Lender in Texas · HMDA 2025
Centennial Bank mortgages in Texas
Centennial Bank's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Centennial Bank originated 693 owner-occupied single-family loans in Texas from 881 completed applications.
Its median conventional purchase loan costs were $7,020 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 7.00% (Texas: 6.50%).
Loans in TX
693
of 881 applications
Denial rate
19.7%
Purchase · TX 10.2%
Rate spread
+0.66 pts
Conv. · TX +0.09 pts
Loan amount
$325,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 783 | 625 | 19.7% | 7.000% | +0.66 pts | $7,020 | $325,000 |
| Refinance | 51 | 41 | 19.6% | — | −0.01 pts | $5,490 | $515,000 |
| Cash-out refinance | 47 | 27 | 42.5% | — | +0.66 pts | $6,980 | $305,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Centennial Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Sherman County | 1 | 6 | 20.0% |
| Ochiltree County | 3 | 7 | 12.1% |
| Wheeler County | 3 | 3 | 10.3% |
| Moore County | 4 | 13 | 6.0% |
| Walker County | 5 | 24 | 4.3% |
| Parmer County | 5 | 2 | 4.8% |
| Hemphill County | 7 | 1 | 5.3% |
| Mason County | 7 | 1 | 4.3% |
| Kerr County | 8 | 18 | 3.6% |
| Grimes County | 9 | 9 | 2.2% |
| Hutchinson County | 9 | 6 | 2.7% |
| Bailey County | 9 | 1 | 3.5% |
| Deaf Smith County | 10 | 4 | 3.1% |
| Hall County | 10 | 1 | 4.0% |
| Castro County | 11 | 1 | 2.6% |
| Potter County | 12 | 22 | 2.3% |
| Gillespie County | 12 | 6 | 1.8% |
| Hansford County | 13 | 1 | 2.7% |
| Randall County | 14 | 38 | 1.6% |
| Gray County | 14 | 3 | 1.6% |
| Delta County | 14 | 1 | 1.8% |
| Hartley County | 14 | 1 | 1.8% |
| Hale County | 16 | 3 | 1.5% |
| Dallam County | 16 | 1 | 2.0% |
| Swisher County | 17 | 1 | 1.6% |
| Lynn County | 18 | 1 | 1.5% |
| San Jacinto County | 19 | 3 | 1.1% |
| Washington County | 25 | 3 | 0.7% |
| Red River County | 25 | 1 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology