Central State Bank
Central State Bank received 158 applications in 2025 and made 138 mortgages, in 22 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $205,000. Of 158 decisions, 7 were denials — 4.4%.
| Legal Entity Identifier | 549300H0IFPIJWI3KL08 |
|---|---|
| Applications received | 158 |
| Mortgages made | 138 |
| Denied | 7 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Central State Bank, 7 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 81 | Not published | $225,000 | 3.3% |
| Refinancing | 47 | Not published | $165,000 | 5.4% |
| Other purposes | 10 | Not published | $235,000 | 9.1% |
Where Central State Bank lends most
The 22 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Shelby County, AL | 46 | Not published | 5.5% |
| Jefferson County, AL | 25 | Not published | 3.6% |
| Chilton County, AL | 18 | Not published | 5.0% |
| Tuscaloosa County, AL | 15 | Not published | 0.0% |
| Tallapoosa County, AL | 10 | Not published | 0.0% |
| Walker County, AL | 5 | Under 10 loans | 0.0% |
| Baldwin County, AL | 4 | Under 10 loans | 20.0% |
| Lee County, AL | 3 | Under 10 loans | 0.0% |
| Elmore County, AL | 2 | Under 10 loans | 0.0% |
| Bibb County, AL | 1 | Under 10 loans | 0.0% |
| Blount County, AL | 1 | Under 10 loans | 0.0% |
| Calhoun County, AL | 1 | Under 10 loans | 0.0% |
| Coosa County, AL | 1 | Under 10 loans | 0.0% |
| Dallas County, AL | 1 | Under 10 loans | 0.0% |
| Madison County, AL | 1 | Under 10 loans | 0.0% |
| St. Clair County, AL | 1 | Under 10 loans | 0.0% |
| Talladega County, AL | 1 | Under 10 loans | 0.0% |
| Winston County, AL | 1 | Under 10 loans | 0.0% |
| Polk County, FL | 1 | Under 10 loans | 0.0% |
| Mobile County, AL | 0 | Under 10 loans | 0.0% |
| Montgomery County, AL | 0 | Under 10 loans | 0.0% |
| Russell County, AL | 0 | Under 10 loans | 100.0% |
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When Central State 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.