Us Century Bank Mortgage Rates, Fees & Info
MIAMI, FLLEI: 254900XT937N1XUKWX63
Tax ID: 52-2371258
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Us Century Bank is a smaller bank specializing in Home Purchase and Refi loans. Us Century Bank has a high proportion of conventional loans. Their top markets by origination volume include: Miami, Tampa, Deltona, Orlando, and North Port among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)Us Century Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
27Origination Dollar Volume (All Markets)
$77,085,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 18 | $55,770,000 | $3,098,333 | $0 | 0.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $6,835,000 | $2,278,333 | $0 | 0.00% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $5,000,000 | $2,500,000 | $0 | 0.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $4,610,000 | $2,305,000 | $0 | 0.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $4,415,000 | $4,415,000 | $0 | 0.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 27 | $77,085,000 | $2,855,000 | $0 | 0.00% |
For 2024, Us Century Bank's most frequently originated type of loan was Conventional, with 27 originations.
Loan Reason
For 2024, Us Century Bank's most frequently cited loan purpose was Home Purchase, with 19 originations. The 2nd most popular reason was Refi, with 7 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 27 | $77,085,000 | $2,855,000 | $0 | 0.00% |
For 2024, Us Century Bank's most frequently cited loan duration was Other, with 27 originations.
Loan Sizing
2024 saw Us Century Bank place emphasis on $1MM+ loans with 16 originations, totaling $71,120,000 in origination value.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 27 | $77,085,000 | $2,855,000 | $0 | 0.00% |
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Not applicable | 27 | $77,085,000 | $2,855,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications100.00%
Us Century Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination74.07%
Us Century Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 27 | $77,085,000 | $2,855,000 |