Century mortgage approval rate & lending review
Century decided 636 mortgage applications and funded 508 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Century reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Century at a glance
Approval is 11.1 points above the 72.1% 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 | 92% | 111 / 120 | 97% | $245K | 108 |
| Home improvement loans | 78% | 206 / 265 | 97% | $55K | 199 |
| Cash-out refinance | 83% | 54 / 65 | 94% | $125K | 51 |
| Refinance | 85% | 150 / 176 | 95% | $145K | 143 |
Century lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 83% | $125K | 587 | 465 |
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.
Where Century lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Cuyahoga County, OH | Home improvement loans | 77% | 176 | 130 |
| Cuyahoga County, OH | Refinance | 83% | 78 | 58 |
| Cuyahoga County, OH | Cash-out refinance | 81% | 42 | 32 |
| Lorain County, OH | Home improvement loans | 79% | 38 | 30 |
| Lorain County, OH | Refinance | 92% | 26 | 24 |
The county markets where Century made the most loans. Each link opens that market with every lender ranked.
Questions about Century
What is Century's mortgage approval rate?
Century approved 83.2% of the 636 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.1 points above the 72.1% national rate for the same mix of loan types.
How often do borrowers take the loan Century offers?
Borrowers accepted 96% of the loans Century approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Century make?
The typical home improvement loan loan Century made was $55K; across all loan types its typical loan ran from $55K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Century lend?
Century decided applications in 19 of the states Fat Boy Data covers, most of them in Ohio, Virginia and Florida.
Can I apply to Century directly?
Yes. Century is a bank or credit union with 9 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Century'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 Century treats applications, then get a rate quote from the lender.