Central Bank mortgage approval rate & lending review
Central Bank decided 393 mortgage applications and funded 350 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Central Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Central Bank at a glance
Approval is 11.8 points above the 80.8% 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 | 96% | 150 / 156 | 96% | $495K | 144 |
| Home improvement loans | 95% | 35 / 37 | 97% | $155K | 34 |
| Refinance | 94% | 68 / 72 | 99% | $255K | 67 |
| Investment property purchase | 93% | 65 / 70 | 92% | $285K | 60 |
Central Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Utah | 93% | $285K | 382 | 341 |
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 lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Utah County, UT | Mortgage lenders | 98% | 131 | 123 |
| Utah County, UT | Refinance | 94% | 67 | 62 |
| Utah County, UT | Investment property purchase | 96% | 51 | 45 |
| Utah County, UT | Home improvement loans | 94% | 32 | 29 |
| Utah County, UT | Cash-out refinance | 70% | 20 | 13 |
The county markets where Central Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Central Bank
What is Central Bank's mortgage approval rate?
Central Bank approved 92.6% of the 393 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.8 points above the 80.8% national rate for the same mix of loan types.
How often do borrowers take the loan Central Bank offers?
Borrowers accepted 96% of the loans Central Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Central Bank make?
The typical home purchase mortgage loan Central Bank made was $495K; across all loan types its typical loan ran from $155K to $495K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Central Bank lend?
Central Bank decided applications in 10 of the states Fat Boy Data covers, most of them in Utah, Nevada and Ohio.
Can I apply to Central Bank directly?
Yes. Central Bank 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'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 treats applications, then get a rate quote from the lender.