Centennial Bank closing costs and rates (2024)
In 2024, Centennial Bank originated 1,728 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $5,905. That ranks #254 nationally by origination volume. For total closing costs among lenders with 500+ originations, Centennial Bank ranks #277. That is $836 below the national median of $6,741. Centennial Bank is most active in Arkansas with 845 originations there.
Purchase Originations
1,728
Ranked #254 nationally
Median Total Costs
$5,905
−12.4% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$1,810
Median Lender Credits
$1,025
Cost Rank (500+ vol.)
#277
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,241 | 6.875% | $5,073 | $1,806 |
| fha | 332 | 6.500% | $9,454 | $2,074 |
| va | 110 | 6.250% | $9,024 | $2,157 |
| usda | 45 | 6.500% | $5,240 | $1,957 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Arkansas | 845 | 6.500% | $4,876 | #6 |
| Texas | 509 | 7.250% | $6,216 | #116 |
| Florida | 330 | 6.625% | $7,941 | #123 |
| Missouri | 14 | 6.625% | $3,848 | — |
| Alabama | 10 | 6.875% | $5,332 | — |
| Oklahoma | 4 | 6.438% | $4,266 | — |
| Colorado | 2 | 6.188% | $7,540 | — |
| Louisiana | 2 | 6.562% | $8,735 | — |
| North Carolina | 2 | 6.688% | $8,111 | — |
| Pennsylvania | 2 | 6.000% | $4,676 | — |
| Tennessee | 2 | 6.562% | $8,826 | — |
| Georgia | 1 | 6.000% | $4,985 | — |
| Indiana | 1 | 5.750% | $4,417 | — |
| Kansas | 1 | 6.500% | $11,824 | — |
| Mississippi | 1 | 7.250% | $11,585 | — |
| New York | 1 | 6.125% | $5,500 | — |
| South Carolina | 1 | 6.125% | $5,980 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,348 | 6.750% | — | 32 | −$2,557 | |
| 2 | $3,682 | 6.625% | — | 101 | −$2,223 | |
| 3 | $4,135 | 6.500% | — | 41 | −$1,770 | |
| 4 | $4,511 | 6.688% | — | 32 | −$1,394 | |
| 5 | $4,589 | 6.875% | — | 25 | −$1,316 | |
| 6 | $4,631 | 6.625% | — | 71 | −$1,274 | |
| 7 | $5,251 | 6.562% | — | 124 | −$654 | |
| 8 | $5,309 | 6.625% | — | 27 | −$596 | |
| 9 | $5,414 | 7.375% | — | 59 | −$491 | |
| 10 | $5,449 | 7.500% | — | 66 | −$456 | |
| 11 | $5,597 | 6.500% | — | 280 | −$308 | |
| 12 | $5,748 | 6.625% | — | 22 | −$157 | |
| 13 | $6,106 | 6.875% | — | 29 | +$201 | |
| 14 | $6,195 | 6.812% | — | 36 | +$290 | |
| 15 | $6,743 | 7.062% | — | 22 | +$838 | |
| 16 | $6,890 | 6.500% | — | 23 | +$985 | |
| 17 | $7,403 | 6.625% | — | 77 | +$1,498 | |
| 18 | $9,941 | 7.375% | — | 45 | +$4,036 | |
| 19 | $11,382 | 7.250% | — | 21 | +$5,477 | |
| 20 | $12,268 | 6.000% | — | 21 | +$6,363 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.