Central National Bank Mortgage Lending & HMDA Data, 2012

In 2012, Central National Bank of Junction City, KS reported 2,615 mortgage applications totaling $338.9 million, up 14% from 2011. The average application was for $129,592, and applicants reported an average income of $75,868. 54% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Manhattan, KS (310), Omaha-Council Bluffs, NE-IA (208) and Topeka, KS (141) (applications in parentheses).

Mortgage Company & Address Central National Bank
100 Rimrock Drive
Junction City, KS 66441
Tel #: available with data download
Federal Regulator * available with data download
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Total Number of Mortgage Applications 2,615
Total Mortgage Loan Application Amount $338,884,000
Average Mortgage Loan Application Amount $129,592
Highest Mortgage Loan Application Amount $1,444,000
Average Applicant Income $75,868
Highest Applicant Income $1,244,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Central National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Central National Bank by County in 2012

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Geary, Kansas 196 $ 25,047,000 $ 127,790 $ 69,000
Madison, Nebraska 172 $ 23,465,000 $ 136,424 $ 79,000
Lincoln, Nebraska 148 $ 19,096,000 $ 129,027 $ 71,000
Douglas, Nebraska 128 $ 19,199,000 $ 149,992 $ 108,000
Shawnee, Kansas 123 $ 15,096,000 $ 122,731 $ 75,000
Douglas, Kansas 100 $ 18,573,000 $ 185,730 $ 129,000
Marion, Kansas 90 $ 6,513,000 $ 72,366 $ 61,000
Riley, Kansas 89 $ 17,218,000 $ 193,460 $ 79,000
Sedgwick, Kansas 68 $ 7,654,000 $ 112,558 $ 149,000
Harvey, Kansas 66 $ 6,394,000 $ 96,878 $ 71,000
Greene, Missouri 65 $ 10,531,000 $ 162,015 $ 76,000
Coffey, Kansas 57 $ 6,834,000 $ 119,894 $ 79,000
Johnson, Kansas 52 $ 7,795,000 $ 149,903 $ 67,000
Boone, Missouri 49 $ 7,862,000 $ 160,448 $ 80,000
Buffalo, Nebraska 46 $ 6,514,000 $ 141,608 $ 75,000
Sarpy, Nebraska 43 $ 6,670,000 $ 155,116 $ 88,000
Red Willow, Nebraska 42 $ 4,443,000 $ 105,785 $ 94,000
Lancaster, Nebraska 41 $ 6,621,000 $ 161,487 $ 77,000
Dickinson, Kansas 40 $ 4,279,000 $ 106,975 $ 78,000
Keith, Nebraska 36 $ 3,345,000 $ 92,916 $ 70,000
Platte, Nebraska 34 $ 4,640,000 $ 136,470 $ 77,000
Cloud, Kansas 33 $ 2,364,000 $ 71,636 $ 62,000
Mitchell, Kansas 31 $ 2,359,000 $ 76,096 $ 55,000
Christian, Missouri 30 $ 4,555,000 $ 151,833 $ 86,000
Saline, Kansas 29 $ 2,218,000 $ 76,482 $ 61,000
Hall, Nebraska 27 $ 3,118,000 $ 115,481 $ 70,000
Jackson, Missouri 26 $ 3,657,000 $ 140,653 $ 76,000
