Central National Bank (Texas) mortgage approval rate & lending review
Central National Bank (Texas) decided 710 mortgage applications and funded 652 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Central National Bank (Texas) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Central National Bank (Texas) at a glance
Approval is 12.7 points above the 82.9% 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 | 97% | 347 / 359 | 93% | $325K | 324 |
| Home improvement loans | 87% | 66 / 76 | 100% | $85K | 66 |
| Refinance | 91% | 48 / 53 | 94% | $195K | 45 |
| Investment property purchase | 99% | 174 / 176 | 99% | $175K | 173 |
| Investment refinance | 94% | 30 / 32 | 100% | $165K | 30 |
Central National Bank (Texas) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 96% | $195K | 696 | 638 |
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 National Bank (Texas) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| McLennan County, TX | Mortgage lenders | 94% | 183 | 165 |
| Bell County, TX | Mortgage lenders | 99% | 130 | 115 |
| McLennan County, TX | Investment property purchase | 98% | 96 | 93 |
| Bell County, TX | Investment property purchase | 100% | 58 | 58 |
| McLennan County, TX | Home improvement loans | 86% | 57 | 49 |
| McLennan County, TX | Refinance | 91% | 33 | 29 |
| McLennan County, TX | Investment refinance | 92% | 26 | 24 |
The county markets where Central National Bank (Texas) made the most loans. Each link opens that market with every lender ranked.
Questions about Central National Bank (Texas)
What is Central National Bank (Texas)'s mortgage approval rate?
Central National Bank (Texas) approved 95.6% of the 710 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.7 points above the 82.9% national rate for the same mix of loan types.
How often do borrowers take the loan Central National Bank (Texas) offers?
Borrowers accepted 96% of the loans Central National Bank (Texas) 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 National Bank (Texas) make?
The typical home purchase mortgage loan Central National Bank (Texas) made was $325K; across all loan types its typical loan ran from $85K to $325K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Central National Bank (Texas) lend?
Central National Bank (Texas) decided applications in 11 of the states Fat Boy Data covers, most of them in Texas, Arkansas and California.
Can I apply to Central National Bank (Texas) directly?
Yes. Central National Bank (Texas) is a bank or credit union with 38 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Central National 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 National Bank (Texas) treats applications, then get a rate quote from the lender.