Central National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Central National Bank 2005 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 | 1,806 |
| Total Mortgage Loan Application Amount | $197,386,000 |
| Average Mortgage Loan Application Amount | $140,000 |
| Highest Mortgage Loan Application Amount | $940,000 |
| Average Applicant Income | $144,187 |
| Highest Applicant Income | $2,311,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 159 | $ 20,908,000 | $ 131,000 | $ 62,000 |
| Shawnee County Kansas | 133 | $ 15,430,000 | $ 116,000 | $ 58,000 |
| Geary County Kansas | 131 | $ 11,323,000 | $ 86,000 | $ 77,000 |
| Madison County Nebraska | 94 | $ 10,574,000 | $ 112,000 | $ 51,000 |
| Douglas County Nebraska | 87 | $ 10,953,000 | $ 125,000 | $ 68,000 |
| Douglas County Kansas | 83 | $ 12,536,000 | $ 151,000 | $ 71,000 |
| Marion County Kansas | 74 | $ 4,431,000 | $ 59,000 | $ 47,000 |
| Sedgwick County Kansas | 74 | $ 10,128,000 | $ 136,000 | $ 71,000 |
| Hall County Nebraska | 69 | $ 7,762,000 | $ 112,000 | $ 51,000 |
| Riley County Kansas | 63 | $ 8,433,000 | $ 133,000 | $ 66,000 |
| Saline County Kansas | 58 | $ 5,805,000 | $ 100,000 | $ 69,000 |
| Harvey County Kansas | 54 | $ 5,032,000 | $ 93,000 | $ 44,000 |
| Keith County Nebraska | 50 | $ 4,634,000 | $ 92,000 | $ 61,000 |
| Dickinson County Kansas | 43 | $ 2,944,000 | $ 68,000 | $ 55,000 |
| Sarpy County Nebraska | 41 | $ 6,298,000 | $ 153,000 | $ 67,000 |
| Lancaster County Nebraska | 31 | $ 3,702,000 | $ 119,000 | $ 69,000 |
| Red Willow County Nebraska | 30 | $ 2,498,000 | $ 83,000 | $ 58,000 |
| Lincoln County Nebraska | 29 | $ 3,120,000 | $ 107,000 | $ 57,000 |
| Coffey County Kansas | 22 | $ 2,129,000 | $ 96,000 | $ 69,000 |
| Mitchell County Kansas | 22 | $ 1,082,000 | $ 49,000 | $ 44,000 |
| Pierce County Nebraska | 22 | $ 2,742,000 | $ 124,000 | $ 57,000 |
| Pottawatomie County Kansas | 21 | $ 2,319,000 | $ 110,000 | $ 53,000 |
| Chase County Nebraska | 20 | $ 1,543,000 | $ 77,000 | $ 45,000 |
| Butler County Kansas | 16 | $ 1,827,000 | $ 114,000 | $ 63,000 |
| Kearney County Nebraska | 16 | $ 1,845,000 | $ 115,000 | $ 53,000 |
| Nuckolls County Nebraska | 15 | $ 880,000 | $ 58,000 | $ 38,000 |
| Cloud County Kansas | 14 | $ 639,000 | $ 45,000 | $ 39,000 |
| Johnson County Kansas | 14 | $ 2,474,000 | $ 176,000 | $ 91,000 |
| Morris County Kansas | 14 | $ 1,317,000 | $ 94,000 | $ 157,000 |
| Stanton County Nebraska | 14 | $ 1,264,000 | $ 90,000 | $ 63,000 |
| Smith County Kansas | 13 | $ 700,000 | $ 53,000 | $ 30,000 |
| Platte County Nebraska | 13 | $ 924,000 | $ 71,000 | $ 56,000 |
| Jewell County Kansas | 11 | $ 1,610,000 | $ 146,000 | $ 64,000 |
| Cass County Nebraska | 11 | $ 1,627,000 | $ 147,000 | $ 67,000 |
| Fillmore County Nebraska | 11 | $ 960,000 | $ 87,000 | $ 62,000 |
| Dawson County Nebraska | 10 | $ 879,000 | $ 87,000 | $ 52,000 |
| El Paso County Colorado | 8 | $ 1,634,000 | $ 204,000 | $ 77,000 |
| McPherson County Kansas | 8 | $ 815,000 | $ 101,000 | $ 42,000 |
| Republic County Kansas | 7 | $ 547,000 | $ 78,000 | $ 55,000 |
| Wabaunsee County Kansas | 7 | $ 664,000 | $ 94,000 | $ 43,000 |
| Butler County Nebraska | 7 | $ 664,000 | $ 94,000 | $ 67,000 |
| Clay County Nebraska | 7 | $ 510,000 | $ 72,000 | $ 74,000 |
| Howard County Nebraska | 7 | $ 618,000 | $ 88,000 | $ 48,000 |
| Jefferson County Kansas | 6 | $ 599,000 | $ 99,000 | $ 54,000 |
| Osage County Kansas | 6 | $ 791,000 | $ 131,000 | $ 52,000 |
| Wyandotte County Kansas | 6 | $ 418,000 | $ 69,000 | $ 55,000 |
| Greene County Missouri | 6 | $ 753,000 | $ 125,000 | $ 69,000 |
| Adams County Nebraska | 6 | $ 808,000 | $ 134,000 | $ 63,000 |
| Otoe County Nebraska | 6 | $ 497,000 | $ 82,000 | $ 43,000 |
| York County Nebraska | 6 | $ 582,000 | $ 97,000 | $ 52,000 |
| Jackson County Missouri | 5 | $ 668,000 | $ 133,000 | $ 84,000 |
| Garden County Nebraska | 5 | $ 238,000 | $ 47,000 | $ 46,000 |
| Hamilton County Nebraska | 5 | $ 496,000 | $ 99,000 | $ 47,000 |
| Perkins County Nebraska | 5 | $ 355,000 | $ 71,000 | $ 65,000 |
| Wayne County Nebraska | 5 | $ 440,000 | $ 88,000 | $ 53,000 |
| Clay County Kansas | 4 | $ 401,000 | $ 100,000 | $ 52,000 |
| Franklin County Kansas | 4 | $ 312,000 | $ 78,000 | $ 70,000 |
| Jackson County Kansas | 4 | $ 612,000 | $ 153,000 | $ 61,000 |
| Seward County Nebraska | 4 | $ 426,000 | $ 106,000 | $ 73,000 |
| Larimer County Colorado | 3 | $ 446,000 | $ 148,000 | $ 82,000 |
| Pottawattamie County Iowa | 3 | $ 374,000 | $ 124,000 | $ 61,000 |
| Boone County Nebraska | 3 | $ 279,000 | $ 93,000 | $ 46,000 |
| Cedar County Nebraska | 3 | $ 256,000 | $ 85,000 | $ 103,000 |
| Cuming County Nebraska | 3 | $ 350,000 | $ 116,000 | $ 84,000 |
| Thayer County Nebraska | 3 | $ 226,000 | $ 75,000 | $ 47,000 |
| Washington County Nebraska | 3 | $ 405,000 | $ 135,000 | $ 85,000 |
| Boulder County Colorado | 2 | $ 502,000 | $ 251,000 | $ 42,000 |
| Montgomery County Kansas | 2 | $ 289,000 | $ 144,000 | $ 87,000 |
| Phillips County Kansas | 2 | $ 66,000 | $ 33,000 | $ 20,000 |
| Boone County Missouri | 2 | $ 206,000 | $ 103,000 | $ 55,000 |
| Custer County Nebraska | 2 | $ 258,000 | $ 129,000 | $ 52,000 |
| Franklin County Nebraska | 2 | $ 144,000 | $ 72,000 | $ 42,000 |
| Hitchcock County Nebraska | 2 | $ 136,000 | $ 68,000 | $ 52,000 |
| Knox County Nebraska | 2 | $ 273,000 | $ 136,000 | $ 104,000 |
| Nance County Nebraska | 2 | $ 201,000 | $ 100,000 | $ 44,000 |
| Phelps County Nebraska | 2 | $ 172,000 | $ 86,000 | $ 44,000 |
| Polk County Nebraska | 2 | $ 200,000 | $ 100,000 | $ 52,000 |
| Valley County Nebraska | 2 | $ 240,000 | $ 120,000 | $ 79,000 |
