Central State Bank
Central State Bank received 39 applications in 2025 and made 32 mortgages, in 11 counties across 5 states. The median rate its borrowers got was Not published on a median loan of $230,000. Of 35 decisions, 0 were denials — 0.0%.
| Legal Entity Identifier | 549300QJ1W5RNY1X4D75 |
|---|---|
| Applications received | 39 |
| Mortgages made | 32 |
| Denied | 0 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 4 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Central State Bank, 7 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 15 | Not published | $405,000 | 0.0% |
| Refinancing | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 8 | Under 10 loans | Under 10 loans | 0.0% |
Where Central State Bank lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Clayton County, IA | 12 | Not published | 0.0% |
| Johnson County, IA | 10 | Not published | 0.0% |
| Linn County, IA | 2 | Under 10 loans | 0.0% |
| Placer County, CA | 1 | Under 10 loans | 0.0% |
| Broward County, FL | 1 | Under 10 loans | 0.0% |
| Osceola County, FL | 1 | Under 10 loans | 0.0% |
| Cedar County, IA | 1 | Under 10 loans | 0.0% |
| Delaware County, IA | 1 | Under 10 loans | 0.0% |
| Dubuque County, IA | 1 | Under 10 loans | 0.0% |
| Camden County, MO | 1 | Under 10 loans | 0.0% |
| Crawford County, WI | 1 | Under 10 loans | 0.0% |
Get told when this changes
When Central State Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.