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 Refi and Home Purchase 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 Riverside among others. We have data for 197 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 a low 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 | 6.77% | 12/2/24 |
| 30 Year Conventional Refi | 6.57% | 12/2/24 |
| 30 Year Cash-out Refi | 6.70% | 12/2/24 |
| 30 Year FHA Purchase | 7.61% | 12/2/24 |
| 30 Year FHA Refi | 7.36% | 12/2/24 |
| 30 Year VA Purchase | 6.49% | 12/2/24 |
| 30 Year VA Refi | 6.13% | 12/2/24 |
| 30 Year USDA Purchase | 6.97% | 12/2/24 |
| 30 Year USDA Refi | 6.92% | 12/2/24 |
| 15 Year Conventional Purchase | 6.15% | 12/2/24 |
| 15 Year Conventional Refi | 6.04% | 12/2/24 |
| 15 Year Cash-out Refi | 6.04% | 12/2/24 |
| 15 Year FHA Refi | 5.68% | 12/2/24 |
| 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. | ||
First Centennial Mortgage Corporation Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
13,252Origination Dollar Volume (All Markets)
$3,570,630,000Awards
FIRST CENTENNIAL MORTGAGE CORPORATION - 2020
FIRST CENTENNIAL MORTGAGE CORPORATION is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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) | 8,288 | $2,038,990,000 | $246,017 | $3,574 | 2.99% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 672 | $339,340,000 | $504,970 | $4,681 | 3.05% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 611 | $153,775,000 | $251,678 | $2,745 | 3.12% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 347 | $122,225,000 | $352,233 | $2,566 | 2.98% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 270 | $95,580,000 | $354,000 | $5,524 | 3.03% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 274 | $92,510,000 | $337,628 | $4,437 | 3.01% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 286 | $74,490,000 | $260,455 | $4,671 | 3.17% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 233 | $64,165,000 | $275,386 | $4,821 | 2.93% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 197 | $56,675,000 | $287,690 | $4,752 | 3.10% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 200 | $56,500,000 | $282,500 | $4,092 | 2.84% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 168 | $33,140,000 | $197,262 | $4,444 | 3.24% |
| Outside of Metro Areas | 127 | $29,325,000 | $230,906 | $3,305 | 3.05% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 98 | $26,450,000 | $269,898 | $5,232 | 2.97% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 70 | $24,960,000 | $356,571 | $3,896 | 3.09% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 40 | $21,140,000 | $528,500 | $3,970 | 2.87% |
| RACINE, WI (FHA|USDA|VA) | 106 | $20,210,000 | $190,660 | $3,184 | 2.98% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 32 | $19,670,000 | $614,688 | $4,034 | 3.01% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 41 | $17,665,000 | $430,854 | $3,772 | 2.90% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 86 | $17,540,000 | $203,953 | $3,118 | 3.06% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 62 | $17,140,000 | $276,452 | $4,657 | 2.76% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 58 | $13,320,000 | $229,655 | $4,579 | 3.06% |
| ROCKFORD, IL (FHA|USDA|VA) | 77 | $12,385,000 | $160,844 | $4,219 | 3.04% |
| LONGVIEW, WA (FHA|USDA|VA) | 29 | $8,695,000 | $299,828 | $4,618 | 3.23% |
| Whitewater, WI (FHA|USDA|VA) | 34 | $8,590,000 | $252,647 | $3,200 | 3.17% |
| BOULDER, CO (FHA|USDA|VA) | 21 | $6,775,000 | $322,619 | $2,182 | 3.03% |
| Ottawa, IL (FHA|USDA|VA) | 37 | $6,635,000 | $179,324 | $3,750 | 2.91% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 22 | $6,490,000 | $295,000 | $3,919 | 2.91% |
| GREELEY, CO (FHA|USDA|VA) | 20 | $6,360,000 | $318,000 | $2,625 | 2.96% |
| NILES, MI (FHA|USDA|VA) | 25 | $6,195,000 | $247,800 | $3,144 | 2.91% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 20 | $5,900,000 | $295,000 | $3,933 | 2.69% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 20 | $5,680,000 | $284,000 | $4,668 | 3.06% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 16 | $5,450,000 | $340,625 | $2,568 | 2.95% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 20 | $5,010,000 | $250,500 | $3,711 | 3.04% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 10 | $4,600,000 | $460,000 | $4,140 | 2.91% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 13 | $4,595,000 | $353,462 | $4,348 | 3.03% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 25 | $4,545,000 | $181,800 | $3,784 | 2.95% |
| FORT COLLINS, CO (FHA|USDA|VA) | 16 | $4,480,000 | $280,000 | $2,303 | 3.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 12 | $4,250,000 | $354,167 | $3,220 | 2.82% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 10 | $4,240,000 | $424,000 | $3,010 | 3.13% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 16 | $3,890,000 | $243,125 | $2,982 | 2.86% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 16 | $3,810,000 | $238,125 | $2,700 | 2.74% |
| MADISON, WI (FHA|USDA|VA) | 13 | $3,805,000 | $292,692 | $3,610 | 2.88% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 9 | $3,585,000 | $398,333 | $4,196 | 2.83% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 12 | $3,150,000 | $262,500 | $3,547 | 2.84% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 20 | $3,120,000 | $156,000 | $3,476 | 3.68% |
| AKRON, OH (FHA|USDA|VA) | 11 | $2,765,000 | $251,364 | $5,158 | 3.19% |
| Rochelle, IL (FHA|USDA|VA) | 15 | $2,675,000 | $178,333 | $4,394 | 2.93% |
| Beaver Dam, WI (FHA|USDA|VA) | 13 | $2,525,000 | $194,231 | $2,967 | 3.36% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 6 | $2,410,000 | $401,667 | $3,702 | 2.83% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 8 | $2,040,000 | $255,000 | $4,017 | 2.92% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 14 | $1,990,000 | $142,143 | $3,963 | 3.60% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 5 | $1,955,000 | $391,000 | $4,142 | 3.00% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 7 | $1,945,000 | $277,857 | $3,466 | 3.48% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 8 | $1,920,000 | $240,000 | $6,184 | 3.22% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 8 | $1,920,000 | $240,000 | $4,707 | 3.23% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 7 | $1,745,000 | $249,286 | $4,214 | 2.93% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 7 | $1,725,000 | $246,429 | $2,416 | 2.70% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 4 | $1,710,000 | $427,500 | $4,719 | 2.88% |
| Dixon, IL (FHA|USDA|VA) | 9 | $1,635,000 | $181,667 | $3,605 | 2.99% |
| TUCSON, AZ (FHA|USDA|VA) | 6 | $1,580,000 | $263,333 | $4,376 | 2.75% |
| Stephenville, TX (FHA|USDA|VA) | 8 | $1,560,000 | $195,000 | $4,776 | 2.52% |
| FOND DU LAC, WI (FHA|USDA|VA) | 9 | $1,535,000 | $170,556 | $2,451 | 3.50% |
| SALEM, OR (FHA|USDA|VA) | 6 | $1,520,000 | $253,333 | $4,267 | 2.90% |
| GREEN BAY, WI (FHA|USDA|VA) | 11 | $1,495,000 | $135,909 | $2,366 | 3.48% |
| Shelton, WA (FHA|USDA|VA) | 5 | $1,465,000 | $293,000 | $3,021 | 2.88% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 3 | $1,415,000 | $471,667 | $4,337 | 2.92% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 6 | $1,410,000 | $235,000 | $2,452 | 2.81% |
| ANN ARBOR, MI (FHA|USDA|VA) | 6 | $1,410,000 | $235,000 | $2,764 | 3.13% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 4 | $1,290,000 | $322,500 | $4,469 | 2.66% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 9 | $1,285,000 | $142,778 | $2,863 | 3.51% |
| Glenwood Springs, CO (FHA|USDA|VA) | 2 | $1,280,000 | $640,000 | $3,467 | 3.00% |
| Breckenridge, CO (FHA|USDA|VA) | 4 | $1,270,000 | $317,500 | $2,785 | 2.78% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 4 | $1,180,000 | $295,000 | $3,593 | 2.94% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 7 | $1,165,000 | $166,429 | $4,041 | 2.73% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 7 | $1,165,000 | $166,429 | $2,059 | 2.63% |
| Edwards, CO (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $2,562 | 3.21% |
| Sandusky, OH (FHA|USDA|VA) | 4 | $1,130,000 | $282,500 | $4,643 | 3.13% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 6 | $1,100,000 | $183,333 | $3,350 | 3.00% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 5 | $1,085,000 | $217,000 | $2,752 | 2.73% |
| STOCKTON, CA (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $3,151 | 3.29% |
| COLUMBUS, OH (FHA|USDA|VA) | 5 | $1,035,000 | $207,000 | $4,404 | 3.23% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $3,789 | 3.13% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $4,686 | 3.09% |
| MODESTO, CA (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $3,459 | 2.97% |
| BEND, OR (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $3,850 | 2.88% |
| VALLEJO, CA (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $3,798 | 2.56% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $3,638 | 2.81% |
| TOLEDO, OH (FHA|USDA|VA) | 5 | $925,000 | $185,000 | $4,706 | 3.00% |
| Warsaw, IN (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $2,235 | 2.63% |
| Granbury, TX (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $5,350 | 3.00% |
| KANKAKEE, IL (FHA|USDA|VA) | 5 | $855,000 | $171,000 | $4,257 | 2.80% |
| THE VILLAGES, FL (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $3,521 | 2.63% |
| The Dalles, OR (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $6,448 | 2.81% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $4,270 | 2.69% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $4,874 | 3.25% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $3,474 | 2.75% |
| Pontiac, IL (FHA|USDA|VA) | 5 | $735,000 | $147,000 | $4,694 | 2.75% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $3,256 | 2.67% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $3,424 | 3.94% |
| LANCASTER, PA (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $4,698 | 2.75% |
| Centralia, WA (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $2,986 | 2.92% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $4,761 | 3.44% |
| PITTSBURGH, PA (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $3,901 | 2.83% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $4,523 | 3.41% |
| PEORIA, IL (FHA|USDA|VA) | 4 | $620,000 | $155,000 | $3,993 | 3.31% |
| Kerrville, TX (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $5,102 | 2.81% |
| Brenham, TX (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $4,914 | 2.92% |
| APPLETON, WI (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $2,140 | 3.00% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $4,449 | 3.00% |
| Oak Harbor, WA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $4,136 | 3.13% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $5,573 | 3.13% |
| Holland, MI (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $2,658 | 3.19% |
| Galesburg, IL (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $4,207 | 2.50% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $3,846 | 3.16% |
| Manitowoc, WI (FHA|USDA|VA) | 5 | $535,000 | $107,000 | $3,334 | 4.00% |
| Astoria, OR (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,522 | 2.88% |
| Prineville, OR (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $6,731 | 2.50% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $4,756 | 3.46% |
| Willmar, MN (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,893 | 2.75% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $2,728 | 2.38% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $2,098 | 2.75% |
| Marquette, MI (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $1,347 | 2.94% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $2,641 | 2.63% |
| Freeport, IL (FHA|USDA|VA) | 4 | $470,000 | $117,500 | $4,247 | 2.72% |
| READING, PA (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $3,311 | 2.63% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $2,554 | 2.63% |
| DULUTH, MN-WI (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $2,362 | 3.13% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $5,641 | 3.63% |
| OCALA, FL (FHA|USDA|VA) | 5 | $415,000 | $83,000 | $2,758 | 3.05% |
| Stevens Point, WI (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $3,722 | 3.71% |
| WACO, TX (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $3,360 | 3.58% |
| Athens, TX (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,986 | 2.63% |
| Sterling, IL (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $2,812 | 2.79% |
| Aberdeen, WA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,701 | 3.25% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,547 | 2.50% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $2,850 | 3.04% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,572 | 3.13% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,108 | 2.50% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $4,386 | 3.54% |
| Houghton, MI (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $4,053 | 3.56% |
| FORT WAYNE, IN (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,221 | 2.81% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,157 | 2.63% |
| MADERA, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,742 | 2.38% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,021 | 4.25% |
| Sturgis, MI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,265 | 3.75% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,779 | 2.75% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,438 | 3.13% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $4,910 | 3.31% |
| Plymouth, IN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,594 | 2.75% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,951 | 2.13% |
| Platteville, WI (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $3,097 | 2.88% |
| FLINT, MI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,468 | 3.38% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,415 | 2.88% |
| DECATUR, IL (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $2,068 | 3.13% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,034 | 2.88% |
| Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $2,171 | 2.69% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,299 | 2.88% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,277 | 3.00% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,475 | 2.50% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,141 | 2.88% |
| Mount Pleasant, MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,782 | 2.50% |
| Rockport, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,816 | 3.00% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,422 | 2.63% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,735 | 3.50% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,825 | 2.25% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,450 | 2.75% |
