Central Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Central Bank 2021 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 | 1,730 |
| Total Mortgage Loan Application Amount | $459,200,000 |
| Average Mortgage Loan Application Amount | $189,600 |
| Highest Mortgage Loan Application Amount | $18,565,000 |
| Average Applicant Income | $113,600 |
| Highest Applicant Income | $2,160,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 287 | $ 49,795,000 | $ 173,000 | $ 87,000 |
| Polk County Iowa | 244 | $ 77,970,000 | $ 319,000 | $ 127,000 |
| Buena Vista County Iowa | 210 | $ 32,670,000 | $ 155,000 | $ 81,000 |
| Dickinson County Iowa | 150 | $ 44,440,000 | $ 296,000 | $ 140,000 |
| Cherokee County Iowa | 126 | $ 13,390,000 | $ 106,000 | $ 68,000 |
| Dallas County Iowa | 111 | $ 32,345,000 | $ 291,000 | $ 143,000 |
| Minnehaha County South Dakota | 111 | $ 29,905,000 | $ 269,000 | $ 116,000 |
| Union County South Dakota | 65 | $ 21,685,000 | $ 333,000 | $ 184,000 |
| Lincoln County South Dakota | 62 | $ 60,990,000 | $ 983,000 | $ 178,000 |
| Brookings County South Dakota | 33 | $ 6,785,000 | $ 205,000 | $ 107,000 |
| Dakota County Nebraska | 27 | $ 4,655,000 | $ 172,000 | $ 85,000 |
| Plymouth County Iowa | 26 | $ 6,300,000 | $ 242,000 | $ 129,000 |
| Warren County Iowa | 21 | $ 6,865,000 | $ 326,000 | $ 120,000 |
| Clay County Iowa | 14 | $ 2,230,000 | $ 159,000 | $ 88,000 |
| Sac County Iowa | 12 | $ 1,240,000 | $ 103,000 | $ 60,000 |
| O'Brien County Iowa | 10 | $ 1,460,000 | $ 146,000 | $ 79,000 |
| Emmet County Iowa | 9 | $ 1,205,000 | $ 133,000 | $ 97,000 |
| Madison County Iowa | 9 | $ 3,265,000 | $ 362,000 | $ 128,000 |
| Douglas County Nebraska | 9 | $ 2,245,000 | $ 249,000 | $ 197,000 |
| Story County Iowa | 8 | $ 1,540,000 | $ 192,000 | $ 110,000 |
| Dixon County Nebraska | 8 | $ 1,250,000 | $ 156,000 | $ 79,000 |
| Guthrie County Iowa | 7 | $ 1,555,000 | $ 222,000 | $ 106,000 |
| Ida County Iowa | 7 | $ 865,000 | $ 123,000 | $ 69,000 |
| Osceola County Iowa | 5 | $ 565,000 | $ 113,000 | $ 70,000 |
| Lake County South Dakota | 5 | $ 2,025,000 | $ 405,000 | $ 271,000 |
| Jasper County Iowa | 4 | $ 970,000 | $ 242,000 | $ 99,000 |
| Palo Alto County Iowa | 4 | $ 610,000 | $ 152,000 | $ 99,000 |
| Pocahontas County Iowa | 4 | $ 340,000 | $ 85,000 | $ 58,000 |
| Brown County South Dakota | 4 | $ 10,120,000 | $ 2,530,000 | $ 0 |
| Yankton County South Dakota | 4 | $ 1,010,000 | $ 252,000 | $ 211,000 |
| Maricopa County Arizona | 3 | $ 715,000 | $ 238,000 | $ 68,000 |
| Charlotte County Florida | 3 | $ 795,000 | $ 265,000 | $ 159,000 |
| Lee County Florida | 3 | $ 1,245,000 | $ 415,000 | $ 641,000 |
| Manatee County Florida | 3 | $ 1,795,000 | $ 598,000 | $ 231,000 |
| Palm Beach County Florida | 3 | $ 1,195,000 | $ 398,000 | $ 361,000 |
| Black Hawk County Iowa | 3 | $ 655,000 | $ 218,000 | $ 69,000 |
| Boone County Iowa | 3 | $ 785,000 | $ 261,000 | $ 100,000 |
| Kossuth County Iowa | 3 | $ 375,000 | $ 125,000 | $ 49,000 |
| Ringgold County Iowa | 3 | $ 915,000 | $ 305,000 | $ 295,000 |
| Jackson County Minnesota | 3 | $ 255,000 | $ 85,000 | $ 80,000 |
| Clay County South Dakota | 3 | $ 445,000 | $ 148,000 | $ 61,000 |
| Kingsbury County South Dakota | 3 | $ 425,000 | $ 141,000 | $ 91,000 |
| Moody County South Dakota | 3 | $ 705,000 | $ 235,000 | $ 66,000 |
| Turner County South Dakota | 3 | $ 585,000 | $ 195,000 | $ 209,000 |
| Denver County Colorado | 2 | $ 480,000 | $ 240,000 | $ 189,000 |
| Collier County Florida | 2 | $ 790,000 | $ 395,000 | $ 345,000 |
| Calhoun County Iowa | 2 | $ 240,000 | $ 120,000 | $ 80,000 |
| Cerro Gordo County Iowa | 2 | $ 650,000 | $ 325,000 | $ 162,000 |
| Des Moines County Iowa | 2 | $ 180,000 | $ 90,000 | $ 25,000 |
| Johnson County Iowa | 2 | $ 550,000 | $ 275,000 | $ 487,000 |
| Linn County Iowa | 2 | $ 710,000 | $ 355,000 | $ 150,000 |
| Monona County Iowa | 2 | $ 200,000 | $ 100,000 | $ 81,000 |
| Sioux County Iowa | 2 | $ 400,000 | $ 200,000 | $ 221,000 |
| Ramsey County Minnesota | 2 | $ 390,000 | $ 195,000 | $ 105,000 |
| Scott County Minnesota | 2 | $ 460,000 | $ 230,000 | $ 115,000 |
| Camden County Missouri | 2 | $ 750,000 | $ 375,000 | $ 312,000 |
| Jackson County Missouri | 2 | $ 270,000 | $ 135,000 | $ 124,000 |
| Sarpy County Nebraska | 2 | $ 600,000 | $ 300,000 | $ 163,000 |
| Hamlin County South Dakota | 2 | $ 840,000 | $ 420,000 | $ 117,000 |
| Lawrence County South Dakota | 2 | $ 970,000 | $ 485,000 | $ 370,000 |
| Pinal County Arizona | 1 | $ 165,000 | $ 165,000 | $ 75,000 |
| Washington County Arkansas | 1 | $ 325,000 | $ 325,000 | $ 119,000 |
| Monterey County California | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Riverside County California | 1 | $ 145,000 | $ 145,000 | $ 156,000 |
| San Diego County California | 1 | $ 1,445,000 | $ 1,445,000 | $ 508,000 |
| Douglas County Colorado | 1 | $ 385,000 | $ 385,000 | $ 79,000 |
| Martin County Florida | 1 | $ 2,505,000 | $ 2,505,000 | $ 2,160,000 |
| Sarasota County Florida | 1 | $ 305,000 | $ 305,000 | $ 93,000 |
| Sumter County Florida | 1 | $ 165,000 | $ 165,000 | $ 89,000 |
| Bartow County Georgia | 1 | $ 1,505,000 | $ 1,505,000 | $ 269,000 |
| Pulaski County Georgia | 1 | $ 65,000 | $ 65,000 | $ 130,000 |
| Cook County Illinois | 1 | $ 455,000 | $ 455,000 | $ 290,000 |
| DuPage County Illinois | 1 | $ 535,000 | $ 535,000 | $ 184,000 |
| Peoria County Illinois | 1 | $ 5,000 | $ 5,000 | $ 178,000 |
| Adair County Iowa | 1 | $ 165,000 | $ 165,000 | $ 52,000 |
| Carroll County Iowa | 1 | $ 85,000 | $ 85,000 | $ 21,000 |
| Clarke County Iowa | 1 | $ 385,000 | $ 385,000 | $ 276,000 |
| Clayton County Iowa | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| Crawford County Iowa | 1 | $ 35,000 | $ 35,000 | $ 20,000 |
