Centennial Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Centennial Bank 2012 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 | 2,425 |
| Total Mortgage Loan Application Amount | $495,540,000 |
| Average Mortgage Loan Application Amount | $157,000 |
| Highest Mortgage Loan Application Amount | $33,649,000 |
| Average Applicant Income | $90,666 |
| Highest Applicant Income | $4,254,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| 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 | 563 | $ 134,672,000 | $ 239,000 | $ 73,000 |
| Pulaski County Arkansas | 380 | $ 72,738,000 | $ 191,000 | $ 99,000 |
| Bay County Florida | 278 | $ 47,714,000 | $ 171,000 | $ 106,000 |
| Lonoke County Arkansas | 161 | $ 19,896,000 | $ 123,000 | $ 59,000 |
| Gulf County Florida | 122 | $ 22,142,000 | $ 181,000 | $ 119,000 |
| Monroe County Florida | 120 | $ 39,761,000 | $ 331,000 | $ 155,000 |
| White County Arkansas | 93 | $ 11,150,000 | $ 119,000 | $ 104,000 |
| Baldwin County Alabama | 90 | $ 16,265,000 | $ 180,000 | $ 87,000 |
| Franklin County Florida | 65 | $ 6,435,000 | $ 99,000 | $ 72,000 |
| Saline County Arkansas | 49 | $ 8,067,000 | $ 164,000 | $ 72,000 |
| Stone County Arkansas | 48 | $ 4,110,000 | $ 85,000 | $ 80,000 |
| Cleburne County Arkansas | 36 | $ 4,458,000 | $ 123,000 | $ 127,000 |
| Walton County Florida | 32 | $ 10,569,000 | $ 330,000 | $ 552,000 |
| Leon County Florida | 31 | $ 4,555,000 | $ 146,000 | $ 116,000 |
| Hillsborough County Florida | 30 | $ 4,089,000 | $ 136,000 | $ 84,000 |
| Wakulla County Florida | 28 | $ 2,306,000 | $ 82,000 | $ 105,000 |
| Okaloosa County Florida | 27 | $ 8,776,000 | $ 325,000 | $ 119,000 |
| Santa Rosa County Florida | 19 | $ 5,159,000 | $ 271,000 | $ 108,000 |
| Grant County Arkansas | 16 | $ 1,717,000 | $ 107,000 | $ 51,000 |
| Cleveland County Arkansas | 15 | $ 1,020,000 | $ 68,000 | $ 39,000 |
| Perry County Arkansas | 15 | $ 2,342,000 | $ 156,000 | $ 77,000 |
| Garland County Arkansas | 14 | $ 5,406,000 | $ 386,000 | $ 239,000 |
| Dallas County Arkansas | 11 | $ 631,000 | $ 57,000 | $ 95,000 |
| Jefferson County Arkansas | 10 | $ 1,064,000 | $ 106,000 | $ 52,000 |
| Van Buren County Arkansas | 10 | $ 962,000 | $ 96,000 | $ 126,000 |
| Conway County Arkansas | 9 | $ 1,628,000 | $ 180,000 | $ 54,000 |
| Orange County Florida | 9 | $ 3,828,000 | $ 425,000 | $ 86,000 |
| Seminole County Florida | 8 | $ 1,303,000 | $ 162,000 | $ 77,000 |
| Washington County Arkansas | 6 | $ 1,254,000 | $ 209,000 | $ 109,000 |
| Calhoun County Florida | 6 | $ 417,000 | $ 69,000 | $ 59,000 |
| Gadsden County Florida | 6 | $ 786,000 | $ 131,000 | $ 77,000 |
| Liberty County Florida | 6 | $ 636,000 | $ 106,000 | $ 44,000 |
| Pasco County Florida | 5 | $ 510,000 | $ 102,000 | $ 84,000 |
| Washington County Florida | 5 | $ 698,000 | $ 139,000 | $ 105,000 |
| Ouachita County Arkansas | 4 | $ 906,000 | $ 226,000 | $ 60,000 |
| Collier County Florida | 4 | $ 579,000 | $ 144,000 | $ 46,000 |
| Volusia County Florida | 4 | $ 1,732,000 | $ 433,000 | $ 104,000 |
| Shelby County Tennessee | 4 | $ 1,012,000 | $ 253,000 | $ 112,000 |
| Calhoun County Arkansas | 3 | $ 215,000 | $ 71,000 | $ 15,000 |
| Pope County Arkansas | 3 | $ 560,000 | $ 186,000 | $ 213,000 |
| Escambia County Florida | 3 | $ 889,000 | $ 296,000 | $ 150,000 |
| Jefferson County Florida | 3 | $ 450,000 | $ 150,000 | $ 40,000 |
