Centennial Lending, LLC is a Credit Union Service Organization (CUSO) that is fully owned and operated by credit unions. We handle commercial, construction and mortgage loans from the inquiry and application phase through approval, and finally to closing and servicing. Centennial does this as an agent for our owner credit unions and for a number of our partner credit unions.

The staff at Centennial is well experienced, and comes from varied credit union and commercial banking backgrounds, including many years of experience in mortgage, construction and commercial lending, servicing and administration. Centennial's staff also has years of lending experience in their respective markets; this gives us valuable insight into the requests we receive and helps us stay competitive.

Our partner credit unions take advantage of varying levels of Centennial's services. For some we handle complete loan requests as mentioned above, for some we simply provide assistance in underwriting loans, or servicing of loans; or for others, only with participation of loans.

In addition to providing needed lending expertise to credit unions and credit union members, Centennial provides an outlet for these and other credit unions through loan participations. Due to some fairly restrictive regulatory requirements, an individual credit union may not be able to lend all the money necessary to a member for one large commercial loan request. Centennial is able to close the loan for the originating credit union by participating portions of the loan among other credit unions.

Our Administrative, Residential and Commercial / Construction offices are located in east Longmont, Colorado. We have Commercial Lending Officers and Residential Lending Officers originating requests in Denver, Colorado and Cheyenne, Wyoming. All loan decisions are handled locally, so decisions are quick and efficient, and allow for optimal flexibility.