Central National Bank Mortgage Rates, Fees & InfoWaco, TX
Tax ID: 74-1892270
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Review & OverviewCentral National Bank is a smaller bank specializing in Home Purchase loans. Central National Bank has a high proportion of conventional loans. Their top markets by origination volume include: Killeen, Waco, Austin, Dallas, and Denver among others. We have data for 17 markets. (Some data included below & more in-depth data is available with an active subscription.)
Central National Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Origination Dollar Volume (All Markets)$134,820,000
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|
|KILLEEN-TEMPLE, TX (FHA|USDA|VA)||123||$43,535,000||$353,943||$0||0.00%|
|WACO, TX (FHA|USDA|VA)||152||$40,220,000||$264,605||$0||0.00%|
|AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA)||30||$27,340,000||$911,333||$0||0.00%|
|Outside of Metro Areas||15||$9,635,000||$642,333||$0||0.00%|
|Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA)||9||$5,025,000||$558,333||$0||0.00%|
|DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA)||1||$2,125,000||$2,125,000||$0||0.00%|
|CORPUS CHRISTI, TX (FHA|USDA|VA)||1||$1,505,000||$1,505,000||$0||0.00%|
|RALEIGH-CARY, NC (FHA|USDA|VA)||1||$955,000||$955,000||$0||0.00%|
|COLLEGE STATION-BRYAN, TX (FHA|USDA|VA)||4||$840,000||$210,000||$0||0.00%|
|DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA)||1||$825,000||$825,000||$0||0.00%|
|TYLER, TX (FHA|USDA|VA)||6||$760,000||$126,667||$0||0.00%|
|HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA)||2||$720,000||$360,000||$0||0.00%|
|Key West, FL (FHA|USDA|VA)||1||$555,000||$555,000||$0||0.00%|
|ABILENE, TX (FHA|USDA|VA)||2||$400,000||$200,000||$0||0.00%|
|PANAMA CITY, FL (FHA|USDA|VA)||1||$195,000||$195,000||$0||0.00%|
|MEMPHIS, TN-MS-AR (FHA|USDA|VA)||2||$140,000||$70,000||$0||0.00%|
|LONGVIEW, TX (FHA|USDA|VA)||1||$45,000||$45,000||$0||0.00%|
|Loan Type||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, Central National Bank's most frequently originated type of loan was Conventional, with 349 originations. Their 2nd most popular type was VA, with 3 originations.
|Loan Reason||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, Central National Bank's most frequently cited loan purpose was Home Purchase, with 273 originations. The 2nd most popular reason was Refi, with 38 originations.
|Loan Length||Originations||Total Value||Average Loan||Average Fees||Average Rate|
For 2022, Central National Bank's most frequently cited loan duration was Other, with 352 originations.
2022 saw Central National Bank place emphasis on $200k-400k loans with 112 originations, totaling $30,240,000 in origination value.
Central National Bank lent most frequently to those with incomes in the $250k+ range, with 67 originations. The second most popular income band? $100k-150k, with 54 originations.
Applicant Debt to Income Ratio
|DTI Ratio||Originations||Total Value||Average Loan||Average Fees||Average Rate|
Central National Bank lent most frequently to those with DTI ratios of Exempt%, with 352 originations.
Approval RatesTotal approvals of all applications
Central National Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick RateApprovals leading to origination
Central National Bank has an average pick rate.
Points and Fees
|Points||Originations||Total Value||Average Loan|