Central Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Central Bank 2023 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 | 1,309 |
| Total Mortgage Loan Application Amount | $321,745,000 |
| Average Mortgage Loan Application Amount | $231,000 |
| Highest Mortgage Loan Application Amount | $21,605,000 |
| Average Applicant Income | $162,800 |
| Highest Applicant Income | $8,441,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 236 | $ 40,940,000 | $ 173,000 | $ 100,000 |
| Polk County Iowa | 173 | $ 39,505,000 | $ 228,000 | $ 157,000 |
| Buena Vista County Iowa | 116 | $ 14,670,000 | $ 126,000 | $ 104,000 |
| Minnehaha County South Dakota | 114 | $ 29,630,000 | $ 259,000 | $ 163,000 |
| Dickinson County Iowa | 94 | $ 29,750,000 | $ 316,000 | $ 204,000 |
| Cherokee County Iowa | 92 | $ 10,770,000 | $ 117,000 | $ 86,000 |
| Lincoln County South Dakota | 87 | $ 50,105,000 | $ 575,000 | $ 315,000 |
| Dallas County Iowa | 85 | $ 20,605,000 | $ 242,000 | $ 228,000 |
| Dakota County Nebraska | 47 | $ 7,785,000 | $ 165,000 | $ 81,000 |
| Union County South Dakota | 30 | $ 9,760,000 | $ 325,000 | $ 198,000 |
| Warren County Iowa | 24 | $ 6,010,000 | $ 250,000 | $ 128,000 |
| Brookings County South Dakota | 17 | $ 3,455,000 | $ 203,000 | $ 106,000 |
| Plymouth County Iowa | 13 | $ 2,745,000 | $ 211,000 | $ 97,000 |
| Clay County Iowa | 10 | $ 1,100,000 | $ 110,000 | $ 116,000 |
| Emmet County Iowa | 8 | $ 1,160,000 | $ 145,000 | $ 86,000 |
| Sac County Iowa | 8 | $ 730,000 | $ 91,000 | $ 56,000 |
| Ida County Iowa | 7 | $ 585,000 | $ 83,000 | $ 53,000 |
| Douglas County Nebraska | 7 | $ 2,045,000 | $ 292,000 | $ 114,000 |
| Maricopa County Arizona | 6 | $ 6,550,000 | $ 1,091,000 | $ 707,000 |
| Dixon County Nebraska | 6 | $ 1,260,000 | $ 210,000 | $ 115,000 |
| Turner County South Dakota | 6 | $ 1,240,000 | $ 206,000 | $ 136,000 |
| Guthrie County Iowa | 5 | $ 1,075,000 | $ 215,000 | $ 101,000 |
| Camden County Missouri | 5 | $ 1,905,000 | $ 381,000 | $ 332,000 |
| Denton County Texas | 5 | $ 1,295,000 | $ 259,000 | $ 0 |
| Monona County Iowa | 4 | $ 270,000 | $ 67,000 | $ 36,000 |
| Lake County South Dakota | 4 | $ 1,520,000 | $ 380,000 | $ 572,000 |
| Lee County Florida | 3 | $ 1,525,000 | $ 508,000 | $ 480,000 |
| Adair County Iowa | 3 | $ 665,000 | $ 221,000 | $ 91,000 |
| Madison County Iowa | 3 | $ 745,000 | $ 248,000 | $ 102,000 |
| O'Brien County Iowa | 3 | $ 115,000 | $ 38,000 | $ 37,000 |
| Pocahontas County Iowa | 3 | $ 385,000 | $ 128,000 | $ 115,000 |
| Story County Iowa | 3 | $ 445,000 | $ 148,000 | $ 125,000 |
| Jackson County Minnesota | 3 | $ 305,000 | $ 101,000 | $ 82,000 |
| Black Hawk County Iowa | 2 | $ 540,000 | $ 270,000 | $ 85,000 |
| Lyon County Iowa | 2 | $ 460,000 | $ 230,000 | $ 201,000 |
| Marion County Iowa | 2 | $ 30,000 | $ 15,000 | $ 66,000 |
| Palo Alto County Iowa | 2 | $ 150,000 | $ 75,000 | $ 94,000 |
| Johnson County Kansas | 2 | $ 440,000 | $ 220,000 | $ 153,000 |
| Berrien County Michigan | 2 | $ 1,110,000 | $ 555,000 | $ 1,119,000 |
| Carver County Minnesota | 2 | $ 830,000 | $ 415,000 | $ 177,000 |
| Clay County South Dakota | 2 | $ 320,000 | $ 160,000 | $ 42,000 |
| Custer County South Dakota | 2 | $ 1,030,000 | $ 515,000 | $ 88,000 |
| Lawrence County South Dakota | 2 | $ 800,000 | $ 400,000 | $ 211,000 |
