Central National Bank in Missouri vs the state
11.1%Denial rate-3.96 pts vs state
11.8%Decision denial rate-6.94 pts vs state
77.8%Origination rate+15.12 pts vs state
6.77%Median rate+0.14 pts vs state
0.08Rate spread (pts)-0.27 pts vs state
$322kMedian applicant income
14Loans originated
2Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16 | 10 | 25.0% | 6.94% | #453 |
| 2024 | 9 | 4 | 33.3% | 7.69% | #498 |
| 2025 | 18 | 14 | 11.1% | 6.77% | #446 |
What Central National Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Central National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 4 | 4 | 0 | 0.0% |
| Boone County | 2 | 2 | 0 | 0.0% |
| Jasper County | 2 | 1 | 0 | 0.0% |
| Camden County | 2 | 2 | 0 | 0.0% |
| Johnson County | 2 | 1 | 0 | 0.0% |
| Platte County | 1 | 1 | 0 | 0.0% |
| Christian County | 1 | 0 | 1 | 100.0% |
| Laclede County | 1 | 0 | 1 | 100.0% |
| Clay County | 1 | 1 | 0 | 0.0% |
| St. Louis County | 1 | 1 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 18 applications in 2025, of which 14 were originated and 2 denied.
11.1% of all applications, or 11.8% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Central National Bank originated in Missouri in 2025 was 6.77%, against a statewide median of 6.63%.
About this data. Figures are Central National Bank's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology