Central Bank Mortgage Review 2026

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  • People who want a VA, USDA or FHA mortgage and live in the Midwest
  • People who prefer in-person support at a local branch 
  • First-time homebuyers who may qualify for the Home Turf Assistance Program

Central Bank doesn’t disclose specific requirements to qualify for a conventional mortgage. Typically, conventional mortgage applicants must meet minimum credit score of 620, show proof of stable income and have an acceptable debt-to-income ratio.

Central Bank logo

NMLS #407985

Central Bank has locations across the Midwest and allows homebuyers to access both conventional and government-backed home loan programs. It also offers a full suite of personal and business financial products, including deposit accounts, auto loans and personal loans.

You can apply for a Central Bank mortgage in several steps:

  1. Get prequalified. You can prequalify online and receive a prospective rate for your mortgage. 
  2. Provide documentation. Expect to supply proof of income and copies of your bank, brokerage and retirement account statements. 
  3. Submit your application. You can apply for a Central Bank mortgage online or go to a local branch to get the process started. 

Central Bank’s Home Turf Assistance Program offers a $1,500 to $5,000 lender credit for eligible first-time homebuyers.

Down Payment Or Closing Cost Assistance

Succeeded

The Consumer Financial Protection Bureau received no complaints regarding Central Bank’s mortgage products in 2025.

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology and maintain strict editorial standards and independence.

Selecting Mortgage Lenders
We selected the largest U.S. commercial banks by asset volume, according to the Federal Reserve, and analyzed Home Mortgage Disclosure Act data to identify the top direct-to-consumer mortgage originators by portfolio volume. Additional lenders were included based on their relevance to our users, using metrics like monthly search volume.

Rating Mortgage Lenders
U.S. News scores lenders based on multiple factors in three major categories – affordability, eligibility and customer service – identifying the highest overall performers. Factors are weighted based on a nationwide survey of consumers’ top considerations when choosing a home loan.

Collecting and Reviewing Data
U.S. News uses Home Mortgage Disclosure Act data for actual loan costs and terms, typically from the previous calendar year. We also gather information from lenders’ websites and conduct direct surveys to fill gaps. Clear, transparent website information benefits consumers. Lenders may update their offerings quarterly, so we fact-check our data each quarter for changes.

Check current rates

Payment Details

Monthly Payment Breakdown

Central Bank offers mortgage refinancing, home equity loans and home equity lines of credit. No major program details are disclosed on the website; homeowners are directed to fill out an inquiry form or contact a lending specialist.

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