan Application Amount | $117,666 |
| Highest Mortgage Loan Application Amount | $2,490,000 |
| Average Applicant Income | $86,666 |
| Highest Applicant Income | $3,621,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 with Centennial Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Centennial Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2010 breaks down Centennial Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Centennial Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Centennial Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Centennial Bank's mortgage activity for 2010.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Faulkner County Arkansas | 434 | $ 60,966,000 | $ 140,000 | $ 115,000 |
| Pulaski County Arkansas | 357 | $ 55,317,000 | $ 154,000 | $ 110,000 |
| Bay County Florida | 178 | $ 29,551,000 | $ 166,000 | $ 73,000 |
| Lonoke County Arkansas | 107 | $ 12,020,000 | $ 112,000 | $ 69,000 |
| Monroe County Florida | 83 | $ 25,737,000 | $ 310,000 | $ 162,000 |
| White County Arkansas | 76 | $ 8,297,000 | $ 109,000 | $ 66,000 |
| Mobile County Alabama | 65 | $ 8,991,000 | $ 138,000 | $ 66,000 |
| Wakulla County Florida | 63 | $ 4,814,000 | $ 76,000 | $ 65,000 |
| Franklin County Florida | 53 | $ 6,894,000 | $ 130,000 | $ 73,000 |
| Cleburne County Arkansas | 43 | $ 5,656,000 | $ 131,000 | $ 132,000 |
| Saline County Arkansas | 33 | $ 5,031,000 | $ 152,000 | $ 63,000 |
| Stone County Arkansas | 31 | $ 2,341,000 | $ 75,000 | $ 79,000 |
| Leon County Florida | 31 | $ 3,112,000 | $ 100,000 | $ 52,000 |
| Calhoun County Florida | 24 | $ 1,761,000 | $ 73,000 | $ 50,000 |
| Baldwin County Alabama | 23 | $ 3,230,000 | $ 140,000 | $ 56,000 |
| Garland County Arkansas | 16 | $ 3,409,000 | $ 213,000 | $ 177,000 |
| Conway County Arkansas | 13 | $ 1,625,000 | $ 125,000 | $ 96,000 |
| Liberty County Florida | 12 | $ 1,112,000 | $ 92,000 | $ 53,000 |
| Gulf County Florida | 11 | $ 1,665,000 | $ 151,000 | $ 81,000 |
| Perry County Arkansas | 8 | $ 844,000 | $ 105,000 | $ 58,000 |
| Jefferson County Arkansas | 6 | $ 5,289,000 | $ 881,000 | $ 39,000 |
| Searcy County Arkansas | 5 | $ 312,000 | $ 62,000 | $ 78,000 |
| Collier County Florida | 5 | $ 459,000 | $ 91,000 | $ 83,000 |
| Jackson County Florida | 5 | $ 2,112,000 | $ 422,000 | $ 57,000 |
| Walton County Florida | 5 | $ 3,106,000 | $ 621,000 | $ 56,000 |
| Washington County Florida | 5 | $ 388,000 | $ 77,000 | $ 47,000 |
| Shelby County Tennessee | 5 | $ 883,000 | $ 176,000 | $ 104,000 |
| Charlotte County Florida | 4 | $ 226,000 | $ 56,000 | $ 54,000 |
| Bossier County Louisiana | 4 | $ 612,000 | $ 153,000 | $ 213,000 |
| Calhoun County Arkansas | 3 | $ 105,000 | $ 35,000 | $ 45,000 |
| Dallas County Arkansas | 3 | $ 75,000 | $ 25,000 | $ 64,000 |
| Van Buren County Arkansas | 3 | $ 348,000 | $ 116,000 | $ 348,000 |
| Okaloosa County Florida | 3 | $ 603,000 | $ 201,000 | $ 91,000 |
| Benton County Arkansas | 2 | $ 765,000 | $ 382,000 | $ 184,000 |
| Cleveland County Arkansas | 2 | $ 49,000 | $ 24,000 | $ 103,000 |
| Craighead County Arkansas | 2 | $ 196,000 | $ 98,000 | $ 15,000 |
| Washington County Arkansas | 2 | $ 48,000 | $ 24,000 | $ 42,000 |
| Gadsden County Florida | 2 | $ 202,000 | $ 101,000 | $ 65,000 |
| Lee County Florida | 2 | $ 311,000 | $ 155,000 | $ 101,000 |
| Orange County Florida | 2 | $ 932,000 | $ 466,000 | $ 115,000 |
| Santa Rosa County Florida | 2 | $ 513,000 | $ 256,000 | $ 108,000 |
| Seminole County Florida | 2 | $ 180,000 | $ 90,000 | $ 57,000 |
| St. Johns County Florida | 2 | $ 223,000 | $ 111,000 | $ 16,000 |
| Sumter County Florida | 2 | $ 202,000 | $ 101,000 | $ 55,000 |
| Jackson County Missouri | 2 | $ 134,000 | $ 67,000 | $ 31,000 |
| Madison County Alabama | 1 | $ 105,000 | $ 105,000 | $ 39,000 |
| Washington County Alabama | 1 | $ 148,000 | $ 148,000 | $ 72,000 |
| Baxter County Arkansas | 1 | $ 21,000 | $ 21,000 | $ 32,000 |
| Boone County Arkansas | 1 | $ 143,000 | $ 143,000 | $ 90,000 |
| Drew County Arkansas | 1 | $ 158,000 | $ 158,000 | $ 51,000 |
| Franklin County Arkansas | 1 | $ 47,000 | $ 47,000 | $ 41,000 |
| Howard County Arkansas | 1 | $ 189,000 | $ 189,000 | $ 94,000 |
| Jackson County Arkansas | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Poinsett County Arkansas | 1 | $ 34,000 | $ 34,000 | $ 230,000 |
| Sebastian County Arkansas | 1 | $ 172,000 | $ 172,000 | $ 365,000 |
