Central National Bank
Central National Bank received 354 applications in 2025 and made 269 mortgages, in 75 counties across 7 states. The median rate its borrowers got was 6.750% on a median loan of $205,000. Of 313 decisions, 39 were denials — 12.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900L3UJN7196A5W71 |
|---|---|
| Applications received | 354 |
| Mortgages made | 269 |
| Denied | 39 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 41 |
| Loans bought from other lenders | 4 |
| Median rate spread over the prime offer rate | 0.1055 points |
| FDIC-insured bank | Yes: Central National Bank, 35 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 201 | 6.625% | $205,000 | 7.7% |
| Refinancing | 45 | 7.250% | $225,000 | 18.2% |
| Cash-out refinancing | 16 | 6.438% | $170,000 | 37.0% |
| Other purposes | 7 | Under 10 loans | Under 10 loans | 20.0% |
Where Central National 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 |
|---|---|---|---|
| Shawnee County, KS | 29 | 6.625% | 12.1% |
| Geary County, KS | 26 | 6.850% | 16.1% |
| Douglas County, NE | 25 | 6.625% | 0.0% |
| Sedgwick County, KS | 23 | 7.290% | 17.9% |
| Riley County, KS | 16 | 6.818% | 5.9% |
| Sarpy County, NE | 11 | 6.625% | 0.0% |
| Coffey County, KS | 10 | 6.313% | 0.0% |
| Harvey County, KS | 8 | Under 10 loans | 11.1% |
| Pottawatomie County, KS | 8 | Under 10 loans | 20.0% |
| Barton County, KS | 6 | Under 10 loans | 0.0% |
| Douglas County, KS | 6 | Under 10 loans | 0.0% |
| Johnson County, KS | 6 | Under 10 loans | 33.3% |
| Marion County, KS | 6 | Under 10 loans | 25.0% |
| Saline County, KS | 6 | Under 10 loans | 0.0% |
| Cloud County, KS | 5 | Under 10 loans | 0.0% |
| Nuckolls County, NE | 5 | Under 10 loans | 16.7% |
| Dickinson County, KS | 4 | Under 10 loans | 20.0% |
| Ellis County, KS | 4 | Under 10 loans | 0.0% |
| Jackson County, KS | 4 | Under 10 loans | 0.0% |
| Mitchell County, KS | 4 | Under 10 loans | 14.3% |
| Jackson County, MO | 4 | Under 10 loans | 0.0% |
| Lancaster County, NE | 4 | Under 10 loans | 0.0% |
| Osage County, KS | 3 | Under 10 loans | 0.0% |
| Butler County, KS | 2 | Under 10 loans | 33.3% |
| Leavenworth County, KS | 2 | Under 10 loans | 0.0% |
| Lyon County, KS | 2 | Under 10 loans | 0.0% |
| Marshall County, KS | 2 | Under 10 loans | 0.0% |
| Miami County, KS | 2 | Under 10 loans | 33.3% |
| Republic County, KS | 2 | Under 10 loans | 0.0% |
| Boone County, MO | 2 | Under 10 loans | 0.0% |
| Camden County, MO | 2 | Under 10 loans | 0.0% |
| Saunders County, NE | 2 | Under 10 loans | 33.3% |
| Clay County, KS | 1 | Under 10 loans | 50.0% |
| Cowley County, KS | 1 | Under 10 loans | 0.0% |
| Decatur County, KS | 1 | Under 10 loans | 0.0% |
| Jefferson County, KS | 1 | Under 10 loans | 50.0% |
| McPherson County, KS | 1 | Under 10 loans | 0.0% |
| Morris County, KS | 1 | Under 10 loans | 50.0% |
| Ness County, KS | 1 | Under 10 loans | 0.0% |
| Pratt County, KS | 1 | Under 10 loans | 0.0% |
| Reno County, KS | 1 | Under 10 loans | 0.0% |
| Wabaunsee County, KS | 1 | Under 10 loans | 0.0% |
| Wyandotte County, KS | 1 | Under 10 loans | 0.0% |
| Clay County, MO | 1 | Under 10 loans | 0.0% |
| Daviess County, MO | 1 | Under 10 loans | 0.0% |
| Jasper County, MO | 1 | Under 10 loans | 0.0% |
| Johnson County, MO | 1 | Under 10 loans | 0.0% |
| Platte County, MO | 1 | Under 10 loans | 0.0% |
| St. Louis County, MO | 1 | Under 10 loans | 0.0% |
| Cass County, NE | 1 | Under 10 loans | 50.0% |
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When Central National 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.