| Maricopa County Arizona | 1 | $ 357,000 | $ 357,000 | $ 1,214,000 |
| Adams County Colorado | 1 | $ 130,000 | $ 130,000 | $ 41,000 |
| Elbert County Colorado | 1 | $ 281,000 | $ 281,000 | $ 115,000 |
| Routt County Colorado | 1 | $ 500,000 | $ 500,000 | $ 709,000 |
| Weld County Colorado | 1 | $ 106,000 | $ 106,000 | $ 47,000 |
| Harrison County Iowa | 1 | $ 105,000 | $ 105,000 | $ 28,000 |
| Marion County Iowa | 1 | $ 125,000 | $ 125,000 | $ 92,000 |
| Page County Iowa | 1 | $ 132,000 | $ 132,000 | $ 32,000 |
| Atchison County Kansas | 1 | $ 185,000 | $ 185,000 | $ 63,000 |
| Barton County Kansas | 1 | $ 44,000 | $ 44,000 | $ 8,000 |
| Clark County Kansas | 1 | $ 19,000 | $ 19,000 | $ 69,000 |
| Crawford County Kansas | 1 | $ 112,000 | $ 112,000 | $ 106,000 |
| Decatur County Kansas | 1 | $ 58,000 | $ 58,000 | $ 31,000 |
| Ellis County Kansas | 1 | $ 101,000 | $ 101,000 | $ 30,000 |
| Leavenworth County Kansas | 1 | $ 184,000 | $ 184,000 | $ 93,000 |
| Lincoln County Kansas | 1 | $ 35,000 | $ 35,000 | $ 31,000 |
| Miami County Kansas | 1 | $ 142,000 | $ 142,000 | $ 63,000 |
| Osborne County Kansas | 1 | $ 70,000 | $ 70,000 | $ 43,000 |
| Ottawa County Kansas | 1 | $ 75,000 | $ 75,000 | $ 73,000 |
| Pratt County Kansas | 1 | $ 119,000 | $ 119,000 | $ 82,000 |
| Rice County Kansas | 1 | $ 41,000 | $ 41,000 | $ 42,000 |
| Russell County Kansas | 1 | $ 60,000 | $ 60,000 | $ 36,000 |
| Thomas County Kansas | 1 | $ 207,000 | $ 207,000 | $ 380,000 |
| Woodson County Kansas | 1 | $ 67,000 | $ 67,000 | $ 37,000 |
| Clay County Missouri | 1 | $ 359,000 | $ 359,000 | $ 213,000 |
| Lafayette County Missouri | 1 | $ 135,000 | $ 135,000 | $ 66,000 |
| Antelope County Nebraska | 1 | $ 150,000 | $ 150,000 | $ 64,000 |
| Burt County Nebraska | 1 | $ 42,000 | $ 42,000 | $ 18,000 |
| Cheyenne County Nebraska | 1 | $ 56,000 | $ 56,000 | $ 48,000 |
| Deuel County Nebraska | 1 | $ 68,000 | $ 68,000 | $ 64,000 |
| Dundy County Nebraska | 1 | $ 40,000 | $ 40,000 | $ 52,000 |
| Greeley County Nebraska | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| McPherson County Nebraska | 1 | $ 77,000 | $ 77,000 | $ 72,000 |
| Merrick County Nebraska | 1 | $ 104,000 | $ 104,000 | $ 47,000 |
| Nemaha County Nebraska | 1 | $ 92,000 | $ 92,000 | $ 45,000 |
| Saline County Nebraska | 1 | $ 101,000 | $ 101,000 | $ 52,000 |
| Saunders County Nebraska | 1 | $ 119,000 | $ 119,000 | $ 48,000 |
| Scotts Bluff County Nebraska | 1 | $ 68,000 | $ 68,000 | $ 54,000 |
| Webster County Nebraska | 1 | $ 140,000 | $ 140,000 | $ 65,000 |
| Rogers County Oklahoma | 1 | $ 202,000 | $ 202,000 | $ 75,000 |
| Goshen County Wyoming | 1 | $ 130,000 | $ 130,000 | $ 84,000 |
Mortgage Loan Application Detail Totals for Central National Bank in 2005
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 | 989 | $108,500,000 | $122,285 | $385,000 | $64,714 | $600,000 |
| Refinancing | 706 | $82,155,000 | $177,571 | $940,000 | $248,285 | $2,311,000 |
| Home Improvement | 111 | $6,731,000 | $70,500 | $192,000 | $58,000 | $281,000 |
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 | 1,665 | $184,240,000 | $156,777 | $885,000 | $202,444 | $2,311,000 |
| Hispanic | 41 | $3,326,000 | $106,333 | $210,000 | $42,000 | $208,000 |
| Not Provided | 30 | $1,561,000 | $27,666 | $400,000 | $73,333 | $1,296,000 |
| Black or African American | 26 | $2,847,000 | $164,500 | $294,000 | $63,750 | $130,000 |
| Not applicable | 20 | $3,209,000 | $131,500 | $940,000 | $9,000 | $180,000 |
| Asian | 17 | $1,640,000 | $113,500 | $245,000 | $58,000 | $160,000 |
| American Indian or Alaskan Native | 4 | $307,000 | $86,500 | $106,000 | $50,000 | $110,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $256,000 | $85,000 | $97,000 | $77,000 | $141,000 |
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) | 1,649 | $181,238,000 | $157,333 | $940,000 | $202,000 | $2,311,000 |
| VA-guaranteed (Veterans Administration) | 75 | $9,771,000 | $142,333 | $263,000 | $56,666 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 58 | $4,208,000 | $92,000 | $162,000 | $35,000 | $69,000 |
| FHA-insured (Federal Housing Administration) | 24 | $2,169,000 | $110,000 | $164,000 | $52,000 | $124,000 |
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 | 919 | $103,236,000 | $102,000 | $940,000 | $61,000 | $2,311,000 |
| Loan Purchased By The Institution | 748 | $85,455,000 | $174,750 | $500,000 | $220,875 | $1,214,000 |
| Application Denied By Financial Institution | 109 | $6,494,000 | $62,500 | $285,000 | $44,250 | $1,296,000 |
| Application Approved But Not Accepted | 17 | $1,029,000 | $60,000 | $225,000 | $57,000 | $136,000 |
| Application Withdrawn By Applicant | 12 | $1,147,000 | $112,500 | $280,000 | $56,500 | $97,000 |
| File Closed For Incompleteness | 1 | $25,000 | $25,000 | $25,000 | $28,000 | $28,000 |
| 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 | 76 | $4,222,000 | $60,500 | $170,000 | $44,500 | $1,296,000 |
| Debt-To-Income Ratio | 19 | $1,204,000 | $57,500 | $215,000 | $58,500 | $125,000 |
| Collateral | 7 | $483,000 | $73,000 | $108,000 | $57,000 | $80,000 |
| Employment History | 3 | $167,000 | $61,500 | $80,000 | $25,000 | $27,000 |
| Unverifiable Information | 2 | $345,000 | $172,000 | $285,000 | $76,000 | $96,000 |
| Other | 1 | $3,000 | $3,000 | $3,000 | $47,000 | $47,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $70,000 | $70,000 | $70,000 | $67,000 | $67,000 |
| Mortgage Insurance Denied | 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 2005 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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with aggregated HMDA statistics today.