Applications / Mortgage Analytics / Lenders / Arkansas / Centennial Bank
Conway, AR · State member bank · FRS · $22.7 billion assets · 2,868 loans in 2025
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2,868
loans originated, 2025
5,149
applications, 2025
22
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Centennial Bank is a home-purchase lender with far more government-backed loans than similar banks, and in 2025 it grew 9%, faster than the typical peer.
Among similar lenders (state member banks making between half and twice as many loans), FHA loans (insured by the Federal Housing Administration) were 14.1% of Centennial's, against 2.3% for the typical peer, higher than about nine in ten. VA loans (guaranteed by the Department of Veterans Affairs) were 5.4% and RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) 1.6%. Purchases made up 79.8% of its loans.
Its 9% rise compares with 2% for the typical peer and 10% for the whole market, and the amount it lent rose from $856.7 million to $1.00 billion. It remains below the 4,467 loans it made in 2020, a year when its typical rate was 3.25%, against 6.88% now. Its typical loan, $255,000, was higher than about two-thirds of peers.
In Little Rock-North Little Rock-Conway, where it has lent since before 1990, it ranks 8 of 423 lenders, with its share up from 2.4% to 3.1%. Arvest Bank leads there with $252.7M.
Majority-minority areas took 19.2% of its loans, against 11.8% for the typical peer and 7.1% five years before. Its shares to LMI (low- and moderate-income) borrowers, 26.3%, and LMI areas, 17.0%, were near the middle of peers.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Centennial Bank took 5,149 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 79.8% · Refinance 10.3% · Home improvement 6.6% · Other 3.3%
Conventional 78.9% · FHA 14.1% · VA 5.4% · USDA (RHS or FSA) 1.6% · of 2,868 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Arkansas | 1,278 | 44.6% |
| Texas | 904 | 31.5% |
| Florida | 582 | 20.3% |
| Alabama | 29 | 1.0% |
| Oklahoma | 19 | 0.7% |
| Missouri | 17 | 0.6% |
| Colorado | 6 | 0.2% |
| Georgia | 5 | 0.2% |
| New Mexico | 5 | 0.2% |
| Kansas | 3 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Little Rock-North Little Rock-Conway | 462 |
| Fayetteville-Springdale-Rogers | 443 |
| Dallas-Plano-Irving | 190 |
| Fort Worth-Arlington-Grapevine | 167 |
| Houston-Pasadena-The Woodlands | 111 |
| Amarillo | 103 |
| Panama City-Panama City Beach | 102 |
| Jonesboro | 61 |
| Tallahassee | 57 |
| Pensacola-Ferry Pass-Brent | 54 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BEFX6JRSCS5N78 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 456045 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311241 | 2000–2005 |
| Respondent ID (the HMDA filer code before 2018) | 2456045 | 2006–2017 |
Established 1 January 1903. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Centennial Bank's data.
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