Centennial Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019

Centennial Bank 2019 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 4,849
Total Mortgage Loan Application Amount $1,194,635,000
Average Mortgage Loan Application Amount $217,200
Highest Mortgage Loan Application Amount $36,605,000
Average Applicant Income $121,600
Highest Applicant Income $9,000,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.

Mortgage Loan Application Totals for Centennial Bank by County in 2019

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 552 $ 109,320,000 $ 198,000 $ 92,000
Pulaski County Arkansas 388 $ 66,830,000 $ 172,000 $ 100,000
Bay County Florida 244 $ 55,780,000 $ 228,000 $ 118,000
Craighead County Arkansas 220 $ 39,770,000 $ 180,000 $ 97,000
Benton County Arkansas 181 $ 44,345,000 $ 245,000 $ 104,000
Osceola County Florida 147 $ 41,195,000 $ 280,000 $ 174,000
Washington County Arkansas 146 $ 30,360,000 $ 207,000 $ 100,000
Lonoke County Arkansas 144 $ 23,190,000 $ 161,000 $ 82,000
Gulf County Florida 140 $ 34,690,000 $ 247,000 $ 121,000
Okaloosa County Florida 126 $ 36,420,000 $ 289,000 $ 148,000
Monroe County Florida 118 $ 57,060,000 $ 483,000 $ 181,000
Leon County Florida 113 $ 20,255,000 $ 179,000 $ 87,000
Baldwin County Alabama 103 $ 24,325,000 $ 236,000 $ 107,000
White County Arkansas 99 $ 13,685,000 $ 138,000 $ 78,000
Pope County Arkansas 96 $ 9,660,000 $ 100,000 $ 61,000
Walton County Florida 90 $ 32,200,000 $ 357,000 $ 170,000
Escambia County Florida 89 $ 20,355,000 $ 228,000 $ 178,000
Broward County Florida 81 $ 36,135,000 $ 446,000 $ 260,000
Saline County Arkansas 76 $ 14,010,000 $ 184,000 $ 75,000
Hillsborough County Florida 74 $ 31,360,000 $ 423,000 $ 184,000
Pasco County Florida 72 $ 15,750,000 $ 218,000 $ 105,000
Santa Rosa County Florida 71 $ 18,985,000 $ 267,000 $ 120,000
Conway County Arkansas 70 $ 7,540,000 $ 107,000 $ 60,000
Orange County Florida 68 $ 22,320,000 $ 328,000 $ 279,000
Pinellas County Florida 66 $ 19,690,000 $ 298,000 $ 159,000
Wakulla County Florida 66 $ 8,570,000 $ 129,000 $ 64,000
Franklin County Florida 64 $ 12,630,000 $ 197,000 $ 117,000
Greene County Arkansas 63 $ 10,745,000 $ 170,000 $ 83,000
Crawford County Arkansas 56 $ 8,630,000 $ 154,000 $ 65,000
Palm Beach County Florida 53 $ 16,995,000 $ 320,000 $ 164,000
Sarasota County Florida 52 $ 16,110,000 $ 309,000 $ 161,000
Charlotte County Florida 50 $ 13,160,000 $ 263,000 $ 141,000
Miami-Dade County Florida 48 $ 64,820,000 $ 1,350,000 $ 621,000
Cleburne County Arkansas 44 $ 7,780,000 $ 176,000 $ 89,000
Polk County Florida 44 $ 12,970,000 $ 294,000 $ 128,000
Lee County Florida 43 $ 22,965,000 $ 534,000 $ 355,000
Stone County Arkansas 39 $ 4,285,000 $ 109,000 $ 60,000
Collier County Florida 34 $ 16,680,000 $ 490,000 $ 315,000
Hernando County Florida 33 $ 6,565,000 $ 198,000 $ 111,000
Independence County Arkansas 32 $ 6,910,000 $ 215,000 $ 95,000
Yell County Arkansas 30 $ 3,870,000 $ 129,000 $ 62,000
Sebastian County Arkansas 28 $ 3,340,000 $ 119,000 $ 61,000
Perry County Arkansas 27 $ 2,905,000 $ 107,000 $ 56,000
Garland County Arkansas 25 $ 5,385,000 $ 215,000 $ 222,000
Sharp County Arkansas 23 $ 1,725,000 $ 75,000 $ 73,000
Lake County Florida 20 $ 3,920,000 $ 196,000 $ 177,000
