Central National Bank Mortgage Rates, Fees & Info

Junction City, KS

LEI: 254900L3UJN7196A5W71

Tax ID: 48-1174053

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Mortgage Data

Bank Data

Review & Overview

Central National Bank is a smaller bank specializing in Home Purchase loans. Central National Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Omaha, Manhattan, Kansas City, Topeka, and Lawrence among others. We have data for 29 markets. (Some data included below & more in-depth data is available with an active subscription.)

Central National Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Central National Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.57% 3/28/24
30 Year Conventional Refi 6.73% 3/28/24
30 Year Cash-out Refi 6.76% 3/28/24
30 Year FHA Purchase 7.25% 3/28/24
30 Year FHA Refi 6.27% 3/28/24
30 Year VA Purchase 6.37% 3/28/24
30 Year VA Refi 6.64% 3/28/24
15 Year Conventional Purchase 6.00% 3/28/24
15 Year Conventional Refi 5.86% 3/28/24
15 Year Cash-out Refi 5.86% 3/28/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Central National Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Central National Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

508

Origination Dollar Volume (All Markets)

$81,510,000

Employee count

301 Show all (20) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 86 $16,510,000 $191,977 $1,915 4.44%
MANHATTAN, KS (FHA|USDA|VA) 80 $13,420,000 $167,750 $2,261 4.67%
KANSAS CITY, MO-KS (FHA|USDA|VA) 62 $13,030,000 $210,161 $2,091 4.45%
Outside of Metro Areas 115 $12,985,000 $112,913 $1,773 4.53%
TOPEKA, KS (FHA|USDA|VA) 57 $7,955,000 $139,561 $2,019 4.43%
LAWRENCE, KS (FHA|USDA|VA) 23 $5,145,000 $223,696 $1,944 4.78%
WICHITA, KS (FHA|USDA|VA) 33 $4,325,000 $131,061 $1,412 4.84%
Salina, KS (FHA|USDA|VA) 9 $1,535,000 $170,556 $1,757 4.63%
LINCOLN, NE (FHA|USDA|VA) 10 $1,360,000 $136,000 $2,550 4.80%
Norfolk, NE (FHA|USDA|VA) 4 $780,000 $195,000 $2,299 4.25%
SPRINGFIELD, MO (FHA|USDA|VA) 3 $645,000 $215,000 $3,925 4.33%
Great Bend, KS (FHA|USDA|VA) 4 $560,000 $140,000 $2,120 4.66%
Aberdeen, SD (FHA|USDA|VA) 1 $455,000 $455,000 $2,777 5.00%
North Platte, NE (FHA|USDA|VA) 3 $425,000 $141,667 $1,619 4.75%
JEFFERSON CITY, MO (FHA|USDA|VA) 2 $300,000 $150,000 $831 5.00%
COLUMBIA, MO (FHA|USDA|VA) 1 $245,000 $245,000 $1,017 4.63%
Ottawa, KS (FHA|USDA|VA) 2 $230,000 $115,000 $955 4.44%
Hutchinson, KS (FHA|USDA|VA) 1 $195,000 $195,000 $0 4.88%
McPherson, KS (FHA|USDA|VA) 2 $190,000 $95,000 $1,307 5.00%
Kearney, NE (FHA|USDA|VA) 1 $155,000 $155,000 $3,850 5.13%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $155,000 $155,000 $1,520 4.75%
Maryville, MO (FHA|USDA|VA) 1 $135,000 $135,000 $710 4.63%
Hastings, NE (FHA|USDA|VA) 1 $125,000 $125,000 $1,923 3.63%
GRAND ISLAND, NE (FHA|USDA|VA) 1 $125,000 $125,000 $1,682 3.63%
Warrensburg, MO (FHA|USDA|VA) 1 $125,000 $125,000 $5,906 4.63%
Columbus, NE (FHA|USDA|VA) 1 $115,000 $115,000 $1,603 4.88%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $115,000 $115,000 $2,221 4.13%
Moberly, MO (FHA|USDA|VA) 1 $115,000 $115,000 $1,581 4.13%
Sedalia, MO (FHA|USDA|VA) 1 $55,000 $55,000 $1,192 4.75%
Central National Bank's top markets include Omaha, Manhattan, Kansas City, Topeka, and Lawrence among others.

Their top states include:
  • Kansas (FHA|USDA|VA)
  • Nebraska (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • South Dakota (FHA|USDA|VA)
  • Iowa (FHA|USDA|VA)
  • Similar Lenders

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 417 $66,885,000 $160,396 $1,502 4.62%
    FHA 47 $6,585,000 $140,106 $3,658 4.25%
    VA 44 $8,040,000 $182,727 $3,774 4.24%

    For 2018, Central National Bank's most frequently originated type of loan was Conventional, with 417 originations. Their 2nd most popular type was FHA, with 47 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 390 $64,340,000 $164,974 $1,896 4.52%
    Cash Out Refi 60 $8,440,000 $140,667 $2,493 4.47%
    Refi 49 $7,825,000 $159,694 $1,622 4.84%
    Other 5 $405,000 $81,000 $1,600 4.75%
    Home Improvement 4 $500,000 $125,000 $1,429 5.51%

    For 2018, Central National Bank's most frequently cited loan purpose was Home Purchase, with 390 originations. The 2nd most popular reason was Cash Out Refi, with 60 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 366 $61,850,000 $168,989 $2,042 4.52%
    15 Year 82 $10,500,000 $128,049 $1,631 4.26%
    20 Year 38 $5,270,000 $138,684 $1,511 4.93%
    10 Year 7 $1,865,000 $266,429 $0 5.64%
    1 Year 7 $485,000 $69,286 $0 5.85%
    Other 6 $1,410,000 $235,000 $1,025 5.15%
    3 Year 1 $115,000 $115,000 $0 5.00%
    5 Year 1 $15,000 $15,000 $0 5.75%

    For 2018, Central National Bank's most frequently cited loan duration was 30 Year, with 366 originations. The 2nd most popular length was 15 Year, with 82 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 411 $65,265,000 $158,796
    $1k-2k 17 $2,985,000 $175,588
    $2k-3k 13 $3,085,000 $237,308
    $3k-4k 3 $625,000 $208,333
    $4k-5k 1 $215,000 $215,000

    Central National Bank's average total fees were $2,042, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 411 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 372 $59,490,000 $159,919
    3-4% 82 $13,780,000 $168,049
    5-6% 41 $6,815,000 $166,220
    6-7% 13 $1,425,000 $109,615

    During 2018, Central National Bank's average interest rate for loans was 4.52%, while their most frequently originated rate bucket for loans was 4-5%, with 372 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 263 $37,865,000 $143,973 $1,785 4.49%
    $100,000 or less 121 $8,005,000 $66,157 $1,515 4.74%
    $200k-400k 112 $29,600,000 $264,286 $2,711 4.46%
    $400k-600k 9 $4,025,000 $447,222 $2,122 4.81%
    $600k-1MM 3 $2,015,000 $671,667 $0 5.48%

    2018 saw Central National Bank place emphasis on $100k-200k loans with 263 originations, totaling $37,865,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 149 $21,255,000 $142,651 $1,989 4.49%
    $50k or less 112 $11,330,000 $101,161 $1,569 4.49%
    $75k-100k 87 $14,405,000 $165,575 $2,204 4.48%
    $100k-150k 80 $16,220,000 $202,750 $2,075 4.47%
    $150k-250k 29 $7,125,000 $245,690 $2,278 4.55%
    $250k+ 21 $5,145,000 $245,000 $2,173 4.60%

    Central National Bank lent most frequently to those with incomes in the $50k-75k range, with 149 originations. The second most popular income band? $50k or less, with 112 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 122 $19,360,000 $158,689 $1,824 4.40%
    30-36% 86 $13,640,000 $158,605 $1,839 4.49%
    <20% 49 $7,615,000 $155,408 $1,615 4.51%
    36% 26 $4,010,000 $154,231 $2,264 4.41%
    44% 19 $3,475,000 $182,895 $2,166 4.64%
    43% 18 $2,450,000 $136,111 $1,506 4.35%
    38% 17 $2,815,000 $165,588 $1,923 4.40%
    40% 16 $2,960,000 $185,000 $1,426 4.52%
    41% 15 $2,365,000 $157,667 $2,147 4.40%
    46% 15 $1,995,000 $133,000 $1,416 4.55%
    45% 13 $2,185,000 $168,077 $2,818 4.45%
    50-60% 11 $2,125,000 $193,182 $3,391 4.34%
    37% 11 $1,805,000 $164,091 $2,124 4.48%
    39% 11 $2,005,000 $182,273 $2,988 4.48%
    48% 11 $1,715,000 $155,909 $2,112 4.43%
    49% 9 $1,355,000 $150,556 $1,797 4.43%
    47% 8 $1,590,000 $198,750 $3,400 4.36%
    42% 7 $805,000 $115,000 $1,752 4.55%

    Central National Bank lent most frequently to those with DTI ratios of 20-30%, with 122 originations. The next most common DTI ratio? 30-36%, with 86 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 457 $71,395,000 $156,225 $1,952 4.50%
    Not applicable 21 $4,275,000 $203,571 $0 5.66%
    Asian 4 $1,710,000 $427,500 $2,886 4.78%
    Black 8 $1,520,000 $190,000 $1,957 4.42%
    Not provided 6 $740,000 $123,333 $2,347 4.73%
    American Indian 5 $665,000 $133,000 $474 4.68%
    Native Hawaiian or Islander 2 $370,000 $185,000 $2,902 4.69%
    Other Asian 2 $320,000 $160,000 $5,493 4.88%
    Asian Indian 2 $300,000 $150,000 $1,219 4.31%
    Korean 1 $215,000 $215,000 $2,168 5.25%

    Approval Rates

    Total approvals of all applications
    86.34%

    Central National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    89.17%

    Central National Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 508 $81,510,000 $160,453

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 10 $3,400,000 $340,000
    Single Family (1-4 Units):Site-Built 498 $78,110,000 $156,847

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 20 $1,610,000 $80,500 $1,434 4.53%
    40-60% 39 $5,985,000 $153,462 $1,746 4.71%
    60-80% 138 $22,000,000 $159,420 $1,655 4.73%
    80-100% 295 $48,595,000 $164,729 $1,995 4.44%
    Over 100% 10 $2,170,000 $217,000 $6,107 4.41%
    Under 20% 6 $1,150,000 $191,667 $816 5.36%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    CENTRAL BANC MORTGAGE CORPORATION Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Central National Bank 100 Rimrock Junction City, KS 66441 Limited, Administrative $0
    Central National Bank 101 East Bluemont Avenue Manhattan, KS 66502 Full Service Retail $3,913
    Central National Bank 101 North Main Street Halstead, KS 67056 Full Service B&M $16,754
    Central National Bank 101 South Broadway Herington, KS 67449 Full Service B&M $39,092
    Central National Bank 116 West 8th Street Junction City, KS 66441 Limited, Drive-thru $0
    Central National Bank 120 East Main Beloit, KS 67420 Full Service B&M $13,456
    Central National Bank 130 East Seventh Street Concordia, KS 66901 Full Service B&M $72,868
    Central National Bank 1403 College Avenue Manhattan, KS 66502 Full Service B&M $22,712
    Central National Bank 1501 Sw Wanamaker Road Topeka, KS 66604 Full Service B&M $1,830
    Central National Bank 1555 East Santa Fe Street Gardner, KS 66030 Full Service B&M $11,444
    Central National Bank 1801 W. Ash Street Junction City, KS 66441 Full Service B&M $7,291
    Central National Bank 201 South Fourth Street Burlington, KS 66839 Full Service B&M $36,320
    Central National Bank 206 North Main Hillsboro, KS 67063 Full Service B&M $30,700
    Central National Bank 208 East South Mankato, KS 66956 Full Service B&M $26,201
    Central National Bank 231 East Main Marion, KS 66861 Full Service B&M $54,670
    Central National Bank 2900 South 9th Salina, KS 67402 Full Service Retail $4,488
    Central National Bank 3300 Iowa St. P.O. Box 4404 Lawrence, KS 66046 Full Service B&M $9,553
    Central National Bank 3503 10th Street Great Bend, KS 67530 Full Service B&M $2,474
    Central National Bank 411 North National Street Superior, NE 68978 Full Service B&M $61,026
    Central National Bank 454 South Ohio Salina, KS 67401 Full Service B&M $30,019
    Central National Bank 4838 West Central Wichita, KS 67212 Full Service B&M $29,244
    Central National Bank 509 Main Tipton, KS 67485 Full Service B&M $11,988
    Central National Bank 521 East Chestnut Street Junction City, KS 66441 Full Service Retail $5,368
    Central National Bank 540 West 6th Street Junction City, KS 66441 Full Service B&M $3,435
    Central National Bank 603 West 9th Street Lawrence, KS 66044 Full Service B&M $10,927
    Central National Bank 626 North Main Newton, KS 67114 Full Service B&M $25,633
    Central National Bank 711 East Lincoln Hesston, KS 67062 Full Service B&M $15,214
    Central National Bank 711 Wakarusa Lawrence, KS 66047 Full Service B&M $28,720
    Central National Bank 800 Quincy Topeka, KS 66601 Full Service B&M $25,108
    Central National Bank 800 Se Quincy Topeka, KS 66612 Full Service Cyber Office $1,582
    Central National Bank 802 North Washington Street Junction City, KS 66441 Full Service B&M $188,546
    Central National Bank P.O. Box 268 Superior, NE 68978 Limited, Administrative $0

    For 2018, Central National Bank had 32 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $35,208
    Net interest income $28,424
    Total noninterest income $18,738
    Gross Fiduciary activities income $2,892
    Service charges on deposit accounts $5,445
    Trading account gains and fees $0
    Additional Noninterest Income $10,401
    Pre-tax net operating income $10,850
    Securities gains (or losses, -) $-6
    Income before extraordinary items $9,299
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $9,299
    Minority interest net income $0
    Net income $9,299
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $9,304

    Central National Bank's gross interest income from loans was $35,208,000.
    Central National Bank's net interest income from loans was $28,424,000.
    Central National Bank's fee based income from loans was $5,445,000.
    Central National Bank's net income from loans was $9,299,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $6,784
    Provision for credit losses $-1,000
    Total noninterest expense $37,312
    Salaries and employee benefits $23,456
    Premises and equipment expense $4,653
    Additional noninterest expense $9,203
    Applicable income taxes $1,545
    Net charge-offs $-721
    Cash dividends $6,000

    Central National Bank's interest expense for loans was $6,784,000.
    Central National Bank's payroll and benefits expense were $23,456,000.
    Central National Bank's property, plant and equipment expenses $4,653,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $845,643
    Deposits held in domestic offices $845,643
    Deposits by Individuals, partnerships, and corporations $649,603
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $196,040
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $304,026
    Demand deposits $239,273
    Nontransaction accounts $541,617
    Money market deposit accounts (MMDAs) $104,271
    Other savings deposits (excluding MMDAs) $277,814
    Total time deposits $159,532
    Total time and savings deposits $606,370
    Noninterest-bearing deposits $198,529
    Interest-bearing deposits $647,114
    Retail deposits $827,855
    IRAs and Keogh plan accounts $22,950
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $966,018
    Cash & Balances due from depository institutions $125,848
    Interest-bearing balances $99,804
    Total securities $279,802
    Federal funds sold & reverse repurchase $0
    Net loans and leases $492,162
    Loan and leases loss allowance $8,670
    Trading account assets $0
    Bank premises and fixed assets $14,128
    Other real estate owned $933
    Goodwill and other intangibles $12,473
    All other assets $40,672

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $966,018
    Total Liabilities $859,347
    Total deposits $845,643
    Interest-bearing deposits $647,114
    Deposits held in domestic offices $845,643
    % insured (estimated) $68
    Federal funds purchased and repurchase agreements $11,907
    Trading liabilities $0
    Other borrowed funds $544
    Subordinated debt $0
    All other liabilities $1,253

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $492,162
    Loan and leases loss allowance $8,670
    Total loans and leases (domestic) $500,832
    All real estate loans $334,706
    Real estate loans in domestic offices $334,706
    Construction and development loans $16,090
    Residential 1-4 family construction $5,482
    Other construction, all land development and other land $10,608
    Loans secured by nonfarm nonresidential properties $167,157
    Nonfarm nonresidential secured by owner-occupied properties $49,363
    Commercial real estate & other non-farm, non-residential $117,794
    Multifamily residential real estate $10,650
    1-4 family residential loans $61,447
    Farmland loans $79,362
    Loans held in foreign offices $0
    Farm loans $76,029
    Commercial and industrial loans $58,439
    To non-U.S. addressees $0
    Loans to individuals $19,394
    Credit card loans $0
    Related Plans $1,553
    Consumer Auto Loans $10,654
    Other loans to individuals $7,187
    All other loans & leases $13,298
    Loans to foreign governments and official institutions $0
    Other loans $1,075
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $330
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $2,118
    Non 1-4 family restructured loans & leases $2,118
    Total loans and leases (foreign) $0

    Central National Bank had $492,162,000 of loans outstanding in 2018. $334,706,000 of loans were in real estate loans. $16,090,000 of loans were in development loans. $10,650,000 of loans were in multifamily mortgage loans. $61,447,000 of loans were in 1-4 family mortgage loans. $76,029,000 of loans were in farm loans. $0 of loans were in credit card loans. $10,654,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 229 $45,156 $197,188
    Nonfarm, nonresidential loans - <$100k 71 $2,923 $41,169
    Nonfarm, nonresidential loans - $100-250k 65 $6,967 $107,185
    Nonfarm, nonresidential loans - $250k-1MM 93 $35,266 $379,204
    Commercial & Industrial, US addressed loans - <$1MM 405 $29,124 $71,911
    Commercial & Industrial, US addressed loans - <$100k 274 $6,505 $23,741
    Commercial & Industrial, US addressed loans - $100-250k 80 $8,443 $105,538
    Commercial & Industrial, US addressed loans - $250k-1MM 51 $14,176 $277,961
    Farmland loans - <$1MM 304 $42,047 $138,313
    Farmland loans - <$100k 104 $4,618 $44,404
    Farmland loans - $100-250k 118 $15,369 $130,246
    Farmland loans - $250k-1MM 82 $22,060 $269,024
    Agriculture operations loans - <$1MM 468 $34,876 $74,521
    Agriculture operations loans - <$100k 286 $7,958 $27,825
    Agriculture operations loans - $100-250k 109 $9,861 $90,468
    Agriculture operations loans - $250k-1MM 73 $17,057 $233,658