Central National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Central National Bank 2004 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 | 1,707 |
| Total Mortgage Loan Application Amount | $182,591,000 |
| Average Mortgage Loan Application Amount | $117,083 |
| Highest Mortgage Loan Application Amount | $1,612,000 |
| Average Applicant Income | $80,750 |
| Highest Applicant Income | $1,681,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 161 | $ 20,747,000 | $ 128,000 | $ 71,000 |
| Geary County Kansas | 119 | $ 9,986,000 | $ 83,000 | $ 52,000 |
| Shawnee County Kansas | 107 | $ 11,505,000 | $ 107,000 | $ 60,000 |
| Douglas County Nebraska | 105 | $ 12,968,000 | $ 123,000 | $ 68,000 |
| Madison County Nebraska | 90 | $ 10,534,000 | $ 117,000 | $ 66,000 |
| Douglas County Kansas | 89 | $ 15,047,000 | $ 169,000 | $ 82,000 |
| Marion County Kansas | 81 | $ 5,977,000 | $ 73,000 | $ 105,000 |
| Hall County Nebraska | 80 | $ 8,253,000 | $ 103,000 | $ 79,000 |
| Harvey County Kansas | 77 | $ 7,049,000 | $ 91,000 | $ 47,000 |
| Keith County Nebraska | 68 | $ 6,201,000 | $ 91,000 | $ 57,000 |
| Sedgwick County Kansas | 46 | $ 9,619,000 | $ 209,000 | $ 55,000 |
| Dickinson County Kansas | 44 | $ 2,794,000 | $ 63,000 | $ 54,000 |
| Red Willow County Nebraska | 38 | $ 3,227,000 | $ 84,000 | $ 79,000 |
| Lancaster County Nebraska | 36 | $ 4,607,000 | $ 127,000 | $ 83,000 |
| Lincoln County Nebraska | 32 | $ 2,809,000 | $ 87,000 | $ 53,000 |
| Saline County Kansas | 30 | $ 4,088,000 | $ 136,000 | $ 55,000 |
| Sarpy County Nebraska | 27 | $ 3,834,000 | $ 142,000 | $ 75,000 |
| Dawson County Nebraska | 23 | $ 2,414,000 | $ 104,000 | $ 51,000 |
| Pottawatomie County Kansas | 22 | $ 2,495,000 | $ 113,000 | $ 70,000 |
| Platte County Nebraska | 19 | $ 1,810,000 | $ 95,000 | $ 49,000 |
| McPherson County Kansas | 16 | $ 1,039,000 | $ 64,000 | $ 38,000 |
| Fillmore County Nebraska | 16 | $ 1,206,000 | $ 75,000 | $ 56,000 |
| Pierce County Nebraska | 16 | $ 1,690,000 | $ 105,000 | $ 65,000 |
| Morris County Kansas | 15 | $ 911,000 | $ 60,000 | $ 51,000 |
| Kearney County Nebraska | 15 | $ 906,000 | $ 60,000 | $ 54,000 |
| Mitchell County Kansas | 14 | $ 443,000 | $ 31,000 | $ 32,000 |
| Perkins County Nebraska | 14 | $ 1,171,000 | $ 83,000 | $ 48,000 |
| Seward County Nebraska | 14 | $ 1,440,000 | $ 102,000 | $ 57,000 |
| Pottawattamie County Iowa | 11 | $ 1,807,000 | $ 164,000 | $ 53,000 |
| Riley County Kansas | 11 | $ 887,000 | $ 80,000 | $ 91,000 |
| Butler County Nebraska | 11 | $ 1,143,000 | $ 103,000 | $ 41,000 |
| Chase County Nebraska | 11 | $ 847,000 | $ 77,000 | $ 55,000 |
| Stanton County Nebraska | 11 | $ 1,146,000 | $ 104,000 | $ 49,000 |
| Wayne County Nebraska | 11 | $ 1,040,000 | $ 94,000 | $ 68,000 |
| Butler County Kansas | 9 | $ 821,000 | $ 91,000 | $ 76,000 |
| Cass County Nebraska | 9 | $ 1,223,000 | $ 135,000 | $ 65,000 |
| Howard County Nebraska | 9 | $ 669,000 | $ 74,000 | $ 58,000 |
| Nuckolls County Nebraska | 9 | $ 307,000 | $ 34,000 | $ 40,000 |
| Cloud County Kansas | 8 | $ 1,058,000 | $ 132,000 | $ 28,000 |
| Reno County Kansas | 8 | $ 596,000 | $ 74,000 | $ 59,000 |
| Garden County Nebraska | 8 | $ 414,000 | $ 51,000 | $ 30,000 |
| Saunders County Nebraska | 8 | $ 1,003,000 | $ 125,000 | $ 65,000 |
| York County Nebraska | 8 | $ 699,000 | $ 87,000 | $ 68,000 |
