PlainLender

U.S. Century Bank

Miami, FL

U.S. Century Bank processed 35 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 27 loans with a 0.0% denial rate. Home Purchase was the primary loan purpose. Based in Miami, FL. The approval rate of 77.1% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. U.S. Century Bank's 77.1% origination rate tells you how often an application turned into funded money; the 0.0% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (35 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

35
Applications
27
Originated
0.0%
Denial Rate
$3,011,857
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 35 27 0 $3,011,857

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for U.S. Century Bank (LEI: 254900XT937N1XUKWX63) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 23 19 $2,594,565
Refinancing 11 7 $4,130,455
Home Improvement 1 1 $305,000

Nearby Lenders in FL

Other HMDA-reporting lenders in FL with similar activity. Compare any two side-by-side.

Freedom Mortgage Corporation

BOCA RATON, FL

252,504 apps 57,345 originated 4.9% denied

Lakeview Loan Servicing, LLC

Coral Gables, FL

96,650 apps 10,540 originated 25.2% denied

Triad Financial Services, INC.

JACKSONVILLE, FL

86,581 apps 12,731 originated 55.6% denied

Lennar Mortgage, LLC

MIAMI, FL

75,233 apps 55,530 originated 12.4% denied

Phh Mortgage Corporation

West Palm Beach, FL

62,326 apps 4,770 originated 3.4% denied
Compare U.S. Century Bank vs Freedom Mortgage Corporation →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did U.S. Century Bank process?
U.S. Century Bank processed 35 mortgage applications in the 2024 HMDA reporting year. Of these, 27 were originated (approved and funded), 5 were withdrawn by the applicant, and 0 were denied.
What is U.S. Century Bank's mortgage approval rate?
U.S. Century Bank has an approval (origination) rate of 77.1%, meaning 77.1% of all applications resulted in a funded mortgage. The denial rate is 0.0%.
What is the average loan amount at U.S. Century Bank?
The average mortgage loan amount at U.S. Century Bank is $3,011,857.
What types of mortgage loans does U.S. Century Bank offer?
U.S. Century Bank processes Conventional loans. The most common type is Conventional with 35 applications and an average loan amount of $3,011,857.
What loan purposes does U.S. Century Bank serve?
U.S. Century Bank serves the following loan purposes: Home Purchase (23 applications), Refinancing (11 applications), Home Improvement (1 applications). Home Purchase is the most common purpose.
Where is U.S. Century Bank located?
U.S. Century Bank is headquartered in Miami, FL. The lender is identified by LEI 254900XT937N1XUKWX63 in HMDA data.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.