Central Bank
Central Bank received 50 applications in 2025 and made 35 mortgages, in 13 counties across 2 states. The median rate its borrowers got was 6.375% on a median loan of $585,000. Of 40 decisions, 4 were denials — 10.0%, most often for credit history.
| Legal Entity Identifier | 5493005J49KPXDXUC959 |
|---|---|
| Applications received | 50 |
| Mortgages made | 35 |
| Denied | 4 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 10 |
| Loans bought from other lenders | 24 |
| Median rate spread over the prime offer rate | 0.085 points |
| FDIC-insured bank | Yes: Central Bank, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 24 | 6.375% | $590,000 | 3.9% |
| Refinancing | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Cash-out refinancing | 5 | Under 10 loans | Under 10 loans | 16.7% |
Where Central Bank lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Harris County, TX | 21 | 6.000% | 12.5% |
| Fort Bend County, TX | 6 | Under 10 loans | 0.0% |
| District of Columbia, DC | 1 | Under 10 loans | 0.0% |
| Brazoria County, TX | 1 | Under 10 loans | 0.0% |
| Colorado County, TX | 1 | Under 10 loans | 0.0% |
| Dallas County, TX | 1 | Under 10 loans | 0.0% |
| Galveston County, TX | 1 | Under 10 loans | 0.0% |
| Hays County, TX | 1 | Under 10 loans | 0.0% |
| Montgomery County, TX | 1 | Under 10 loans | 0.0% |
| Waller County, TX | 1 | Under 10 loans | 50.0% |
| Bexar County, TX | 0 | Under 10 loans | Not published |
| Rockwall County, TX | 0 | Under 10 loans | Not published |
| Trinity County, TX | 0 | Under 10 loans | Not published |
Get told when this changes
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.