Central National Bank in Texas vs the state
5.1%Denial rate-14.33 pts vs state
5.2%Decision denial rate-19.75 pts vs state
89.1%Origination rate+34.24 pts vs state
—Median rate
—Rate spread (pts)
$154kMedian applicant income
262Loans originated
15Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 281 | 248 | 5.0% | — | #332 |
| 2024 | 240 | 220 | 5.4% | — | #366 |
| 2025 | 294 | 262 | 5.1% | — | #341 |
What Central National Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Central National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| McLennan County | 162 | 140 | 15 | 9.3% |
| Bell County | 92 | 83 | 0 | 0.0% |
| Williamson County | 8 | 8 | 0 | 0.0% |
| Travis County | 6 | 6 | 0 | 0.0% |
| Bosque County | 4 | 3 | 0 | 0.0% |
| Ellis County | 3 | 3 | 0 | 0.0% |
| Tarrant County | 3 | 3 | 0 | 0.0% |
| Limestone County | 3 | 3 | 0 | 0.0% |
| Hill County | 2 | 2 | 0 | 0.0% |
| San Patricio County | 1 | 1 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 294 applications in 2025, of which 262 were originated and 15 denied.
5.1% of all applications, or 5.2% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Central National Bank's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology