Central Bank
Central Bank received 42 applications in 2025 and made 20 mortgages, in 19 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $735,000. Of 24 decisions, 4 were denials — 16.7%.
| Legal Entity Identifier | 549300XF8276TFB0V157 |
|---|---|
| Applications received | 42 |
| Mortgages made | 20 |
| Denied | 4 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 18 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Central Bank, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 19 | Not published | $715,000 | 9.5% |
| Refinancing | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Other purposes | 0 | Under 10 loans | Under 10 loans | Not published |
Where Central Bank lends most
The 19 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Orange County, FL | 5 | Under 10 loans | 0.0% |
| Brevard County, FL | 3 | Under 10 loans | 0.0% |
| Pinellas County, FL | 2 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Duval County, FL | 1 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 1 | Under 10 loans | 50.0% |
| Lake County, FL | 1 | Under 10 loans | 0.0% |
| Manatee County, FL | 1 | Under 10 loans | 0.0% |
| Marion County, FL | 1 | Under 10 loans | 0.0% |
| Pasco County, FL | 1 | Under 10 loans | 66.7% |
| Polk County, FL | 1 | Under 10 loans | 0.0% |
| Sarasota County, FL | 1 | Under 10 loans | 0.0% |
| Volusia County, FL | 1 | Under 10 loans | 0.0% |
| Charlotte County, FL | 0 | Under 10 loans | Not published |
| St. Johns County, FL | 0 | Under 10 loans | Not published |
| Seminole County, FL | 0 | Under 10 loans | Not published |
| Cherokee County, GA | 0 | Under 10 loans | Not published |
| Gwinnett County, GA | 0 | Under 10 loans | Not published |
| Somerset County, NJ | 0 | Under 10 loans | 100.0% |
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When Central Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.