Manatee County Florida 20 $ 9,730,000 $ 486,000 $ 459,000
Washington County Florida 18 $ 2,360,000 $ 131,000 $ 52,000
Baxter County Arkansas 17 $ 2,595,000 $ 152,000 $ 73,000
Gadsden County Florida 16 $ 2,280,000 $ 142,000 $ 58,000
Johnson County Arkansas 15 $ 1,545,000 $ 103,000 $ 85,000
Van Buren County Arkansas 14 $ 1,800,000 $ 128,000 $ 73,000
Izard County Arkansas 13 $ 1,185,000 $ 91,000 $ 40,000
Jefferson County Arkansas 13 $ 2,105,000 $ 161,000 $ 62,000
Brevard County Florida 11 $ 5,765,000 $ 524,000 $ 146,000
Clay County Arkansas 10 $ 770,000 $ 77,000 $ 43,000
Madison County Arkansas 10 $ 1,650,000 $ 165,000 $ 55,000
Phillips County Arkansas 10 $ 1,410,000 $ 141,000 $ 49,000
Calhoun County Florida 10 $ 1,110,000 $ 111,000 $ 88,000
Jackson County Florida 10 $ 890,000 $ 89,000 $ 45,000
Volusia County Florida 9 $ 1,695,000 $ 188,000 $ 220,000
Grant County Arkansas 8 $ 1,030,000 $ 128,000 $ 62,000
Citrus County Florida 8 $ 1,660,000 $ 207,000 $ 80,000
Jackson County Arkansas 7 $ 1,265,000 $ 180,000 $ 94,000
Lawrence County Arkansas 7 $ 775,000 $ 110,000 $ 60,000
Poinsett County Arkansas 7 $ 715,000 $ 102,000 $ 33,000
Randolph County Arkansas 7 $ 755,000 $ 107,000 $ 96,000
Mississippi County Arkansas 6 $ 630,000 $ 105,000 $ 42,000
Seminole County Florida 6 $ 1,490,000 $ 248,000 $ 107,000
Sequoyah County Oklahoma 6 $ 680,000 $ 113,000 $ 71,000
Shelby County Tennessee 6 $ 1,000,000 $ 166,000 $ 153,000
Franklin County Arkansas 5 $ 865,000 $ 173,000 $ 78,000
Hot Spring County Arkansas 5 $ 595,000 $ 119,000 $ 86,000
Jefferson County Florida 5 $ 1,135,000 $ 227,000 $ 97,000
Marion County Florida 5 $ 895,000 $ 179,000 $ 70,000
St. Johns County Florida 5 $ 1,955,000 $ 391,000 $ 243,000
Delaware County Oklahoma 5 $ 395,000 $ 79,000 $ 58,000
Prairie County Arkansas 4 $ 670,000 $ 167,000 $ 149,000
Cross County Arkansas 3 $ 365,000 $ 121,000 $ 92,000
Martin County Florida 3 $ 1,385,000 $ 461,000 $ 117,000
St. Lucie County Florida 3 $ 595,000 $ 198,000 $ 52,000
Dunklin County Missouri 3 $ 215,000 $ 71,000 $ 52,000
Dallas County Texas 3 $ 775,000 $ 258,000 $ 102,000
Carroll County Arkansas 2 $ 580,000 $ 290,000 $ 76,000
St. Francis County Arkansas 2 $ 160,000 $ 80,000 $ 48,000
Harrison County Mississippi 2 $ 450,000 $ 225,000 $ 62,000
St. Charles County Missouri 2 $ 550,000 $ 275,000 $ 91,000
St. Francois County Missouri 2 $ 220,000 $ 110,000 $ 49,000
Mecklenburg County North Carolina 2 $ 720,000 $ 360,000 $ 77,000
Adair County Oklahoma 2 $ 350,000 $ 175,000 $ 67,000
Fort Bend County Texas 2 $ 37,130,000 $ 18,565,000 $ 96,000
Dale County Alabama 1 $ 1,115,000 $ 1,115,000 $ 0
Etowah County Alabama 1 $ 225,000 $ 225,000 $ 212,000
Lee County Alabama 1 $ 245,000 $ 245,000 $ 318,000
Mobile County Alabama 1 $ 255,000 $ 255,000 $ 113,000
Montgomery County Alabama 1 $ 165,000 $ 165,000 $ 112,000
Morgan County Alabama 1 $ 225,000 $ 225,000 $ 114,000
Tuscaloosa County Alabama 1 $ 505,000 $ 505,000 $ 0
Kenai Peninsula County Alaska 1 $ 585,000 $ 585,000 $ 0
Arkansas County Arkansas 1 $ 45,000 $ 45,000 $ 329,000
Boone County Arkansas 1 $ 35,000 $ 35,000 $ 371,000
Crittenden County Arkansas 1 $ 135,000 $ 135,000 $ 493,000
Drew County Arkansas 1 $ 125,000 $ 125,000 $ 0
Fulton County Arkansas 1 $ 205,000 $ 205,000 $ 52,000
Logan County Arkansas 1 $ 45,000 $ 45,000 $ 40,000
Marion County Arkansas 1 $ 145,000 $ 145,000 $ 36,000
Pike County Arkansas 1 $ 125,000 $ 125,000 $ 0
Searcy County Arkansas 1 $ 105,000 $ 105,000 $ 60,000
San Diego County California 1 $ 525,000 $ 525,000 $ 102,000
Denver County Colorado 1 $ 935,000 $ 935,000 $ 491,000
Douglas County Colorado 1 $ 395,000 $ 395,000 $ 200,000
Jefferson County Colorado 1 $ 525,000 $ 525,000 $ 150,000
Alachua County Florida 1 $ 225,000 $ 225,000 $ 171,000
Dixie County Florida 1 $ 65,000 $ 65,000 $ 74,000
Indian River County Florida 1 $ 175,000 $ 175,000 $ 31,000
Liberty County Florida 1 $ 275,000 $ 275,000 $ 87,000
Madison County Florida 1 $ 85,000 $ 85,000 $ 29,000
Nassau County Florida 1 $ 385,000 $ 385,000 $ 118,000
Putnam County Florida 1 $ 55,000 $ 55,000 $ 18,000
Baldwin County Georgia 1 $ 225,000 $ 225,000 $ 46,000
Carroll County Georgia 1 $ 95,000 $ 95,000 $ 126,000
Cherokee County Georgia 1 $ 195,000 $ 195,000 $ 50,000
Cobb County Georgia 1 $ 365,000 $ 365,000 $ 90,000
Decatur County Georgia 1 $ 85,000 $ 85,000 $ 28,000
DeKalb County Georgia 1 $ 125,000 $ 125,000 $ 55,000
Douglas County Georgia 1 $ 305,000 $ 305,000 $ 738,000
Fannin County Georgia 1 $ 445,000 $ 445,000 $ 556,000
Gwinnett County Georgia 1 $ 475,000 $ 475,000 $ 379,000
Thomas County Georgia 1 $ 55,000 $ 55,000 $ 62,000
Johnson County Kansas 1 $ 215,000 $ 215,000 $ 41,000
Barry County Missouri 1 $ 105,000 $ 105,000 $ 28,000
Greene County Missouri 1 $ 235,000 $ 235,000 $ 52,000
Jackson County Missouri 1 $ 105,000 $ 105,000 $ 27,000
Jefferson County Missouri 1 $ 115,000 $ 115,000 $ 78,000
McDonald County Missouri 1 $ 185,000 $ 185,000 $ 69,000
Ozark County Missouri 1 $ 105,000 $ 105,000 $ 27,000
Clark County Nevada 1 $ 405,000 $ 405,000 $ 90,000
Erie County New York 1 $ 65,000 $ 65,000 $ 33,000
New York County New York 1 $ 3,075,000 $ 3,075,000 $ 5,594,000
Oswego County New York 1 $ 305,000 $ 305,000 $ 98,000
Cumberland County North Carolina 1 $ 235,000 $ 235,000 $ 74,000
Transylvania County North Carolina 1 $ 355,000 $ 355,000 $ 249,000
Garfield County Oklahoma 1 $ 215,000 $ 215,000 $ 92,000
Le Flore County Oklahoma 1 $ 355,000 $ 355,000 $ 664,000
Logan County Oklahoma 1 $ 305,000 $ 305,000 $ 89,000
Oklahoma County Oklahoma 1 $ 185,000 $ 185,000 $ 50,000
Aiken County South Carolina 1 $ 275,000 $ 275,000 $ 116,000
Charleston County South Carolina 1 $ 515,000 $ 515,000 $ 139,000
Pickens County South Carolina 1 $ 205,000 $ 205,000 $ 104,000
Decatur County Tennessee 1 $ 295,000 $ 295,000 $ 106,000
Fayette County Tennessee 1 $ 275,000 $ 275,000 $ 183,000
Hardeman County Tennessee 1 $ 205,000 $ 205,000 $ 66,000
Henry County Tennessee 1 $ 195,000 $ 195,000 $ 100,000
Knox County Tennessee 1 $ 235,000 $ 235,000 $ 86,000
Brazoria County Texas 1 $ 195,000 $ 195,000 $ 72,000
Comal County Texas 1 $ 365,000 $ 365,000 $ 82,000
Harris County Texas 1 $ 295,000 $ 295,000 $ 110,000
Leon County Texas 1 $ 205,000 $ 205,000 $ 56,000
Rockwall County Texas 1 $ 345,000 $ 345,000 $ 243,000
Cache County Utah 1 $ 445,000 $ 445,000 $ 220,000
Carroll County Virginia 1 $ 225,000 $ 225,000 $ 16,000
Fairfax County Virginia 1 $ 275,000 $ 275,000 $ 70,000
Virginia Beach County Virginia 1 $ 135,000 $ 135,000 $ 266,000