| Delaware County Iowa | 1 | $ 65,000 | $ 65,000 | $ 71,000 |
| Greene County Iowa | 1 | $ 135,000 | $ 135,000 | $ 56,000 |
| Marion County Iowa | 1 | $ 155,000 | $ 155,000 | $ 49,000 |
| Marshall County Iowa | 1 | $ 285,000 | $ 285,000 | $ 334,000 |
| Scott County Iowa | 1 | $ 205,000 | $ 205,000 | $ 89,000 |
| Wapello County Iowa | 1 | $ 245,000 | $ 245,000 | $ 120,000 |
| Wright County Iowa | 1 | $ 295,000 | $ 295,000 | $ 223,000 |
| Johnson County Kansas | 1 | $ 195,000 | $ 195,000 | $ 90,000 |
| Wayne County Michigan | 1 | $ 485,000 | $ 485,000 | $ 274,000 |
| Cass County Minnesota | 1 | $ 25,000 | $ 25,000 | $ 169,000 |
| Crow Wing County Minnesota | 1 | $ 175,000 | $ 175,000 | $ 115,000 |
| Dakota County Minnesota | 1 | $ 205,000 | $ 205,000 | $ 107,000 |
| Dodge County Minnesota | 1 | $ 545,000 | $ 545,000 | $ 315,000 |
| Hubbard County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 45,000 |
| Kandiyohi County Minnesota | 1 | $ 545,000 | $ 545,000 | $ 404,000 |
| Lyon County Minnesota | 1 | $ 85,000 | $ 85,000 | $ 1,035,000 |
| Martin County Minnesota | 1 | $ 135,000 | $ 135,000 | $ 31,000 |
| Nicollet County Minnesota | 1 | $ 145,000 | $ 145,000 | $ 55,000 |
| Nobles County Minnesota | 1 | $ 135,000 | $ 135,000 | $ 56,000 |
| Rock County Minnesota | 1 | $ 185,000 | $ 185,000 | $ 121,000 |
| Clay County Missouri | 1 | $ 305,000 | $ 305,000 | $ 115,000 |
| Johnson County Missouri | 1 | $ 405,000 | $ 405,000 | $ 136,000 |
| Putnam County Missouri | 1 | $ 305,000 | $ 305,000 | $ 181,000 |
| St. Louis County Missouri | 1 | $ 535,000 | $ 535,000 | $ 214,000 |
| Lancaster County Nebraska | 1 | $ 215,000 | $ 215,000 | $ 354,000 |
| Madison County Nebraska | 1 | $ 185,000 | $ 185,000 | $ 110,000 |
| Thurston County Nebraska | 1 | $ 145,000 | $ 145,000 | $ 72,000 |
| Washington County Nebraska | 1 | $ 255,000 | $ 255,000 | $ 95,000 |
| Iredell County North Carolina | 1 | $ 545,000 | $ 545,000 | $ 180,000 |
| Tulsa County Oklahoma | 1 | $ 225,000 | $ 225,000 | $ 96,000 |
| Dauphin County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Montgomery County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 188,000 |
| Hand County South Dakota | 1 | $ 105,000 | $ 105,000 | $ 77,000 |
| McCook County South Dakota | 1 | $ 325,000 | $ 325,000 | $ 126,000 |
| Bexar County Texas | 1 | $ 145,000 | $ 145,000 | $ 261,000 |
| Denton County Texas | 1 | $ 815,000 | $ 815,000 | $ 676,000 |
| Palo Pinto County Texas | 1 | $ 135,000 | $ 135,000 | $ 240,000 |
| Loudoun County Virginia | 1 | $ 445,000 | $ 445,000 | $ 134,000 |
| Prince William County Virginia | 1 | $ 175,000 | $ 175,000 | $ 33,000 |
| Brown County Wisconsin | 1 | $ 325,000 | $ 325,000 | $ 264,000 |
| Sheridan County Wyoming | 1 | $ 545,000 | $ 545,000 | $ 297,000 |
Mortgage Loan Application Detail Totals for Central Bank in 2021