| Osage County Kansas | 7 | $ 740,000 | $ 105,000 | $ 51,000 |
| Wabaunsee County Kansas | 7 | $ 878,000 | $ 125,000 | $ 63,000 |
| Clay County Nebraska | 7 | $ 723,000 | $ 103,000 | $ 68,000 |
| Jefferson County Kansas | 6 | $ 664,000 | $ 110,000 | $ 75,000 |
| Johnson County Kansas | 6 | $ 1,066,000 | $ 177,000 | $ 75,000 |
| Cedar County Nebraska | 6 | $ 451,000 | $ 75,000 | $ 58,000 |
| Phelps County Nebraska | 6 | $ 548,000 | $ 91,000 | $ 64,000 |
| Jewell County Kansas | 5 | $ 149,000 | $ 29,000 | $ 31,000 |
| Adams County Nebraska | 5 | $ 319,000 | $ 63,000 | $ 43,000 |
| Jackson County Kansas | 4 | $ 372,000 | $ 93,000 | $ 45,000 |
| Ottawa County Kansas | 4 | $ 249,000 | $ 62,000 | $ 34,000 |
| Frontier County Nebraska | 4 | $ 307,000 | $ 76,000 | $ 44,000 |
| Hamilton County Nebraska | 4 | $ 392,000 | $ 98,000 | $ 76,000 |
| Merrick County Nebraska | 4 | $ 281,000 | $ 70,000 | $ 34,000 |
| Washington County Nebraska | 4 | $ 779,000 | $ 194,000 | $ 69,000 |
| Larimer County Colorado | 3 | $ 572,000 | $ 190,000 | $ 50,000 |
| Clay County Kansas | 3 | $ 133,000 | $ 44,000 | $ 58,000 |
| Republic County Kansas | 3 | $ 199,000 | $ 66,000 | $ 27,000 |
| Smith County Kansas | 3 | $ 159,000 | $ 53,000 | $ 29,000 |
| Cuming County Nebraska | 3 | $ 223,000 | $ 74,000 | $ 43,000 |
| Hitchcock County Nebraska | 3 | $ 207,000 | $ 69,000 | $ 34,000 |
| Thayer County Nebraska | 3 | $ 221,000 | $ 73,000 | $ 34,000 |
| Webster County Nebraska | 3 | $ 311,000 | $ 103,000 | $ 41,000 |
| Harrison County Iowa | 2 | $ 150,000 | $ 75,000 | $ 56,000 |
| Polk County Iowa | 2 | $ 267,000 | $ 133,000 | $ 91,000 |
| Ellis County Kansas | 2 | $ 158,000 | $ 79,000 | $ 59,000 |
| Leavenworth County Kansas | 2 | $ 396,000 | $ 198,000 | $ 105,000 |
| Wyandotte County Kansas | 2 | $ 72,000 | $ 36,000 | $ 132,000 |
| Custer County Nebraska | 2 | $ 72,000 | $ 36,000 | $ 50,000 |
| Deuel County Nebraska | 2 | $ 130,000 | $ 65,000 | $ 55,000 |
| Dodge County Nebraska | 2 | $ 226,000 | $ 113,000 | $ 77,000 |
| Richardson County Nebraska | 2 | $ 260,000 | $ 130,000 | $ 82,000 |
| Sherman County Nebraska | 2 | $ 263,000 | $ 131,000 | $ 95,000 |
| Sedgwick County Colorado | 1 | $ 79,000 | $ 79,000 | $ 28,000 |
| Carroll County Iowa | 1 | $ 111,000 | $ 111,000 | $ 58,000 |
| Woodbury County Iowa | 1 | $ 72,000 | $ 72,000 | $ 38,000 |
| Chase County Kansas | 1 | $ 25,000 | $ 25,000 | $ 17,000 |
| Cowley County Kansas | 1 | $ 152,000 | $ 152,000 | $ 71,000 |
| Franklin County Kansas | 1 | $ 103,000 | $ 103,000 | $ 45,000 |
| Lincoln County Kansas | 1 | $ 108,000 | $ 108,000 | $ 56,000 |
| Marshall County Kansas | 1 | $ 70,000 | $ 70,000 | $ 71,000 |
| Miami County Kansas | 1 | $ 95,000 | $ 95,000 | $ 30,000 |
| Neosho County Kansas | 1 | $ 105,000 | $ 105,000 | $ 42,000 |
| Osborne County Kansas | 1 | $ 27,000 | $ 27,000 | $ 89,000 |
| Thomas County Kansas | 1 | $ 91,000 | $ 91,000 | $ 72,000 |
| Stone County Missouri | 1 | $ 200,000 | $ 200,000 | $ 387,000 |
| Antelope County Nebraska | 1 | $ 31,000 | $ 31,000 | $ 32,000 |
| Boone County Nebraska | 1 | $ 76,000 | $ 76,000 | $ 51,000 |
| Burt County Nebraska | 1 | $ 80,000 | $ 80,000 | $ 47,000 |
| Dakota County Nebraska | 1 | $ 106,000 | $ 106,000 | $ 73,000 |
| Dixon County Nebraska | 1 | $ 85,000 | $ 85,000 | $ 50,000 |
