# Central National Bank

> **Canonical URL:** https://saferate.com/lenders/central-national-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Central National Bank is a bank, headquartered in Junction City, KS, serving borrowers across 4 states, with 164 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 21% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 43% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 254900L3UJN7196A5W71
- **Headquarters:** Junction City, KS
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** IA, KS, MO, NE
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 79/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 57/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.171%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $788
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 164
- **Dollar Volume:** $39 million
- **Applications Received:** 221
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $236,220
- **Average Borrower Income:** $129,835
- **Average Property Value:** $311,098

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 55/100 | 138 | +0.186% | $769 | Sound ☺️ |
| VA | 63/100 | 20 | -0.125% | $1,230 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 123 loans, Score: 55/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 53/100 | 144 | $35M | +0.163% | Sound ☺️ |
| Refinance | 33/100 | 20 | $4M | +0.224% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KS | 118 | 0.39% | 78/100 |
| NE | 44 | 0.21% | 62/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 50 | 48/100 |
| Manhattan, KS | KS | 38 | 74/100 |
| Omaha, NE | NE-IA | 29 | 59/100 |
| Topeka, KS | KS | 23 | 59/100 |
| Kansas City, MO | MO-KS | 10 | 43/100 |

## Where This Lender Ranks

Central National Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Topeka, KS for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Manhattan, KS for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/manhattan-ks/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Manhattan, KS Banks
  - [View Full Rankings](https://saferate.com/manhattan-ks/best-mortgage-lenders/banks)
- 🏆 **#4** in Manhattan, KS for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/manhattan-ks/best-mortgage-lenders/banks/va-loans)
- 🏆 **#5** in Manhattan, KS for Conventional Loans
  - [View Full Rankings](https://saferate.com/manhattan-ks/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in Manhattan, KS for VA Loans
  - [View Full Rankings](https://saferate.com/manhattan-ks/best-mortgage-lenders/va-loans)
- 🏆 **#5** in Topeka, KS for VA Loans
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders/va-loans)
- 🏆 **#6** in Manhattan, KS
  - [View Full Rankings](https://saferate.com/manhattan-ks/best-mortgage-lenders)
- 🏆 **#8** in Topeka, KS Banks
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders/banks)
- 🏆 **#8** in Topeka, KS for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#9** in Kansas for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/banks/va-loans)
- 🏆 **#14** in Topeka, KS for Conventional Loans
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders/conventional-loans)
- 🏆 **#15** in Kansas for VA Loans
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/va-loans)
- 🏆 **#15** in Topeka, KS
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders)
- 🏆 **#17** in Nebraska for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#18** in Kansas for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#19** in Omaha, NE for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Central National Bank offer?

Central National Bank offers the following mortgage loan types: Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Central National Bank offer mortgages?

Central National Bank offers mortgages in 4 states: IA, KS, MO, NE.

### How competitive are Central National Bank's mortgage rates?

Central National Bank has a pricing score of 79/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.171% above market average.

### What type of lender is Central National Bank?

Central National Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Junction City, KS.

### What is Central National Bank's loan approval success rate?

Central National Bank has a pull-through score of 57/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/central-national-bank

### How to Cite

> "Central National Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/central-national-bank

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