Central National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Central National Bank 2012 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 | 2,615 |
| Total Mortgage Loan Application Amount | $338,884,000 |
| Average Mortgage Loan Application Amount | $99,000 |
| Highest Mortgage Loan Application Amount | $1,444,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $1,244,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Geary County Kansas | 196 | $ 25,047,000 | $ 127,000 | $ 69,000 |
| Madison County Nebraska | 172 | $ 23,465,000 | $ 136,000 | $ 79,000 |
| Lincoln County Nebraska | 148 | $ 19,096,000 | $ 129,000 | $ 71,000 |
| Douglas County Nebraska | 128 | $ 19,199,000 | $ 149,000 | $ 108,000 |
| Shawnee County Kansas | 123 | $ 15,096,000 | $ 122,000 | $ 75,000 |
| Douglas County Kansas | 100 | $ 18,573,000 | $ 185,000 | $ 129,000 |
| Marion County Kansas | 90 | $ 6,513,000 | $ 72,000 | $ 61,000 |
| Riley County Kansas | 89 | $ 17,218,000 | $ 193,000 | $ 79,000 |
| Sedgwick County Kansas | 68 | $ 7,654,000 | $ 112,000 | $ 149,000 |
| Harvey County Kansas | 66 | $ 6,394,000 | $ 96,000 | $ 71,000 |
| Greene County Missouri | 65 | $ 10,531,000 | $ 162,000 | $ 76,000 |
| Coffey County Kansas | 57 | $ 6,834,000 | $ 119,000 | $ 79,000 |
| Johnson County Kansas | 52 | $ 7,795,000 | $ 149,000 | $ 67,000 |
| Boone County Missouri | 49 | $ 7,862,000 | $ 160,000 | $ 80,000 |
| Buffalo County Nebraska | 46 | $ 6,514,000 | $ 141,000 | $ 75,000 |
| Sarpy County Nebraska | 43 | $ 6,670,000 | $ 155,000 | $ 88,000 |
| Red Willow County Nebraska | 42 | $ 4,443,000 | $ 105,000 | $ 94,000 |
| Lancaster County Nebraska | 41 | $ 6,621,000 | $ 161,000 | $ 77,000 |
| Dickinson County Kansas | 40 | $ 4,279,000 | $ 106,000 | $ 78,000 |
| Keith County Nebraska | 36 | $ 3,345,000 | $ 92,000 | $ 70,000 |
| Platte County Nebraska | 34 | $ 4,640,000 | $ 136,000 | $ 77,000 |
| Cloud County Kansas | 33 | $ 2,364,000 | $ 71,000 | $ 62,000 |
| Mitchell County Kansas | 31 | $ 2,359,000 | $ 76,000 | $ 55,000 |
| Christian County Missouri | 30 | $ 4,555,000 | $ 151,000 | $ 86,000 |
| Saline County Kansas | 29 | $ 2,218,000 | $ 76,000 | $ 61,000 |
| Hall County Nebraska | 27 | $ 3,118,000 | $ 115,000 | $ 70,000 |
| Jackson County Missouri | 26 | $ 3,657,000 | $ 140,000 | $ 76,000 |
| Pottawatomie County Kansas | 25 | $ 4,458,000 | $ 178,000 | $ 83,000 |
| Jasper County Missouri | 23 | $ 2,923,000 | $ 127,000 | $ 57,000 |
| Pierce County Nebraska | 23 | $ 2,246,000 | $ 97,000 | $ 62,000 |
| Stanton County Nebraska | 23 | $ 2,820,000 | $ 122,000 | $ 60,000 |
| Dodge County Nebraska | 21 | $ 2,197,000 | $ 104,000 | $ 51,000 |
| Cape Girardeau County Missouri | 20 | $ 2,817,000 | $ 140,000 | $ 73,000 |
| Williamson County Illinois | 19 | $ 2,997,000 | $ 157,000 | $ 23,000 |
| Johnson County Missouri | 19 | $ 3,535,000 | $ 186,000 | $ 15,000 |
| Polk County Missouri | 19 | $ 2,009,000 | $ 105,000 | $ 72,000 |
| Nuckolls County Nebraska | 19 | $ 785,000 | $ 41,000 | $ 44,000 |
| Wayne County Nebraska | 19 | $ 1,925,000 | $ 101,000 | $ 50,000 |
| Clay County Missouri | 16 | $ 1,886,000 | $ 117,000 | $ 72,000 |
| Adams County Nebraska | 15 | $ 2,098,000 | $ 139,000 | $ 75,000 |
