First Centennial Mortgage Corporation mortgage approval rate & lending review
First Centennial Mortgage Corporation decided 2,520 mortgage applications and funded 2,288 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Centennial Mortgage Corporation reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to firstcentennialmortgage.com.
First Centennial Mortgage Corporation at a glance
Approval is 5.7 points above the 85.9% 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 | 94% | 1,966 / 2,092 | 99% | $245K | 1,950 |
| Cash-out refinance | 73% | 107 / 146 | 98% | $185K | 105 |
| Refinance | 69% | 44 / 64 | 100% | $175K | 44 |
| Investment property purchase | 91% | 145 / 159 | 99% | $175K | 144 |
| Investment cash-out refinance | 79% | 38 / 48 | 97% | $135K | 37 |
First Centennial Mortgage Corporation lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 92% | $245K | 1,563 | 1,423 |
| Indiana | 91% | $205K | 268 | 244 |
| Wisconsin | 88% | $245K | 141 | 124 |
| Florida | 88% | $395K | 116 | 102 |
| Texas | 91% | $285K | 112 | 102 |
| California | 94% | $725K | 98 | 91 |
| Ohio | 92% | $195K | 89 | 82 |
| Colorado | 85% | $455K | 46 | 39 |
| Washington | 97% | $435K | 35 | 34 |
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 First Centennial Mortgage Corporation lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Cook County, IL | Mortgage lenders | 94% | 455 | 419 |
| Kane County, IL | Mortgage lenders | 97% | 218 | 210 |
| DuPage County, IL | Mortgage lenders | 96% | 138 | 130 |
| McHenry County, IL | Mortgage lenders | 97% | 131 | 126 |
| Will County, IL | Mortgage lenders | 97% | 108 | 104 |
| Lake County, IN | Mortgage lenders | 94% | 101 | 94 |
| Lake County, IL | Mortgage lenders | 89% | 93 | 82 |
| Porter County, IN | Mortgage lenders | 99% | 70 | 69 |
| Kendall County, IL | Mortgage lenders | 96% | 70 | 66 |
| DeKalb County, IL | Mortgage lenders | 93% | 44 | 41 |
| LaPorte County, IN | Mortgage lenders | 100% | 36 | 36 |
| Winnebago County, IL | Mortgage lenders | 100% | 26 | 26 |
The county markets where First Centennial Mortgage Corporation made the most loans. Each link opens that market with every lender ranked.
Questions about First Centennial Mortgage Corporation
What is First Centennial Mortgage Corporation's mortgage approval rate?
First Centennial Mortgage Corporation approved 91.6% of the 2,520 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.7 points above the 85.9% national rate for the same mix of loan types.
How often do borrowers take the loan First Centennial Mortgage Corporation offers?
Borrowers accepted 99% of the loans First Centennial Mortgage Corporation 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 First Centennial Mortgage Corporation make?
The typical home purchase mortgage loan First Centennial Mortgage Corporation made was $245K; across all loan types its typical loan ran from $135K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Centennial Mortgage Corporation lend?
First Centennial Mortgage Corporation decided applications in 17 of the states Fat Boy Data covers, most of them in Illinois, Indiana and Wisconsin.
Can I apply to First Centennial Mortgage Corporation directly?
Yes. First Centennial Mortgage Corporation reports as a direct lender that takes applications from borrowers. Its website is firstcentennialmortgage.com.
Does this page show First Centennial Mortgage Corporation'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 First Centennial Mortgage Corporation treats applications, then get a rate quote from the lender.