Century at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
10th26.6% deniedPricingmedian rate spread over APOR, weight 30%
94th-0.34 ptsProcesswithdrawn + incomplete share, weight 15%
9th26.3%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 343 | 226 | 17.8% | 17.8% | 7.75% | $22M |
| 2024 | 469 | 269 | 19.2% | 25.1% | 7.50% | $34M |
| 2025 | 627 | 339 | 19.6% | 26.6% | 6.75% | $69M |
What Century 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: 288 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 6 investment properties.
Why Century denies applications
Primary reason reported for each of the 123 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Century
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 47 | 8 | 77.1% |
| $50k – $100k | 151 | 59 | 42.2% |
| $100k – $150k | 179 | 107 | 19.6% |
| $150k – $250k | 178 | 126 | 11.9% |
| Over $250k | 58 | 35 | 20.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 90 | 47 | 24.2% |
| 35–44 | 149 | 79 | 23.3% |
| 45–54 | 142 | 77 | 30.0% |
| 55–64 | 125 | 68 | 30.6% |
| 65–74 | 89 | 52 | 21.2% |
| Over 74 | 21 | 13 | 23.5% |
Where Century lends
22 states and 50 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Ohio | 533 | 299 | 19.7% | 7.00% | #129 |
| Virginia | 18 | 15 | 0.0% | 4.49% | #503 |
| California | 8 | 3 | 0.0% | 5.25% | #756 |
| Florida | 8 | 4 | 25.0% | 5.37% | #972 |
| North Carolina | 5 | 3 | 0.0% | 5.25% | #760 |
| Texas | 5 | 1 | 0.0% | 5.25% | #1,092 |
Frequently asked questions
Century denied 26.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 10th percentile of small mortgage lenders.
The most common reason Century gave in 2025 was "debt-to-income ratio", cited on 42.3% 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 Century originated in 2025 was 6.75%, and its median rate spread over the average prime offer rate was -0.34 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 25% of its applications were for home purchases, 27% for refinancing (including cash-out), and 48% 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.