Century Mortgage Company Dba Century Lending Company Rates, Fees & Info

Louisville, KY

LEI: 549300MZ8VZJOVC63092

Tax ID: 61-1306242

3.4 stars - out of 5 stars, based on 53 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Century Mortgage Company Dba Century Lending Company is a smaller mortgage company specializing in Home Purchase and Refi loans. Century Mortgage Company Dba Century Lending Company has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Los Angeles, Santa Rosa, Atlanta, Riverside, and Oxnard among others. We have data for 225 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Century Mortgage Company Dba Century Lending Company has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Century Mortgage Company Dba Century Lending Company is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.96% 12/4/22
    30 Year Conventional Refi 6.80% 12/4/22
    30 Year FHA Purchase 7.57% 12/4/22
    30 Year FHA Refi 7.31% 12/4/22
    30 Year VA Purchase 6.51% 12/4/22
    30 Year VA Refi 6.20% 12/4/22
    30 Year USDA Purchase 6.91% 12/4/22
    30 Year USDA Refi 6.64% 12/4/22
    15 Year Conventional Purchase 6.04% 12/4/22
    15 Year Conventional Refi 6.10% 12/4/22
    15 Year Cash-out Refi 6.10% 12/4/22
    15 Year FHA Refi 6.58% 12/4/22
    15 Year VA Refi 6.02% 12/4/22
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    2,837

    Origination Dollar Volume (All Markets)

    $988,435,000
    Show all (7) awards

    Relative Rate

    Century Mortgage Company Dba Century Lending Company's average 30 year fixed mortgage rate was 3.13%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.02%.

    Relative Fees (Closing Costs)

    Century Mortgage Company Dba Century Lending Company's average total fees/closing costs for a 30 year fixed rate mortgage were $6,429.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top 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
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 264 $137,380,000 $520,379 $7,200 3.07%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 171 $76,475,000 $447,222 $6,174 3.16%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 136 $46,840,000 $344,412 $6,754 3.03%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 123 $46,745,000 $380,041 $6,494 2.98%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 72 $40,040,000 $556,111 $8,127 3.01%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 113 $38,085,000 $337,035 $5,650 2.98%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 106 $35,420,000 $334,151 $8,534 3.16%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 138 $32,990,000 $239,058 $5,072 3.14%
    ALBUQUERQUE, NM (FHA|USDA|VA) 110 $29,620,000 $269,273 $5,083 3.12%
    SALT LAKE CITY, UT (FHA|USDA|VA) 61 $25,865,000 $424,016 $5,888 3.15%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 54 $25,700,000 $475,926 $6,313 3.15%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 65 $24,785,000 $381,308 $5,381 3.06%
    Clearlake, CA (FHA|USDA|VA) 84 $22,640,000 $269,524 $6,694 3.20%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 38 $18,070,000 $475,526 $8,194 2.93%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 103 $17,485,000 $169,757 $6,652 3.07%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 35 $17,245,000 $492,714 $7,770 2.98%
    Outside of Metro Areas 57 $16,675,000 $292,544 $4,840 3.09%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 40 $15,270,000 $381,750 $5,355 3.13%
    PROVO-OREM, UT (FHA|USDA|VA) 35 $14,645,000 $418,429 $6,132 3.09%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 42 $13,870,000 $330,238 $5,900 3.08%
    JACKSONVILLE, FL (FHA|USDA|VA) 43 $12,425,000 $288,953 $6,124 3.34%
    Ukiah, CA (FHA|USDA|VA) 28 $9,800,000 $350,000 $5,539 3.31%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 30 $8,470,000 $282,333 $5,435 3.10%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 13 $7,885,000 $606,538 $7,702 3.13%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 19 $7,635,000 $401,842 $6,189 3.03%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 17 $7,405,000 $435,588 $3,211 3.25%
    GREELEY, CO (FHA|USDA|VA) 22 $7,320,000 $332,727 $5,948 3.05%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 24 $6,930,000 $288,750 $7,193 3.11%
    SANTA FE, NM (FHA|USDA|VA) 16 $6,370,000 $398,125 $4,863 3.16%
    Coos Bay, OR (FHA|USDA|VA) 22 $6,280,000 $285,455 $6,331 3.27%
    Ruidoso, NM (FHA|USDA|VA) 22 $5,830,000 $265,000 $4,356 3.16%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 12 $5,380,000 $448,333 $4,765 3.34%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 18 $5,290,000 $293,889 $5,869 3.12%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 12 $5,200,000 $433,333 $5,494 2.94%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 16 $5,000,000 $312,500 $6,840 3.20%
    OCALA, FL (FHA|USDA|VA) 24 $4,910,000 $204,583 $6,363 3.10%
    VALLEJO, CA (FHA|USDA|VA) 12 $4,610,000 $384,167 $8,021 3.03%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 11 $4,085,000 $371,364 $6,901 3.08%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 15 $4,065,000 $271,000 $5,429 3.25%
    Heber, UT (FHA|USDA|VA) 7 $3,755,000 $536,429 $10,621 3.25%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 19 $3,685,000 $193,947 $7,553 3.14%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 19 $3,665,000 $192,895 $5,610 3.13%
    WILLIAMSPORT, PA (FHA|USDA|VA) 17 $3,605,000 $212,059 $4,205 3.02%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 7 $3,525,000 $503,571 $10,314 2.88%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 12 $3,520,000 $293,333 $6,901 3.00%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 15 $3,515,000 $234,333 $3,904 3.08%
    Key West, FL (FHA|USDA|VA) 3 $3,455,000 $1,151,667 $24,873 3.54%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 16 $3,440,000 $215,000 $7,308 3.03%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 12 $3,340,000 $278,333 $7,160 3.03%
    FRESNO, CA (FHA|USDA|VA) 9 $3,135,000 $348,333 $7,252 3.15%
    FORT COLLINS, CO (FHA|USDA|VA) 8 $2,970,000 $371,250 $3,373 2.81%
    STOCKTON, CA (FHA|USDA|VA) 9 $2,885,000 $320,556 $7,608 3.01%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 9 $2,805,000 $311,667 $5,616 3.12%
    BOWLING GREEN, KY (FHA|USDA|VA) 11 $2,775,000 $252,273 $4,761 3.14%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 9 $2,765,000 $307,222 $8,414 3.28%
    PUEBLO, CO (FHA|USDA|VA) 11 $2,585,000 $235,000 $5,616 3.13%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 7 $2,485,000 $355,000 $6,480 3.23%
    Lock Haven, PA (FHA|USDA|VA) 16 $2,460,000 $153,750 $4,703 2.80%
    Durango, CO (FHA|USDA|VA) 7 $2,455,000 $350,714 $5,561 3.01%
    STATE COLLEGE, PA (FHA|USDA|VA) 8 $2,250,000 $281,250 $6,449 3.00%
    ST. GEORGE, UT (FHA|USDA|VA) 4 $2,030,000 $507,500 $6,933 3.25%
    NAPA, CA (FHA|USDA|VA) 4 $2,020,000 $505,000 $4,422 2.97%
    Scottsburg, IN (FHA|USDA|VA) 8 $1,980,000 $247,500 $3,984 3.03%
    LOGAN, UT-ID (FHA|USDA|VA) 5 $1,905,000 $381,000 $4,777 3.25%
    PITTSBURGH, PA (FHA|USDA|VA) 8 $1,850,000 $231,250 $7,567 3.47%
    FARMINGTON, NM (FHA|USDA|VA) 11 $1,835,000 $166,818 $4,005 3.11%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 5 $1,805,000 $361,000 $5,531 3.13%
    Concord, NH (FHA|USDA|VA) 6 $1,790,000 $298,333 $5,618 2.83%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 9 $1,785,000 $198,333 $5,913 3.29%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 8 $1,770,000 $221,250 $8,574 3.06%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 6 $1,740,000 $290,000 $8,583 3.10%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 5 $1,715,000 $343,000 $10,466 3.20%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 7 $1,675,000 $239,286 $3,963 3.25%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 4 $1,670,000 $417,500 $7,766 3.16%
    Palatka, FL (FHA|USDA|VA) 9 $1,665,000 $185,000 $3,868 3.47%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 5 $1,665,000 $333,000 $7,481 3.33%
    Eureka-Arcata, CA (FHA|USDA|VA) 6 $1,590,000 $265,000 $4,496 3.29%
    Bardstown, KY (FHA|USDA|VA) 8 $1,440,000 $180,000 $4,724 3.22%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 5 $1,385,000 $277,000 $6,585 2.82%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 4 $1,380,000 $345,000 $7,051 3.06%
    SAVANNAH, GA (FHA|USDA|VA) 3 $1,305,000 $435,000 $7,758 2.67%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 5 $1,285,000 $257,000 $4,656 3.28%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 5 $1,265,000 $253,000 $7,306 3.20%
    MEDFORD, OR (FHA|USDA|VA) 4 $1,240,000 $310,000 $4,188 3.16%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 7 $1,205,000 $172,143 $5,050 3.50%
    SPARTANBURG, SC (FHA|USDA|VA) 7 $1,205,000 $172,143 $4,067 2.79%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 4 $1,140,000 $285,000 $5,427 3.13%
    SALEM, OR (FHA|USDA|VA) 4 $1,130,000 $282,500 $7,603 3.06%
    Sevierville, TN (FHA|USDA|VA) 2 $1,120,000 $560,000 $11,836 3.00%
    BOISE CITY, ID (FHA|USDA|VA) 2 $1,090,000 $545,000 $5,392 3.06%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 3 $1,085,000 $361,667 $5,741 2.88%
    HARRISONBURG, VA (FHA|USDA|VA) 4 $1,070,000 $267,500 $5,738 2.63%
    MADERA, CA (FHA|USDA|VA) 3 $1,065,000 $355,000 $5,869 3.46%
    SALINAS, CA (FHA|USDA|VA) 2 $1,010,000 $505,000 $6,509 3.25%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $1,005,000 $335,000 $10,550 2.83%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 3 $935,000 $311,667 $6,266 3.25%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 4 $920,000 $230,000 $4,943 3.38%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 3 $915,000 $305,000 $5,724 3.00%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 3 $895,000 $298,333 $6,595 2.83%
    ALBANY-LEBANON, OR (FHA|USDA|VA) 3 $895,000 $298,333 $7,115 2.63%
    Danville, KY (FHA|USDA|VA) 2 $890,000 $445,000 $7,695 3.00%
    GAINESVILLE, GA (FHA|USDA|VA) 2 $880,000 $440,000 $8,145 2.50%
    Cedar City, UT (FHA|USDA|VA) 3 $875,000 $291,667 $4,139 3.12%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $875,000 $291,667 $4,112 2.67%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 4 $830,000 $207,500 $8,829 3.56%
