Central National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Central National Bank 2003 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 National Bank 100 Rimrock Drive Junction City, KS 66441 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 | 4,774 |
| Total Mortgage Loan Application Amount | $499,756,000 |
| Average Mortgage Loan Application Amount | $221,833 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $52,500 |
| Highest Applicant Income | $1,200,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Central National 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 National Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Central National 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 National Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Central National 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 National Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Buffalo County Nebraska | 618 | $ 71,804,000 | $ 116,000 | $ 43,000 |
| Douglas County Nebraska | 381 | $ 45,266,000 | $ 118,000 | $ 84,000 |
| Shawnee County Kansas | 305 | $ 35,298,000 | $ 115,000 | $ 53,000 |
| Madison County Nebraska | 274 | $ 27,123,000 | $ 98,000 | $ 50,000 |
| Hall County Nebraska | 269 | $ 27,122,000 | $ 100,000 | $ 54,000 |
| Douglas County Kansas | 218 | $ 33,737,000 | $ 154,000 | $ 80,000 |
| Geary County Kansas | 210 | $ 18,100,000 | $ 86,000 | $ 48,000 |
| Lancaster County Nebraska | 201 | $ 23,846,000 | $ 118,000 | $ 88,000 |
| Harvey County Kansas | 167 | $ 13,759,000 | $ 82,000 | $ 45,000 |
| Sarpy County Nebraska | 137 | $ 18,674,000 | $ 136,000 | $ 86,000 |
| York County Nebraska | 125 | $ 11,694,000 | $ 93,000 | $ 51,000 |
| Keith County Nebraska | 116 | $ 10,321,000 | $ 88,000 | $ 67,000 |
| Seward County Nebraska | 115 | $ 13,065,000 | $ 113,000 | $ 62,000 |
| Sedgwick County Kansas | 102 | $ 12,928,000 | $ 126,000 | $ 57,000 |
| Red Willow County Nebraska | 97 | $ 7,229,000 | $ 74,000 | $ 54,000 |
| Marion County Kansas | 92 | $ 5,997,000 | $ 65,000 | $ 34,000 |
| Saline County Kansas | 81 | $ 7,994,000 | $ 98,000 | $ 58,000 |
| Platte County Nebraska | 67 | $ 6,455,000 | $ 96,000 | $ 66,000 |
| Dawson County Nebraska | 55 | $ 5,365,000 | $ 97,000 | $ 52,000 |
| Hamilton County Nebraska | 55 | $ 6,010,000 | $ 109,000 | $ 64,000 |
| Dickinson County Kansas | 54 | $ 3,190,000 | $ 59,000 | $ 43,000 |
| Adams County Nebraska | 54 | $ 5,145,000 | $ 95,000 | $ 65,000 |
| Fillmore County Nebraska | 52 | $ 3,835,000 | $ 73,000 | $ 53,000 |
| Cass County Nebraska | 48 | $ 5,784,000 | $ 120,000 | $ 71,000 |
| Butler County Nebraska | 43 | $ 3,521,000 | $ 81,000 | $ 62,000 |
| Pottawatomie County Kansas | 42 | $ 4,046,000 | $ 96,000 | $ 61,000 |
| Chase County Nebraska | 36 | $ 2,475,000 | $ 68,000 | $ 63,000 |
| Mitchell County Kansas | 35 | $ 2,126,000 | $ 60,000 | $ 55,000 |
| Perkins County Nebraska | 34 | $ 2,293,000 | $ 67,000 | $ 52,000 |
| Pottawattamie County Iowa | 32 | $ 3,630,000 | $ 113,000 | $ 80,000 |
| Lincoln County Nebraska | 32 | $ 2,555,000 | $ 79,000 | $ 66,000 |
| Howard County Nebraska | 31 | $ 2,925,000 | $ 94,000 | $ 54,000 |
| Wabaunsee County Kansas | 29 | $ 2,560,000 | $ 88,000 | $ 66,000 |
| Nuckolls County Nebraska | 28 | $ 1,705,000 | $ 60,000 | $ 43,000 |
| Kearney County Nebraska | 26 | $ 2,577,000 | $ 99,000 | $ 66,000 |
| Butler County Kansas | 24 | $ 2,644,000 | $ 110,000 | $ 60,000 |
| Pierce County Nebraska | 22 | $ 1,740,000 | $ 79,000 | $ 61,000 |
| Stanton County Nebraska | 22 | $ 1,586,000 | $ 72,000 | $ 53,000 |
| Jefferson County Kansas | 21 | $ 2,338,000 | $ 111,000 | $ 64,000 |
| Merrick County Nebraska | 19 | $ 1,382,000 | $ 72,000 | $ 60,000 |
| Polk County Nebraska | 19 | $ 1,739,000 | $ 91,000 | $ 60,000 |
| Wayne County Nebraska | 19 | $ 1,574,000 | $ 82,000 | $ 63,000 |
| McPherson County Kansas | 15 | $ 1,812,000 | $ 120,000 | $ 66,000 |
| Clay County Nebraska | 15 | $ 1,033,000 | $ 68,000 | $ 63,000 |
| Cedar County Nebraska | 14 | $ 990,000 | $ 70,000 | $ 44,000 |
| Washington County Nebraska | 14 | $ 1,508,000 | $ 107,000 | $ 90,000 |
| Boone County Nebraska | 13 | $ 1,434,000 | $ 110,000 | $ 73,000 |
| Johnson County Kansas | 12 | $ 2,022,000 | $ 168,000 | $ 97,000 |
| Phelps County Nebraska | 12 | $ 1,333,000 | $ 111,000 | $ 56,000 |
| Jewell County Kansas | 11 | $ 837,000 | $ 76,000 | $ 71,000 |
| Morris County Kansas | 11 | $ 567,000 | $ 51,000 | $ 40,000 |
| Riley County Kansas | 11 | $ 1,033,000 | $ 93,000 | $ 58,000 |
| Saunders County Nebraska | 10 | $ 1,125,000 | $ 112,000 | $ 151,000 |
| Reno County Kansas | 9 | $ 2,516,000 | $ 279,000 | $ 133,000 |
| Dodge County Nebraska | 9 | $ 807,000 | $ 89,000 | $ 61,000 |
| Nance County Nebraska | 9 | $ 584,000 | $ 64,000 | $ 53,000 |
| Larimer County Colorado | 8 | $ 1,254,000 | $ 156,000 | $ 71,000 |
| Colfax County Nebraska | 8 | $ 642,000 | $ 80,000 | $ 50,000 |
| Deuel County Nebraska | 8 | $ 780,000 | $ 97,000 | $ 63,000 |
| Scotts Bluff County Nebraska | 8 | $ 622,000 | $ 77,000 | $ 60,000 |
| Cuming County Nebraska | 7 | $ 522,000 | $ 74,000 | $ 49,000 |
| Gosper County Nebraska | 7 | $ 615,000 | $ 87,000 | $ 45,000 |
| Harrison County Iowa | 6 | $ 512,000 | $ 85,000 | $ 45,000 |
| Mills County Iowa | 6 | $ 646,000 | $ 107,000 | $ 57,000 |
| Clay County Kansas | 6 | $ 527,000 | $ 87,000 | $ 68,000 |
| Jackson County Kansas | 6 | $ 497,000 | $ 82,000 | $ 49,000 |
| Ottawa County Kansas | 6 | $ 474,000 | $ 79,000 | $ 50,000 |
| Antelope County Nebraska | 6 | $ 499,000 | $ 83,000 | $ 67,000 |
| Dakota County Nebraska | 6 | $ 517,000 | $ 86,000 | $ 67,000 |
| Furnas County Nebraska | 6 | $ 396,000 | $ 66,000 | $ 51,000 |
| Hitchcock County Nebraska | 6 | $ 372,000 | $ 62,000 | $ 39,000 |
| Sherman County Nebraska | 6 | $ 432,000 | $ 72,000 | $ 61,000 |
| Osage County Kansas | 5 | $ 574,000 | $ 114,000 | $ 104,000 |
| Smith County Kansas | 5 | $ 330,000 | $ 66,000 | $ 50,000 |