Pottawatomie, Kansas 25 $ 4,458,000 $ 178,320 $ 83,000
Jasper, Missouri 23 $ 2,923,000 $ 127,086 $ 57,000
Pierce, Nebraska 23 $ 2,246,000 $ 97,652 $ 62,000
Stanton, Nebraska 23 $ 2,820,000 $ 122,608 $ 60,000
Dodge, Nebraska 21 $ 2,197,000 $ 104,619 $ 51,000
Cape Girardeau, Missouri 20 $ 2,817,000 $ 140,850 $ 73,000
Williamson, Illinois 19 $ 2,997,000 $ 157,736 $ 23,000
Johnson, Missouri 19 $ 3,535,000 $ 186,052 $ 15,000
Polk, Missouri 19 $ 2,009,000 $ 105,736 $ 72,000
Nuckolls, Nebraska 19 $ 785,000 $ 41,315 $ 44,000
Wayne, Nebraska 19 $ 1,925,000 $ 101,315 $ 50,000
Clay, Missouri 16 $ 1,886,000 $ 117,875 $ 72,000
Adams, Nebraska 15 $ 2,098,000 $ 139,866 $ 75,000
Clay, Kansas 14 $ 1,588,000 $ 113,428 $ 76,000
Webster, Missouri 14 $ 2,125,000 $ 151,785 $ 63,000
Fillmore, Nebraska 13 $ 1,095,000 $ 84,230 $ 66,000
Jackson, Illinois 12 $ 1,877,000 $ 156,416 $ 48,000
Morris, Kansas 12 $ 805,000 $ 67,083 $ 51,000
Pottawattamie, Iowa 11 $ 1,232,000 $ 112,000 $ 65,000
Chase, Nebraska 11 $ 1,072,000 $ 97,454 $ 87,000
Cass, Nebraska 10 $ 1,223,000 $ 122,300 $ 85,000
Dawson, Nebraska 10 $ 1,184,000 $ 118,400 $ 72,000
Monroe, Illinois 9 $ 1,497,000 $ 166,333 $ 8,000
McPherson, Kansas 9 $ 793,000 $ 88,111 $ 70,000
Newton, Missouri 9 $ 865,000 $ 96,111 $ 56,000
Pettis, Missouri 9 $ 1,057,000 $ 117,444 $ 47,000
Platte, Missouri 9 $ 1,161,000 $ 129,000 $ 39,000
Randolph, Missouri 9 $ 942,000 $ 104,666 $ 45,000
Colfax, Nebraska 9 $ 877,000 $ 97,444 $ 61,000
Perry, Missouri 8 $ 1,033,000 $ 129,125 $ 63,000
Saline, Nebraska 8 $ 1,019,000 $ 127,375 $ 78,000
Franklin, Kansas 7 $ 1,202,000 $ 171,714 $ 94,000
Lyon, Kansas 7 $ 773,000 $ 110,428 $ 62,000
Wabaunsee, Kansas 7 $ 1,188,000 $ 169,714 $ 71,000
Wyandotte, Kansas 7 $ 722,000 $ 103,142 $ 65,000
Deuel, Nebraska 7 $ 584,000 $ 83,428 $ 63,000
Saunders, Nebraska 7 $ 988,000 $ 141,142 $ 73,000
Johnson, Illinois 6 $ 677,000 $ 112,833 $ 35,000
Butler, Kansas 6 $ 503,000 $ 83,833 $ 37,000
Miami, Kansas 6 $ 1,076,000 $ 179,333 $ 85,000
Osage, Kansas 6 $ 690,000 $ 115,000 $ 74,000
Holt, Nebraska 6 $ 542,000 $ 90,333 $ 76,000
Washington, Nebraska 6 $ 1,151,000 $ 191,833 $ 124,000
Benton, Missouri 5 $ 916,000 $ 183,200 $ 58,000
Callaway, Missouri 5 $ 816,000 $ 163,200 $ 78,000
Cass, Missouri 5 $ 827,000 $ 165,400 $ 51,000
St. Louis, Missouri 5 $ 889,000 $ 177,800 $ 80,000
Taney, Missouri 5 $ 1,075,000 $ 215,000 $ 74,000
Otoe, Nebraska 5 $ 475,000 $ 95,000 $ 39,000
Perkins, Nebraska 5 $ 433,000 $ 86,600 $ 88,000
St. Clair, Illinois 4 $ 684,000 $ 171,000 $ 22,000
