First Century Bank 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 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%
54th8.9% deniedProcesswithdrawn + incomplete share, weight 15%
42nd13.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 251 | 181 | 9.6% | 11.4% | — | $65M |
| 2024 | 225 | 173 | 10.2% | 11.6% | — | $55M |
| 2025 | 247 | 191 | 7.7% | 8.9% | — | $71M |
What First Century 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, 14 manufactured homes, 117 investment properties.
Who gets approved at First Century Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 39 | 26 | 13.3% |
| $100k – $150k | 42 | 30 | 13.9% |
| $150k – $250k | 42 | 33 | 2.9% |
| Over $250k | 45 | 40 | 2.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 44 | 33 | 13.2% |
| 35–44 | 41 | 32 | 5.6% |
| 45–54 | 42 | 30 | 16.2% |
| 55–64 | 40 | 30 | 6.3% |
| 65–74 | 23 | 16 | 15.8% |
Where First Century Bank lends
3 states and 21 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Tennessee | 244 | 189 | 7.8% | — | #187 |
Frequently asked questions
First Century Bank denied 8.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 54th percentile of small mortgage lenders.
In 2025, 72% of its applications were for home purchases, 16% for refinancing (including cash-out), and 12% 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.