| Bay City, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,761 | 3.25% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,190 | 2.88% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,205 | 3.38% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $2,411 | 2.88% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,438 | 3.38% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,947 | 2.25% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,040 | 3.75% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,420 | 3.38% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,405 | 2.63% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,883 | 2.75% |
| New Ulm, MN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,070 | 2.88% |
| Newport, OR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,781 | 3.63% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,377 | 2.63% |
| Auburn, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,550 | 3.00% |
| Madison, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,855 | 2.50% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,599 | 2.38% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,622 | 3.38% |
| Charleston-Mattoon, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,235 | 2.75% |
| Coldwater, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,587 | 2.88% |
| New Castle, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,297 | 2.88% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,840 | 3.38% |
| Montrose, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,258 | 3.13% |
| Palestine, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,813 | 2.75% |
| Beeville, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,973 | 3.00% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,487 | 2.88% |
| Adrian, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,330 | 3.00% |
| Marinette, WI-MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,300 | 3.88% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,037 | 3.13% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,322 | 2.38% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,554 | 2.50% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,166 | 3.88% |
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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 2020, First Centennial Mortgage Corporation's most frequently originated type of loan was Conventional, with 11,118 originations. Their 2nd most popular type was FHA, with 1,636 originations.
Loan Reason
For 2020, First Centennial Mortgage Corporation's most frequently cited loan purpose was Refi, with 6,436 originations. The 2nd most popular reason was Home Purchase, with 5,359 originations.
Loan Duration/Length
For 2020, First Centennial Mortgage Corporation's most frequently cited loan duration was 30 Year, with 10,438 originations. The 2nd most popular length was 15 Year, with 1,636 originations.
Origination Fees/Closing Costs
First Centennial Mortgage Corporation's average total fees were $4,110, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 11,844 originations.
Interest Rates
During 2020, First Centennial Mortgage Corporation's average interest rate for loans was 3.07%, while their most frequently originated rate bucket for loans was 2.5-3%, with 5,352 originations.
Loan Sizing
2020 saw First Centennial Mortgage Corporation place emphasis on $200k-400k loans with 6,725 originations, totaling $1,888,265,000 in origination value.
Applicant Income
First Centennial Mortgage Corporation lent most frequently to those with incomes in the $100k-150k range, with 3,222 originations. The second most popular income band? $50k-75k, with 2,772 originations.
Applicant Debt to Income Ratio
First Centennial Mortgage Corporation lent most frequently to those with DTI ratios of 20-30%, with 3,236 originations. The next most common DTI ratio? 30-36%, with 2,481 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.46%
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 origination80.44%
First Centennial Mortgage Corporation has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 13,252 | $3,570,630,000 | $269,441 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 48 | $9,780,000 | $203,750 |
| Single Family (1-4 Units):Site-Built | 13,204 | $3,560,850,000 | $269,680 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST HOME MORTGAGE CORPORATION | FHA mortgage | Struggling to pay mortgage | 1 | 25.0% |
| FIRST HOME MORTGAGE CORPORATION | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 25.0% |
| FIRST HOME MORTGAGE CORPORATION | Conventional home mortgage | Struggling to pay mortgage | 1 | 25.0% |
| FIRST HOME MORTGAGE CORPORATION | Conventional home mortgage | Closing on a mortgage | 1 | 25.0% |