Lender in Arkansas · HMDA 2025
Centennial Bank mortgages in Arkansas
Centennial Bank's 2025 home-purchase and refinance lending in Arkansas, compared with all lenders in the state.
Centennial Bank originated 872 owner-occupied single-family loans in Arkansas from 1,061 completed applications, making it the state's #8 lender by volume.
Its median conventional purchase loan costs were $4,100 versus $3,850 for all Arkansas lenders, at a median 30-year fixed rate of 6.50% (Arkansas: 6.625%).
Loans in AR
872
of 1,061 applications
Denial rate
16.5%
Purchase · AR 8.5%
Rate spread
+0.11 pts
Conv. · AR +0.17 pts
Loan amount
$265,000
Purchase · AR $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 958 | 799 | 16.5% | 6.500% | +0.11 pts | $4,100 | $265,000 |
| Refinance | 45 | 33 | 26.7% | 6.375% | +0.00 pts | $3,770 | $325,000 |
| Cash-out refinance | 58 | 40 | 31.0% | 6.750% | +0.24 pts | $4,680 | $175,000 |
*Conventional loans only; medians with at least 20 loans.
Arkansas counties where Centennial Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Conway County | 1 | 31 | 14.8% |
| Perry County | 2 | 12 | 10.3% |
| Yell County | 3 | 16 | 9.1% |
| Faulkner County | 4 | 113 | 5.8% |
| Benton County | 5 | 256 | 3.9% |
| Washington County | 5 | 121 | 3.3% |
| Clay County | 5 | 6 | 3.5% |
| Stone County | 5 | 5 | 4.5% |
| Cleburne County | 6 | 14 | 4.7% |
| Lonoke County | 7 | 65 | 4.4% |
| Madison County | 7 | 8 | 3.9% |
| Pope County | 8 | 19 | 2.9% |
| Carroll County | 8 | 9 | 3.0% |
| Johnson County | 9 | 7 | 2.6% |
| Craighead County | 13 | 33 | 2.2% |
| Greene County | 13 | 14 | 2.2% |
| Pulaski County | 17 | 80 | 1.6% |
| White County | 19 | 9 | 0.9% |
| Independence County | 19 | 4 | 0.9% |
| Poinsett County | 19 | 4 | 1.5% |
| Van Buren County | 20 | 2 | 1.1% |
| Sharp County | 23 | 2 | 0.8% |
| Crittenden County | 25 | 3 | 0.6% |
| Arkansas County | 25 | 1 | 0.6% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology