Lender in Florida · HMDA 2025
Centennial Bank mortgages in Florida
Centennial Bank's 2025 home-purchase and refinance lending in Florida, compared with all lenders in the state.
Centennial Bank originated 367 owner-occupied single-family loans in Florida from 487 completed applications.
Its median conventional purchase loan costs were $6,460 versus $6,760 for all Florida lenders, at a median 30-year fixed rate of 6.875% (Florida: 6.625%).
Loans in FL
367
of 487 applications
Denial rate
23.0%
Purchase · FL 12.8%
Rate spread
+0.56 pts
Conv. · FL +0.14 pts
Loan amount
$315,000
Purchase · FL $345,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 431 | 330 | 23.0% | 6.875% | +0.56 pts | $6,460 | $315,000 |
| Refinance | 19 | 14 | — | — | — | — | — |
| Cash-out refinance | 37 | 23 | 32.4% | — | +0.28 pts | $5,380 | $275,000 |
*Conventional loans only; medians with at least 20 loans.
Florida counties where Centennial Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Gulf County | 2 | 25 | 14.0% |
| Franklin County | 3 | 8 | 7.8% |
| Monroe County | 5 | 16 | 2.4% |
| Wakulla County | 9 | 22 | 3.2% |
| Liberty County | 9 | 1 | 2.9% |
| Bay County | 11 | 64 | 1.9% |
| Washington County | 18 | 3 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology