Century Next Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A 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%
74th4.8% deniedProcesswithdrawn + incomplete share, weight 15%
84th3.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 207 | 191 | 1.5% | 1.5% | 8.20% | $33M |
| 2024 | 162 | 145 | 4.3% | 4.5% | 7.70% | $33M |
| 2025 | 195 | 178 | 4.6% | 4.8% | — | $68M |
What Century Next Bank 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: 0 home-equity lines, 0 reverse mortgages, 5 manufactured homes, 92 investment properties.
Why Century Next Bank denies applications
Primary reason reported for each of the 9 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Century Next Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 40 | 35 | 7.9% |
| $100k – $150k | 33 | 26 | 10.0% |
| $150k – $250k | 31 | 29 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 31 | 29 | 3.3% |
| 35–44 | 26 | 20 | 12.5% |
| 45–54 | 26 | 24 | 4.0% |
| 55–64 | 23 | 21 | 4.6% |
Where Century Next Bank lends
2 states and 21 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Century Next Bank denied 4.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 74th percentile of small mortgage lenders.
The most common reason Century Next Bank gave in 2025 was "credit history", cited on 44.4% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 52% of its applications were for home purchases, 44% for refinancing (including cash-out), and 4% for home improvement or other purposes. By loan type: 92% conventional, 4% FHA, 1% 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.