Centennial Bank Mortgage Lending & HMDA Data, 2019

In 2019, Centennial Bank of Arkansas, AR reported 4,849 mortgage applications totaling $1.2 billion, up 6% from 2018. The average application was for $246,367, and applicants reported an average income of $124,744. 61% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Little Rock-North Little Rock-Conway, AR (1,195), Fayetteville-Springdale-Rogers, AR-MO (337) and Tampa-St. Petersburg-Clearwater, FL (245) (applications in parentheses).

Mortgage Company & Address Centennial Bank
Po Box 966
Arkansas, AR 72033
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  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 $246,367
Highest Mortgage Loan Application Amount $36,605,000
Average Applicant Income $124,744
Highest Applicant Income $9,000,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Centennial Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

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, Arkansas 552 $ 109,320,000 $ 198,043 $ 92,000
Pulaski, Arkansas 388 $ 66,830,000 $ 172,242 $ 100,000
Bay, Florida 244 $ 55,780,000 $ 228,606 $ 118,000
Craighead, Arkansas 220 $ 39,770,000 $ 180,772 $ 97,000
Benton, Arkansas 181 $ 44,345,000 $ 245,000 $ 104,000
Osceola, Florida 147 $ 41,195,000 $ 280,238 $ 174,000
Washington, Arkansas 146 $ 30,360,000 $ 207,945 $ 100,000
Lonoke, Arkansas 144 $ 23,190,000 $ 161,041 $ 82,000
Gulf, Florida 140 $ 34,690,000 $ 247,785 $ 121,000
Okaloosa, Florida 126 $ 36,420,000 $ 289,047 $ 148,000
Monroe, Florida 118 $ 57,060,000 $ 483,559 $ 181,000
Leon, Florida 113 $ 20,255,000 $ 179,247 $ 87,000
Baldwin, Alabama 103 $ 24,325,000 $ 236,165 $ 107,000
White, Arkansas 99 $ 13,685,000 $ 138,232 $ 78,000
Pope, Arkansas 96 $ 9,660,000 $ 100,625 $ 61,000
Walton, Florida 90 $ 32,200,000 $ 357,777 $ 170,000
Escambia, Florida 89 $ 20,355,000 $ 228,707 $ 178,000
Broward, Florida 81 $ 36,135,000 $ 446,111 $ 260,000
Saline, Arkansas 76 $ 14,010,000 $ 184,342 $ 75,000
Hillsborough, Florida 74 $ 31,360,000 $ 423,783 $ 184,000
Pasco, Florida 72 $ 15,750,000 $ 218,750 $ 105,000
Santa Rosa, Florida 71 $ 18,985,000 $ 267,394 $ 120,000
Conway, Arkansas 70 $ 7,540,000 $ 107,714 $ 60,000
Orange, Florida 68 $ 22,320,000 $ 328,235 $ 279,000
Pinellas, Florida 66 $ 19,690,000 $ 298,333 $ 159,000
Wakulla, Florida 66 $ 8,570,000 $ 129,848 $ 64,000
Franklin, Florida 64 $ 12,630,000 $ 197,343 $ 117,000
Greene, Arkansas 63 $ 10,745,000 $ 170,555 $ 83,000
Crawford, Arkansas 56 $ 8,630,000 $ 154,107 $ 65,000
Palm Beach, Florida 53 $ 16,995,000 $ 320,660 $ 164,000
Sarasota, Florida 52 $ 16,110,000 $ 309,807 $ 161,000
Charlotte, Florida 50 $ 13,160,000 $ 263,200 $ 141,000
Miami-Dade, Florida 48 $ 64,820,000 $ 1,350,416 $ 621,000
Cleburne, Arkansas 44 $ 7,780,000 $ 176,818 $ 89,000
Polk, Florida 44 $ 12,970,000 $ 294,772 $ 128,000
Lee, Florida 43 $ 22,965,000 $ 534,069 $ 355,000
Stone, Arkansas 39 $ 4,285,000 $ 109,871 $ 60,000
Collier, Florida 34 $ 16,680,000 $ 490,588 $ 315,000
Hernando, Florida 33 $ 6,565,000 $ 198,939 $ 111,000
Independence, Arkansas 32 $ 6,910,000 $ 215,937 $ 95,000
Yell, Arkansas 30 $ 3,870,000 $ 129,000 $ 62,000
