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Central National Bank

Bank•Junction City, KSHQ•Direct•Reviews near you on Google

Central National Bank has 164 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · VA
Place
Sound
3/5
Regional · 4 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees

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Report Card

Central National Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+17.1 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 5 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Strong
Volume138
Mix84.1%
Spread
+0.186%Above
Fees
$769Fees
VA Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Exceptional
Volume20
Mix12.2%
Spread
-0.125%Below
Fees
$1,230Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume144
Mix87.8%
Spread
+0.163%Above
Fees
$723Fees
Refinance
Overall
Sound
Product
Acceptable
Pricing
Strong
Pull Through
Sound
Volume20
Mix12.2%
Spread
+0.224%Above
Fees
$1,196Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
164
Applications
221
Volume
$38 million
Pricing & Closing
Avg Rate Spread
+0.171%
vs. market APOR
Avg Net Fees
$788
Origination − Credits
Pullthrough Rate
74.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$236,220
Avg Borrower Income
$129,835
Avg Property Value
$311,098

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

4
4 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest4
IAKSMONE

Top Metro Areas by Place Specialization Score

1© No machine-readable author provided. Kzollman assumed · CC BY-SA 3.0
Manhattan, KSMetro
Volume 38Mix 23.17% of portfolio
74/100
Strong
2© w_lemay · CC BY-SA 2.0
Topeka, KSMetro
Volume 23Mix 14.02% of portfolio
59/100
Sound
3© Katrina Wiese · CC BY-SA 2.0
Omaha, NE, NE-IAMetro
Volume 29Mix 17.68% of portfolio
59/100
Sound
4© Lasse Fuss · CC BY-SA 3.0
Kansas City, MO, MO-KSMetro
Volume 10Mix 6.10% of portfolio
43/100
Sound

Top States by Place Specialization Score

Kansas
Kansas
1
KansasState
Volume 118Mix 71.95% of portfolio
78/100
Strong
Nebraska
Nebraska
2
NebraskaState
Volume 44Mix 26.83% of portfolio
62/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.