Central Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Central Bank 2015 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Central Bank 600 Lake Avenue Storm Lake, IA 50588 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 693 |
| Total Mortgage Loan Application Amount | $109,681,000 |
| Average Mortgage Loan Application Amount | $130,333 |
| Highest Mortgage Loan Application Amount | $1,100,000 |
| Average Applicant Income | $85,000 |
| Highest Applicant Income | $1,274,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with Central Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Central Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down Central Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Central Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Central Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Central Bank's mortgage activity for 2015.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Woodbury County Iowa | 139 | $ 19,397,000 | $ 139,000 | $ 83,000 |
| Buena Vista County Iowa | 115 | $ 12,509,000 | $ 108,000 | $ 61,000 |
| Polk County Iowa | 111 | $ 17,223,000 | $ 155,000 | $ 89,000 |
| Dickinson County Iowa | 87 | $ 21,407,000 | $ 246,000 | $ 152,000 |
| Cherokee County Iowa | 79 | $ 6,788,000 | $ 85,000 | $ 55,000 |
| Union County South Dakota | 25 | $ 8,210,000 | $ 328,000 | $ 208,000 |
| Dallas County Iowa | 22 | $ 4,777,000 | $ 217,000 | $ 106,000 |
| Clay County Iowa | 11 | $ 1,378,000 | $ 125,000 | $ 61,000 |
| Dakota County Nebraska | 11 | $ 1,193,000 | $ 108,000 | $ 40,000 |
| Plymouth County Iowa | 9 | $ 1,593,000 | $ 177,000 | $ 94,000 |
| Maricopa County Arizona | 5 | $ 885,000 | $ 177,000 | $ 100,000 |
| Boone County Iowa | 4 | $ 297,000 | $ 74,000 | $ 46,000 |
| O'Brien County Iowa | 4 | $ 354,000 | $ 88,000 | $ 82,000 |
| Douglas County Nebraska | 4 | $ 792,000 | $ 198,000 | $ 119,000 |
| Emmet County Iowa | 3 | $ 130,000 | $ 43,000 | $ 22,000 |
| Ida County Iowa | 3 | $ 163,000 | $ 54,000 | $ 44,000 |
| Marion County Iowa | 3 | $ 442,000 | $ 147,000 | $ 198,000 |
| Pocahontas County Iowa | 3 | $ 352,000 | $ 117,000 | $ 47,000 |
| Pottawattamie County Iowa | 3 | $ 280,000 | $ 93,000 | $ 74,000 |
| Sac County Iowa | 3 | $ 278,000 | $ 92,000 | $ 50,000 |
| Warren County Iowa | 3 | $ 302,000 | $ 100,000 | $ 24,000 |
| Routt County Colorado | 2 | $ 704,000 | $ 352,000 | $ 443,000 |
| Charlotte County Florida | 2 | $ 914,000 | $ 457,000 | $ 210,000 |
| Collier County Florida | 2 | $ 253,000 | $ 126,000 | $ 135,000 |
| Cook County Illinois | 2 | $ 2,000,000 | $ 1,000,000 | $ 0 |
| Osceola County Iowa | 2 | $ 195,000 | $ 97,000 | $ 33,000 |
| Ringgold County Iowa | 2 | $ 330,000 | $ 165,000 | $ 100,000 |
| Story County Iowa | 2 | $ 304,000 | $ 152,000 | $ 123,000 |
| Webster County Iowa | 2 | $ 614,000 | $ 307,000 | $ 203,000 |
| Orange County California | 1 | $ 600,000 | $ 600,000 | $ 144,000 |
| Lee County Florida | 1 | $ 185,000 | $ 185,000 | $ 89,000 |
| Sumter County Florida | 1 | $ 191,000 | $ 191,000 | $ 90,000 |
| White County Indiana | 1 | $ 160,000 | $ 160,000 | $ 98,000 |
| Carroll County Iowa | 1 | $ 204,000 | $ 204,000 | $ 162,000 |
| Cass County Iowa | 1 | $ 57,000 | $ 57,000 | $ 37,000 |
| Delaware County Iowa | 1 | $ 356,000 | $ 356,000 | $ 219,000 |
| Franklin County Iowa | 1 | $ 38,000 | $ 38,000 | $ 35,000 |
| Grundy County Iowa | 1 | $ 94,000 | $ 94,000 | $ 45,000 |
| Guthrie County Iowa | 1 | $ 72,000 | $ 72,000 | $ 74,000 |