Sebastian, Arkansas 28 $ 3,340,000 $ 119,285 $ 61,000
Perry, Arkansas 27 $ 2,905,000 $ 107,592 $ 56,000
Garland, Arkansas 25 $ 5,385,000 $ 215,400 $ 222,000
Sharp, Arkansas 23 $ 1,725,000 $ 75,000 $ 73,000
Lake, Florida 20 $ 3,920,000 $ 196,000 $ 177,000
Manatee, Florida 20 $ 9,730,000 $ 486,500 $ 459,000
Washington, Florida 18 $ 2,360,000 $ 131,111 $ 52,000
Baxter, Arkansas 17 $ 2,595,000 $ 152,647 $ 73,000
Gadsden, Florida 16 $ 2,280,000 $ 142,500 $ 58,000
Johnson, Arkansas 15 $ 1,545,000 $ 103,000 $ 85,000
Van Buren, Arkansas 14 $ 1,800,000 $ 128,571 $ 73,000
Izard, Arkansas 13 $ 1,185,000 $ 91,153 $ 40,000
Jefferson, Arkansas 13 $ 2,105,000 $ 161,923 $ 62,000
Brevard, Florida 11 $ 5,765,000 $ 524,090 $ 146,000
Clay, Arkansas 10 $ 770,000 $ 77,000 $ 43,000
Madison, Arkansas 10 $ 1,650,000 $ 165,000 $ 55,000
Phillips, Arkansas 10 $ 1,410,000 $ 141,000 $ 49,000
Calhoun, Florida 10 $ 1,110,000 $ 111,000 $ 88,000
Jackson, Florida 10 $ 890,000 $ 89,000 $ 45,000
Volusia, Florida 9 $ 1,695,000 $ 188,333 $ 220,000
Grant, Arkansas 8 $ 1,030,000 $ 128,750 $ 62,000
Citrus, Florida 8 $ 1,660,000 $ 207,500 $ 80,000
Jackson, Arkansas 7 $ 1,265,000 $ 180,714 $ 94,000
Lawrence, Arkansas 7 $ 775,000 $ 110,714 $ 60,000
Poinsett, Arkansas 7 $ 715,000 $ 102,142 $ 33,000
Randolph, Arkansas 7 $ 755,000 $ 107,857 $ 96,000
Mississippi, Arkansas 6 $ 630,000 $ 105,000 $ 42,000
Seminole, Florida 6 $ 1,490,000 $ 248,333 $ 107,000
Sequoyah, Oklahoma 6 $ 680,000 $ 113,333 $ 71,000
Shelby, Tennessee 6 $ 1,000,000 $ 166,666 $ 153,000
Franklin, Arkansas 5 $ 865,000 $ 173,000 $ 78,000
Hot Spring, Arkansas 5 $ 595,000 $ 119,000 $ 86,000
Jefferson, Florida 5 $ 1,135,000 $ 227,000 $ 97,000
Marion, Florida 5 $ 895,000 $ 179,000 $ 70,000
St. Johns, Florida 5 $ 1,955,000 $ 391,000 $ 243,000
Delaware, Oklahoma 5 $ 395,000 $ 79,000 $ 58,000
Prairie, Arkansas 4 $ 670,000 $ 167,500 $ 149,000
Cross, Arkansas 3 $ 365,000 $ 121,666 $ 92,000
Martin, Florida 3 $ 1,385,000 $ 461,666 $ 117,000
St. Lucie, Florida 3 $ 595,000 $ 198,333 $ 52,000
Dunklin, Missouri 3 $ 215,000 $ 71,666 $ 52,000
Dallas, Texas 3 $ 775,000 $ 258,333 $ 102,000
Carroll, Arkansas 2 $ 580,000 $ 290,000 $ 76,000
St. Francis, Arkansas 2 $ 160,000 $ 80,000 $ 48,000
Harrison, Mississippi 2 $ 450,000 $ 225,000 $ 62,000
St. Charles, Missouri 2 $ 550,000 $ 275,000 $ 91,000
St. Francois, Missouri 2 $ 220,000 $ 110,000 $ 49,000
Mecklenburg, North Carolina 2 $ 720,000 $ 360,000 $ 77,000
Adair, Oklahoma 2 $ 350,000 $ 175,000 $ 67,000
Fort Bend, Texas 2 $ 37,130,000 $ 18,565,000 $ 96,000
Dale, Alabama 1 $ 1,115,000 $ 1,115,000 $ 0
Etowah, Alabama 1 $ 225,000 $ 225,000 $ 212,000
Lee, Alabama 1 $ 245,000 $ 245,000 $ 318,000
Mobile, Alabama 1 $ 255,000 $ 255,000 $ 113,000
Montgomery, Alabama 1 $ 165,000 $ 165,000 $ 112,000
Morgan, Alabama 1 $ 225,000 $ 225,000 $ 114,000
Tuscaloosa, Alabama 1 $ 505,000 $ 505,000 $ 0
Kenai Peninsula, Alaska 1 $ 585,000 $ 585,000 $ 0
Arkansas, Arkansas 1 $ 45,000 $ 45,000 $ 329,000
Boone, Arkansas 1 $ 35,000 $ 35,000 $ 371,000
Crittenden, Arkansas 1 $ 135,000 $ 135,000 $ 493,000
Drew, Arkansas 1 $ 125,000 $ 125,000 $ 0
