What loan types does Centris offer?

Centris offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Centris offer mortgages?

Centris offers mortgages in 2 states: IA, NE.

How competitive are Centris's mortgage rates?

Centris has an overall pricing score of 76.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Centris?

Centris is a Credit Union headquartered in Omaha, NE.

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Centris

Credit Union•Omaha, NEHQ•Direct•Reviews near you on Google

Centris has 232 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Sound

3/5

Conventional

Place

Exceptional

5/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

Centris performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+16.1 bps above market avg

4/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

231 loans · 0.16% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

185 loans · 0.12% above market

Sound

Top 60% of lenders

3/5

Refinance

47 loans · 0.33% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Strong	Sound	231	99.6%	+0.161%Above	$1,068Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume231

Mix99.6%

Spread

+0.161%Above

Fees

$1,068Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Strong	Sound	185	79.7%	+0.116%Above	$1,091Fees
Refinance	Sound	Sound	Strong	Sound	47	20.3%	+0.332%Above	$977Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume185

Mix79.7%

Spread

+0.116%Above

Fees

$1,091Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume47

Mix20.3%

Spread

+0.332%Above

Fees

$977Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

232

Applications

347

Volume

$56 million

Pricing & Closing

Avg Rate Spread

+0.161%

vs. market APOR

Avg Net Fees

$1,068

Origination − Credits

Pullthrough Rate

66.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$241,853

Avg Borrower Income

$117,220

Avg Property Value

$325,733

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

< 2020+None

Midwest2

IANE

Top Metro Areas by Place Specialization Score

Omaha, NE, NE-IAMetro

Volume 214Mix 92.24% of portfolio

86/100

Exceptional

Top States by Place Specialization Score

NebraskaState

Volume 208Mix 89.66% of portfolio

81/100

Exceptional

IowaState

Volume 24Mix 10.34% of portfolio

51/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.