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First Mortgage Wholesale


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Offering a Range of Mortgage Loans in Houston.

Mortgage loans don’t have to be complicated. As the longest-serving independent bank in Houston, Central Bank takes pride in providing a wide range of mortgage products on our Wholesale and Mini-Correspondent channel that our friends and neighbors can trust. With competitive rates and underwriting carried out locally, from our banks in Houston, you can take comfort knowing you’ll have a thoughtful decision in no time. Our standing as a community bank means we regard you as more than a number. You are, first and foremost, our neighbor. Our financial experts work hard to develop lasting relationships with those we serve, and to provide a custom-tailored experience to meet their needs. From first mortgage portfolio loans, to home equity loans and everything in between, Central Bank is centered around you.


First Mortgage Portfolio Loan Highlights Include:

  • Wholesale/TPO/Broker and Correspondent Loans Available
  • 24- to 48-Hour Approvals for Borrowers Who Need to Close Quickly
  • Loans for Borrowers with High DTI, Waiting to Sell Their Current Residence
  • Loans for Borrowers Who Do Not meet secondary market guidelines
  • Loans for Borrowers Who Are Recently Retired and Have Liquidity
  • Foreign Nationals
  • Common Sense Underwriting for Loans Outside Of "Agency Guidelines"
  • Scenario Review and Credit Approvals to Purchasing Property
  • Jumbo Loans Up To $4 Million
  • Jumbo 50a6 Loans
  • Competitive Rates
  • Delayed Financing
  • 5- and 7-Year ARMS
Please Note: Certain restrictions apply. Rates, programs and guidelines are subject to change without notice, or at underwriter's discretion. Equal housing lender.

Other Available Programs for Wholesale Brokers:

  • ITIN Programs
  • 12- to 24-Month Bank Statements
  • 1099 Programs
  • Investor Cashflow
  • Conventional Down Payment Assistance Programs

Meet the Team Behind Our Wholesale and Mini-Correspondent Channel

Heather Manuel-Palomo
NMLS #289910
SVP, Mortgage Lending Manager

Latasha Flowers
NMLS #1816020
AVP, Mortgage Lending

Scott Goodell
NMLS #555037
Business Development Manager


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