| Gage County Nebraska | 1 | $ 71,000 | $ 71,000 | $ 42,000 |
| Greeley County Nebraska | 1 | $ 50,000 | $ 50,000 | $ 64,000 |
| Holt County Nebraska | 1 | $ 65,000 | $ 65,000 | $ 33,000 |
| Jefferson County Nebraska | 1 | $ 86,000 | $ 86,000 | $ 114,000 |
| Kimball County Nebraska | 1 | $ 36,000 | $ 36,000 | $ 80,000 |
| Logan County Nebraska | 1 | $ 58,000 | $ 58,000 | $ 33,000 |
| Nance County Nebraska | 1 | $ 65,000 | $ 65,000 | $ 55,000 |
| Scotts Bluff County Nebraska | 1 | $ 135,000 | $ 135,000 | $ 34,000 |
| Sheridan County Nebraska | 1 | $ 39,000 | $ 39,000 | $ 16,000 |
Mortgage Loan Application Detail Totals for Central National Bank in 2004
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 | 854 | $96,314,000 | $129,833 | $1,612,000 | $100,833 | $493,000 |
| Refinancing | 767 | $81,556,000 | $125,500 | $870,000 | $65,250 | $1,681,000 |
| Home Improvement | 86 | $4,721,000 | $62,000 | $371,000 | $51,500 | $168,000 |
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 | 1,586 | $167,139,000 | $119,000 | $1,500,000 | $106,666 | $493,000 |
| Hispanic | 42 | $2,965,000 | $73,500 | $217,000 | $59,500 | $291,000 |
| Not Provided | 29 | $1,842,000 | $64,500 | $371,000 | $50,500 | $134,000 |
| Not applicable | 16 | $3,779,000 | $236,000 | $918,000 | $47,000 | $458,000 |
| Asian | 15 | $2,351,000 | $155,500 | $620,000 | $70,500 | $300,000 |
| Black or African American | 13 | $3,135,000 | $241,000 | $1,612,000 | $46,000 | $108,000 |
| American Indian or Alaskan Native | 5 | $1,140,000 | $271,500 | $870,000 | $447,500 | $1,681,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $240,000 | $240,000 | $240,000 | $232,000 | $232,000 |
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) | 1,559 | $169,347,000 | $121,833 | $1,612,000 | $109,000 | $1,681,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 59 | $4,123,000 | $69,000 | $134,000 | $37,000 | $62,000 |
| VA-guaranteed (Veterans Administration) | 56 | $6,112,000 | $112,000 | $216,000 | $54,333 | $136,000 |
| FHA-insured (Federal Housing Administration) | 33 | $3,009,000 | $90,666 | $156,000 | $45,333 | $98,000 |
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 | 821 | $89,820,000 | $140,250 | $1,500,000 | $145,500 | $1,681,000 |
| Loan Purchased By The Institution | 757 | $80,374,000 | $113,250 | $334,000 | $53,500 | $490,000 |
| Application Denied By Financial Institution | 92 | $7,764,000 | $66,000 | $1,612,000 | $48,750 | $168,000 |
| Application Approved But Not Accepted | 20 | $2,511,000 | $161,333 | $325,000 | $53,666 | $164,000 |
| Application Withdrawn By Applicant | 17 | $2,122,000 | $130,000 | $620,000 | $43,000 | $119,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 51 | $3,060,000 | $48,333 | $420,000 | $41,000 | $168,000 |
| Debt-To-Income Ratio | 20 | $3,106,000 | $117,333 | $1,612,000 | $49,333 | $74,000 |
| Collateral | 11 | $642,000 | $75,000 | $154,000 | $50,000 | $91,000 |
| Unverifiable Information | 6 | $742,000 | $123,000 | $188,000 | $45,000 | $72,000 |
| Employment History | 2 | $117,000 | $58,500 | $110,000 | $18,500 | $26,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $97,000 | $48,000 | $50,000 | $68,000 | $72,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central National Bank's 2004 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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