| Lake County Florida | 3 | $ 454,000 | $ 151,000 | $ 26,000 |
| Lee County Florida | 3 | $ 492,000 | $ 164,000 | $ 91,000 |
| Travis County Texas | 3 | $ 913,000 | $ 304,000 | $ 154,000 |
| Williamson County Texas | 3 | $ 772,000 | $ 257,000 | $ 118,000 |
| Mobile County Alabama | 2 | $ 216,000 | $ 108,000 | $ 234,000 |
| Baxter County Arkansas | 2 | $ 191,000 | $ 95,000 | $ 69,000 |
| Craighead County Arkansas | 2 | $ 128,000 | $ 64,000 | $ 79,000 |
| Prairie County Arkansas | 2 | $ 192,000 | $ 96,000 | $ 44,000 |
| Woodruff County Arkansas | 2 | $ 192,000 | $ 96,000 | $ 29,000 |
| Brevard County Florida | 2 | $ 94,000 | $ 47,000 | $ 0 |
| Sumter County Florida | 2 | $ 259,000 | $ 129,000 | $ 68,000 |
| Hood County Texas | 2 | $ 370,000 | $ 185,000 | $ 113,000 |
| Houston County Alabama | 1 | $ 680,000 | $ 680,000 | $ 75,000 |
| Tuscaloosa County Alabama | 1 | $ 216,000 | $ 216,000 | $ 448,000 |
| Arkansas County Arkansas | 1 | $ 89,000 | $ 89,000 | $ 25,000 |
| Benton County Arkansas | 1 | $ 380,000 | $ 380,000 | $ 114,000 |
| Bradley County Arkansas | 1 | $ 15,000 | $ 15,000 | $ 36,000 |
| Columbia County Arkansas | 1 | $ 98,000 | $ 98,000 | $ 56,000 |
| Crawford County Arkansas | 1 | $ 126,000 | $ 126,000 | $ 48,000 |
| Hot Spring County Arkansas | 1 | $ 47,000 | $ 47,000 | $ 35,000 |
| Independence County Arkansas | 1 | $ 36,000 | $ 36,000 | $ 53,000 |
| Izard County Arkansas | 1 | $ 161,000 | $ 161,000 | $ 71,000 |
| Johnson County Arkansas | 1 | $ 81,000 | $ 81,000 | $ 51,000 |
| Lincoln County Arkansas | 1 | $ 89,000 | $ 89,000 | $ 57,000 |
| Marion County Arkansas | 1 | $ 79,000 | $ 79,000 | $ 54,000 |
| Pike County Arkansas | 1 | $ 148,000 | $ 148,000 | $ 40,000 |
| Poinsett County Arkansas | 1 | $ 93,000 | $ 93,000 | $ 40,000 |
| Randolph County Arkansas | 1 | $ 165,000 | $ 165,000 | $ 36,000 |
| Sebastian County Arkansas | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Union County Arkansas | 1 | $ 183,000 | $ 183,000 | $ 77,000 |
| El Paso County Colorado | 1 | $ 113,000 | $ 113,000 | $ 25,000 |
| Charlotte County Florida | 1 | $ 90,000 | $ 90,000 | $ 40,000 |
| Hernando County Florida | 1 | $ 190,000 | $ 190,000 | $ 102,000 |
| Highlands County Florida | 1 | $ 125,000 | $ 125,000 | $ 28,000 |
| Jackson County Florida | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Manatee County Florida | 1 | $ 119,000 | $ 119,000 | $ 210,000 |
| Marion County Florida | 1 | $ 147,000 | $ 147,000 | $ 64,000 |
| Martin County Florida | 1 | $ 212,000 | $ 212,000 | $ 123,000 |
| Miami-Dade County Florida | 1 | $ 280,000 | $ 280,000 | $ 172,000 |
| Sarasota County Florida | 1 | $ 143,000 | $ 143,000 | $ 81,000 |
| Suwannee County Florida | 1 | $ 125,000 | $ 125,000 | $ 63,000 |
| DeKalb County Georgia | 1 | $ 215,000 | $ 215,000 | $ 121,000 |
| Fulton County Georgia | 1 | $ 268,000 | $ 268,000 | $ 120,000 |
| Paulding County Georgia | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Winnebago County Illinois | 1 | $ 5,000 | $ 5,000 | $ 105,000 |
| Rapides County Louisiana | 1 | $ 168,000 | $ 168,000 | $ 82,000 |
| Rankin County Mississippi | 1 | $ 94,000 | $ 94,000 | $ 52,000 |
| Christian County Missouri | 1 | $ 88,000 | $ 88,000 | $ 55,000 |
| Greene County Missouri | 1 | $ 240,000 | $ 240,000 | $ 70,000 |
| Canadian County Oklahoma | 1 | $ 150,000 | $ 150,000 | $ 83,000 |
| Oklahoma County Oklahoma | 1 | $ 30,200,000 | $ 30,200,000 | $ 0 |
