Applications / Mortgage Analytics / Lenders / Colorado / Centennial Lending
Longmont, CO · Non-bank affiliate of a holding company · CFPB · 83 loans in 2025
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83
loans originated, 2025
359
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Centennial Lending, a Wyoming-centered non-bank lender, makes mostly home-purchase loans and lends to low- and moderate-income borrowers more than any of its peers.
Home purchases made up 77.1% of its loans in 2025. Loans insured by the Federal Housing Administration (FHA) were 38.6% and loans guaranteed by the Department of Veterans Affairs (VA) another 7.2%. Similar lenders, here non-bank affiliates making between a quarter and four times as many loans, typically had 6.1% and 1.5%. Only 54.2% of its loans were conventional, a lower share than at about nine in ten peers.
Borrowers with low or moderate incomes (LMI) took 41.0% of its loans, the highest share among its 12 peers, whose typical figure was 21.6%. Its typical loan, $195,000, was the smallest in the group, against $330,000. The heavy FHA share and the small loans point the same way.
It made 83 loans, down 6% from 88, while its peers fell 28%. That is about a tenth of the 835 it made in 2020; the count dropped to 64 in 2023 and has stayed below 100 since. Five years ago 95.1% of its loans were conventional, so it may have changed the kind of lending it does, not just its size. Cheyenne is its largest metro market, where it ranked 47 of 190 lenders.
Similar lenders: same lender type, originations between a quarter and four times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Centennial Lending took 359 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 77.1% · Refinance 22.9%
Conventional 54.2% · FHA 38.6% · VA 7.2% · of 83 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Wyoming | 41 | 49.4% |
| Nebraska | 22 | 26.5% |
| Colorado | 13 | 15.7% |
| Arizona | 4 | 4.8% |
| Oregon | 2 | 2.4% |
| New Mexico | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cheyenne | 23 |
| Denver-Aurora-Centennial | 7 |
| Omaha | 6 |
| Greeley | 4 |
| Lincoln | 2 |
| Phoenix-Mesa-Chandler | 2 |
| Salem | 2 |
| Tucson | 2 |
| Casper | 1 |
| Colorado Springs | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300J3YLW53W0K4T67 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3849451 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7841553724 | |
| Respondent ID (the HMDA filer code before 2018) | 5841553724 | 2002–2005 |
Established 6 March 2000. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: Centennial Lending's data.
Centennial Lending's data
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Centennial Lending and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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