Central Bank
Central Bank received 1,621 applications in 2025 and made 1,301 mortgages, in 113 counties across 22 states. The median rate its borrowers got was 6.500% on a median loan of $205,000. Of 1,382 decisions, 76 were denials — 5.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300Q76VHK6FGPX546 |
|---|---|
| Applications received | 1,621 |
| Mortgages made | 1,301 |
| Denied | 76 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 239 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.091 points |
| FDIC-insured bank | Yes: Central Bank, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 902 | 6.375% | $235,000 | 1.4% |
| Refinancing | 137 | 7.000% | $245,000 | 5.5% |
| Cash-out refinancing | 73 | 7.250% | $125,000 | 13.8% |
| Other purposes | 189 | 7.500% | $55,000 | 18.5% |
Where Central Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Woodbury County, IA | 214 | 6.500% | 6.1% |
| Polk County, IA | 194 | 6.375% | 3.9% |
| Minnehaha County, SD | 160 | 6.375% | 6.4% |
| Buena Vista County, IA | 127 | 7.000% | 8.6% |
| Dickinson County, IA | 83 | 7.000% | 3.5% |
| Lincoln County, SD | 77 | 6.500% | 7.2% |
| Dallas County, IA | 70 | 6.500% | 0.0% |
| Cherokee County, IA | 65 | 6.750% | 9.7% |
| Warren County, IA | 29 | 6.375% | 3.3% |
| Union County, SD | 25 | 6.500% | 7.4% |
| Dakota County, NE | 24 | 6.375% | 11.1% |
| Plymouth County, IA | 21 | 6.625% | 4.6% |
| Brookings County, SD | 17 | 6.500% | 0.0% |
| Clay County, IA | 10 | 6.438% | 9.1% |
| Madison County, IA | 10 | 6.625% | 0.0% |
| Sac County, IA | 10 | 6.563% | 0.0% |
| Ida County, IA | 8 | Under 10 loans | 11.1% |
| Douglas County, NE | 8 | Under 10 loans | 0.0% |
| Story County, IA | 7 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 6 | Under 10 loans | 0.0% |
| Emmet County, IA | 6 | Under 10 loans | 14.3% |
| Monona County, IA | 6 | Under 10 loans | 0.0% |
| Clay County, SD | 6 | Under 10 loans | 0.0% |
| Pocahontas County, IA | 4 | Under 10 loans | 0.0% |
| Rock County, MN | 4 | Under 10 loans | 0.0% |
| Dixon County, NE | 4 | Under 10 loans | 0.0% |
| Adair County, IA | 3 | Under 10 loans | 0.0% |
| Greene County, IA | 3 | Under 10 loans | 0.0% |
| Guthrie County, IA | 3 | Under 10 loans | 0.0% |
| Johnson County, IA | 3 | Under 10 loans | 0.0% |
| Marion County, IA | 3 | Under 10 loans | 0.0% |
| O'Brien County, IA | 3 | Under 10 loans | 0.0% |
| Palo Alto County, IA | 3 | Under 10 loans | 0.0% |
| Hennepin County, MN | 3 | Under 10 loans | 0.0% |
| Camden County, MO | 3 | Under 10 loans | 0.0% |
| Sarpy County, NE | 3 | Under 10 loans | 0.0% |
| Lake County, SD | 3 | Under 10 loans | 0.0% |
| Boone County, IA | 2 | Under 10 loans | 0.0% |
| Carroll County, IA | 2 | Under 10 loans | 0.0% |
| Jasper County, IA | 2 | Under 10 loans | 33.3% |
| Lyon County, IA | 2 | Under 10 loans | 0.0% |
| Pottawattamie County, IA | 2 | Under 10 loans | 0.0% |
| Shelby County, IA | 2 | Under 10 loans | 0.0% |
| Sioux County, IA | 2 | Under 10 loans | 0.0% |
| Johnson County, KS | 2 | Under 10 loans | 0.0% |
| Jackson County, MN | 2 | Under 10 loans | 0.0% |
| Deuel County, SD | 2 | Under 10 loans | 0.0% |
| Hughes County, SD | 2 | Under 10 loans | 0.0% |
| Mohave County, AZ | 1 | Under 10 loans | 0.0% |
| Orange County, CA | 1 | Under 10 loans | 0.0% |
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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.