First Centennial Mortgage Corporation Rates, Fees & Info
CHICAGO, ILLEI: 549300SELI3XCH3UZW80
Tax ID: 36-4176531
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Mortgage Data
Review & 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 by origination volume include: Chicago, Los Angeles, Milwaukee, Denver, and Portland among others. We have data for 212 markets. (Some data included below & more in-depth data is available with an active subscription.)First Centennial Mortgage Corporation has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First Centennial Mortgage Corporation is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.89% | 11/26/22 |
| 30 Year Conventional Refi | 6.66% | 11/26/22 |
| 30 Year Cash-out Refi | 6.85% | 11/26/22 |
| 30 Year FHA Purchase | 7.73% | 11/26/22 |
| 30 Year FHA Refi | 7.28% | 11/26/22 |
| 30 Year VA Purchase | 6.57% | 11/26/22 |
| 30 Year VA Refi | 6.21% | 11/26/22 |
| 30 Year USDA Purchase | 6.93% | 11/26/22 |
| 30 Year USDA Refi | 7.02% | 11/26/22 |
| 15 Year Conventional Purchase | 6.15% | 11/26/22 |
| 15 Year Conventional Refi | 6.01% | 11/26/22 |
| 15 Year Cash-out Refi | 6.01% | 11/26/22 |
| 15 Year FHA Refi | 7.04% | 11/26/22 |
| 15 Year VA Purchase | 6.05% | 11/26/22 |
| 15 Year VA Refi | 6.44% | 11/26/22 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Originations
13,024Origination Dollar Volume (All Markets)
$3,594,630,000Awards
FIRST CENTENNIAL MORTGAGE CORPORATION - 2021
FIRST CENTENNIAL MORTGAGE CORPORATION is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
First Centennial Mortgage Corporation's average 30 year fixed mortgage rate was
2.99%.
The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.
This yields a difference of -0.16%.
Relative Fees (Closing Costs)
First Centennial Mortgage Corporation's average total fees/closing costs for a 30 year fixed rate
mortgage were $4,407.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $4,750.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| 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% |
Similar Lenders
We use machine learning to identify the top lenders compared against FIRST CENTENNIAL MORTGAGE CORPORATION based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2021, First Centennial Mortgage Corporation's most frequently originated type of loan was Conventional, with 10,906 originations. Their 2nd most popular type was FHA, with 1,631 originations.
Loan Reason
For 2021, First Centennial Mortgage Corporation's most frequently cited loan purpose was Home Purchase, with 5,796 originations. The 2nd most popular reason was Refi, with 5,248 originations.
Loan Duration/Length
For 2021, First Centennial Mortgage Corporation's most frequently cited loan duration was 30 Year, with 10,392 originations. The 2nd most popular length was 15 Year, with 1,541 originations.
Origination Fees/Closing Costs
First Centennial Mortgage Corporation's average total fees were $4,407, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 2.99%, while their most frequently originated rate bucket for loans was 2.5-3%, with 6,078 originations.
Loan Sizing
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
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
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
Approval Rates
Total approvals of all applications95.81%
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 origination80.67%
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
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% |
