Centennial Bank in Florida vs the state
19.8%Denial rate-1.31 pts vs state
26.8%Decision denial rate-0.43 pts vs state
52.5%Origination rate-0.21 pts vs state
6.88%Median rate+0.25 pts vs state
0.58Rate spread (pts)+0.31 pts vs state
$113kMedian applicant income
582Loans originated
219Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,429 | 763 | 21.4% | 6.88% | #114 |
| 2024 | 1,123 | 542 | 20.2% | 7.13% | #139 |
| 2025 | 1,109 | 582 | 19.8% | 6.88% | #141 |
What Centennial Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Centennial Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bay County | 165 | 99 | 33 | 20.0% |
| Gulf County | 104 | 59 | 18 | 17.3% |
| Monroe County | 70 | 42 | 14 | 20.0% |
| Wakulla County | 59 | 31 | 7 | 11.9% |
| Leon County | 52 | 20 | 15 | 28.8% |
| Escambia County | 48 | 32 | 5 | 10.4% |
| Lee County | 45 | 31 | 5 | 11.1% |
| Santa Rosa County | 44 | 22 | 7 | 15.9% |
| Osceola County | 41 | 27 | 5 | 12.2% |
| Broward County | 38 | 11 | 16 | 42.1% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 1,109 applications in 2025, of which 582 were originated and 219 denied.
19.8% of all applications, or 26.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Centennial Bank originated in Florida in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Centennial Bank's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology