Images registered to represent this landing page
  • Nick Cunningham NMLS476271
  • Metro Mortgage Loan Officer Manager - Gardner, KS
  • 913-856-3208
  • nickc@centralnational.com

Nick Cunningham started with Central National Bank in 2006 as a Mortgage Loan Originator. He is currently a Mortgage Loan Production Office Manager, overseeing other mortgage originators as well as actively originating mortgage loans himself, in our Gardner, Kansas branch. When Nick graduated from Ottawa University in 2003, he promptly entered the mortgage industry and found a passion for mortgage origination. Nick is very knowledgeable on Central National Bank’s products and services so he is able to assist his customers in making educated decisions.  He believes that the key to building new relationships, as well as maintaining current long-term connections, is exceptional customer service. Having the home buying process go as smooth as possible by keeping his customer and other parties updated throughout the loan process is something that Nick strives to do for every loan.

Nick has lived in Gardner, Kansas, and other areas of Johnson County, Kansas, his entire life. Only minutes from Kansas City, Gardner is a small but thriving town. Nick believes that it is important to be an active member of his community. He enjoys being a youth sports coach and being a member of the Gardner Edgerton High School Marketing/Finance Advisory board.

When Nick isn’t helping customers, he enjoys staying active with his wife and two children. They love swimming at the pool, boating on the lake, and playing sports such as basketball and golf.

We offer the following loan options for purchases and refinances

  • A variety of loan terms to fit your budget
  • Conventional and FHA-insured loans with low down payment options
  • VA-guaranteed loans to eligible veterans with no down payments
  • Ask about our 1-year rate lock program that is designed to help those building a new home take advantage of today's rates
  • HomeOne Loans - low down payment options for first-time homebuyers
  • Lender Paid Mortgage Insurance Loan Program - No borrower-paid mortgage insurance
  • Home Possible - this product has been recently enhanced to make home ownership possible to a wider variety of people, including low- and moderate-income individuals
  • Home Equity Lines of Credit (HELOCs)
  • Second Home Loans
  • Investment Property Loans
  • Cash-out equity refinances for various purposes including debt consolidation or any of life's unexpected expenses
  • No cash-out refinance options 
Central National Bank is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.

You can begin the pre-qualification process online anytime by clicking "Get Started"!

At any point, feel free to e-mail or call us regarding any questions you may have. You can find our contact information at the bottom of each page. We are here to personally help you through the entire home financing process.

Central National Bank
Call us|913-856-3208
NMLS|423495
205 N. Moonlight Rd Gardner KS 66030