Centris at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
23rd20.0% deniedPricingmedian rate spread over APOR, weight 30%
87th-0.09 ptsProcesswithdrawn + incomplete share, weight 15%
61st14.7%Closing coststotal loan costs ÷ loan amount, weight 10%
93rd0.85% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,934 | 1,253 | 17.8% | 19.1% | 7.00% | $139M |
| 2024 | 2,107 | 1,318 | 19.9% | 23.0% | 7.13% | $152M |
| 2025 | 2,314 | 1,508 | 17.0% | 20.0% | 6.25% | $210M |
What Centris lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 1,150 home-equity lines, 0 reverse mortgages, 12 manufactured homes, 42 investment properties.
Why Centris denies applications
Primary reason reported for each of the 394 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Centris
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 271 | 106 | 48.2% |
| $50k – $100k | 796 | 501 | 21.8% |
| $100k – $150k | 637 | 439 | 16.0% |
| $150k – $250k | 430 | 321 | 10.6% |
| Over $250k | 138 | 103 | 9.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 52 | 40 | 6.8% |
| 25–34 | 320 | 195 | 20.9% |
| 35–44 | 574 | 356 | 21.8% |
| 45–54 | 578 | 395 | 20.0% |
| 55–64 | 424 | 300 | 17.3% |
| 65–74 | 265 | 162 | 20.6% |
| Over 74 | 90 | 49 | 26.8% |
Where Centris lends
3 states and 33 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Centris denied 20.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 23rd percentile of mid-size mortgage lenders.
The most common reason Centris gave in 2025 was "debt-to-income ratio", cited on 49.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Centris originated in 2025 was 6.25%, and its median rate spread over the average prime offer rate was -0.09 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 18% of its applications were for home purchases, 20% for refinancing (including cash-out), and 62% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.