| Knox County Nebraska | 5 | $ 400,000 | $ 80,000 | $ 48,000 |
| Valley County Nebraska | 5 | $ 396,000 | $ 79,000 | $ 48,000 |
| Franklin County Kansas | 4 | $ 430,000 | $ 107,000 | $ 58,000 |
| Cheyenne County Nebraska | 4 | $ 284,000 | $ 71,000 | $ 59,000 |
| Custer County Nebraska | 4 | $ 501,000 | $ 125,000 | $ 65,000 |
| Garden County Nebraska | 4 | $ 303,000 | $ 75,000 | $ 40,000 |
| Osborne County Kansas | 3 | $ 176,000 | $ 58,000 | $ 40,000 |
| Harlan County Nebraska | 3 | $ 214,000 | $ 71,000 | $ 42,000 |
| Saline County Nebraska | 3 | $ 337,000 | $ 112,000 | $ 60,000 |
| Adams County Colorado | 2 | $ 264,000 | $ 132,000 | $ 87,000 |
| Sedgwick County Colorado | 2 | $ 151,000 | $ 75,000 | $ 49,000 |
| Polk County Iowa | 2 | $ 237,000 | $ 118,000 | $ 81,000 |
| Shelby County Iowa | 2 | $ 139,000 | $ 69,000 | $ 51,000 |
| Cloud County Kansas | 2 | $ 48,000 | $ 24,000 | $ 5,000 |
| Scott County Kansas | 2 | $ 143,000 | $ 71,000 | $ 39,000 |
| Sumner County Kansas | 2 | $ 292,000 | $ 146,000 | $ 71,000 |
| Cherry County Nebraska | 2 | $ 92,000 | $ 46,000 | $ 44,000 |
| Dundy County Nebraska | 2 | $ 112,000 | $ 56,000 | $ 62,000 |
| Frontier County Nebraska | 2 | $ 142,000 | $ 71,000 | $ 74,000 |
| Nemaha County Nebraska | 2 | $ 216,000 | $ 108,000 | $ 64,000 |
| Thayer County Nebraska | 2 | $ 143,000 | $ 71,000 | $ 58,000 |
| Thurston County Nebraska | 2 | $ 130,000 | $ 65,000 | $ 199,000 |
| Dallas County Iowa | 1 | $ 160,000 | $ 160,000 | $ 72,000 |
| Linn County Iowa | 1 | $ 70,000 | $ 70,000 | $ 44,000 |
| Monona County Iowa | 1 | $ 179,000 | $ 179,000 | $ 101,000 |
| Atchison County Kansas | 1 | $ 43,000 | $ 43,000 | $ 41,000 |
| Crawford County Kansas | 1 | $ 100,000 | $ 100,000 | $ 98,000 |
| Ellsworth County Kansas | 1 | $ 19,000 | $ 19,000 | $ 26,000 |
| Leavenworth County Kansas | 1 | $ 176,000 | $ 176,000 | $ 127,000 |
| Lyon County Kansas | 1 | $ 101,000 | $ 101,000 | $ 62,000 |
| Montgomery County Kansas | 1 | $ 10,000 | $ 10,000 | $ 63,000 |
| Nemaha County Kansas | 1 | $ 49,000 | $ 49,000 | $ 49,000 |
| Neosho County Kansas | 1 | $ 105,000 | $ 105,000 | $ 81,000 |
| Pratt County Kansas | 1 | $ 45,000 | $ 45,000 | $ 28,000 |
| Republic County Kansas | 1 | $ 49,000 | $ 49,000 | $ 20,000 |
| Thomas County Kansas | 1 | $ 208,000 | $ 208,000 | $ 380,000 |
| Burt County Nebraska | 1 | $ 35,000 | $ 35,000 | $ 66,000 |
| Franklin County Nebraska | 1 | $ 50,000 | $ 50,000 | $ 35,000 |
| Gage County Nebraska | 1 | $ 64,000 | $ 64,000 | $ 47,000 |
| Garfield County Nebraska | 1 | $ 152,000 | $ 152,000 | $ 59,000 |
| Greeley County Nebraska | 1 | $ 91,000 | $ 91,000 | $ 105,000 |
| Logan County Nebraska | 1 | $ 128,000 | $ 128,000 | $ 81,000 |
| Otoe County Nebraska | 1 | $ 175,000 | $ 175,000 | $ 83,000 |
| Sheridan County Nebraska | 1 | $ 65,000 | $ 65,000 | $ 63,000 |
| Webster County Nebraska | 1 | $ 84,000 | $ 84,000 | $ 62,000 |
| Santa Fe County New Mexico | 1 | $ 1,400,000 | $ 1,400,000 | $ 24,000 |
| Brown County South Dakota | 1 | $ 79,000 | $ 79,000 | $ 97,000 |