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 | 884 | $239,470,000 | $270,000 | $18,565,000 | $115,000 | $2,160,000 |
| Refinancing | 546 | $170,540,000 | $312,000 | $9,105,000 | $130,000 | $1,176,000 |
| Cash-out Refinancing | 226 | $42,350,000 | $187,000 | $1,505,000 | $107,000 | $530,000 |
| Other Purpose | 41 | $4,605,000 | $112,000 | $385,000 | $128,000 | $604,000 |
| Home Improvement | 33 | $2,235,000 | $67,000 | $505,000 | $88,000 | $177,000 |
| 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 | 1,400 | $320,160,000 | $228,000 | $2,505,000 | $124,000 | $2,160,000 |
| Hispanic | 129 | $17,665,000 | $136,000 | $385,000 | $84,000 | $2,136,000 |
| Not applicable | 86 | $97,110,000 | $1,129,000 | $18,565,000 | $0 | $0 |
| Asian | 51 | $11,265,000 | $220,000 | $1,445,000 | $93,000 | $508,000 |
| Black or African American | 24 | $3,720,000 | $155,000 | $335,000 | $57,000 | $142,000 |
| Not Provided | 24 | $5,520,000 | $230,000 | $1,185,000 | $105,000 | $337,000 |
| American Indian or Alaskan Native | 11 | $1,815,000 | $165,000 | $545,000 | $76,000 | $154,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $180,000 | $90,000 | $165,000 | $59,000 | $82,000 |
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) | 1,644 | $447,670,000 | $272,000 | $18,565,000 | $122,000 | $2,160,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 66 | $8,040,000 | $121,000 | $285,000 | $50,000 | $96,000 |
| FHA-insured (Federal Housing Administration) | 17 | $2,875,000 | $169,000 | $275,000 | $74,000 | $147,000 |
| VA-guaranteed (Veterans Administration) | 3 | $615,000 | $205,000 | $265,000 | $156,000 | $340,000 |
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 | 1,462 | $387,770,000 | $265,000 | $18,565,000 | $121,000 | $2,160,000 |
| Application Withdrawn By Applicant | 172 | $38,540,000 | $224,000 | $935,000 | $127,000 | $2,136,000 |
| Application Denied By Financial Institution | 73 | $12,395,000 | $169,000 | $935,000 | $64,000 | $198,000 |
| Application Approved But Not Accepted | 13 | $18,155,000 | $1,396,000 | $9,105,000 | $75,000 | $134,000 |
| File Closed For Incompleteness | 10 | $2,340,000 | $234,000 | $515,000 | $126,000 | $237,000 |
| 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 | 1,657 | $446,805,000 | $269,000 | $18,565,000 | $121,000 | $2,160,000 |
| Credit History | 40 | $5,200,000 | $130,000 | $355,000 | $62,000 | $198,000 |
| Debt-To-Income Ratio | 27 | $6,125,000 | $226,000 | $935,000 | $65,000 | $178,000 |
| Collateral | 5 | $1,005,000 | $201,000 | $485,000 | $82,000 | $194,000 |
| Employment History | 1 | $65,000 | $65,000 | $65,000 | $29,000 | $29,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2021 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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with aggregated HMDA statistics today.