# CENTENNIAL LENDING, LLC

> **Canonical URL:** https://saferate.com/lenders/centennial-lending


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


CENTENNIAL LENDING, LLC is a independent mortgage company, headquartered in Centennial, CO, serving borrowers across 7 states, with 68 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 63% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 81% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300J3YLW53W0K4T67
- **Headquarters:** Centennial, CO
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** AZ, CO, IA, NE, OK, OR, WY
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 85.9%
- **Brokered/Wholesale:** 14.1%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 37/100
- Rating: ●●○○○ (2/5)

### Pull Through: Mediocre 😐
- Score: 19/100
- Rating: ●○○○○ (1/5)

### Pricing Details
- **Average Rate Spread:** +0.082%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,638
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 68
- **Dollar Volume:** $18 million
- **Applications Received:** 241
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $269,265
- **Average Borrower Income:** $95,515
- **Average Property Value:** $351,324

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 34/100 | 34 | +0.159% | $3,564 | Acceptable 🙂 |
| FHA | 60/100 | 24 | +0.230% | $4,173 | Sound ☺️ |
| VA | 37/100 | 10 | -0.480% | $3,077 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 28 loans, Score: 33/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 42/100 | 54 | $15M | +0.056% | Sound ☺️ |
| Refinance | 23/100 | 14 | $3M | +0.155% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WY | 39 | 0.62% | 70/100 |
| CO | 14 | 0.02% | 48/100 |
| NE | 10 | 0.05% | 46/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cheyenne, WY | WY | 27 | 68/100 |
| Non |  | 21 | 39/100 |

## Where This Lender Ranks

CENTENNIAL LENDING, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#9** in Cheyenne, WY Mortgage Companies
  - [View Full Rankings](https://saferate.com/cheyenne-wy/best-mortgage-lenders/mortgage-companies)
- 🏆 **#9** in Cheyenne, WY for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/cheyenne-wy/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#11** in Cheyenne, WY for FHA Loans
  - [View Full Rankings](https://saferate.com/cheyenne-wy/best-mortgage-lenders/fha-loans)
- 🏆 **#13** in Cheyenne, WY
  - [View Full Rankings](https://saferate.com/cheyenne-wy/best-mortgage-lenders)
- 🏆 **#13** in Cheyenne, WY for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/cheyenne-wy/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does CENTENNIAL LENDING, LLC offer?

CENTENNIAL LENDING, LLC offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CENTENNIAL LENDING, LLC offer mortgages?

CENTENNIAL LENDING, LLC offers mortgages in 7 states: AZ, CO, IA, NE, OK, OR, WY.

### How competitive are CENTENNIAL LENDING, LLC's mortgage rates?

CENTENNIAL LENDING, LLC has a pricing score of 37/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.082% above market average.

### What type of lender is CENTENNIAL LENDING, LLC?

CENTENNIAL LENDING, LLC is a non-depository lender that specializes in mortgage origination, headquartered in Centennial, CO.

### What is CENTENNIAL LENDING, LLC's loan approval success rate?

CENTENNIAL LENDING, LLC has a pull-through score of 19/100 (Mediocre). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/centennial-lending

### How to Cite

> "CENTENNIAL LENDING, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/centennial-lending

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**[View Interactive Profile →](https://saferate.com/lenders/centennial-lending)**