| Ottawa County Oklahoma | 1 | $ 152,000 | $ 152,000 | $ 76,000 |
| Woods County Oklahoma | 1 | $ 260,000 | $ 260,000 | $ 84,000 |
| Dallas County Texas | 1 | $ 220,000 | $ 220,000 | $ 92,000 |
| Denton County Texas | 1 | $ 160,000 | $ 160,000 | $ 78,000 |
| Harris County Texas | 1 | $ 674,000 | $ 674,000 | $ 250,000 |
| Tarrant County Texas | 1 | $ 123,000 | $ 123,000 | $ 40,000 |
| Taylor County Texas | 1 | $ 118,000 | $ 118,000 | $ 71,000 |
Mortgage Loan Application Detail Totals for Centennial Bank in 2012
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 | 1,238 | $291,867,000 | $235,000 | $33,649,000 | $104,000 | $4,254,000 |
| Refinancing | 1,052 | $197,049,000 | $187,000 | $4,082,000 | $96,000 | $2,258,000 |
| Home Improvement | 135 | $6,624,000 | $49,000 | $1,794,000 | $72,000 | $554,000 |
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 | 2,012 | $333,677,000 | $165,000 | $2,025,000 | $107,000 | $4,254,000 |
| Not applicable | 144 | $116,623,000 | $809,000 | $33,649,000 | $0 | $0 |
| Black or African American | 89 | $10,267,000 | $115,000 | $632,000 | $70,000 | $975,000 |
| Not Provided | 80 | $15,799,000 | $197,000 | $500,000 | $116,000 | $482,000 |
| Hispanic | 67 | $13,326,000 | $198,000 | $485,000 | $91,000 | $363,000 |
| Asian | 25 | $4,420,000 | $176,000 | $371,000 | $76,000 | $200,000 |
| American Indian or Alaskan Native | 4 | $690,000 | $172,000 | $300,000 | $55,000 | $81,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $738,000 | $184,000 | $368,000 | $58,000 | $86,000 |
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) | 1,883 | $408,277,000 | $216,000 | $33,649,000 | $111,000 | $4,254,000 |
| FHA-insured (Federal Housing Administration) | 278 | $41,342,000 | $148,000 | $432,000 | $54,000 | $207,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 134 | $16,759,000 | $125,000 | $306,000 | $42,000 | $97,000 |
| VA-guaranteed (Veterans Administration) | 130 | $29,162,000 | $224,000 | $713,000 | $72,000 | $233,000 |
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 | 1,796 | $388,021,000 | $216,000 | $33,649,000 | $99,000 | $4,254,000 |
| Application Withdrawn By Applicant | 309 | $56,967,000 | $184,000 | $4,082,000 | $111,000 | $2,107,000 |
| Application Denied By Financial Institution | 304 | $47,595,000 | $156,000 | $2,450,000 | $79,000 | $2,258,000 |
| Application Approved But Not Accepted | 14 | $2,777,000 | $198,000 | $476,000 | $136,000 | $360,000 |
| File Closed For Incompleteness | 2 | $180,000 | $90,000 | $107,000 | $49,000 | $54,000 |
| 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 | 122 | $16,441,000 | $134,000 | $2,450,000 | $54,000 | $576,000 |
| Debt-To-Income Ratio | 97 | $16,573,000 | $170,000 | $672,000 | $66,000 | $341,000 |
| Collateral | 46 | $7,540,000 | $163,000 | $417,000 | $118,000 | $777,000 |
| Other | 20 | $4,371,000 | $218,000 | $1,176,000 | $202,000 | $2,258,000 |
| Employment History | 7 | $816,000 | $116,000 | $268,000 | $48,000 | $95,000 |
| Credit Application Incomplete | 6 | $941,000 | $156,000 | $259,000 | $95,000 | $163,000 |
| Unverifiable Information | 5 | $624,000 | $124,000 | $223,000 | $81,000 | $156,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $289,000 | $289,000 | $289,000 | $92,000 | $92,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Centennial Bank's 2012 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.