Lender profile · HMDA 2023–2025
Central State Bank mortgage approval rates & lending data
Central State Bank decided 259 mortgage applications and funded 222 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 78% | 28 / 36 | 82% | $315K | 23 |
| Refinance | 86% | 32 / 37 | 88% | $115K | 28 |
| Investment property purchase | 97% | 122 / 126 | 96% | $205K | 117 |
| Investment refinance | 98% | 43 / 44 | 91% | $185K | 39 |
Central State Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Alabama | 93% | $205K | 252 | 215 |
| Florida | 100% | $315K | 4 | 4 |
| Georgia | 100% | $205K | 2 | 2 |
| Delaware | 100% | $185K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.