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 score and performance metrics.

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 an overall pricing score of 79.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Central National Bank?

Central National Bank is a Bank headquartered in Junction City, KS.

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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.

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

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

Central National Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+17.1 bps above market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

138 loans · 0.19% above market

Sound

Top 60% of lenders

3/5

20 loans · 0.13% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

144 loans · 0.16% above market

Sound

Top 60% of lenders

3/5

Refinance

20 loans · 0.22% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 5 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Exceptional	Strong	138	84.1%	+0.186%Above	$769Fees
VA Loans	Strong	Strong	—	Exceptional	20	12.2%	-0.125%Below	$1,230Fees

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

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Strong	Sound	144	87.8%	+0.163%Above	$723Fees
Refinance	Sound	Acceptable	Strong	Sound	20	12.2%	+0.224%Above	$1,196Fees

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

4Full-year 2024 · HMDA

Loans originated

< 5050+None

Midwest4

IAKSMONE

Top Metro Areas by Place Specialization Score

Manhattan, KSMetro

Volume 38Mix 23.17% of portfolio

74/100

Strong

Topeka, KSMetro

Volume 23Mix 14.02% of portfolio

59/100

Sound

Omaha, NE, NE-IAMetro

Volume 29Mix 17.68% of portfolio

59/100

Sound

Kansas City, MO, MO-KSMetro

Volume 10Mix 6.10% of portfolio

43/100

Sound

Top States by Place Specialization Score

KansasState

Volume 118Mix 71.95% of portfolio

78/100

Strong

NebraskaState

Volume 44Mix 26.83% of portfolio

62/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.