Centennial Bank in Arkansas vs the state
16.1%Denial rate-2.08 pts vs state
20.8%Decision denial rate-2.35 pts vs state
60.7%Origination rate+3.91 pts vs state
6.63%Median rate0.00 pts vs state
0.27Rate spread (pts)-0.07 pts vs state
$97kMedian applicant income
1,278Loans originated
339Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,234 | 1,290 | 18.3% | 6.75% | #7 |
| 2024 | 2,159 | 1,281 | 15.8% | 6.75% | #9 |
| 2025 | 2,104 | 1,278 | 16.1% | 6.63% | #11 |
What Centennial Bank lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Centennial Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Benton County | 477 | 289 | 42 | 8.8% |
| Faulkner County | 287 | 180 | 34 | 11.8% |
| Pulaski County | 242 | 134 | 45 | 18.6% |
| Washington County | 229 | 146 | 32 | 14.0% |
| Lonoke County | 144 | 111 | 16 | 11.1% |
| Craighead County | 95 | 56 | 21 | 22.1% |
| Conway County | 84 | 53 | 17 | 20.2% |
| Pope County | 61 | 40 | 14 | 23.0% |
| White County | 52 | 26 | 14 | 26.9% |
| Cleburne County | 46 | 25 | 8 | 17.4% |
Other large lenders in Arkansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Arvest Bank | C | 9,748 | 14.4% | 7.00% |
| Rocket Mortgage | C | 5,854 | 20.1% | 6.63% |
| ARKANSAS Federal Credit Union | F | 4,439 | 23.6% | 7.50% |
| Vanderbilt Mortgage and Finance | F | 3,491 | 38.4% | 10.25% |
| 21st Mortgage | F | 3,250 | 46.6% | 9.69% |
| Mortgage Research Center | C | 2,767 | 18.3% | 6.25% |
| Regions Bank | C | 2,646 | 40.0% | 6.13% |
| Firsttrust Home Loans | B | 2,590 | 0.5% | 6.49% |
| United Shore Financial Services | B | 2,456 | 13.3% | 6.12% |
| Triad Financial Services | D | 2,133 | 54.2% | 8.68% |
Frequently asked questions
Arkansas: 2,104 applications in 2025, of which 1,278 were originated and 339 denied.
16.1% of all applications, or 20.8% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Centennial Bank originated in Arkansas in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Centennial Bank's own HMDA filing for properties located in Arkansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology