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

Louisville, KY

LEI: 549300MZ8VZJOVC63092

Tax ID: 61-1306242

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Mortgage Data

Review & Overview

Century Mortgage Company Dba Century Lending Company is a small mortgage company specializing in Home Purchase loans. Century Mortgage Company Dba Century Lending Company has a high proportion of conventional loans. They have a a high proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Louisville, Washington, Baltimore, Lexington, and Orlando among others. We have data for 133 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 6.67% 12/17/24
30 Year Conventional Refi 6.38% 12/17/24
30 Year Cash-out Refi 6.60% 12/17/24
30 Year FHA Purchase 7.05% 12/17/24
30 Year FHA Refi 6.68% 12/17/24
30 Year VA Purchase 6.02% 12/17/24
30 Year VA Refi 5.95% 12/17/24
30 Year USDA Purchase 6.41% 12/17/24
30 Year USDA Refi 6.27% 12/17/24
15 Year Conventional Purchase 6.11% 12/17/24
15 Year Conventional Refi 5.97% 12/17/24
15 Year Cash-out Refi 5.97% 12/17/24
15 Year VA Refi 5.68% 12/17/24
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.

Century Mortgage Company Dba Century Lending Company Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Century Mortgage Company Dba Century Lending Company. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

5,034

Origination Dollar Volume (All Markets)

$1,084,400,000
Show all (32) awards

Top Markets

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    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
    LOUISVILLE, KY (FHA|USDA|VA) 2,117 $384,025,000 $181,401 $3,706 4.75%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 632 $207,760,000 $328,734 $7,871 4.49%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 244 $68,780,000 $281,885 $7,067 4.50%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 284 $51,330,000 $180,739 $3,768 4.82%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 173 $41,875,000 $242,052 $4,920 4.68%
    Outside of Metro Areas 170 $23,700,000 $139,412 $4,140 4.73%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 115 $23,665,000 $205,783 $6,651 4.53%
    FORT COLLINS, CO (FHA|USDA|VA) 67 $19,695,000 $293,955 $3,893 4.53%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 129 $18,905,000 $146,550 $4,346 4.78%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 44 $17,510,000 $397,955 $6,090 4.70%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 90 $15,420,000 $171,333 $4,457 4.56%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 52 $15,240,000 $293,077 $6,054 4.61%
    BOWLING GREEN, KY (FHA|USDA|VA) 89 $14,325,000 $160,955 $4,401 4.77%
    GREELEY, CO (FHA|USDA|VA) 46 $13,040,000 $283,478 $4,256 4.59%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 46 $11,290,000 $245,435 $6,553 4.48%
    Bardstown, KY (FHA|USDA|VA) 70 $10,670,000 $152,429 $3,884 4.66%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 33 $9,885,000 $299,545 $4,118 4.44%
    Richmond-Berea, KY (FHA|USDA|VA) 55 $8,925,000 $162,273 $4,235 4.81%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 32 $8,180,000 $255,625 $4,023 4.61%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 24 $7,810,000 $325,417 $7,864 4.49%
    RICHMOND, VA (FHA|USDA|VA) 24 $6,550,000 $272,917 $6,568 4.34%
    VALLEJO, CA (FHA|USDA|VA) 20 $6,330,000 $316,500 $4,984 4.71%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 26 $4,740,000 $182,308 $4,048 4.56%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 25 $4,735,000 $189,400 $3,333 4.61%
    Frankfort, KY (FHA|USDA|VA) 30 $4,370,000 $145,667 $4,221 4.50%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 17 $4,285,000 $252,059 $5,463 4.29%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 16 $4,170,000 $260,625 $7,700 4.48%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 14 $4,050,000 $289,286 $6,084 4.51%
    COLUMBUS, OH (FHA|USDA|VA) 19 $3,595,000 $189,211 $5,754 4.40%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 12 $3,580,000 $298,333 $8,126 4.38%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 9 $3,365,000 $373,889 $4,854 4.69%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 5 $3,315,000 $663,000 $4,112 4.18%
    Glasgow, KY (FHA|USDA|VA) 24 $2,810,000 $117,083 $4,280 4.80%
    SALISBURY, MD-DE (FHA|USDA|VA) 11 $2,535,000 $230,455 $5,826 4.41%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 8 $2,530,000 $316,250 $8,378 4.41%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 9 $2,475,000 $275,000 $6,922 4.76%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 7 $2,325,000 $332,143 $8,230 3.86%
    JACKSONVILLE, FL (FHA|USDA|VA) 10 $2,200,000 $220,000 $3,211 4.60%
    London, KY (FHA|USDA|VA) 15 $2,085,000 $139,000 $4,240 4.88%
    Campbellsville, KY (FHA|USDA|VA) 16 $2,050,000 $128,125 $4,094 4.61%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 7 $1,815,000 $259,286 $7,341 4.45%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 7 $1,725,000 $246,429 $7,914 4.52%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 8 $1,430,000 $178,750 $3,811 4.63%
    STOCKTON, CA (FHA|USDA|VA) 4 $1,340,000 $335,000 $3,264 4.84%
    SALINAS, CA (FHA|USDA|VA) 3 $1,325,000 $441,667 $4,213 4.13%
    YORK-HANOVER, PA (FHA|USDA|VA) 6 $1,230,000 $205,000 $6,964 4.31%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 6 $1,210,000 $201,667 $6,208 4.50%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 8 $1,160,000 $145,000 $4,051 4.58%
    Scottsburg, IN (FHA|USDA|VA) 9 $1,145,000 $127,222 $3,325 4.93%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 5 $1,085,000 $217,000 $4,065 4.75%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $1,070,000 $267,500 $4,581 4.47%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $955,000 $318,333 $4,137 4.54%
    PITTSBURGH, PA (FHA|USDA|VA) 4 $780,000 $195,000 $5,968 4.50%
    Mount Sterling, KY (FHA|USDA|VA) 7 $745,000 $106,429 $3,990 5.27%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 4 $710,000 $177,500 $4,618 4.31%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 4 $690,000 $172,500 $4,252 4.72%
    FRESNO, CA (FHA|USDA|VA) 2 $680,000 $340,000 $3,511 4.56%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 4 $600,000 $150,000 $4,350 4.84%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $585,000 $585,000 $2,373 3.75%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $555,000 $185,000 $3,917 4.75%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $555,000 $185,000 $6,074 4.29%
    BOULDER, CO (FHA|USDA|VA) 2 $540,000 $270,000 $6,837 4.25%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 3 $535,000 $178,333 $4,804 4.08%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $530,000 $265,000 $8,992 4.25%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 3 $525,000 $175,000 $6,512 4.25%
    Key West, FL (FHA|USDA|VA) 1 $525,000 $525,000 $6,656 4.88%
    KNOXVILLE, TN (FHA|USDA|VA) 3 $525,000 $175,000 $4,723 4.25%
    Somerset, KY (FHA|USDA|VA) 3 $515,000 $171,667 $3,768 4.83%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 2 $490,000 $245,000 $6,191 4.88%
    TOLEDO, OH (FHA|USDA|VA) 3 $475,000 $158,333 $5,418 4.46%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $455,000 $455,000 $7,283 4.38%
    SPRINGFIELD, OH (FHA|USDA|VA) 3 $425,000 $141,667 $3,889 4.50%
    Bedford, IN (FHA|USDA|VA) 1 $405,000 $405,000 $8,897 3.25%
    BLOOMINGTON, IN (FHA|USDA|VA) 2 $400,000 $200,000 $2,477 5.19%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 3 $395,000 $131,667 $4,245 4.42%
    WINCHESTER, VA-WV (FHA|USDA|VA) 2 $380,000 $190,000 $4,958 4.38%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $375,000 $375,000 $9,840 4.50%
    GRAND JUNCTION, CO (FHA|USDA|VA) 2 $350,000 $175,000 $2,979 4.50%
    ROME, GA (FHA|USDA|VA) 1 $335,000 $335,000 $2,526 4.50%
    Waycross, GA (FHA|USDA|VA) 2 $330,000 $165,000 $6,211 4.19%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $330,000 $165,000 $5,283 4.38%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $315,000 $315,000 $2,493 4.75%
    OCALA, FL (FHA|USDA|VA) 1 $305,000 $305,000 $6,974 3.88%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $305,000 $305,000 $2,092 4.75%
    MODESTO, CA (FHA|USDA|VA) 2 $300,000 $150,000 $4,942 4.31%
    Easton, MD (FHA|USDA|VA) 2 $300,000 $150,000 $5,976 5.38%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $295,000 $295,000 $9,618 4.63%
    St. Marys, GA (FHA|USDA|VA) 1 $285,000 $285,000 $7,868 4.25%
    Steamboat Springs, CO (FHA|USDA|VA) 1 $285,000 $285,000 $957 4.88%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 2 $270,000 $135,000 $4,013 4.50%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $265,000 $265,000 $4,427 5.00%
    VALDOSTA, GA (FHA|USDA|VA) 1 $255,000 $255,000 $3,932 4.38%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $255,000 $255,000 $13,043 4.25%
    Winona, MN (FHA|USDA|VA) 1 $245,000 $245,000 $7,183 4.63%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $245,000 $245,000 $6,013 4.50%
    Madisonville, KY (FHA|USDA|VA) 2 $240,000 $120,000 $2,570 5.13%
    DOTHAN, AL (FHA|USDA|VA) 1 $235,000 $235,000 $1,752 3.75%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $225,000 $225,000 $4,442 5.50%
    AKRON, OH (FHA|USDA|VA) 1 $225,000 $225,000 $6,469 4.50%
    Danville, KY (FHA|USDA|VA) 3 $225,000 $75,000 $3,386 4.63%
    Wapakoneta, OH (FHA|USDA|VA) 1 $215,000 $215,000 $7,057 4.25%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $215,000 $215,000 $3,642 4.75%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $205,000 $205,000 $6,044 4.38%
    ROANOKE, VA (FHA|USDA|VA) 1 $205,000 $205,000 $5,252 4.88%
    WARNER ROBINS, GA (FHA|USDA|VA) 1 $205,000 $205,000 $9,024 4.88%
    Washington, IN (FHA|USDA|VA) 1 $205,000 $205,000 $6,007 4.25%
    Jasper, IN (FHA|USDA|VA) 1 $195,000 $195,000 $2,701 4.38%
    MERCED, CA (FHA|USDA|VA) 1 $195,000 $195,000 $2,658 4.50%
    COLUMBUS, GA-AL (FHA|USDA|VA) 1 $195,000 $195,000 $2,642 3.88%
    Seymour, IN (FHA|USDA|VA) 2 $190,000 $95,000 $4,441 4.94%
    Central City, KY (FHA|USDA|VA) 2 $180,000 $90,000 $3,193 4.75%
    KOKOMO, IN (FHA|USDA|VA) 1 $175,000 $175,000 $4,975 4.50%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $175,000 $175,000 $2,409 4.75%
    Maysville, KY (FHA|USDA|VA) 1 $165,000 $165,000 $2,598 5.50%
    Cullman, AL (FHA|USDA|VA) 1 $165,000 $165,000 $4,002 3.75%
    Mayfield, KY (FHA|USDA|VA) 2 $160,000 $80,000 $2,825 4.75%
    Cookeville, TN (FHA|USDA|VA) 1 $145,000 $145,000 $4,653 4.38%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $135,000 $135,000 $2,310 4.88%
    Brainerd, MN (FHA|USDA|VA) 1 $135,000 $135,000 $4,409 4.25%
    Salem, OH (FHA|USDA|VA) 1 $135,000 $135,000 $4,200 4.50%
    Madison, IN (FHA|USDA|VA) 1 $125,000 $125,000 $4,234 5.13%
    CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $125,000 $125,000 $3,379 4.88%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $125,000 $125,000 $3,679 4.38%
    Albertville, AL (FHA|USDA|VA) 1 $115,000 $115,000 $5,769 4.38%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $115,000 $115,000 $3,177 4.50%
    Paducah, KY-IL (FHA|USDA|VA) 1 $115,000 $115,000 $2,117 4.50%
    Jefferson, GA (FHA|USDA|VA) 1 $115,000 $115,000 $3,290 4.75%
    Richmond, IN (FHA|USDA|VA) 1 $105,000 $105,000 $3,245 4.00%
    Angola, IN (FHA|USDA|VA) 1 $105,000 $105,000 $3,219 4.00%
    Jesup, GA (FHA|USDA|VA) 1 $105,000 $105,000 $2,893 5.63%
    Fort Morgan, CO (FHA|USDA|VA) 1 $85,000 $85,000 $2,681 4.00%
    Murray, KY (FHA|USDA|VA) 1 $75,000 $75,000 $2,878 4.25%
    Point Pleasant, WV-OH (FHA|USDA|VA) 1 $65,000 $65,000 $2,455 4.75%
    Century Mortgage Company Dba Century Lending Company's top markets include Louisville, Washington, Baltimore, Lexington, and Orlando among others.

    Their top states include:
  • Kentucky (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,696 $588,990,000 $218,468 $3,434 4.80%
    FHA 1,677 $327,105,000 $195,054 $6,403 4.58%
    VA 499 $143,075,000 $286,723 $7,214 4.35%
    USDA 162 $25,230,000 $155,741 $3,905 4.39%

    For 2018, Century Mortgage Company Dba Century Lending Company's most frequently originated type of loan was Conventional, with 2,696 originations. Their 2nd most popular type was FHA, with 1,677 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,084 $852,000,000 $208,619 $4,787 4.70%
    Cash Out Refi 615 $147,385,000 $239,650 $5,342 4.56%
    Refi 335 $85,015,000 $253,776 $4,163 4.44%

    For 2018, Century Mortgage Company Dba Century Lending Company's most frequently cited loan purpose was Home Purchase, with 4,084 originations. The 2nd most popular reason was Cash Out Refi, with 615 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,722 $1,022,760,000 $216,595 $4,889 4.70%
    15 Year 206 $38,950,000 $189,078 $3,816 4.00%
    20 Year 80 $16,850,000 $210,625 $3,169 4.48%
    Other 22 $5,220,000 $237,273 $4,253 4.51%
    10 Year 4 $620,000 $155,000 $2,873 4.06%

    For 2018, Century Mortgage Company Dba Century Lending Company's most frequently cited loan duration was 30 Year, with 4,722 originations. The 2nd most popular length was 15 Year, with 206 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 3,101 $674,875,000 $217,631
    $1k-2k 1,201 $194,105,000 $161,619
    $2k-3k 253 $58,295,000 $230,415
    $5k+ 237 $87,785,000 $370,401
    $3k-4k 139 $39,545,000 $284,496
    $4k-5k 103 $29,795,000 $289,272

    Century Mortgage Company Dba Century Lending Company's average total fees were $4,889, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 3,101 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 3,693 $823,365,000 $222,953
    5-6% 812 $138,240,000 $170,246
    3-4% 513 $120,765,000 $235,409
    6-7% 16 $2,030,000 $126,875

    During 2018, Century Mortgage Company Dba Century Lending Company's average interest rate for loans was 4.70%, while their most frequently originated rate bucket for loans was 4-5%, with 3,693 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 2,205 $327,665,000 $148,601 $3,910 4.73%
    $200k-400k 1,923 $533,165,000 $277,257 $5,614 4.56%
    $100,000 or less 541 $43,225,000 $79,898 $3,140 4.83%
    $400k-600k 320 $146,890,000 $459,031 $8,136 4.55%
    $600k-1MM 40 $26,850,000 $671,250 $11,656 4.65%
    $1MM+ 5 $6,605,000 $1,321,000 $8,863 4.45%

    2018 saw Century Mortgage Company Dba Century Lending Company place emphasis on $100k-200k loans with 2,205 originations, totaling $327,665,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 1,420 $185,880,000 $130,901 $3,908 4.76%
    $50k-75k 1,388 $266,710,000 $192,154 $4,696 4.67%
    $75k-100k 865 $209,175,000 $241,821 $5,178 4.62%
    $100k-150k 814 $237,720,000 $292,039 $5,569 4.60%
    $150k-250k 410 $136,970,000 $334,073 $5,893 4.60%
    $250k+ 112 $41,670,000 $372,054 $5,678 4.71%

    Century Mortgage Company Dba Century Lending Company lent most frequently to those with incomes in the $50k or less range, with 1,420 originations. The second most popular income band? $50k-75k, with 1,388 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 872 $183,140,000 $210,023 $4,421 4.70%
    20-30% 824 $169,500,000 $205,704 $4,049 4.63%
    50-60% 548 $131,800,000 $240,511 $7,174 4.46%
    42% 220 $49,040,000 $222,909 $4,818 4.74%
    <20% 217 $42,025,000 $193,664 $3,690 4.49%
    49% 209 $49,475,000 $236,722 $4,979 4.76%
    48% 206 $46,270,000 $224,612 $4,760 4.74%
    45% 199 $44,725,000 $224,749 $5,041 4.72%
    47% 190 $41,260,000 $217,158 $4,739 4.70%
    39% 187 $41,325,000 $220,989 $4,896 4.70%
    41% 181 $37,535,000 $207,376 $4,759 4.71%
    40% 177 $35,365,000 $199,802 $4,574 4.73%
    44% 177 $37,185,000 $210,085 $4,765 4.76%
    46% 177 $40,575,000 $229,237 $5,020 4.71%
    38% 172 $34,050,000 $197,965 $4,501 4.79%
    43% 167 $36,275,000 $217,216 $4,731 4.69%
    36% 155 $30,025,000 $193,710 $4,216 4.66%
    37% 146 $31,200,000 $213,699 $4,757 4.71%
    >60% 10 $3,630,000 $363,000 $9,035 4.34%

    Century Mortgage Company Dba Century Lending Company lent most frequently to those with DTI ratios of 30-36%, with 872 originations. The next most common DTI ratio? 20-30%, with 824 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,911 $828,985,000 $211,962 $4,669 4.70%
    Black 434 $97,550,000 $224,770 $6,020 4.74%
    Not provided 450 $95,960,000 $213,244 $4,824 4.32%
    Asian 214 $55,160,000 $257,757 $4,927 4.66%
    American Indian 10 $2,800,000 $280,000 $4,562 4.66%
    Native Hawaiian or Islander 5 $1,315,000 $263,000 $4,924 4.63%
    Other Asian 4 $890,000 $222,500 $6,307 4.84%
    Chinese 2 $710,000 $355,000 $7,446 4.13%
    Asian Indian 2 $590,000 $295,000 $3,708 4.63%
    Other Pacific Islander 1 $305,000 $305,000 $8,664 4.75%
    Filipino 1 $135,000 $135,000 $5,681 4.75%

    Approval Rates

    Total approvals of all applications
    87.87%

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

    Pick Rate

    Approvals leading to origination
    71.91%

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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 5,034 $1,084,400,000 $215,415

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 57 $5,475,000 $96,053
    Single Family (1-4 Units):Site-Built 4,977 $1,078,925,000 $216,782

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 87 $12,085,000 $138,908 $3,018 4.47%
    40-60% 255 $47,625,000 $186,765 $3,236 4.50%
    60-80% 1,138 $258,240,000 $226,924 $3,826 4.70%
    80-100% 3,549 $765,525,000 $215,702 $5,290 4.67%
    Under 20% 5 $925,000 $185,000 $2,845 4.23%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    CENTRAL BANC MORTGAGE CORPORATION Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%