| Duval County Florida | 1 | $ 225,000 | $ 225,000 | $ 43,000 |
| Escambia County Florida | 1 | $ 28,000 | $ 28,000 | $ 50,000 |
| Hernando County Florida | 1 | $ 70,000 | $ 70,000 | $ 33,000 |
| Hillsborough County Florida | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Jefferson County Florida | 1 | $ 265,000 | $ 265,000 | $ 51,000 |
| Miami-Dade County Florida | 1 | $ 473,000 | $ 473,000 | $ 144,000 |
| Nassau County Florida | 1 | $ 110,000 | $ 110,000 | $ 26,000 |
| Osceola County Florida | 1 | $ 123,000 | $ 123,000 | $ 0 |
| Palm Beach County Florida | 1 | $ 50,000 | $ 50,000 | $ 108,000 |
| Polk County Florida | 1 | $ 150,000 | $ 150,000 | $ 34,000 |
| St. Lucie County Florida | 1 | $ 56,000 | $ 56,000 | $ 27,000 |
| Clayton County Georgia | 1 | $ 98,000 | $ 98,000 | $ 57,000 |
| Gwinnett County Georgia | 1 | $ 128,000 | $ 128,000 | $ 103,000 |
| Cole County Missouri | 1 | $ 149,000 | $ 149,000 | $ 48,000 |
| Stone County Missouri | 1 | $ 210,000 | $ 210,000 | $ 85,000 |
| Alamance County North Carolina | 1 | $ 275,000 | $ 275,000 | $ 177,000 |
| Macon County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 57,000 |
| Mecklenburg County North Carolina | 1 | $ 220,000 | $ 220,000 | $ 78,000 |
| Mahoning County Ohio | 1 | $ 61,000 | $ 61,000 | $ 78,000 |
| Montgomery County Pennsylvania | 1 | $ 184,000 | $ 184,000 | $ 105,000 |
| Hidalgo County Texas | 1 | $ 122,000 | $ 122,000 | $ 138,000 |
Mortgage Loan Application Detail Totals for Centennial Bank in 2010
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 871 | $133,899,000 | $153,000 | $2,400,000 | $97,000 | $3,621,000 |
| Refinancing | 729 | $126,070,000 | $172,000 | $2,490,000 | $104,000 | $3,243,000 |
| Home Improvement | 172 | $4,926,000 | $28,000 | $519,000 | $59,000 | $659,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,499 | $225,021,000 | $150,000 | $2,351,000 | $108,000 | $3,621,000 |
| Not applicable | 155 | $25,246,000 | $162,000 | $2,490,000 | $3,000 | $540,000 |
| Black or African American | 59 | $6,952,000 | $117,000 | $1,275,000 | $54,000 | $255,000 |
| Hispanic | 31 | $4,118,000 | $132,000 | $417,000 | $68,000 | $201,000 |
| Not Provided | 14 | $1,473,000 | $105,000 | $242,000 | $93,000 | $217,000 |
| Asian | 13 | $2,047,000 | $157,000 | $296,000 | $65,000 | $250,000 |
| American Indian or Alaskan Native | 1 | $38,000 | $38,000 | $38,000 | $98,000 | $98,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,488 | $221,346,000 | $148,000 | $2,490,000 | $103,000 | $3,621,000 |
| FHA-insured (Federal Housing Administration) | 210 | $32,666,000 | $155,000 | $508,000 | $62,000 | $226,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 51 | $6,962,000 | $136,000 | $233,000 | $46,000 | $92,000 |
| VA-guaranteed (Veterans Administration) | 23 | $3,921,000 | $170,000 | $344,000 | $58,000 | $177,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,397 | $212,336,000 | $151,000 | $2,490,000 | $103,000 | $3,621,000 |
| Application Withdrawn By Applicant | 197 | $32,811,000 | $166,000 | $1,275,000 | $78,000 | $633,000 |
| Application Denied By Financial Institution | 170 | $17,879,000 | $105,000 | $816,000 | $54,000 | $462,000 |
| Application Approved But Not Accepted | 7 | $1,594,000 | $227,000 | $1,046,000 | $77,000 | $196,000 |
| File Closed For Incompleteness | 1 | $275,000 | $275,000 | $275,000 | $177,000 | $177,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 72 | $4,936,000 | $68,000 | $508,000 | $43,000 | $214,000 |
| Debt-To-Income Ratio | 55 | $6,702,000 | $121,000 | $417,000 | $54,000 | $225,000 |
| Collateral | 16 | $2,726,000 | $170,000 | $816,000 | $93,000 | $462,000 |
| Other | 11 | $1,445,000 | $131,000 | $224,000 | $57,000 | $130,000 |
| Employment History | 8 | $947,000 | $118,000 | $201,000 | $61,000 | $183,000 |
| Unverifiable Information | 3 | $188,000 | $62,000 | $83,000 | $24,000 | $32,000 |
| Credit Application Incomplete | 3 | $313,000 | $104,000 | $184,000 | $124,000 | $147,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $622,000 | $311,000 | $370,000 | $69,000 | $110,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Centennial Bank's 2010 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Centennial Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Arkansas, download the full spreadsheet
with aggregated HMDA statistics today.