Centennial Lending, LLC mortgage approval rate & lending review
Centennial Lending, LLC decided 363 mortgage applications and funded 154 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Centennial Lending, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to centennial-lending.com.
Centennial Lending, LLC at a glance
Approval is 36.9 points below the 79.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 64% | 120 / 188 | 98% | $225K | 118 |
| Cash-out refinance | 24% | 25 / 106 | 100% | $195K | 25 |
| Refinance | 16% | 4 / 25 | 100% | $105K | 4 |
| Investment cash-out refinance | 12% | 3 / 26 | 100% | $195K | 3 |
Centennial Lending, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Colorado | 26% | $375K | 154 | 40 |
| Wyoming | 87% | $225K | 105 | 89 |
| Arizona | 21% | $155K | 38 | 8 |
| Nebraska | 38% | $205K | 32 | 12 |
| Oregon | 13% | $385K | 23 | 3 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Questions about Centennial Lending, LLC
What is Centennial Lending, LLC's mortgage approval rate?
Centennial Lending, LLC approved 43.0% of the 363 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 36.9 points below the 79.9% national rate for the same mix of loan types.
How often do borrowers take the loan Centennial Lending, LLC offers?
Borrowers accepted 99% of the loans Centennial Lending, LLC approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Centennial Lending, LLC make?
The typical home purchase mortgage loan Centennial Lending, LLC made was $225K; across all loan types its typical loan ran from $105K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Centennial Lending, LLC lend?
Centennial Lending, LLC decided applications in 12 of the states Fat Boy Data covers, most of them in Colorado, Wyoming and Arizona.
Can I apply to Centennial Lending, LLC directly?
Yes. Centennial Lending, LLC reports as a direct lender that takes applications from borrowers. Its website is centennial-lending.com.
Does this page show Centennial Lending, LLC's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Centennial Lending, LLC treats applications, then get a rate quote from the lender.