Centennial Bank in Alabama vs the state
23.4%Denial rate+3.59 pts vs state
34.1%Decision denial rate+9.09 pts vs state
45.3%Origination rate-10.08 pts vs state
6.63%Median rate+0.13 pts vs state
0.49Rate spread (pts)+0.20 pts vs state
$132kMedian applicant income
29Loans originated
15Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 58 | 31 | 27.6% | 7.25% | #263 |
| 2024 | 57 | 30 | 19.3% | 7.81% | #276 |
| 2025 | 64 | 29 | 23.4% | 6.63% | #280 |
What Centennial Bank lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Centennial Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baldwin County | 46 | 21 | 11 | 23.9% |
| Mobile County | 5 | 2 | 1 | 20.0% |
| Walker County | 4 | 2 | 0 | 0.0% |
| Elmore County | 2 | 2 | 0 | 0.0% |
| Covington County | 2 | 0 | 2 | 100.0% |
| Escambia County | 2 | 1 | 1 | 50.0% |
| Jefferson County | 1 | 0 | 0 | 0.0% |
| St. Clair County | 1 | 1 | 0 | 0.0% |
| Cherokee County | 1 | 0 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 64 applications in 2025, of which 29 were originated and 15 denied.
23.4% of all applications, or 34.1% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Centennial Bank originated in Alabama in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Centennial Bank's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology