First Centennial Mortgage Corporation Rates, Fees & Info

CHICAGO, IL

LEI: 549300SELI3XCH3UZW80

Tax ID: 36-4176531

5 stars - out of 5 stars, based on 114 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

First Centennial Mortgage Corporation is a mid-sized mortgage company specializing in Home Purchase and Refi loans. First Centennial Mortgage Corporation has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Chicago, Los Angeles, Milwaukee, Denver, and Portland among others. First Centennial Mortgage Corporation has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. First Centennial Mortgage Corporation is typically an average fee lendor.


Originations

13,024

Origination Dollar Volume (All Markets)

$3,594,630,000
Show all (42) awards

Relative Rate

First Centennial Mortgage Corporation's average 30 year fixed rate mortgage of loans were 2.99%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.16%.

Relative Fees

First Centennial Mortgage Corporation's average total fees for a 30 year fixed rate mortgage are $4,407.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 7,966 $1,973,280,000 $247,713 $3,851 2.87%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 540 $320,770,000 $594,019 $5,653 2.87%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 753 $185,565,000 $246,434 $2,661 2.87%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 232 $95,120,000 $410,000 $2,972 2.87%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 236 $88,030,000 $373,008 $4,706 2.86%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 223 $87,155,000 $390,830 $5,383 2.90%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 267 $75,975,000 $284,551 $5,002 3.02%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 210 $65,560,000 $312,190 $5,323 2.95%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 196 $61,080,000 $311,633 $5,037 3.01%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 194 $58,240,000 $300,206 $4,352 2.83%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 128 $42,360,000 $330,938 $5,492 3.00%
Outside of Metro Areas 189 $41,465,000 $219,392 $3,735 3.02%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 115 $37,445,000 $325,609 $6,481 2.93%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 85 $32,975,000 $387,941 $3,249 2.81%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 174 $32,600,000 $187,356 $4,722 3.13%
RACINE, WI (FHA|USDA|VA) 111 $22,075,000 $198,874 $3,465 2.93%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 115 $20,615,000 $179,261 $3,509 3.00%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 26 $16,850,000 $648,077 $4,714 2.76%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 23 $16,655,000 $724,130 $5,467 2.93%
ROCKFORD, IL (FHA|USDA|VA) 83 $14,325,000 $172,590 $4,146 2.95%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 33 $13,845,000 $419,545 $4,277 2.89%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 32 $12,070,000 $377,188 $4,799 2.96%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 38 $11,330,000 $298,158 $4,535 2.92%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 43 $10,755,000 $250,116 $4,394 2.92%
Whitewater, WI (FHA|USDA|VA) 36 $10,320,000 $286,667 $3,358 2.96%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 28 $9,010,000 $321,786 $4,093 2.90%
LONGVIEW, WA (FHA|USDA|VA) 30 $8,850,000 $295,000 $3,391 2.89%
Ottawa, IL (FHA|USDA|VA) 50 $8,530,000 $170,600 $4,174 2.88%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 45 $8,145,000 $181,000 $3,387 3.08%
COLORADO SPRINGS, CO (FHA|USDA|VA) 23 $7,895,000 $343,261 $3,600 2.95%
GREELEY, CO (FHA|USDA|VA) 19 $7,885,000 $415,000 $3,542 2.91%
MADISON, WI (FHA|USDA|VA) 20 $7,510,000 $375,500 $2,558 2.82%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 36 $6,870,000 $190,833 $3,854 3.13%
BOULDER, CO (FHA|USDA|VA) 17 $6,675,000 $392,647 $2,706 2.79%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 19 $6,095,000 $320,789 $5,154 2.84%
NILES, MI (FHA|USDA|VA) 21 $5,345,000 $254,524 $3,109 2.82%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 13 $5,305,000 $408,077 $3,865 2.82%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 18 $4,770,000 $265,000 $3,844 2.83%
KANKAKEE, IL (FHA|USDA|VA) 24 $4,480,000 $186,667 $3,605 2.89%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 7 $4,315,000 $616,429 $5,359 3.14%
FORT COLLINS, CO (FHA|USDA|VA) 14 $4,240,000 $302,857 $2,649 2.95%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 12 $4,230,000 $352,500 $4,250 2.91%
PUNTA GORDA, FL (FHA|USDA|VA) 16 $4,190,000 $261,875 $3,625 2.78%
TUCSON, AZ (FHA|USDA|VA) 7 $3,925,000 $560,714 $4,950 2.75%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 16 $3,370,000 $210,625 $3,648 3.06%
APPLETON, WI (FHA|USDA|VA) 16 $3,340,000 $208,750 $3,512 3.08%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 13 $3,155,000 $242,692 $4,118 2.77%
Stephenville, TX (FHA|USDA|VA) 16 $3,010,000 $188,125 $5,004 3.19%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 7 $2,725,000 $389,286 $5,219 2.61%
AKRON, OH (FHA|USDA|VA) 13 $2,695,000 $207,308 $4,867 2.82%
Edwards, CO (FHA|USDA|VA) 3 $2,595,000 $865,000 $6,583 2.67%
SHEBOYGAN, WI (FHA|USDA|VA) 11 $2,535,000 $230,455 $4,967 3.10%
JACKSONVILLE, FL (FHA|USDA|VA) 8 $2,400,000 $300,000 $4,294 3.03%
Rochelle, IL (FHA|USDA|VA) 14 $2,340,000 $167,143 $4,141 2.89%
Dixon, IL (FHA|USDA|VA) 10 $2,300,000 $230,000 $4,903 2.74%
Granbury, TX (FHA|USDA|VA) 8 $2,110,000 $263,750 $5,525 2.88%
Beaver Dam, WI (FHA|USDA|VA) 9 $2,105,000 $233,889 $2,692 2.75%
FOND DU LAC, WI (FHA|USDA|VA) 11 $2,065,000 $187,727 $3,802 2.83%
Kerrville, TX (FHA|USDA|VA) 6 $2,060,000 $343,333 $7,656 3.23%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 8 $2,010,000 $251,250 $2,987 2.91%
ST. LOUIS, MO-IL (FHA|USDA|VA) 12 $1,880,000 $156,667 $3,063 3.05%
FLAGSTAFF, AZ (FHA|USDA|VA) 5 $1,845,000 $369,000 $3,872 3.13%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 7 $1,745,000 $249,286 $2,797 2.79%
BLOOMINGTON, IL (FHA|USDA|VA) 10 $1,740,000 $174,000 $3,322 2.99%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 7 $1,655,000 $236,429 $4,228 3.00%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 6 $1,560,000 $260,000 $3,213 2.81%
STOCKTON, CA (FHA|USDA|VA) 4 $1,550,000 $387,500 $3,966 3.06%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 4 $1,520,000 $380,000 $3,214 2.91%
Stevens Point, WI (FHA|USDA|VA) 8 $1,450,000 $181,250 $3,402 3.02%
Holland, MI (FHA|USDA|VA) 4 $1,430,000 $357,500 $3,332 2.97%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 4 $1,430,000 $357,500 $4,273 2.91%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 7 $1,415,000 $202,143 $3,366 2.89%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $1,370,000 $685,000 $4,669 2.69%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 8 $1,360,000 $170,000 $2,153 2.91%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 4 $1,350,000 $337,500 $3,670 3.53%
FRESNO, CA (FHA|USDA|VA) 3 $1,295,000 $431,667 $3,674 3.04%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 7 $1,255,000 $179,286 $3,845 2.66%
GREEN BAY, WI (FHA|USDA|VA) 7 $1,245,000 $177,857 $2,271 2.88%
BEND, OR (FHA|USDA|VA) 3 $1,235,000 $411,667 $3,837 2.83%
SALEM, OR (FHA|USDA|VA) 4 $1,220,000 $305,000 $4,275 3.06%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 7 $1,205,000 $172,143 $3,137 2.80%
WAUSAU-WESTON, WI (FHA|USDA|VA) 6 $1,200,000 $200,000 $3,526 2.81%
PEORIA, IL (FHA|USDA|VA) 6 $1,190,000 $198,333 $3,962 2.63%
Mineral Wells, TX (FHA|USDA|VA) 5 $1,175,000 $235,000 $5,949 3.25%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 5 $1,085,000 $217,000 $3,603 2.83%
Manitowoc, WI (FHA|USDA|VA) 8 $1,080,000 $135,000 $4,746 3.25%
CARBONDALE-MARION, IL (FHA|USDA|VA) 8 $1,070,000 $133,750 $2,757 2.86%
Show Low, AZ (FHA|USDA|VA) 3 $1,055,000 $351,667 $5,868 3.13%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 4 $1,010,000 $252,500 $3,501 2.84%
Glenwood Springs, CO (FHA|USDA|VA) 2 $1,010,000 $505,000 $2,903 2.50%
OCALA, FL (FHA|USDA|VA) 6 $970,000 $161,667 $4,514 2.90%
ROCHESTER, MN (FHA|USDA|VA) 2 $940,000 $470,000 $3,185 2.81%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 8 $930,000 $116,250 $4,061 3.14%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 3 $905,000 $301,667 $3,997 3.13%
ABILENE, TX (FHA|USDA|VA) 3 $885,000 $295,000 $5,762 3.29%
KNOXVILLE, TN (FHA|USDA|VA) 2 $840,000 $420,000 $3,812 2.94%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $840,000 $420,000 $4,083 2.81%
LUBBOCK, TX (FHA|USDA|VA) 4 $840,000 $210,000 $5,331 3.47%
Centralia, WA (FHA|USDA|VA) 3 $835,000 $278,333 $3,395 2.63%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 2 $810,000 $405,000 $3,984 2.75%
BAKERSFIELD, CA (FHA|USDA|VA) 2 $810,000 $405,000 $4,051 3.06%
REDDING, CA (FHA|USDA|VA) 2 $810,000 $405,000 $4,244 3.06%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 3 $805,000 $268,333 $6,623 3.04%
COLUMBUS, OH (FHA|USDA|VA) 5 $785,000 $157,000 $5,717 2.70%
BELLINGHAM, WA (FHA|USDA|VA) 2 $750,000 $375,000 $6,062 2.63%
Breckenridge, CO (FHA|USDA|VA) 2 $750,000 $375,000 $2,520 2.69%
MERCED, CA (FHA|USDA|VA) 2 $740,000 $370,000 $3,780 3.13%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 3 $715,000 $238,333 $3,068 2.88%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 2 $700,000 $350,000 $4,511 2.81%
DULUTH, MN-WI (FHA|USDA|VA) 2 $690,000 $345,000 $2,420 3.06%
Baraboo, WI (FHA|USDA|VA) 3 $665,000 $221,667 $2,058 2.71%
SAN ANGELO, TX (FHA|USDA|VA) 3 $645,000 $215,000 $5,428 2.75%
Pontiac, IL (FHA|USDA|VA) 5 $645,000 $129,000 $3,573 3.10%
EAU CLAIRE, WI (FHA|USDA|VA) 3 $635,000 $211,667 $4,417 2.75%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $630,000 $315,000 $2,915 2.88%
Plymouth, IN (FHA|USDA|VA) 3 $615,000 $205,000 $3,532 2.92%
Key West, FL (FHA|USDA|VA) 1 $605,000 $605,000 $7,401 2.50%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $605,000 $605,000 $4,435 3.00%
Aberdeen, WA (FHA|USDA|VA) 2 $570,000 $285,000 $3,986 3.19%
YUMA, AZ (FHA|USDA|VA) 3 $565,000 $188,333 $3,462 2.63%
Sevierville, TN (FHA|USDA|VA) 1 $545,000 $545,000 $5,318 3.25%
Fredericksburg, TX (FHA|USDA|VA) 1 $545,000 $545,000 $7,490 3.00%
Kendallville, IN (FHA|USDA|VA) 2 $540,000 $270,000 $2,082 2.50%
Arcadia, FL (FHA|USDA|VA) 3 $535,000 $178,333 $5,725 2.46%
Marinette, WI-MI (FHA|USDA|VA) 3 $515,000 $171,667 $2,160 2.88%
SPRINGFIELD, IL (FHA|USDA|VA) 3 $515,000 $171,667 $2,695 2.63%
VALLEJO, CA (FHA|USDA|VA) 1 $515,000 $515,000 $4,374 2.88%
Rockport, TX (FHA|USDA|VA) 1 $505,000 $505,000 $5,943 2.75%
CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $500,000 $250,000 $3,522 2.94%
Ashtabula, OH (FHA|USDA|VA) 1 $495,000 $495,000 $4,435 3.38%
ANN ARBOR, MI (FHA|USDA|VA) 2 $470,000 $235,000 $2,424 2.88%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $470,000 $235,000 $2,778 2.94%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $460,000 $230,000 $3,326 2.94%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $455,000 $455,000 $5,367 2.88%
Newport, OR (FHA|USDA|VA) 2 $450,000 $225,000 $3,231 2.88%
CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $450,000 $225,000 $3,292 2.88%
Hood River, OR (FHA|USDA|VA) 1 $445,000 $445,000 $5,152 3.00%
Beeville, TX (FHA|USDA|VA) 4 $440,000 $110,000 $6,195 3.38%
KOKOMO, IN (FHA|USDA|VA) 1 $435,000 $435,000 $1,740 2.50%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $425,000 $425,000 $4,669 2.63%
WACO, TX (FHA|USDA|VA) 2 $420,000 $210,000 $6,109 3.31%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 2 $410,000 $205,000 $1,913 2.63%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 2 $390,000 $195,000 $4,976 4.06%
TYLER, TX (FHA|USDA|VA) 2 $370,000 $185,000 $3,861 2.81%
Winona, MN (FHA|USDA|VA) 2 $370,000 $185,000 $2,999 2.56%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 3 $365,000 $121,667 $3,666 2.88%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $355,000 $355,000 $4,863 3.13%
Sandusky, OH (FHA|USDA|VA) 2 $350,000 $175,000 $4,719 3.19%
PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $350,000 $175,000 $3,185 3.31%
Brownwood, TX (FHA|USDA|VA) 2 $340,000 $170,000 $4,587 3.06%
Port Angeles, WA (FHA|USDA|VA) 1 $335,000 $335,000 $2,347 3.13%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $335,000 $335,000 $11,574 2.50%
YAKIMA, WA (FHA|USDA|VA) 2 $330,000 $165,000 $3,231 2.69%
FORT WAYNE, IN (FHA|USDA|VA) 1 $325,000 $325,000 $2,526 2.00%
BLOOMINGTON, IN (FHA|USDA|VA) 2 $320,000 $160,000 $1,957 2.38%
Sterling, IL (FHA|USDA|VA) 3 $305,000 $101,667 $2,938 3.50%
VISALIA, CA (FHA|USDA|VA) 1 $305,000 $305,000 $3,741 2.75%
Sturgis, MI (FHA|USDA|VA) 1 $295,000 $295,000 $2,738 2.88%
MODESTO, CA (FHA|USDA|VA) 1 $295,000 $295,000 $3,120 2.63%
COLUMBUS, IN (FHA|USDA|VA) 1 $295,000 $295,000 $7,486 4.25%
PANAMA CITY, FL (FHA|USDA|VA) 2 $290,000 $145,000 $3,353 2.81%
Roseburg, OR (FHA|USDA|VA) 1 $285,000 $285,000 $5,846 3.00%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $285,000 $285,000 $8,138 3.25%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 2 $270,000 $135,000 $4,115 3.00%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $255,000 $255,000 $3,663 3.38%
Shawano, WI (FHA|USDA|VA) 1 $255,000 $255,000 $2,415 2.63%
SHERMAN-DENISON, TX (FHA|USDA|VA) 3 $255,000 $85,000 $4,176 4.13%
EL PASO, TX (FHA|USDA|VA) 2 $250,000 $125,000 $3,129 2.69%
The Dalles, OR (FHA|USDA|VA) 1 $245,000 $245,000 $6,916 3.25%
Shelton, WA (FHA|USDA|VA) 1 $245,000 $245,000 $2,313 2.75%
SAGINAW, MI (FHA|USDA|VA) 1 $245,000 $245,000 $3,325 3.13%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $240,000 $120,000 $3,718 2.94%
Austin, MN (FHA|USDA|VA) 1 $235,000 $235,000 $2,205 2.75%
FLINT, MI (FHA|USDA|VA) 1 $235,000 $235,000 $2,251 2.63%
LONGVIEW, TX (FHA|USDA|VA) 1 $235,000 $235,000 $2,560 2.75%
Alice, TX (FHA|USDA|VA) 1 $225,000 $225,000 $7,896 3.75%
Freeport, IL (FHA|USDA|VA) 2 $220,000 $110,000 $2,227 2.56%
AMARILLO, TX (FHA|USDA|VA) 1 $215,000 $215,000 $3,966 4.13%
Auburn, IN (FHA|USDA|VA) 1 $205,000 $205,000 $4,502 3.00%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $205,000 $205,000 $3,050 2.88%
Georgetown, SC (FHA|USDA|VA) 1 $195,000 $195,000 $6,828 4.13%
Centralia, IL (FHA|USDA|VA) 1 $195,000 $195,000 $2,633 3.38%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $190,000 $95,000 $3,683 3.31%
Charleston-Mattoon, IL (FHA|USDA|VA) 2 $180,000 $90,000 $1,588 2.88%
Mount Vernon, IL (FHA|USDA|VA) 1 $175,000 $175,000 $5,479 2.50%
READING, PA (FHA|USDA|VA) 1 $175,000 $175,000 $4,383 2.75%
Port Lavaca, TX (FHA|USDA|VA) 1 $175,000 $175,000 $3,888 3.50%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $175,000 $175,000 $3,899 3.13%
THE VILLAGES, FL (FHA|USDA|VA) 1 $165,000 $165,000 $3,445 3.00%
Jacksonville, IL (FHA|USDA|VA) 1 $165,000 $165,000 $2,588 3.00%
JACKSON, MI (FHA|USDA|VA) 1 $165,000 $165,000 $2,264 3.13%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $155,000 $155,000 $3,567 3.88%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 2 $150,000 $75,000 $3,791 2.88%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 1 $145,000 $145,000 $2,590 3.13%
Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $145,000 $145,000 $3,671 2.88%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $135,000 $135,000 $5,577 3.75%
Montrose, CO (FHA|USDA|VA) 1 $135,000 $135,000 $2,983 2.63%
WENATCHEE, WA (FHA|USDA|VA) 1 $135,000 $135,000 $4,351 3.13%
GAINESVILLE, FL (FHA|USDA|VA) 1 $125,000 $125,000 $2,828 2.13%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $125,000 $125,000 $5,352 3.25%
Taylorville, IL (FHA|USDA|VA) 1 $125,000 $125,000 $4,840 2.75%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $115,000 $115,000 $2,575 3.00%
Mount Pleasant, MI (FHA|USDA|VA) 1 $115,000 $115,000 $2,131 2.25%
Norwalk, OH (FHA|USDA|VA) 1 $115,000 $115,000 $4,470 2.75%
Iron Mountain, MI-WI (FHA|USDA|VA) 1 $115,000 $115,000 $4,598 3.63%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $105,000 $105,000 $2,371 2.50%
DECATUR, IL (FHA|USDA|VA) 1 $105,000 $105,000 $4,321 2.38%
PITTSBURGH, PA (FHA|USDA|VA) 1 $105,000 $105,000 $2,943 2.00%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $105,000 $105,000 $2,608 2.50%
Richmond, IN (FHA|USDA|VA) 1 $105,000 $105,000 $2,791 3.13%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $85,000 $85,000 $2,394 3.00%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $65,000 $65,000 $2,627 3.00%

First Centennial Mortgage Corporation's top markets include Chicago, Los Angeles, Milwaukee, Denver, and Portland among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 10,906 $3,063,980,000 $280,944 $3,356 2.89%
FHA 1,631 $383,515,000 $235,141 $7,961 2.95%
VA 427 $136,685,000 $320,105 $5,398 2.66%
USDA 60 $10,450,000 $174,167 $5,101 2.79%

For the 2021 period, First Centennial Mortgage Corporation's most frequently originated loan type of loans were Conventional, with 10,906 originations. Their 2nd most popular type is FHA, with 1,631 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 5,796 $1,624,890,000 $280,347 $5,708 3.00%
Refi 5,248 $1,424,320,000 $271,402 $2,488 2.72%
Cash Out Refi 1,980 $545,420,000 $275,465 $3,061 3.02%

For the 2021, First Centennial Mortgage Corporation's most frequently cited loan purpose of loans were Home Purchase, with 5,796 originations. The 2nd most popular reason of loans were Refi, with 5,248 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 10,392 $2,988,390,000 $287,566 $4,407 2.99%
15 Year 1,541 $344,265,000 $223,404 $2,513 2.42%
20 Year 682 $175,670,000 $257,581 $2,337 2.74%
10 Year 235 $44,635,000 $189,936 $2,177 2.30%
Other 174 $41,670,000 $239,483 $2,418 2.84%

For the 2021, First Centennial Mortgage Corporation's most frequently cited loan length of loans were 30 Year, with 10,392 originations. The 2nd most popular length of loans were 15 Year, with 1,541 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 11,577 $3,103,845,000 $268,104
$2k-3k 608 $173,020,000 $284,572
$<1k 403 $125,395,000 $311,154
$3k-4k 325 $112,355,000 $345,708
$5k+ 109 $79,755,000 $731,697

$4,407 of loans were First Centennial Mortgage Corporation's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 11,577 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 6,078 $1,730,290,000 $284,681
3-4% 3,967 $1,094,245,000 $275,837
<2.5% 2,820 $731,870,000 $259,528
4-5% 159 $38,225,000 $240,409

During 2021, First Centennial Mortgage Corporation's average interest rate of loans were 2.99%, while their most frequently originated rate bucket of loans were 2.5-3%, with 6,078 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 6,350 $1,775,280,000 $279,572 $4,165 2.89%
$100k-200k 4,172 $649,140,000 $155,594 $3,430 2.90%
$400k-600k 1,541 $740,165,000 $480,315 $4,442 2.85%
$100,000 or less 521 $42,345,000 $81,276 $2,974 2.88%
$600k-1MM 347 $259,755,000 $748,573 $6,153 3.05%
$1MM+ 93 $127,945,000 $1,375,753 $9,813 2.99%

2021 saw First Centennial Mortgage Corporation place emphasis on $200k-400k loans with 6,350 originations, totaling $1,775,280,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 3,010 $888,320,000 $295,123 $3,751 2.88%
$50k-75k 2,949 $611,945,000 $207,509 $4,310 2.93%
$75k-100k 2,391 $593,995,000 $248,430 $4,084 2.90%
$150k-250k 1,974 $721,160,000 $365,329 $3,762 2.86%
$50k or less 1,558 $244,620,000 $157,009 $4,192 2.92%
$250k+ 865 $457,765,000 $529,208 $4,352 2.89%

First Centennial Mortgage Corporation lent most frequently to those with incomes in the $100k-150k range, with 3,010 originations. The second most popular income band? $50k-75k, with 2,949 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 2,932 $823,960,000 $281,023 $3,463 2.83%
30-36% 2,410 $689,240,000 $285,992 $3,788 2.91%
<20% 964 $275,100,000 $285,373 $3,032 2.74%
50-60% 512 $133,550,000 $260,840 $8,095 2.87%
36% 498 $135,090,000 $271,265 $3,718 2.88%
44% 498 $128,580,000 $258,193 $4,225 2.98%
42% 485 $131,155,000 $270,423 $4,161 2.98%
41% 484 $138,470,000 $286,095 $4,263 2.98%
40% 475 $122,305,000 $257,484 $4,230 2.99%
37% 473 $130,855,000 $276,649 $3,937 2.91%
43% 471 $124,945,000 $265,276 $4,306 2.97%
38% 454 $123,040,000 $271,013 $3,928 2.95%
39% 448 $118,390,000 $264,263 $3,786 2.96%
49% 373 $103,835,000 $278,378 $4,721 2.95%
45% 345 $92,765,000 $268,884 $4,440 2.96%
46% 344 $90,510,000 $263,110 $4,688 2.95%
48% 321 $86,495,000 $269,455 $4,371 2.96%
47% 319 $85,345,000 $267,539 $4,676 2.94%
>60% 15 $4,675,000 $311,667 $4,792 2.88%

First Centennial Mortgage Corporation lent most frequently to those with DTI ratios of 20-30%, with 2,932 originations. The next most common DTI ratio? 30-36%, with 2,410 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 10,851 $2,947,345,000 $271,620 $3,862 2.89%
Asian 795 $249,715,000 $314,107 $3,750 2.78%
Not provided 727 $234,715,000 $322,854 $4,941 2.94%
Black 580 $144,810,000 $249,672 $5,758 2.99%
American Indian 58 $14,300,000 $246,552 $5,411 2.89%
Native Hawaiian 12 $3,630,000 $302,500 $5,193 2.97%
Asian Indian 1 $115,000 $115,000 $6,229 3.13%

Approval Rates

Total approvals of all applications
95.11%

First Centennial Mortgage Corporation has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
79.32%

First Centennial Mortgage Corporation has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 13,024 $3,594,630,000 $276,000

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
13,024 $3,594,630,000 $276,000

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 547 $118,195,000 $216,079 $2,996 2.62%
40-60% 1,974 $531,000,000 $268,997 $2,771 2.70%
60-80% 5,016 $1,448,250,000 $288,726 $3,109 2.92%
80-100% 5,346 $1,455,310,000 $272,224 $5,285 2.96%
Over 100% 95 $32,775,000 $345,000 $11,482 2.81%
Under 20% 46 $9,100,000 $197,826 $3,228 2.55%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
FIRST CENTENNIAL MORTGAGE CORP Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 28.6%
FIRST CENTENNIAL MORTGAGE CORP Conventional home mortgage Trouble during payment process 5 71.4%