| McCook County South Dakota | 2 | $ 260,000 | $ 130,000 | $ 135,000 |
| Pennington County South Dakota | 2 | $ 770,000 | $ 385,000 | $ 207,000 |
| Benton County Arkansas | 1 | $ 445,000 | $ 445,000 | $ 280,000 |
| Charlotte County Florida | 1 | $ 405,000 | $ 405,000 | $ 597,000 |
| Marion County Florida | 1 | $ 355,000 | $ 355,000 | $ 159,000 |
| Pinellas County Florida | 1 | $ 205,000 | $ 205,000 | $ 128,000 |
| Sarasota County Florida | 1 | $ 375,000 | $ 375,000 | $ 256,000 |
| Volusia County Florida | 1 | $ 275,000 | $ 275,000 | $ 825,000 |
| Forsyth County Georgia | 1 | $ 295,000 | $ 295,000 | $ 305,000 |
| Pulaski County Georgia | 1 | $ 135,000 | $ 135,000 | $ 127,000 |
| Carroll County Indiana | 1 | $ 175,000 | $ 175,000 | $ 122,000 |
| Boone County Iowa | 1 | $ 135,000 | $ 135,000 | $ 119,000 |
| Cass County Iowa | 1 | $ 65,000 | $ 65,000 | $ 205,000 |
| Clayton County Iowa | 1 | $ 245,000 | $ 245,000 | $ 60,000 |
| Decatur County Iowa | 1 | $ 105,000 | $ 105,000 | $ 134,000 |
| Greene County Iowa | 1 | $ 195,000 | $ 195,000 | $ 51,000 |
| Hamilton County Iowa | 1 | $ 85,000 | $ 85,000 | $ 32,000 |
| Johnson County Iowa | 1 | $ 375,000 | $ 375,000 | $ 161,000 |
| Jones County Iowa | 1 | $ 205,000 | $ 205,000 | $ 75,000 |
| Linn County Iowa | 1 | $ 12,325,000 | $ 12,325,000 | $ 0 |
| Osceola County Iowa | 1 | $ 25,000 | $ 25,000 | $ 139,000 |
| Pottawattamie County Iowa | 1 | $ 15,000 | $ 15,000 | $ 35,000 |
| Ringgold County Iowa | 1 | $ 255,000 | $ 255,000 | $ 300,000 |
| Scott County Iowa | 1 | $ 325,000 | $ 325,000 | $ 72,000 |
| Union County Iowa | 1 | $ 95,000 | $ 95,000 | $ 32,000 |
| Webster County Iowa | 1 | $ 125,000 | $ 125,000 | $ 83,000 |
| Muskegon County Michigan | 1 | $ 295,000 | $ 295,000 | $ 249,000 |
| Beltrami County Minnesota | 1 | $ 215,000 | $ 215,000 | $ 113,000 |
| Cottonwood County Minnesota | 1 | $ 135,000 | $ 135,000 | $ 49,000 |
| Dakota County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 53,000 |
| Hennepin County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
| Hubbard County Minnesota | 1 | $ 125,000 | $ 125,000 | $ 59,000 |
| Kandiyohi County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 214,000 |
| Otter Tail County Minnesota | 1 | $ 215,000 | $ 215,000 | $ 184,000 |
| Rice County Minnesota | 1 | $ 345,000 | $ 345,000 | $ 114,000 |
| Rock County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 158,000 |
| Scott County Minnesota | 1 | $ 585,000 | $ 585,000 | $ 255,000 |
| St. Louis County Minnesota | 1 | $ 605,000 | $ 605,000 | $ 330,000 |
| Cole County Missouri | 1 | $ 65,000 | $ 65,000 | $ 116,000 |
| Cedar County Nebraska | 1 | $ 75,000 | $ 75,000 | $ 63,000 |
| Sarpy County Nebraska | 1 | $ 485,000 | $ 485,000 | $ 200,000 |
| Thurston County Nebraska | 1 | $ 65,000 | $ 65,000 | $ 100,000 |
| Ocean County New Jersey | 1 | $ 495,000 | $ 495,000 | $ 527,000 |
| Cass County North Dakota | 1 | $ 425,000 | $ 425,000 | $ 336,000 |
| Charles Mix County South Dakota | 1 | $ 145,000 | $ 145,000 | $ 192,000 |
| Davison County South Dakota | 1 | $ 115,000 | $ 115,000 | $ 45,000 |
| Deuel County South Dakota | 1 | $ 505,000 | $ 505,000 | $ 560,000 |
| Hyde County South Dakota | 1 | $ 205,000 | $ 205,000 | $ 129,000 |
| Kingsbury County South Dakota | 1 | $ 225,000 | $ 225,000 | $ 107,000 |