    Newport, OR (FHA|USDA|VA) 3 $815,000 $271,667 $6,684 3.38%
    Madison, IN (FHA|USDA|VA) 5 $805,000 $161,000 $4,645 2.78%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 2 $780,000 $390,000 $14,350 3.38%
    Show Low, AZ (FHA|USDA|VA) 1 $745,000 $745,000 $0 3.38%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $730,000 $365,000 $4,327 2.69%
    Richmond-Berea, KY (FHA|USDA|VA) 3 $715,000 $238,333 $7,506 3.00%
    FLAGSTAFF, AZ (FHA|USDA|VA) 2 $710,000 $355,000 $3,175 3.00%
    Roseburg, OR (FHA|USDA|VA) 3 $705,000 $235,000 $8,412 2.96%
    Sanford, NC (FHA|USDA|VA) 1 $705,000 $705,000 $34,145 2.75%
    LYNCHBURG, VA (FHA|USDA|VA) 1 $695,000 $695,000 $16,017 3.25%
    Outside of Metro Areas 2 $690,000 $345,000 $6,755 2.94%
    Vernal, UT (FHA|USDA|VA) 3 $685,000 $228,333 $5,286 2.79%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $670,000 $335,000 $4,516 3.25%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 3 $665,000 $221,667 $7,085 2.63%
    CHEYENNE, WY (FHA|USDA|VA) 2 $660,000 $330,000 $6,835 2.81%
    IDAHO FALLS, ID (FHA|USDA|VA) 1 $645,000 $645,000 $16,362 2.88%
    Jasper, IN (FHA|USDA|VA) 4 $630,000 $157,500 $3,165 2.72%
    VISALIA, CA (FHA|USDA|VA) 3 $605,000 $201,667 $3,852 3.33%
    Rock Springs, WY (FHA|USDA|VA) 2 $600,000 $300,000 $5,931 2.75%
    BRUNSWICK, GA (FHA|USDA|VA) 2 $550,000 $275,000 $5,363 3.00%
    WORCESTER, MA-CT (FHA|USDA|VA) 2 $550,000 $275,000 $8,151 3.31%
    BEND, OR (FHA|USDA|VA) 1 $545,000 $545,000 $4,797 2.75%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $540,000 $270,000 $4,382 2.31%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $530,000 $265,000 $10,610 2.75%
    THE VILLAGES, FL (FHA|USDA|VA) 3 $525,000 $175,000 $5,077 2.71%
    LANCASTER, PA (FHA|USDA|VA) 1 $495,000 $495,000 $7,039 2.88%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 2 $480,000 $240,000 $7,929 3.06%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 3 $465,000 $155,000 $4,608 3.54%
    COLUMBUS, OH (FHA|USDA|VA) 2 $460,000 $230,000 $6,798 3.56%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $455,000 $455,000 $3,899 3.25%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $455,000 $455,000 $2,494 3.00%
    Milledgeville, GA (FHA|USDA|VA) 1 $455,000 $455,000 $0 4.38%
    Okeechobee, FL (FHA|USDA|VA) 2 $450,000 $225,000 $7,845 3.13%
    Jefferson, GA (FHA|USDA|VA) 1 $435,000 $435,000 $5,436 2.25%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $430,000 $215,000 $2,816 2.81%
    OCEAN CITY, NJ (FHA|USDA|VA) 1 $425,000 $425,000 $4,705 3.13%
    CORVALLIS, OR (FHA|USDA|VA) 1 $425,000 $425,000 $7,154 3.25%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $425,000 $425,000 $4,769 2.25%
    BAKERSFIELD, CA (FHA|USDA|VA) 3 $415,000 $138,333 $4,923 2.79%
    SALISBURY, MD-DE (FHA|USDA|VA) 1 $415,000 $415,000 $10,675 2.88%
    DECATUR, AL (FHA|USDA|VA) 2 $410,000 $205,000 $7,062 3.19%
    Frankfort, KY (FHA|USDA|VA) 2 $410,000 $205,000 $5,379 3.43%
    Glasgow, KY (FHA|USDA|VA) 2 $400,000 $200,000 $6,147 2.94%
    YORK-HANOVER, PA (FHA|USDA|VA) 1 $385,000 $385,000 $5,117 3.25%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $370,000 $185,000 $6,698 3.81%
    GRAND JUNCTION, CO (FHA|USDA|VA) 1 $365,000 $365,000 $2,705 2.75%
    Granbury, TX (FHA|USDA|VA) 1 $365,000 $365,000 $9,641 2.75%
    Prineville, OR (FHA|USDA|VA) 1 $355,000 $355,000 $4,332 3.25%
    Astoria, OR (FHA|USDA|VA) 1 $355,000 $355,000 $4,541 3.63%
    Fort Morgan, CO (FHA|USDA|VA) 1 $355,000 $355,000 $4,909 3.25%
    Calhoun, GA (FHA|USDA|VA) 1 $345,000 $345,000 $8,720 3.13%
    Waycross, GA (FHA|USDA|VA) 1 $335,000 $335,000 $10,729 2.88%
    Fergus Falls, MN (FHA|USDA|VA) 1 $335,000 $335,000 $7,008 2.13%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $335,000 $335,000 $4,185 3.88%
    JACKSON, MS (FHA|USDA|VA) 1 $325,000 $325,000 $8,404 3.25%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $320,000 $160,000 $2,974 3.06%
    Murray, KY (FHA|USDA|VA) 1 $315,000 $315,000 $8,934 2.63%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $315,000 $315,000 $10,620 2.88%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 2 $310,000 $155,000 $10,234 3.44%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $305,000 $305,000 $0 2.88%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $305,000 $305,000 $9,421 2.88%
    MODESTO, CA (FHA|USDA|VA) 1 $305,000 $305,000 $4,137 3.38%
    RAPID CITY, SD (FHA|USDA|VA) 1 $295,000 $295,000 $7,175 3.38%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $295,000 $295,000 $10,097 3.00%
    EL CENTRO, CA (FHA|USDA|VA) 1 $285,000 $285,000 $8,545 3.25%
    LAWTON, OK (FHA|USDA|VA) 1 $285,000 $285,000 $4,514 2.25%
    CHICO, CA (FHA|USDA|VA) 1 $285,000 $285,000 $0 3.88%
    LAFAYETTE, LA (FHA|USDA|VA) 1 $275,000 $275,000 $10,676 2.88%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $265,000 $265,000 $3,137 3.00%
    YUBA CITY, CA (FHA|USDA|VA) 1 $265,000 $265,000 $4,945 3.25%
    TULSA, OK (FHA|USDA|VA) 1 $265,000 $265,000 $11,536 2.25%
    DuBois, PA (FHA|USDA|VA) 2 $260,000 $130,000 $3,629 2.88%
    LONGVIEW, TX (FHA|USDA|VA) 1 $255,000 $255,000 $6,595 3.25%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $255,000 $255,000 $10,576 3.25%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $255,000 $255,000 $1,817 2.38%
    St. Marys, GA (FHA|USDA|VA) 1 $255,000 $255,000 $6,400 2.63%
    Wahpeton, ND-MN (FHA|USDA|VA) 1 $255,000 $255,000 $7,693 3.38%
    ABILENE, TX (FHA|USDA|VA) 1 $245,000 $245,000 $9,741 3.25%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $245,000 $245,000 $2,671 2.75%
    BILLINGS, MT (FHA|USDA|VA) 1 $235,000 $235,000 $5,710 2.88%
    REDDING, CA (FHA|USDA|VA) 1 $225,000 $225,000 $5,475 3.38%
    HAMMOND, LA (FHA|USDA|VA) 1 $225,000 $225,000 $11,229 3.00%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $225,000 $225,000 $2,947 4.00%
    Pottsville, PA (FHA|USDA|VA) 2 $220,000 $110,000 $4,797 3.31%
    RICHMOND, VA (FHA|USDA|VA) 1 $215,000 $215,000 $6,220 2.63%
    Sandpoint, ID (FHA|USDA|VA) 1 $215,000 $215,000 $2,524 3.25%
    YUMA, AZ (FHA|USDA|VA) 1 $215,000 $215,000 $7,330 2.75%
    Red Bluff, CA (FHA|USDA|VA) 1 $215,000 $215,000 $2,814 3.00%
    BOULDER, CO (FHA|USDA|VA) 1 $215,000 $215,000 $3,018 3.38%
    Evanston, WY (FHA|USDA|VA) 1 $215,000 $215,000 $2,038 2.38%
    Steamboat Springs, CO (FHA|USDA|VA) 1 $205,000 $205,000 $3,025 3.25%
    Cedartown, GA (FHA|USDA|VA) 1 $185,000 $185,000 $2,991 3.50%
    El Campo, TX (FHA|USDA|VA) 1 $185,000 $185,000 $4,914 2.88%
    North Vernon, IN (FHA|USDA|VA) 1 $185,000 $185,000 $3,116 2.88%
    Klamath Falls, OR (FHA|USDA|VA) 1 $185,000 $185,000 $5,136 3.25%
    GREAT FALLS, MT (FHA|USDA|VA) 1 $175,000 $175,000 $6,374 2.88%
    MUNCIE, IN (FHA|USDA|VA) 1 $175,000 $175,000 $5,085 3.25%
    READING, PA (FHA|USDA|VA) 1 $175,000 $175,000 $6,725 3.25%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $165,000 $165,000 $6,807 2.88%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $165,000 $165,000 $6,185 3.13%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $155,000 $155,000 $2,399 2.88%
    DANVILLE, IL (FHA|USDA|VA) 1 $155,000 $155,000 $2,122 2.75%
    Albertville, AL (FHA|USDA|VA) 1 $145,000 $145,000 $6,644 3.63%
    WARNER ROBINS, GA (FHA|USDA|VA) 1 $145,000 $145,000 $5,386 2.63%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $135,000 $135,000 $3,829 2.88%
    Brookings, OR (FHA|USDA|VA) 1 $135,000 $135,000 $5,845 2.38%
    Sonora, CA (FHA|USDA|VA) 1 $135,000 $135,000 $3,467 3.13%
    ERIE, PA (FHA|USDA|VA) 1 $125,000 $125,000 $3,630 3.25%
    LAS CRUCES, NM (FHA|USDA|VA) 1 $125,000 $125,000 $3,163 2.50%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $115,000 $115,000 $5,574 3.63%
    Craig, CO (FHA|USDA|VA) 1 $115,000 $115,000 $5,006 2.25%
    Clovis, NM (FHA|USDA|VA) 1 $105,000 $105,000 $2,835 3.13%
    Deming, NM (FHA|USDA|VA) 1 $105,000 $105,000 $3,323 3.13%
    Sunbury, PA (FHA|USDA|VA) 1 $95,000 $95,000 $3,257 3.25%
    OWENSBORO, KY (FHA|USDA|VA) 1 $85,000 $85,000 $3,407 3.50%
    Somerset, PA (FHA|USDA|VA) 1 $85,000 $85,000 $5,480 3.63%
    KOKOMO, IN (FHA|USDA|VA) 1 $85,000 $85,000 $5,801 2.25%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $85,000 $85,000 $3,219 3.25%
    Alamogordo, NM (FHA|USDA|VA) 1 $55,000 $55,000 $2,320 3.63%
    Washington, IN (FHA|USDA|VA) 1 $55,000 $55,000 $2,472 2.99%
    Century Mortgage Company Dba Century Lending Company's top markets include Los Angeles, Santa Rosa, Atlanta, Riverside, and Oxnard among others.