Anderson, Kansas 4 $ 782,000 $ 195,500 $ 56,000
Jewell, Kansas 4 $ 360,000 $ 90,000 $ 43,000
Neosho, Kansas 4 $ 444,000 $ 111,000 $ 78,000
Bollinger, Missouri 4 $ 318,000 $ 79,500 $ 64,000
Lawrence, Missouri 4 $ 741,000 $ 185,250 $ 64,000
Scott, Missouri 4 $ 374,000 $ 93,500 $ 73,000
Antelope, Nebraska 4 $ 494,000 $ 123,500 $ 77,000
Furnas, Nebraska 4 $ 317,000 $ 79,250 $ 60,000
Hamilton, Nebraska 4 $ 463,000 $ 115,750 $ 63,000
Kearney, Nebraska 4 $ 448,000 $ 112,000 $ 67,000
Seward, Nebraska 4 $ 354,000 $ 88,500 $ 52,000
Page, Iowa 3 $ 291,000 $ 97,000 $ 55,000
Jefferson, Kansas 3 $ 415,000 $ 138,333 $ 89,000
Leavenworth, Kansas 3 $ 488,000 $ 162,666 $ 58,000
Marshall, Kansas 3 $ 261,000 $ 87,000 $ 50,000
Osborne, Kansas 3 $ 102,000 $ 34,000 $ 31,000
Dade, Missouri 3 $ 362,000 $ 120,666 $ 53,000
Laclede, Missouri 3 $ 171,000 $ 57,000 $ 39,000
Lafayette, Missouri 3 $ 393,000 $ 131,000 $ 60,000
Stone, Missouri 3 $ 302,000 $ 100,666 $ 65,000
Wright, Missouri 3 $ 350,000 $ 116,666 $ 76,000
Cedar, Nebraska 3 $ 283,000 $ 94,333 $ 57,000
Garden, Nebraska 3 $ 213,000 $ 71,000 $ 48,000
Nemaha, Nebraska 3 $ 319,000 $ 106,333 $ 84,000
Phelps, Nebraska 3 $ 311,000 $ 103,666 $ 56,000
Thayer, Nebraska 3 $ 173,000 $ 57,666 $ 64,000
Larimer, Colorado 2 $ 240,000 $ 120,000 $ 69,000
Franklin, Illinois 2 $ 156,000 $ 78,000 $ 44,000
Union, Illinois 2 $ 300,000 $ 150,000 $ 43,000
Harrison, Iowa 2 $ 114,000 $ 57,000 $ 38,000
Taylor, Iowa 2 $ 173,000 $ 86,500 $ 26,000
Jackson, Kansas 2 $ 213,000 $ 106,500 $ 105,000
Ottawa, Kansas 2 $ 148,000 $ 74,000 $ 90,000
Reno, Kansas 2 $ 216,000 $ 108,000 $ 62,000
Cooper, Missouri 2 $ 156,000 $ 78,000 $ 65,000
Dallas, Missouri 2 $ 198,000 $ 99,000 $ 49,000
Henry, Missouri 2 $ 269,000 $ 134,500 $ 26,000
Monroe, Missouri 2 $ 191,000 $ 95,500 $ 30,000
Vernon, Missouri 2 $ 140,000 $ 70,000 $ 34,000
Clay, Nebraska 2 $ 262,000 $ 131,000 $ 102,000
Frontier, Nebraska 2 $ 223,000 $ 111,500 $ 64,000
Harlan, Nebraska 2 $ 233,000 $ 116,500 $ 75,000
Hitchcock, Nebraska 2 $ 189,000 $ 94,500 $ 41,000
Valley, Nebraska 2 $ 151,000 $ 75,500 $ 92,000
York, Nebraska 2 $ 487,000 $ 243,500 $ 202,000
El Paso, Colorado 1 $ 173,000 $ 173,000 $ 112,000
Mesa, Colorado 1 $ 223,000 $ 223,000 $ 104,000
Phillips, Colorado 1 $ 160,000 $ 160,000 $ 115,000
Sedgwick, Colorado 1 $ 49,000 $ 49,000 $ 48,000
Yuma, Colorado 1 $ 150,000 $ 150,000 $ 152,000
Madison, Illinois 1 $ 414,000 $ 414,000 $ 0
Massac, Illinois 1 $ 81,000 $ 81,000 $ 0
Perry, Illinois 1 $ 112,000 $ 112,000 $ 0
Randolph, Illinois 1 $ 92,000 $ 92,000 $ 108,000