| Meade County South Dakota | 1 | $ 25,000 | $ 25,000 | $ 124,000 |
| Moody County South Dakota | 1 | $ 75,000 | $ 75,000 | $ 51,000 |
| Spink County South Dakota | 1 | $ 15,000 | $ 15,000 | $ 95,000 |
| Yankton County South Dakota | 1 | $ 25,000 | $ 25,000 | $ 127,000 |
| Davidson County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 301,000 |
| Ellis County Texas | 1 | $ 705,000 | $ 705,000 | $ 298,000 |
| Salt Lake County Utah | 1 | $ 365,000 | $ 365,000 | $ 135,000 |
| Cowlitz County Washington | 1 | $ 145,000 | $ 145,000 | $ 28,000 |
Mortgage Loan Application Detail Totals for Central Bank in 2023
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 | 816 | $214,510,000 | $262,000 | $4,245,000 | $143,000 | $2,044,000 |
| Home Improvement | 158 | $12,850,000 | $81,000 | $705,000 | $183,000 | $8,441,000 |
| Other Purpose | 130 | $15,220,000 | $117,000 | $3,505,000 | $138,000 | $840,000 |
| Refinancing | 121 | $67,625,000 | $558,000 | $21,605,000 | $199,000 | $2,609,000 |
| Cash-out Refinancing | 84 | $11,540,000 | $137,000 | $995,000 | $151,000 | $1,181,000 |
| 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 | 942 | $215,240,000 | $228,000 | $4,245,000 | $162,000 | $8,441,000 |
| Hispanic | 160 | $23,690,000 | $148,000 | $935,000 | $76,000 | $510,000 |
| Not applicable | 125 | $63,445,000 | $507,000 | $21,605,000 | $0 | $0 |
| Not Provided | 34 | $7,630,000 | $224,000 | $1,355,000 | $195,000 | $1,300,000 |
| Black or African American | 22 | $4,770,000 | $216,000 | $705,000 | $124,000 | $449,000 |
| Asian | 20 | $5,700,000 | $285,000 | $855,000 | $287,000 | $2,609,000 |
| American Indian or Alaskan Native | 4 | $900,000 | $225,000 | $405,000 | $123,000 | $222,000 |
| 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) | 1,271 | $315,555,000 | $248,000 | $21,605,000 | $155,000 | $8,441,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $2,445,000 | $116,000 | $165,000 | $56,000 | $94,000 |
| FHA-insured (Federal Housing Administration) | 15 | $3,235,000 | $215,000 | $365,000 | $85,000 | $180,000 |
| VA-guaranteed (Veterans Administration) | 2 | $510,000 | $255,000 | $255,000 | $105,000 | $119,000 |
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 | 1,050 | $273,760,000 | $260,000 | $21,605,000 | $161,000 | $8,441,000 |
| Application Withdrawn By Applicant | 157 | $34,825,000 | $221,000 | $2,005,000 | $138,000 | $1,119,000 |
| Application Denied By Financial Institution | 80 | $8,950,000 | $111,000 | $545,000 | $77,000 | $247,000 |
| File Closed For Incompleteness | 13 | $3,245,000 | $249,000 | $865,000 | $205,000 | $426,000 |
| Application Approved But Not Accepted | 9 | $965,000 | $107,000 | $225,000 | $115,000 | $195,000 |
| 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 | 1,229 | $312,795,000 | $254,000 | $21,605,000 | $158,000 | $8,441,000 |
| Debt-To-Income Ratio | 40 | $5,350,000 | $133,000 | $545,000 | $65,000 | $165,000 |
| Credit History | 33 | $2,695,000 | $81,000 | $325,000 | $90,000 | $247,000 |
| Unverifiable Information | 3 | $445,000 | $148,000 | $155,000 | $71,000 | $91,000 |
| Employment History | 2 | $340,000 | $170,000 | $275,000 | $97,000 | $123,000 |
| Collateral | 2 | $120,000 | $60,000 | $65,000 | $102,000 | $104,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 2023 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.