# Century Next Bank

> **Canonical URL:** https://saferate.com/lenders/century-next-bank


> **📋 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


Century Next Bank is a bank, headquartered in Ruston, LA, serving borrowers across 3 states, with 70 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 74% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 56% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493005EWJNDWPLNG328
- **Headquarters:** Ruston, LA
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** AR, FL, LA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 26/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.237%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,952
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 70
- **Dollar Volume:** $16 million
- **Applications Received:** 80
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $225,714
- **Average Borrower Income:** $114,986
- **Average Property Value:** $308,857

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 42/100 | 61 | +0.264% | $2,958 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 39 loans, Score: 39/100 (Acceptable)
- Refinance: 22 loans, Score: 36/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 37/100 | 46 | $11M | +0.149% | Acceptable 🙂 |
| Refinance | 36/100 | 24 | $4M | +0.398% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| LA | 57 | 0.16% | 65/100 |
| AR | 12 | 0.04% | 47/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 53 | 54/100 |
| Monroe, LA | LA | 15 | 55/100 |

## Where This Lender Ranks

Century Next Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Monroe, LA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/monroe-la/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#17** in Monroe, LA for Conventional Loans
  - [View Full Rankings](https://saferate.com/monroe-la/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Century Next Bank offer?

Century Next Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Century Next Bank offer mortgages?

Century Next Bank offers mortgages in 3 states: AR, FL, LA.

### How competitive are Century Next Bank's mortgage rates?

Century Next Bank has a pricing score of 26/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.237% above market average.

### What type of lender is Century Next Bank?

Century Next Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Ruston, LA.

### What is Century Next Bank's loan approval success rate?

Century Next Bank has a pull-through score of 44/100 (Sound). 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/century-next-bank

### How to Cite

> "Century Next Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/century-next-bank

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