Central Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Central Bank 2020 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 | 2,212 |
| Total Mortgage Loan Application Amount | $504,570,000 |
| Average Mortgage Loan Application Amount | $177,000 |
| Highest Mortgage Loan Application Amount | $8,405,000 |
| Average Applicant Income | $133,400 |
| Highest Applicant Income | $1,626,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 359 | $ 63,785,000 | $ 177,000 | $ 102,000 |
| Polk County Iowa | 294 | $ 77,610,000 | $ 263,000 | $ 121,000 |
| Dickinson County Iowa | 257 | $ 74,815,000 | $ 291,000 | $ 145,000 |
| Buena Vista County Iowa | 249 | $ 35,545,000 | $ 142,000 | $ 80,000 |
| Minnehaha County South Dakota | 136 | $ 32,900,000 | $ 241,000 | $ 121,000 |
| Dallas County Iowa | 135 | $ 38,695,000 | $ 286,000 | $ 153,000 |
| Cherokee County Iowa | 125 | $ 15,455,000 | $ 123,000 | $ 76,000 |
| Union County South Dakota | 116 | $ 35,270,000 | $ 304,000 | $ 200,000 |
| Lincoln County South Dakota | 89 | $ 30,085,000 | $ 338,000 | $ 158,000 |
| Dakota County Nebraska | 50 | $ 8,740,000 | $ 174,000 | $ 89,000 |
| Brookings County South Dakota | 44 | $ 6,970,000 | $ 158,000 | $ 93,000 |
| Plymouth County Iowa | 32 | $ 7,330,000 | $ 229,000 | $ 144,000 |
| Warren County Iowa | 26 | $ 7,760,000 | $ 298,000 | $ 108,000 |
| Sac County Iowa | 18 | $ 1,530,000 | $ 85,000 | $ 56,000 |
| Maricopa County Arizona | 16 | $ 5,110,000 | $ 319,000 | $ 198,000 |
| Clay County Iowa | 12 | $ 1,810,000 | $ 150,000 | $ 91,000 |
| Pocahontas County Iowa | 12 | $ 1,390,000 | $ 115,000 | $ 59,000 |
| Ida County Iowa | 10 | $ 1,590,000 | $ 159,000 | $ 111,000 |
| Douglas County Nebraska | 8 | $ 2,000,000 | $ 250,000 | $ 122,000 |
| Lake County South Dakota | 8 | $ 2,830,000 | $ 353,000 | $ 551,000 |
| Madison County Iowa | 7 | $ 1,645,000 | $ 235,000 | $ 104,000 |
| Emmet County Iowa | 6 | $ 620,000 | $ 103,000 | $ 60,000 |
| Monona County Iowa | 6 | $ 620,000 | $ 103,000 | $ 92,000 |
| Jackson County Minnesota | 6 | $ 910,000 | $ 151,000 | $ 54,000 |
| Guthrie County Iowa | 5 | $ 1,675,000 | $ 335,000 | $ 361,000 |
| Johnson County Iowa | 5 | $ 935,000 | $ 187,000 | $ 125,000 |
| Palo Alto County Iowa | 5 | $ 665,000 | $ 133,000 | $ 125,000 |
| Yankton County South Dakota | 5 | $ 1,165,000 | $ 233,000 | $ 162,000 |
| Charlotte County Florida | 4 | $ 910,000 | $ 227,000 | $ 129,000 |
| O'Brien County Iowa | 4 | $ 540,000 | $ 135,000 | $ 101,000 |
| Ringgold County Iowa | 4 | $ 1,620,000 | $ 405,000 | $ 509,000 |
| Hennepin County Minnesota | 4 | $ 1,410,000 | $ 352,000 | $ 261,000 |
| Hamlin County South Dakota | 4 | $ 950,000 | $ 237,000 | $ 325,000 |
| Turner County South Dakota | 4 | $ 1,380,000 | $ 345,000 | $ 145,000 |
| Clarke County Iowa | 3 | $ 945,000 | $ 315,000 | $ 192,000 |
| Story County Iowa | 3 | $ 1,065,000 | $ 355,000 | $ 452,000 |
| Rock County Minnesota | 3 | $ 625,000 | $ 208,000 | $ 62,000 |
| Camden County Missouri | 3 | $ 975,000 | $ 325,000 | $ 225,000 |
| Dixon County Nebraska | 3 | $ 475,000 | $ 158,000 | $ 92,000 |
| Lawrence County South Dakota | 3 | $ 925,000 | $ 308,000 | $ 281,000 |
| El Paso County Colorado | 2 | $ 510,000 | $ 255,000 | $ 273,000 |
| Lake County Florida | 2 | $ 500,000 | $ 250,000 | $ 148,000 |
| Palm Beach County Florida | 2 | $ 730,000 | $ 365,000 | $ 135,000 |
| DuPage County Illinois | 2 | $ 440,000 | $ 220,000 | $ 181,000 |
| Calhoun County Iowa | 2 | $ 140,000 | $ 70,000 | $ 93,000 |
| Cerro Gordo County Iowa | 2 | $ 550,000 | $ 275,000 | $ 250,000 |
| Kossuth County Iowa | 2 | $ 460,000 | $ 230,000 | $ 116,000 |
| Marion County Iowa | 2 | $ 700,000 | $ 350,000 | $ 461,000 |
| Marshall County Iowa | 2 | $ 440,000 | $ 220,000 | $ 189,000 |
| Poweshiek County Iowa | 2 | $ 370,000 | $ 185,000 | $ 79,000 |
| Webster County Iowa | 2 | $ 70,000 | $ 35,000 | $ 84,000 |
| Johnson County Kansas | 2 | $ 700,000 | $ 350,000 | $ 137,000 |
| Dakota County Minnesota | 2 | $ 530,000 | $ 265,000 | $ 144,000 |
| Freeborn County Minnesota | 2 | $ 150,000 | $ 75,000 | $ 43,000 |
| Ramsey County Minnesota | 2 | $ 650,000 | $ 325,000 | $ 220,000 |
| Sarpy County Nebraska | 2 | $ 370,000 | $ 185,000 | $ 103,000 |
| Montgomery County Pennsylvania | 2 | $ 430,000 | $ 215,000 | $ 171,000 |
| Clay County South Dakota | 2 | $ 360,000 | $ 180,000 | $ 107,000 |
| Davison County South Dakota | 2 | $ 480,000 | $ 240,000 | $ 141,000 |
| Deuel County South Dakota | 2 | $ 510,000 | $ 255,000 | $ 112,000 |
| Kingsbury County South Dakota | 2 | $ 340,000 | $ 170,000 | $ 95,000 |
| McCook County South Dakota | 2 | $ 780,000 | $ 390,000 | $ 117,000 |
| Tarrant County Texas | 2 | $ 780,000 | $ 390,000 | $ 119,000 |
| Baldwin County Alabama | 1 | $ 115,000 | $ 115,000 | $ 40,000 |
| Pima County Arizona | 1 | $ 515,000 | $ 515,000 | $ 216,000 |
| Pinal County Arizona | 1 | $ 335,000 | $ 335,000 | $ 196,000 |
| Washington County Arkansas | 1 | $ 155,000 | $ 155,000 | $ 96,000 |
| Riverside County California | 1 | $ 85,000 | $ 85,000 | $ 90,000 |
| Denver County Colorado | 1 | $ 515,000 | $ 515,000 | $ 213,000 |
| Douglas County Colorado | 1 | $ 515,000 | $ 515,000 | $ 295,000 |
| Larimer County Colorado | 1 | $ 255,000 | $ 255,000 | $ 36,000 |
| Teller County Colorado | 1 | $ 95,000 | $ 95,000 | $ 82,000 |
| Fairfield County Connecticut | 1 | $ 455,000 | $ 455,000 | $ 226,000 |
| Collier County Florida | 1 | $ 285,000 | $ 285,000 | $ 192,000 |
| Hillsborough County Florida | 1 | $ 165,000 | $ 165,000 | $ 90,000 |
| Lee County Florida | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Manatee County Florida | 1 | $ 145,000 | $ 145,000 | $ 108,000 |
| Nassau County Florida | 1 | $ 175,000 | $ 175,000 | $ 95,000 |
| Pasco County Florida | 1 | $ 185,000 | $ 185,000 | $ 90,000 |
| Sarasota County Florida | 1 | $ 225,000 | $ 225,000 | $ 125,000 |
| Sumter County Florida | 1 | $ 205,000 | $ 205,000 | $ 90,000 |
| Pulaski County Georgia | 1 | $ 165,000 | $ 165,000 | $ 105,000 |
| Lemhi County Idaho | 1 | $ 295,000 | $ 295,000 | $ 179,000 |
| Champaign County Illinois | 1 | $ 145,000 | $ 145,000 | $ 28,000 |
| Jefferson County Indiana | 1 | $ 175,000 | $ 175,000 | $ 162,000 |
| Appanoose County Iowa | 1 | $ 65,000 | $ 65,000 | $ 16,000 |
| Boone County Iowa | 1 | $ 205,000 | $ 205,000 | $ 99,000 |
| Crawford County Iowa | 1 | $ 85,000 | $ 85,000 | $ 54,000 |
| Franklin County Iowa | 1 | $ 195,000 | $ 195,000 | $ 67,000 |
| Hardin County Iowa | 1 | $ 45,000 | $ 45,000 | $ 46,000 |
| Harrison County Iowa | 1 | $ 85,000 | $ 85,000 | $ 79,000 |
| Jasper County Iowa | 1 | $ 185,000 | $ 185,000 | $ 11,000 |
| Jones County Iowa | 1 | $ 25,000 | $ 25,000 | $ 159,000 |
| Linn County Iowa | 1 | $ 195,000 | $ 195,000 | $ 70,000 |
| Lyon County Iowa | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Mahaska County Iowa | 1 | $ 365,000 | $ 365,000 | $ 360,000 |
| Mills County Iowa | 1 | $ 85,000 | $ 85,000 | $ 46,000 |
| Osceola County Iowa | 1 | $ 145,000 | $ 145,000 | $ 89,000 |
| Pottawattamie County Iowa | 1 | $ 175,000 | $ 175,000 | $ 59,000 |
| Scott County Iowa | 1 | $ 185,000 | $ 185,000 | $ 62,000 |
| Shelby County Iowa | 1 | $ 125,000 | $ 125,000 | $ 97,000 |
| Sioux County Iowa | 1 | $ 375,000 | $ 375,000 | $ 96,000 |
| Wright County Iowa | 1 | $ 155,000 | $ 155,000 | $ 95,000 |
| Sedgwick County Kansas | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Calloway County Kentucky | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Kent County Michigan | 1 | $ 205,000 | $ 205,000 | $ 224,000 |
| Missaukee County Michigan | 1 | $ 215,000 | $ 215,000 | $ 215,000 |
| Anoka County Minnesota | 1 | $ 275,000 | $ 275,000 | $ 217,000 |
| Crow Wing County Minnesota | 1 | $ 515,000 | $ 515,000 | $ 226,000 |
| Martin County Minnesota | 1 | $ 515,000 | $ 515,000 | $ 443,000 |
| Nobles County Minnesota | 1 | $ 35,000 | $ 35,000 | $ 50,000 |
| Otter Tail County Minnesota | 1 | $ 345,000 | $ 345,000 | $ 175,000 |
| Scott County Minnesota | 1 | $ 515,000 | $ 515,000 | $ 0 |
| St. Louis County Minnesota | 1 | $ 145,000 | $ 145,000 | $ 260,000 |
| Yellow Medicine County Minnesota | 1 | $ 65,000 | $ 65,000 | $ 58,000 |
| Gentry County Missouri | 1 | $ 85,000 | $ 85,000 | $ 25,000 |
| Greene County Missouri | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Jackson County Missouri | 1 | $ 385,000 | $ 385,000 | $ 169,000 |
| Johnson County Missouri | 1 | $ 175,000 | $ 175,000 | $ 81,000 |
| St. Louis County Missouri | 1 | $ 885,000 | $ 885,000 | $ 395,000 |
| Ravalli County Montana | 1 | $ 275,000 | $ 275,000 | $ 217,000 |
| Hamilton County Nebraska | 1 | $ 275,000 | $ 275,000 | $ 149,000 |
| Pierce County Nebraska | 1 | $ 285,000 | $ 285,000 | $ 360,000 |
| Red Willow County Nebraska | 1 | $ 255,000 | $ 255,000 | $ 298,000 |
| Saunders County Nebraska | 1 | $ 385,000 | $ 385,000 | $ 150,000 |
| Wayne County Nebraska | 1 | $ 145,000 | $ 145,000 | $ 89,000 |
| Clark County Nevada | 1 | $ 515,000 | $ 515,000 | $ 81,000 |
| Strafford County New Hampshire | 1 | $ 285,000 | $ 285,000 | $ 121,000 |
| Dutchess County New York | 1 | $ 285,000 | $ 285,000 | $ 134,000 |
| Forsyth County North Carolina | 1 | $ 445,000 | $ 445,000 | $ 90,000 |
| Iredell County North Carolina | 1 | $ 485,000 | $ 485,000 | $ 180,000 |
| Rutherford County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 120,000 |
| Bucks County Pennsylvania | 1 | $ 415,000 | $ 415,000 | $ 273,000 |
| Dauphin County Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 56,000 |
| Bon Homme County South Dakota | 1 | $ 105,000 | $ 105,000 | $ 432,000 |
| Codington County South Dakota | 1 | $ 255,000 | $ 255,000 | $ 78,000 |
| Meade County South Dakota | 1 | $ 55,000 | $ 55,000 | $ 158,000 |
| Moody County South Dakota | 1 | $ 155,000 | $ 155,000 | $ 72,000 |
| Pennington County South Dakota | 1 | $ 385,000 | $ 385,000 | $ 131,000 |
