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Act (HMDA) records Centennial Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Little Rock-North Little Rock-Conway, AR | 1,195 | $ 217,285,000 | $ 181,828 | $ 91,000 |
| Outside any metro area | 1,018 | $ 197,270,000 | $ 193,781 | $ 94,357 |
| Fayetteville-Springdale-Rogers, AR-MO | 337 | $ 76,355,000 | $ 226,572 | $ 100,000 |
| Tampa-St. Petersburg-Clearwater, FL | 245 | $ 73,365,000 | $ 299,448 | $ 143,000 |
| Panama City, FL | 244 | $ 55,780,000 | $ 228,606 | $ 118,000 |
| Orlando-Kissimmee-Sanford, FL | 241 | $ 68,925,000 | $ 285,995 | $ 201,000 |
| Jonesboro, AR | 227 | $ 40,485,000 | $ 178,348 | $ 95,000 |
| Crestview-Fort Walton Beach-Destin, FL | 216 | $ 68,620,000 | $ 317,685 | $ 157,000 |
| Tallahassee, FL | 200 | $ 32,240,000 | $ 161,200 | $ 77,000 |
| Pensacola-Ferry Pass-Brent, FL | 160 | $ 39,340,000 | $ 245,875 | $ 151,000 |
| Daphne-Fairhope-Foley, AL | 103 | $ 24,325,000 | $ 236,165 | $ 107,000 |
| Fort Smith, AR-OK | 95 | $ 13,515,000 | $ 142,263 | $ 64,442 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 81 | $ 36,135,000 | $ 446,111 | $ 260,000 |
| North Port-Sarasota-Bradenton, FL | 72 | $ 25,840,000 | $ 358,888 | $ 242,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 53 | $ 16,995,000 | $ 320,660 | $ 164,000 |
| Punta Gorda, FL | 50 | $ 13,160,000 | $ 263,200 | $ 141,000 |
| Miami-Miami Beach-Kendall, FL | 48 | $ 64,820,000 | $ 1,350,416 | $ 621,000 |
| Lakeland-Winter Haven, FL | 44 | $ 12,970,000 | $ 294,772 | $ 128,000 |
| Cape Coral-Fort Myers, FL | 43 | $ 22,965,000 | $ 534,069 | $ 355,000 |
| Naples-Immokalee-Marco Island, FL | 34 | $ 16,680,000 | $ 490,588 | $ 315,000 |
| Hot Springs, AR | 25 | $ 5,385,000 | $ 215,400 | $ 222,000 |
| Pine Bluff, AR | 13 | $ 2,105,000 | $ 161,923 | $ 62,000 |
| Palm Bay-Melbourne-Titusville, FL | 11 | $ 5,765,000 | $ 524,090 | $ 146,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 9 | $ 1,695,000 | $ 188,333 | $ 220,000 |
| Homosassa Springs, FL | 8 | $ 1,660,000 | $ 207,500 | $ 80,000 |
| Memphis, TN-MS-AR | 8 | $ 1,410,000 | $ 176,250 | $ 199,875 |
| Atlanta-Sandy Springs-Roswell, GA | 6 | $ 1,560,000 | $ 260,000 | $ 239,000 |
| Jacksonville, FL | 6 | $ 2,340,000 | $ 390,000 | $ 222,000 |
| Port St. Lucie, FL | 6 | $ 1,980,000 | $ 330,000 | $ 84,000 |
| Ocala, FL | 5 | $ 895,000 | $ 179,000 | $ 70,000 |
| Dallas-Plano-Irving, TX | 4 | $ 1,120,000 | $ 280,000 | $ 137,000 |
| Houston-The Woodlands-Sugar Land, TX | 4 | $ 37,620,000 | $ 9,405,000 | $ 92,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 1,855,000 | $ 618,333 | $ 280,000 |
| St. Louis, MO-IL | 3 | $ 665,000 | $ 221,666 | $ 87,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 720,000 | $ 360,000 | $ 77,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 450,000 | $ 225,000 | $ 62,000 |
| Kansas City, MO-KS | 2 | $ 320,000 | $ 160,000 | $ 34,000 |
| Oklahoma City, OK | 2 | $ 490,000 | $ 245,000 | $ 69,000 |
| Auburn-Opelika, AL | 1 | $ 245,000 | $ 245,000 | $ 318,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 275,000 | $ 275,000 | $ 116,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 65,000 | $ 65,000 | $ 33,000 |
| Charleston-North Charleston, SC | 1 | $ 515,000 | $ 515,000 | $ 139,000 |
| Decatur, AL | 1 | $ 225,000 | $ 225,000 | $ 114,000 |
| Enid, OK | 1 | $ 215,000 | $ 215,000 | $ 92,000 |
| Fayetteville, NC | 1 | $ 235,000 | $ 235,000 | $ 74,000 |
| Gadsden, AL | 1 | $ 225,000 | $ 225,000 | $ 212,000 |
| Gainesville, FL | 1 | $ 225,000 | $ 225,000 | $ 171,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 205,000 | $ 205,000 | $ 104,000 |
| Knoxville, TN | 1 | $ 235,000 | $ 235,000 | $ 86,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 405,000 | $ 405,000 | $ 90,000 |
| Logan, UT-ID | 1 | $ 445,000 | $ 445,000 | $ 220,000 |
| Mobile, AL | 1 | $ 255,000 | $ 255,000 | $ 113,000 |
| Montgomery, AL | 1 | $ 165,000 | $ 165,000 | $ 112,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 3,075,000 | $ 3,075,000 | $ 5,594,000 |
| San Antonio-New Braunfels, TX | 1 | $ 365,000 | $ 365,000 | $ 82,000 |
| San Diego-Carlsbad, CA | 1 | $ 525,000 | $ 525,000 | $ 102,000 |
| Sebastian-Vero Beach, FL | 1 | $ 175,000 | $ 175,000 | $ 31,000 |
| Springfield, MO | 1 | $ 235,000 | $ 235,000 | $ 52,000 |
| Syracuse, NY | 1 | $ 305,000 | $ 305,000 | $ 98,000 |
| Tuscaloosa, AL | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 135,000 | $ 135,000 | $ 266,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 275,000 | $ 275,000 | $ 70,000 |
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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