CENTRAL STATE BANK
CENTRAL STATE BANK received 64 applications in 2025 and made 49 mortgages, in 14 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $145,000. Of 64 decisions, 9 were denials — 14.1%.
| Legal Entity Identifier | 5493005DFXO7V7YOKJ57 |
|---|---|
| Applications received | 64 |
| Mortgages made | 49 |
| Denied | 9 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 0 |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 | 38 | Not published | $170,000 | 13.7% |
| Refinancing | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Other purposes | 5 | Under 10 loans | Under 10 loans | 16.7% |
Where CENTRAL STATE BANK lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Story County, IA | 14 | Not published | 30.8% |
| Polk County, IA | 11 | Not published | 0.0% |
| Marshall County, IA | 10 | Not published | 8.3% |
| Black Hawk County, IA | 2 | Under 10 loans | 0.0% |
| Dallas County, IA | 2 | Under 10 loans | 0.0% |
| Hardin County, IA | 2 | Under 10 loans | 0.0% |
| Marion County, IA | 2 | Under 10 loans | 0.0% |
| Audubon County, IA | 1 | Under 10 loans | 0.0% |
| Bremer County, IA | 1 | Under 10 loans | 0.0% |
| Cerro Gordo County, IA | 1 | Under 10 loans | 0.0% |
| Wayne County, IA | 1 | Under 10 loans | 0.0% |
| Camden County, MO | 1 | Under 10 loans | 0.0% |
| Putnam County, MO | 1 | Under 10 loans | 0.0% |
| Johnson County, IA | 0 | Under 10 loans | 0.0% |
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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.