| Jasper County Iowa | 1 | $ 129,000 | $ 129,000 | $ 60,000 |
| Johnson County Iowa | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Kossuth County Iowa | 1 | $ 373,000 | $ 373,000 | $ 82,000 |
| Palo Alto County Iowa | 1 | $ 19,000 | $ 19,000 | $ 81,000 |
| Becker County Minnesota | 1 | $ 361,000 | $ 361,000 | $ 135,000 |
| Hennepin County Minnesota | 1 | $ 134,000 | $ 134,000 | $ 54,000 |
| Jackson County Minnesota | 1 | $ 64,000 | $ 64,000 | $ 27,000 |
| Murray County Minnesota | 1 | $ 150,000 | $ 150,000 | $ 120,000 |
| Miller County Missouri | 1 | $ 165,000 | $ 165,000 | $ 97,000 |
| Chase County Nebraska | 1 | $ 281,000 | $ 281,000 | $ 158,000 |
| Lancaster County Nebraska | 1 | $ 150,000 | $ 150,000 | $ 83,000 |
| Washington County Nebraska | 1 | $ 304,000 | $ 304,000 | $ 64,000 |
| Strafford County New Hampshire | 1 | $ 280,000 | $ 280,000 | $ 91,000 |
| Sandoval County New Mexico | 1 | $ 92,000 | $ 92,000 | $ 113,000 |
| Bon Homme County South Dakota | 1 | $ 52,000 | $ 52,000 | $ 37,000 |
| Lincoln County South Dakota | 1 | $ 166,000 | $ 166,000 | $ 56,000 |
| Minnehaha County South Dakota | 1 | $ 60,000 | $ 60,000 | $ 79,000 |
| Yankton County South Dakota | 1 | $ 140,000 | $ 140,000 | $ 67,000 |
| Snohomish County Washington | 1 | $ 194,000 | $ 194,000 | $ 0 |
| La Crosse County Wisconsin | 1 | $ 306,000 | $ 306,000 | $ 160,000 |
Mortgage Loan Application Detail Totals for Central Bank in 2015
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 415 | $72,154,000 | $173,000 | $1,100,000 | $95,000 | $1,274,000 |
| Refinancing | 244 | $34,948,000 | $143,000 | $880,000 | $88,000 | $605,000 |
| Home Improvement | 34 | $2,579,000 | $75,000 | $322,000 | $72,000 | $201,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 589 | $95,522,000 | $162,000 | $1,100,000 | $100,000 | $1,274,000 |
| Hispanic | 48 | $5,093,000 | $106,000 | $417,000 | $61,000 | $392,000 |
| Not applicable | 33 | $5,713,000 | $173,000 | $640,000 | $0 | $0 |
| Asian | 16 | $2,473,000 | $154,000 | $600,000 | $75,000 | $190,000 |
| Not Provided | 4 | $489,000 | $122,000 | $170,000 | $68,000 | $94,000 |
| Black or African American | 2 | $203,000 | $101,000 | $151,000 | $45,000 | $54,000 |
| American Indian or Alaskan Native | 1 | $188,000 | $188,000 | $188,000 | $114,000 | $114,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 648 | $105,813,000 | $163,000 | $1,100,000 | $95,000 | $1,274,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $3,228,000 | $82,000 | $148,000 | $42,000 | $83,000 |
| FHA-insured (Federal Housing Administration) | 5 | $509,000 | $101,000 | $163,000 | $51,000 | $105,000 |
| VA-guaranteed (Veterans Administration) | 1 | $131,000 | $131,000 | $131,000 | $41,000 | $41,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 565 | $91,272,000 | $161,000 | $1,100,000 | $92,000 | $1,274,000 |
| Application Withdrawn By Applicant | 66 | $10,455,000 | $158,000 | $700,000 | $101,000 | $688,000 |
| Application Denied By Financial Institution | 42 | $5,622,000 | $133,000 | $417,000 | $70,000 | $292,000 |
| Application Approved But Not Accepted | 14 | $1,932,000 | $138,000 | $295,000 | $96,000 | $354,000 |
| File Closed For Incompleteness | 6 | $400,000 | $66,000 | $138,000 | $51,000 | $83,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank's 2015 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Central Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Iowa, download the full spreadsheet
with aggregated HMDA statistics today.