Purchase Originations
1,870
Ranked #237 nationally
Median Total Costs
$6,670
−0.1% vs national ($6,680)
↑ $765 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,810
Median Lender Credits
$1,025
Cost Rank (500+ vol.)
#335
among lenders with 500+ originations
Denial Rate
14.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,296 | 6.875% | $5,787 | $1,810 |
| fha | 390 | 6.250% | $9,520 | $2,116 |
| va | 138 | 6.125% | $7,541 | $1,518 |
| usda | 46 | 6.375% | $5,306 | $1,724 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Arkansas | 810 | 6.375% | $5,611 | #7 |
| Texas | 631 | 7.000% | $8,118 | #97 |
| Florida | 358 | 6.625% | $7,683 | #111 |
| Alabama | 20 | 6.500% | $5,445 | — |
| Oklahoma | 15 | 6.250% | $6,769 | — |
| Missouri | 14 | 6.375% | $3,972 | — |
| Georgia | 3 | 6.625% | $4,482 | — |
| Tennessee | 3 | 7.000% | $3,910 | — |
| Colorado | 2 | 6.000% | $12,533 | — |
| North Carolina | 2 | 6.688% | $9,655 | — |
| New Mexico | 2 | 5.812% | $7,573 | — |
| Kansas | 1 | 5.750% | $15,591 | — |
| Kentucky | 1 | 6.375% | $7,706 | — |
| Massachusetts | 1 | 7.000% | $4,246 | — |
| Michigan | 1 | 7.125% | $3,816 | — |
| Mississippi | 1 | 6.125% | $5,966 | — |
| North Dakota | 1 | 6.750% | $9,412 | — |
| New Jersey | 1 | 6.500% | $6,229 | — |
| Oregon | 1 | 6.625% | $8,092 | — |
| Utah | 1 | 5.750% | $15,275 | — |
| Washington | 1 | 6.625% | $10,954 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,534 | 6.625% | — | 20 | −$2,136 | |
| 2 | $4,650 | 6.375% | — | 26 | −$2,020 | |
| 3 | $4,740 | 6.500% | — | 75 | −$1,930 | |
| 4 | $4,955 | 6.375% | — | 62 | −$1,715 | |
| 5 | $4,957 | 6.375% | — | 105 | −$1,713 | |
| 6 | $5,612 | 6.500% | — | 37 | −$1,058 | |
| 7 | $5,893 | 6.500% | — | 34 | −$777 | |
| 8 | $6,096 | 7.250% | — | 72 | −$574 | |
| 9 | $6,130 | 6.625% | — | 23 | −$540 | |
| 10 | $6,350 | 6.375% | — | 103 | −$320 | |
| 11 | $6,579 | 6.250% | — | 246 | −$91 | |
| 12 | $6,751 | 6.750% | — | 26 | +$81 | |
| 13 | $6,882 | 6.875% | — | 110 | +$212 | |
| 14 | $7,522 | 6.500% | — | 23 | +$852 | |
| 15 | $7,720 | 6.500% | — | 66 | +$1,050 | |
| 16 | $8,928 | 6.875% | — | 20 | +$2,258 | |
| 17 | $9,186 | 6.500% | — | 23 | +$2,516 | |
| 18 | $10,144 | 6.062% | — | 22 | +$3,474 | |
| 19 | $10,766 | 7.000% | — | 24 | +$4,096 | |
| 20 | $11,245 | 7.125% | — | 76 | +$4,575 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Centennial Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $6,670 | $7,127 | −$457 (−6.4%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, 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.