Centennial Bank in Texas vs the state
17.0%Denial rate-2.41 pts vs state
24.3%Decision denial rate-0.58 pts vs state
52.2%Origination rate-2.72 pts vs state
7.00%Median rate+0.50 pts vs state
0.59Rate spread (pts)+0.39 pts vs state
$126kMedian applicant income
904Loans originated
295Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,089 | 502 | 24.2% | 7.25% | #142 |
| 2024 | 1,376 | 720 | 19.0% | 7.38% | #129 |
| 2025 | 1,733 | 904 | 17.0% | 7.00% | #116 |
What Centennial Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Centennial Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tarrant County | 221 | 131 | 37 | 16.7% |
| Dallas County | 163 | 102 | 20 | 12.3% |
| Montgomery County | 148 | 83 | 20 | 13.5% |
| Randall County | 118 | 61 | 17 | 14.4% |
| Potter County | 92 | 39 | 22 | 23.9% |
| Lubbock County | 61 | 25 | 17 | 27.9% |
| Bexar County | 57 | 27 | 11 | 19.3% |
| Denton County | 50 | 24 | 4 | 8.0% |
| Collin County | 47 | 30 | 6 | 12.8% |
| Harris County | 43 | 13 | 10 | 23.3% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 1,733 applications in 2025, of which 904 were originated and 295 denied.
17.0% of all applications, or 24.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Centennial Bank originated in Texas in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are Centennial Bank's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology