# CENTURY

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


> **📋 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 is a credit union, headquartered in Cleveland, OH, serving borrowers across 7 states, with 72 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 2% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 76% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300YS7PW1Y7DQZG40
- **Headquarters:** Cleveland, OH
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** CA, CO, FL, MO, OH, SC, WV
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 98/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 24/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.778%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $0
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 72
- **Dollar Volume:** $18 million
- **Applications Received:** 148
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $245,556
- **Average Borrower Income:** $146,375
- **Average Property Value:** $389,444

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 30/100 | 72 | -0.778% | $0 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 48 loans, Score: 28/100 (Acceptable)
- Refinance: 24 loans, Score: 40/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 29/100 | 48 | $12M | -0.764% | Acceptable 🙂 |
| Refinance | 37/100 | 24 | $6M | -0.825% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 64 | 0.05% | 64/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cleveland, OH | OH | 56 | 69/100 |

## Where This Lender Ranks

CENTURY appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Cleveland, OH for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/cleveland-oh/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does CENTURY offer?

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

### Where does CENTURY offer mortgages?

CENTURY offers mortgages in 7 states: CA, CO, FL, MO, OH, SC, WV.

### How competitive are CENTURY's mortgage rates?

CENTURY has a pricing score of 98/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.778% below market average.

### What type of lender is CENTURY?

CENTURY is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Cleveland, OH.

### What is CENTURY's loan approval success rate?

CENTURY has a pull-through score of 24/100 (Acceptable). 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

### How to Cite

> "CENTURY Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/century

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