    Their top states include:
  • California (FHA|USDA|VA)
  • Utah (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • New Mexico (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,157 $775,295,000 $359,432 $5,462 3.16%
    FHA 400 $114,770,000 $286,925 $9,516 2.97%
    VA 208 $82,960,000 $398,846 $8,128 2.69%
    USDA 72 $15,410,000 $214,028 $5,795 2.82%

    For 2021, Century Mortgage Company Dba Century Lending Company's most frequently originated type of loan was Conventional, with 2,157 originations. Their 2nd most popular type was FHA, with 400 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,548 $553,080,000 $357,287 $7,074 3.13%
    Refi 1,289 $435,355,000 $337,746 $5,364 3.05%

    For 2021, Century Mortgage Company Dba Century Lending Company's most frequently cited loan purpose was Home Purchase, with 1,548 originations. The 2nd most popular reason was Refi, with 1,289 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,605 $929,535,000 $356,827 $6,429 3.13%
    15 Year 143 $36,725,000 $256,818 $4,717 2.56%
    20 Year 63 $15,725,000 $249,603 $4,495 2.95%
    Other 17 $4,235,000 $249,118 $4,962 2.99%
    10 Year 9 $2,215,000 $246,111 $5,358 2.58%

    For 2021, Century Mortgage Company Dba Century Lending Company's most frequently cited loan duration was 30 Year, with 2,605 originations. The 2nd most popular length was 15 Year, with 143 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,027 $371,765,000 $361,991
    $<1k 590 $164,110,000 $278,153
    $5k+ 291 $138,885,000 $477,268
    $2k-3k 263 $84,705,000 $322,072
    $3k-4k 176 $56,250,000 $319,602
    $4k-5k 124 $44,330,000 $357,500

    Century Mortgage Company Dba Century Lending Company's average total fees were $6,429, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,027 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,384 $488,590,000 $353,027
    2.5-3% 1,160 $409,180,000 $352,741
    <2.5% 239 $74,785,000 $312,908
    4-5% 54 $15,880,000 $294,074

    During 2021, Century Mortgage Company Dba Century Lending Company's average interest rate for loans was 3.13%, while their most frequently originated rate bucket for loans was 3-4%, with 1,384 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,317 $385,635,000 $292,813 $5,998 3.06%
    $400k-600k 666 $323,650,000 $485,961 $6,826 3.07%
    $100k-200k 538 $82,540,000 $153,420 $4,599 3.13%
    $600k-1MM 211 $148,155,000 $702,156 $10,162 3.18%
    $100,000 or less 70 $5,670,000 $81,000 $3,746 3.32%
    $1MM+ 35 $42,785,000 $1,222,429 $15,418 3.28%

    2021 saw Century Mortgage Company Dba Century Lending Company place emphasis on $200k-400k loans with 1,317 originations, totaling $385,635,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 635 $249,005,000 $392,134 $6,626 3.11%
    $50k-75k 583 $150,995,000 $258,997 $5,846 3.06%
    $75k-100k 579 $193,695,000 $334,534 $6,394 3.07%
    $150k-250k 434 $207,220,000 $477,465 $7,030 3.14%
    $50k or less 416 $78,050,000 $187,620 $4,775 3.04%
    $250k+ 184 $106,890,000 $580,924 $8,918 3.22%

    Century Mortgage Company Dba Century Lending Company lent most frequently to those with incomes in the $100k-150k range, with 635 originations. The second most popular income band? $50k-75k, with 583 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 474 $159,220,000 $335,907 $5,934 3.10%
    20-30% 469 $157,695,000 $336,237 $5,848 3.10%
    <20% 166 $50,240,000 $302,651 $4,954 2.96%
    50-60% 155 $54,805,000 $353,581 $9,775 2.94%
    43% 141 $52,865,000 $374,929 $6,250 3.13%
    44% 139 $51,295,000 $369,029 $6,151 3.20%
    42% 134 $51,240,000 $382,388 $6,638 3.06%
    49% 125 $44,645,000 $357,160 $6,088 3.10%
    38% 118 $43,240,000 $366,441 $7,056 3.11%
    40% 117 $44,675,000 $381,838 $6,662 3.18%
    39% 116 $42,750,000 $368,534 $6,297 3.16%
    37% 108 $38,510,000 $356,574 $6,291 3.16%
    41% 108 $39,170,000 $362,685 $5,661 3.12%
    48% 98 $32,920,000 $335,918 $6,980 3.08%
    45% 95 $31,925,000 $336,053 $6,007 3.05%
    47% 93 $31,075,000 $334,140 $6,216 3.11%
    46% 91 $29,655,000 $325,879 $6,361 3.02%
    36% 81 $28,785,000 $355,370 $5,493 3.20%
    >60% 9 $3,725,000 $413,889 $4,944 2.92%

    Century Mortgage Company Dba Century Lending Company lent most frequently to those with DTI ratios of 30-36%, with 474 originations. The next most common DTI ratio? 20-30%, with 469 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,937 $652,015,000 $336,611 $6,155 3.09%
    Not provided 600 $227,640,000 $379,400 $6,425 3.09%
    Black 146 $47,400,000 $324,658 $7,521 3.12%
    Asian 111 $46,075,000 $415,090 $6,274 3.15%
    American Indian 20 $6,980,000 $349,000 $6,208 3.28%
    Native Hawaiian or Islander 8 $3,060,000 $382,500 $9,381 3.13%
    Filipino 6 $2,120,000 $353,333 $6,860 3.02%
    Asian Indian 3 $1,065,000 $355,000 $5,981 3.25%
    Chinese 2 $910,000 $455,000 $4,345 2.81%
    Other Asian 3 $825,000 $275,000 $4,270 3.58%
    Native Hawaiian 1 $345,000 $345,000 $9,652 3.25%

    Approval Rates

    Total approvals of all applications
    83.64%

    Century Mortgage Company Dba Century Lending Company has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    88.23%

    Century Mortgage Company Dba Century Lending Company has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,837 $988,435,000 $348,409

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,837 $988,435,000 $348,409

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 190 $50,010,000 $263,211 $4,323 2.97%
    40-60% 437 $144,525,000 $330,721 $4,884 2.98%
    60-80% 1,031 $386,845,000 $375,213 $6,003 3.20%
    80-100% 1,132 $390,430,000 $344,903 $7,010 3.06%
    Over 100% 30 $14,040,000 $468,000 $18,062 3.05%
    Under 20% 17 $2,585,000 $152,059 $3,820 2.96%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    CENTURY MORTGAGE COMPANY VA mortgage Trouble during payment process 1 100.0%