Central Bank (Texas) mortgage approval rate & lending review
Central Bank (Texas) decided 267 mortgage applications and funded 201 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Central Bank (Texas) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Central Bank (Texas) at a glance
Approval is 14.7 points above the 73.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 84 / 88 | 90% | $455K | 76 |
| Home improvement loans | 82% | 109 / 133 | 75% | $95K | 82 |
Central Bank (Texas) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 88% | $315K | 266 | 200 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Central Bank (Texas) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Harris County, TX | Home improvement loans | 100% | 27 | 20 |
The county markets where Central Bank (Texas) made the most loans. Each link opens that market with every lender ranked.
Questions about Central Bank (Texas)
What is Central Bank (Texas)'s mortgage approval rate?
Central Bank (Texas) approved 88.4% of the 267 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.7 points above the 73.7% national rate for the same mix of loan types.
How often do borrowers take the loan Central Bank (Texas) offers?
Borrowers accepted 85% of the loans Central Bank (Texas) approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Central Bank (Texas) make?
The typical home improvement loan loan Central Bank (Texas) made was $95K; across all loan types its typical loan ran from $95K to $455K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Central Bank (Texas) lend?
Central Bank (Texas) decided applications in 2 of the states Fat Boy Data covers, most of them in Texas and District of Columbia.
Can I apply to Central Bank (Texas) directly?
Yes. Central Bank (Texas) is a bank or credit union with 49 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Central Bank (Texas)'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Central Bank (Texas) treats applications, then get a rate quote from the lender.