Central Bank
Central Bank received 97 applications in 2025 and made 91 mortgages, in 18 counties across 5 states. The median rate its borrowers got was 7.650% on a median loan of $165,000. Of 94 decisions, 3 were denials — 3.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493008ETVHBTJEF0O91 |
|---|---|
| Applications received | 97 |
| Mortgages made | 91 |
| Denied | 3 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.274 points |
| FDIC-insured bank | Yes: Central Bank, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 68 | 7.650% | $145,000 | 0.0% |
| Refinancing | 17 | 7.500% | $505,000 | 15.0% |
| Other purposes | 6 | Under 10 loans | Under 10 loans | 0.0% |
Where Central Bank lends most
The 18 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Pulaski County, AR | 49 | 7.500% | 2.0% |
| Washington County, AR | 7 | Under 10 loans | 0.0% |
| Saline County, AR | 6 | Under 10 loans | 0.0% |
| Benton County, AR | 5 | Under 10 loans | 0.0% |
| Lonoke County, AR | 4 | Under 10 loans | 0.0% |
| White County, AR | 4 | Under 10 loans | 0.0% |
| Faulkner County, AR | 3 | Under 10 loans | 0.0% |
| Craighead County, AR | 2 | Under 10 loans | 0.0% |
| Garland County, AR | 2 | Under 10 loans | 0.0% |
| McDonald County, MO | 2 | Under 10 loans | 33.3% |
| Arkansas County, AR | 1 | Under 10 loans | 0.0% |
| Greene County, AR | 1 | Under 10 loans | 0.0% |
| Hempstead County, AR | 1 | Under 10 loans | 0.0% |
| Madison County, AR | 1 | Under 10 loans | 0.0% |
| Cobb County, GA | 1 | Under 10 loans | 0.0% |
| Shelby County, TN | 1 | Under 10 loans | 0.0% |
| Harrison County, TX | 1 | Under 10 loans | 0.0% |
| Jefferson County, AR | 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.