Saline, Illinois 1 $ 68,000 $ 68,000 $ 33,000
Washington, Illinois 1 $ 148,000 $ 148,000 $ 62,000
Mills, Iowa 1 $ 181,000 $ 181,000 $ 111,000
Polk, Iowa 1 $ 256,000 $ 256,000 $ 185,000
Woodbury, Iowa 1 $ 79,000 $ 79,000 $ 132,000
Atchison, Kansas 1 $ 499,000 $ 499,000 $ 0
Chase, Kansas 1 $ 72,000 $ 72,000 $ 68,000
Cherokee, Kansas 1 $ 40,000 $ 40,000 $ 28,000
Crawford, Kansas 1 $ 178,000 $ 178,000 $ 69,000
Finney, Kansas 1 $ 119,000 $ 119,000 $ 299,000
Greenwood, Kansas 1 $ 230,000 $ 230,000 $ 127,000
Montgomery, Kansas 1 $ 77,000 $ 77,000 $ 71,000
Norton, Kansas 1 $ 94,000 $ 94,000 $ 46,000
Pratt, Kansas 1 $ 140,000 $ 140,000 $ 87,000
Rawlins, Kansas 1 $ 109,000 $ 109,000 $ 68,000
Republic, Kansas 1 $ 40,000 $ 40,000 $ 68,000
Rush, Kansas 1 $ 200,000 $ 200,000 $ 167,000
Smith, Kansas 1 $ 100,000 $ 100,000 $ 146,000
Sumner, Kansas 1 $ 75,000 $ 75,000 $ 58,000
Thomas, Kansas 1 $ 113,000 $ 113,000 $ 97,000
Atchison, Missouri 1 $ 45,000 $ 45,000 $ 40,000
Buchanan, Missouri 1 $ 30,000 $ 30,000 $ 160,000
Camden, Missouri 1 $ 315,000 $ 315,000 $ 0
Cedar, Missouri 1 $ 52,000 $ 52,000 $ 13,000
Chariton, Missouri 1 $ 124,000 $ 124,000 $ 12,000
Clinton, Missouri 1 $ 88,000 $ 88,000 $ 57,000
Gasconade, Missouri 1 $ 122,000 $ 122,000 $ 71,000
Hickory, Missouri 1 $ 133,000 $ 133,000 $ 46,000
Lincoln, Missouri 1 $ 129,000 $ 129,000 $ 38,000
McDonald, Missouri 1 $ 101,000 $ 101,000 $ 57,000
Mississippi, Missouri 1 $ 73,000 $ 73,000 $ 49,000
Morgan, Missouri 1 $ 227,000 $ 227,000 $ 0
Pike, Missouri 1 $ 145,000 $ 145,000 $ 74,000
Ray, Missouri 1 $ 205,000 $ 205,000 $ 121,000
Saline, Missouri 1 $ 264,000 $ 264,000 $ 78,000
Shelby, Missouri 1 $ 184,000 $ 184,000 $ 43,000
St. Louis City, Missouri 1 $ 166,000 $ 166,000 $ 0
Texas, Missouri 1 $ 200,000 $ 200,000 $ 47,000
Boone, Nebraska 1 $ 104,000 $ 104,000 $ 85,000
Burt, Nebraska 1 $ 129,000 $ 129,000 $ 134,000
Cuming, Nebraska 1 $ 148,000 $ 148,000 $ 65,000
Custer, Nebraska 1 $ 103,000 $ 103,000 $ 73,000
Dawes, Nebraska 1 $ 86,000 $ 86,000 $ 44,000
Gage, Nebraska 1 $ 278,000 $ 278,000 $ 182,000
Gosper, Nebraska 1 $ 218,000 $ 218,000 $ 102,000
Hayes, Nebraska 1 $ 90,000 $ 90,000 $ 39,000
Howard, Nebraska 1 $ 95,000 $ 95,000 $ 69,000
Knox, Nebraska 1 $ 46,000 $ 46,000 $ 42,000
Scotts Bluff, Nebraska 1 $ 189,000 $ 189,000 $ 69,000
Sheridan, Nebraska 1 $ 108,000 $ 108,000 $ 56,000
Sherman, Nebraska 1 $ 72,000 $ 72,000 $ 30,000
Thurston, Nebraska 1 $ 117,000 $ 117,000 $ 155,000
Kay, Oklahoma 1 $ 3,000 $ 3,000 $ 0
Logan, Oklahoma 1 $ 223,000 $ 223,000 $ 88,000

Mortgage Loan Application Detail Totals for Central National Bank in 2012

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 1,740 $234,791,000 $134,000 $1,444,000 $79,000 $851,000
Home Purchase 767 $100,530,000 $131,000 $1,433,000 $71,000 $1,244,000
Home Improvement 108 $3,563,000 $32,000 $1,426,000 $60,000 $984,000

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 2,413 $310,365,000 $128,000 $1,444,000 $74,000 $984,000
Hispanic 59 $7,040,000 $119,000 $305,000 $54,000 $182,000
Not Provided 47 $4,094,000 $87,000 $450,000 $71,000 $177,000
Black or African American 36 $5,403,000 $150,000 $331,000 $73,000 $158,000
Not applicable 34 $8,688,000 $255,000 $1,433,000 $283,000 $1,244,000
Asian 14 $1,946,000 $139,000 $398,000 $86,000 $316,000
American Indian or Alaskan Native 8 $998,000 $124,000 $268,000 $70,000 $255,000
Native Hawaiian or Other Pacific Islander 4 $350,000 $87,000 $132,000 $54,000 $112,000

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) 1,830 $228,101,000 $124,000 $1,444,000 $85,000 $1,244,000
VA-guaranteed (Veterans Administration) 433 $67,543,000 $155,000 $414,000 $57,000 $251,000
FHA-insured (Federal Housing Administration) 321 $40,131,000 $125,000 $270,000 $56,000 $214,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 31 $3,109,000 $100,000 $184,000 $44,000 $83,000

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 1,406 $184,983,000 $131,000 $1,444,000 $84,000 $1,244,000
Loan Purchased By The Institution 1,011 $134,084,000 $132,000 $417,000 $66,000 $851,000
Application Denied By Financial Institution 168 $16,890,000 $100,000 $410,000 $65,000 $288,000
Application Withdrawn By Applicant 16 $1,938,000 $121,000 $306,000 $123,000 $984,000
Application Approved But Not Accepted 14 $989,000 $70,000 $210,000 $101,000 $289,000
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 71 $5,898,000 $83,000 $342,000 $50,000 $152,000
Collateral 52 $6,900,000 $132,000 $328,000 $95,000 $288,000
Debt-To-Income Ratio 32 $2,760,000 $86,000 $410,000 $53,000 $167,000
Other 5 $576,000 $115,000 $169,000 $64,000 $121,000
Employment History 4 $334,000 $83,000 $117,000 $26,000 $33,000
Insufficient Cash (Downpayment, Closing Cost) 2 $281,000 $140,000 $171,000 $39,000 $48,000
Unverifiable Information 1 $11,000 $11,000 $11,000 $144,000 $144,000
Credit Application Incomplete 1 $130,000 $130,000 $130,000 $54,000 $54,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Central National Bank's 2012 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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