Central Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
51st9.9% deniedPricingmedian rate spread over APOR, weight 30%
65th0.18 ptsProcesswithdrawn + incomplete share, weight 15%
86th8.7%Closing coststotal loan costs ÷ loan amount, weight 10%
83rd1.40% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,307 | 1,078 | 9.4% | 10.1% | 7.00% | $287M |
| 2024 | 1,240 | 1,005 | 9.8% | 10.6% | 7.99% | $231M |
| 2025 | 1,155 | 926 | 9.0% | 9.9% | 7.25% | $245M |
What Central Bank & Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 570 home-equity lines, 0 reverse mortgages, 18 manufactured homes, 114 investment properties.
Why Central Bank & Trust denies applications
Primary reason reported for each of the 104 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Central Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 89 | 49 | 28.2% |
| $50k – $100k | 309 | 222 | 17.1% |
| $100k – $150k | 192 | 152 | 7.7% |
| $150k – $250k | 207 | 179 | 6.7% |
| Over $250k | 279 | 248 | 3.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 24 | 21 | 4.6% |
| 25–34 | 226 | 182 | 7.1% |
| 35–44 | 231 | 181 | 11.0% |
| 45–54 | 226 | 177 | 13.4% |
| 55–64 | 204 | 162 | 10.6% |
| 65–74 | 125 | 97 | 9.7% |
| Over 74 | 67 | 54 | 11.3% |
Where Central Bank & Trust lends
13 states and 70 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Central Bank & Trust denied 9.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 51st percentile of mid-size mortgage lenders.
The most common reason Central Bank & Trust gave in 2025 was "credit history", cited on 34.6% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Central Bank & Trust originated in 2025 was 7.25%, and its median rate spread over the average prime offer rate was 0.18 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 44% of its applications were for home purchases, 17% for refinancing (including cash-out), and 39% for home improvement or other purposes. By loan type: 96% conventional, 3% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.