Central National Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
73rd5.0% deniedProcesswithdrawn + incomplete share, weight 15%
93rd1.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 295 | 256 | 5.4% | 5.7% | — | $92M |
| 2024 | 250 | 230 | 5.2% | 5.2% | — | $94M |
| 2025 | 301 | 269 | 5.0% | 5.0% | — | $97M |
What Central National Bank 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: 0 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 102 investment properties.
Why Central National Bank denies applications
Primary reason reported for each of the 15 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Central National Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 39 | 33 | 7.7% |
| $100k – $150k | 46 | 38 | 15.2% |
| $150k – $250k | 55 | 49 | 3.8% |
| Over $250k | 66 | 62 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 32 | 28 | 6.3% |
| 35–44 | 44 | 38 | 4.6% |
| 45–54 | 72 | 62 | 5.6% |
| 55–64 | 38 | 35 | 2.7% |
| 65–74 | 21 | 19 | 4.8% |
Where Central National Bank lends
7 states and 27 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 294 | 262 | 5.1% | — | #341 |
Frequently asked questions
Central National Bank denied 5.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 73rd percentile of small mortgage lenders.
The most common reason Central National Bank gave in 2025 was "credit history", cited on 46.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 71% of its applications were for home purchases, 15% for refinancing (including cash-out), and 14% for home improvement or other purposes. By loan type: 99% conventional, 0% 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.