Fulton, Arkansas 1 $ 205,000 $ 205,000 $ 52,000
Logan, Arkansas 1 $ 45,000 $ 45,000 $ 40,000
Marion, Arkansas 1 $ 145,000 $ 145,000 $ 36,000
Pike, Arkansas 1 $ 125,000 $ 125,000 $ 0
Searcy, Arkansas 1 $ 105,000 $ 105,000 $ 60,000
San Diego, California 1 $ 525,000 $ 525,000 $ 102,000
Denver, Colorado 1 $ 935,000 $ 935,000 $ 491,000
Douglas, Colorado 1 $ 395,000 $ 395,000 $ 200,000
Jefferson, Colorado 1 $ 525,000 $ 525,000 $ 150,000
Alachua, Florida 1 $ 225,000 $ 225,000 $ 171,000
Dixie, Florida 1 $ 65,000 $ 65,000 $ 74,000
Indian River, Florida 1 $ 175,000 $ 175,000 $ 31,000
Liberty, Florida 1 $ 275,000 $ 275,000 $ 87,000
Madison, Florida 1 $ 85,000 $ 85,000 $ 29,000
Nassau, Florida 1 $ 385,000 $ 385,000 $ 118,000
Putnam, Florida 1 $ 55,000 $ 55,000 $ 18,000
Baldwin, Georgia 1 $ 225,000 $ 225,000 $ 46,000
Carroll, Georgia 1 $ 95,000 $ 95,000 $ 126,000
Cherokee, Georgia 1 $ 195,000 $ 195,000 $ 50,000
Cobb, Georgia 1 $ 365,000 $ 365,000 $ 90,000
Decatur, Georgia 1 $ 85,000 $ 85,000 $ 28,000
DeKalb, Georgia 1 $ 125,000 $ 125,000 $ 55,000
Douglas, Georgia 1 $ 305,000 $ 305,000 $ 738,000
Fannin, Georgia 1 $ 445,000 $ 445,000 $ 556,000
Gwinnett, Georgia 1 $ 475,000 $ 475,000 $ 379,000
Thomas, Georgia 1 $ 55,000 $ 55,000 $ 62,000
Johnson, Kansas 1 $ 215,000 $ 215,000 $ 41,000
Barry, Missouri 1 $ 105,000 $ 105,000 $ 28,000
Greene, Missouri 1 $ 235,000 $ 235,000 $ 52,000
Jackson, Missouri 1 $ 105,000 $ 105,000 $ 27,000
Jefferson, Missouri 1 $ 115,000 $ 115,000 $ 78,000
McDonald, Missouri 1 $ 185,000 $ 185,000 $ 69,000
Ozark, Missouri 1 $ 105,000 $ 105,000 $ 27,000
Clark, Nevada 1 $ 405,000 $ 405,000 $ 90,000
Erie, New York 1 $ 65,000 $ 65,000 $ 33,000
New York, New York 1 $ 3,075,000 $ 3,075,000 $ 5,594,000
Oswego, New York 1 $ 305,000 $ 305,000 $ 98,000
Cumberland, North Carolina 1 $ 235,000 $ 235,000 $ 74,000
Transylvania, North Carolina 1 $ 355,000 $ 355,000 $ 249,000
Garfield, Oklahoma 1 $ 215,000 $ 215,000 $ 92,000
Le Flore, Oklahoma 1 $ 355,000 $ 355,000 $ 664,000
Logan, Oklahoma 1 $ 305,000 $ 305,000 $ 89,000
Oklahoma, Oklahoma 1 $ 185,000 $ 185,000 $ 50,000
Aiken, South Carolina 1 $ 275,000 $ 275,000 $ 116,000
Charleston, South Carolina 1 $ 515,000 $ 515,000 $ 139,000
Pickens, South Carolina 1 $ 205,000 $ 205,000 $ 104,000
Decatur, Tennessee 1 $ 295,000 $ 295,000 $ 106,000
Fayette, Tennessee 1 $ 275,000 $ 275,000 $ 183,000
Hardeman, Tennessee 1 $ 205,000 $ 205,000 $ 66,000
Henry, Tennessee 1 $ 195,000 $ 195,000 $ 100,000
Knox, Tennessee 1 $ 235,000 $ 235,000 $ 86,000
Brazoria, Texas 1 $ 195,000 $ 195,000 $ 72,000
Comal, Texas 1 $ 365,000 $ 365,000 $ 82,000
Harris, Texas 1 $ 295,000 $ 295,000 $ 110,000
Leon, Texas 1 $ 205,000 $ 205,000 $ 56,000
Rockwall, Texas 1 $ 345,000 $ 345,000 $ 243,000
Cache, Utah 1 $ 445,000 $ 445,000 $ 220,000
Carroll, Virginia 1 $ 225,000 $ 225,000 $ 16,000
Fairfax, Virginia 1 $ 275,000 $ 275,000 $ 70,000
Virginia Beach, 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.
For a list of all lenders in Arkansas, download the full spreadsheet with aggregated HMDA statistics today.

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