Mortgage Loan Application Detail Totals for Centennial Bank in 2019

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 3,583 $861,205,000 $240,000 $36,605,000 $122,000 $9,000,000
Refinancing 643 $185,365,000 $288,000 $10,875,000 $136,000 $4,827,000
Cash-out Refinancing 488 $126,680,000 $259,000 $5,045,000 $133,000 $5,594,000
Other Purpose 87 $15,485,000 $177,000 $565,000 $128,000 $1,281,000
Home Improvement 48 $5,900,000 $122,000 $355,000 $89,000 $303,000
Not Applicable 0 $0 $0 $0 $0 $0

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 3,590 $820,790,000 $228,000 $5,255,000 $121,000 $5,594,000
Hispanic 352 $104,530,000 $296,000 $9,005,000 $199,000 $9,000,000
Not applicable 332 $155,700,000 $468,000 $36,605,000 $0 $0
Black or African American 322 $50,370,000 $156,000 $1,285,000 $87,000 $2,872,000
Not Provided 131 $28,785,000 $219,000 $1,355,000 $116,000 $678,000
Asian 89 $27,535,000 $309,000 $2,505,000 $147,000 $1,305,000
American Indian or Alaskan Native 28 $5,890,000 $210,000 $965,000 $95,000 $570,000
Native Hawaiian or Other Pacific Islander 5 $1,035,000 $207,000 $285,000 $151,000 $429,000

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) 3,727 $1,002,675,000 $269,000 $36,605,000 $145,000 $9,000,000
FHA-insured (Federal Housing Administration) 638 $99,950,000 $156,000 $505,000 $61,000 $349,000
VA-guaranteed (Veterans Administration) 260 $64,300,000 $247,000 $785,000 $82,000 $325,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 224 $27,710,000 $123,000 $315,000 $47,000 $123,000

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 2,971 $744,305,000 $250,000 $36,605,000 $134,000 $9,000,000
Application Withdrawn By Applicant 1,090 $273,670,000 $251,000 $5,255,000 $129,000 $2,872,000
Application Denied By Financial Institution 622 $130,610,000 $209,000 $2,505,000 $75,000 $1,374,000
File Closed For Incompleteness 131 $36,065,000 $275,000 $1,555,000 $135,000 $1,281,000
Application Approved But Not Accepted 35 $9,985,000 $285,000 $2,955,000 $103,000 $429,000
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
Not applicable 4,227 $1,064,025,000 $251,000 $36,605,000 $132,000 $9,000,000
Credit History 277 $47,745,000 $172,000 $1,245,000 $84,000 $1,374,000
Debt-To-Income Ratio 220 $60,270,000 $273,000 $2,505,000 $61,000 $412,000
Collateral 51 $9,575,000 $187,000 $1,235,000 $109,000 $724,000
Other 28 $5,070,000 $181,000 $705,000 $62,000 $123,000
Insufficient Cash (Downpayment, Closing Cost) 17 $2,085,000 $122,000 $365,000 $59,000 $168,000
Employment History 14 $1,760,000 $125,000 $295,000 $54,000 $100,000
Unverifiable Information 10 $1,730,000 $173,000 $225,000 $47,000 $86,000
Credit Application Incomplete 4 $2,080,000 $520,000 $755,000 $147,000 $235,000
Mortgage Insurance Denied 1 $295,000 $295,000 $295,000 $76,000 $76,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Centennial Bank's 2019 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.
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