| Davidson County Tennessee | 1 | $ 315,000 | $ 315,000 | $ 51,000 |
| Dallas County Texas | 1 | $ 225,000 | $ 225,000 | $ 94,000 |
| Grayson County Texas | 1 | $ 315,000 | $ 315,000 | $ 77,000 |
| Washington County Utah | 1 | $ 1,505,000 | $ 1,505,000 | $ 1,009,000 |
| Hanover County Virginia | 1 | $ 285,000 | $ 285,000 | $ 80,000 |
| King William County Virginia | 1 | $ 345,000 | $ 345,000 | $ 137,000 |
| Sheridan County Wyoming | 1 | $ 785,000 | $ 785,000 | $ 297,000 |
Mortgage Loan Application Detail Totals for Central Bank in 2020
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,120 | $274,350,000 | $244,000 | $8,405,000 | $135,000 | $1,325,000 |
| Home Purchase | 751 | $164,215,000 | $218,000 | $4,155,000 | $109,000 | $975,000 |
| Cash-out Refinancing | 287 | $60,105,000 | $209,000 | $1,505,000 | $132,000 | $1,097,000 |
| Other Purpose | 32 | $3,750,000 | $117,000 | $515,000 | $120,000 | $831,000 |
| Home Improvement | 22 | $2,150,000 | $97,000 | $505,000 | $171,000 | $1,626,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,891 | $431,805,000 | $228,000 | $2,255,000 | $129,000 | $1,325,000 |
| Hispanic | 110 | $15,540,000 | $141,000 | $465,000 | $68,000 | $410,000 |
| Not applicable | 97 | $35,225,000 | $363,000 | $8,405,000 | $0 | $0 |
| Not Provided | 47 | $9,445,000 | $200,000 | $515,000 | $149,000 | $468,000 |
| Asian | 41 | $8,115,000 | $197,000 | $1,505,000 | $136,000 | $1,626,000 |
| Black or African American | 14 | $2,170,000 | $155,000 | $455,000 | $74,000 | $226,000 |
| American Indian or Alaskan Native | 7 | $1,335,000 | $190,000 | $325,000 | $167,000 | $750,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $230,000 | $115,000 | $135,000 | $42,000 | $42,000 |
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) | 2,131 | $495,555,000 | $232,000 | $8,405,000 | $129,000 | $1,626,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 72 | $7,340,000 | $101,000 | $215,000 | $44,000 | $107,000 |
| FHA-insured (Federal Housing Administration) | 7 | $1,355,000 | $193,000 | $385,000 | $73,000 | $128,000 |
| VA-guaranteed (Veterans Administration) | 2 | $320,000 | $160,000 | $175,000 | $64,000 | $70,000 |
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 | 1,932 | $441,660,000 | $228,000 | $8,405,000 | $126,000 | $1,626,000 |
| Application Withdrawn By Applicant | 195 | $45,645,000 | $234,000 | $1,205,000 | $136,000 | $780,000 |
| Application Denied By Financial Institution | 72 | $14,040,000 | $195,000 | $1,145,000 | $85,000 | $376,000 |
| Application Approved But Not Accepted | 7 | $1,465,000 | $209,000 | $465,000 | $134,000 | $273,000 |
| File Closed For Incompleteness | 6 | $1,760,000 | $293,000 | $385,000 | $165,000 | $219,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,140 | $490,530,000 | $229,000 | $8,405,000 | $127,000 | $1,626,000 |
| Credit History | 33 | $4,775,000 | $144,000 | $515,000 | $87,000 | $376,000 |
| Debt-To-Income Ratio | 30 | $7,740,000 | $258,000 | $1,145,000 | $86,000 | $262,000 |
| Collateral | 8 | $1,370,000 | $171,000 | $325,000 | $78,000 | $129,000 |
| Unverifiable Information | 1 | $155,000 | $155,000 | $155,000 | $42,000 | $42,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank's 2020 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.
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