Mortgage Loan Application Detail Totals for Central National Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 3,687 | $383,118,000 | $323,000 | $1,400,000 | $65,833 | $600,000 |
| Home Purchase (one-to-four family) | 1,036 | $110,562,000 | $102,666 | $1,600,000 | $52,000 | $1,200,000 |
| Home Improvement (one-to-four family) | 37 | $547,000 | $11,000 | $264,000 | $39,500 | $182,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 14 | $5,529,000 | $394,000 | $1,350,000 | $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 | 4,602 | $480,541,000 | $322,333 | $1,600,000 | $63,000 | $1,200,000 |
| Hispanic | 57 | $4,837,000 | $83,500 | $237,000 | $49,000 | $124,000 |
| Black | 40 | $3,256,000 | $86,000 | $318,000 | $53,500 | $151,000 |
| Asian or Pacific Islander | 28 | $2,937,000 | $104,500 | $191,000 | $68,000 | $169,000 |
| Not applicable | 17 | $5,019,000 | $295,000 | $875,000 | $0 | $0 |
| Information not provided by applicant in mail or telephone application | 13 | $920,000 | $78,000 | $203,000 | $72,000 | $336,000 |
| Other | 10 | $1,466,000 | $150,000 | $275,000 | $75,000 | $126,000 |
| American Indian or Alaskan Native | 7 | $780,000 | $115,500 | $192,000 | $72,500 | $135,000 |
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) | 4,495 | $473,993,000 | $323,000 | $1,600,000 | $64,166 | $1,200,000 |
| VA-guaranteed (Veterans Administration) | 155 | $15,824,000 | $101,666 | $200,000 | $53,333 | $128,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 67 | $4,527,000 | $65,500 | $110,000 | $35,000 | $61,000 |
| FHA-insured (Federal Housing Administration) | 57 | $5,412,000 | $97,666 | $162,000 | $50,000 | $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 Purchased By The Institution | 2,422 | $253,305,000 | $138,750 | $323,000 | $79,000 | $600,000 |
| Loan Originated | 2,161 | $230,794,000 | $311,666 | $1,600,000 | $59,500 | $1,200,000 |
| Application Denied By Financial Institution | 136 | $10,707,000 | $78,500 | $450,000 | $55,500 | $336,000 |
| Application Approved But Not Accepted | 42 | $4,145,000 | $129,000 | $248,000 | $76,333 | $158,000 |
| Application Withdrawn By Applicant | 13 | $805,000 | $71,000 | $264,000 | $55,333 | $182,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 49 | $2,751,000 | $59,000 | $203,000 | $55,500 | $336,000 |
| Collateral | 27 | $2,037,000 | $90,000 | $230,000 | $63,500 | $132,000 |
| Debt-To-Income Ratio | 25 | $2,427,000 | $94,000 | $450,000 | $43,000 | $131,000 |
| Credit Application Incomplete | 21 | $2,077,000 | $163,500 | $402,000 | $67,500 | $195,000 |
| Other | 12 | $1,354,000 | $97,000 | $259,000 | $67,500 | $123,000 |
| Employment History | 2 | $61,000 | $30,000 | $49,000 | $21,000 | $34,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central National Bank's 2003 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 National 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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