| Clay County Kansas | 14 | $ 1,588,000 | $ 113,000 | $ 76,000 |
| Webster County Missouri | 14 | $ 2,125,000 | $ 151,000 | $ 63,000 |
| Fillmore County Nebraska | 13 | $ 1,095,000 | $ 84,000 | $ 66,000 |
| Jackson County Illinois | 12 | $ 1,877,000 | $ 156,000 | $ 48,000 |
| Morris County Kansas | 12 | $ 805,000 | $ 67,000 | $ 51,000 |
| Pottawattamie County Iowa | 11 | $ 1,232,000 | $ 112,000 | $ 65,000 |
| Chase County Nebraska | 11 | $ 1,072,000 | $ 97,000 | $ 87,000 |
| Cass County Nebraska | 10 | $ 1,223,000 | $ 122,000 | $ 85,000 |
| Dawson County Nebraska | 10 | $ 1,184,000 | $ 118,000 | $ 72,000 |
| Monroe County Illinois | 9 | $ 1,497,000 | $ 166,000 | $ 8,000 |
| McPherson County Kansas | 9 | $ 793,000 | $ 88,000 | $ 70,000 |
| Newton County Missouri | 9 | $ 865,000 | $ 96,000 | $ 56,000 |
| Pettis County Missouri | 9 | $ 1,057,000 | $ 117,000 | $ 47,000 |
| Platte County Missouri | 9 | $ 1,161,000 | $ 129,000 | $ 39,000 |
| Randolph County Missouri | 9 | $ 942,000 | $ 104,000 | $ 45,000 |
| Colfax County Nebraska | 9 | $ 877,000 | $ 97,000 | $ 61,000 |
| Perry County Missouri | 8 | $ 1,033,000 | $ 129,000 | $ 63,000 |
| Saline County Nebraska | 8 | $ 1,019,000 | $ 127,000 | $ 78,000 |
| Franklin County Kansas | 7 | $ 1,202,000 | $ 171,000 | $ 94,000 |
| Lyon County Kansas | 7 | $ 773,000 | $ 110,000 | $ 62,000 |
| Wabaunsee County Kansas | 7 | $ 1,188,000 | $ 169,000 | $ 71,000 |
| Wyandotte County Kansas | 7 | $ 722,000 | $ 103,000 | $ 65,000 |
| Deuel County Nebraska | 7 | $ 584,000 | $ 83,000 | $ 63,000 |
| Saunders County Nebraska | 7 | $ 988,000 | $ 141,000 | $ 73,000 |
| Johnson County Illinois | 6 | $ 677,000 | $ 112,000 | $ 35,000 |
| Butler County Kansas | 6 | $ 503,000 | $ 83,000 | $ 37,000 |
| Miami County Kansas | 6 | $ 1,076,000 | $ 179,000 | $ 85,000 |
| Osage County Kansas | 6 | $ 690,000 | $ 115,000 | $ 74,000 |
| Holt County Nebraska | 6 | $ 542,000 | $ 90,000 | $ 76,000 |
| Washington County Nebraska | 6 | $ 1,151,000 | $ 191,000 | $ 124,000 |
| Benton County Missouri | 5 | $ 916,000 | $ 183,000 | $ 58,000 |
| Callaway County Missouri | 5 | $ 816,000 | $ 163,000 | $ 78,000 |
| Cass County Missouri | 5 | $ 827,000 | $ 165,000 | $ 51,000 |
| St. Louis County Missouri | 5 | $ 889,000 | $ 177,000 | $ 80,000 |
| Taney County Missouri | 5 | $ 1,075,000 | $ 215,000 | $ 74,000 |
| Otoe County Nebraska | 5 | $ 475,000 | $ 95,000 | $ 39,000 |
| Perkins County Nebraska | 5 | $ 433,000 | $ 86,000 | $ 88,000 |
| St. Clair County Illinois | 4 | $ 684,000 | $ 171,000 | $ 22,000 |
| Anderson County Kansas | 4 | $ 782,000 | $ 195,000 | $ 56,000 |
| Jewell County Kansas | 4 | $ 360,000 | $ 90,000 | $ 43,000 |
| Neosho County Kansas | 4 | $ 444,000 | $ 111,000 | $ 78,000 |
| Bollinger County Missouri | 4 | $ 318,000 | $ 79,000 | $ 64,000 |
| Lawrence County Missouri | 4 | $ 741,000 | $ 185,000 | $ 64,000 |
| Scott County Missouri | 4 | $ 374,000 | $ 93,000 | $ 73,000 |
| Antelope County Nebraska | 4 | $ 494,000 | $ 123,000 | $ 77,000 |
| Furnas County Nebraska | 4 | $ 317,000 | $ 79,000 | $ 60,000 |
| Hamilton County Nebraska | 4 | $ 463,000 | $ 115,000 | $ 63,000 |
| Kearney County Nebraska | 4 | $ 448,000 | $ 112,000 | $ 67,000 |
| Seward County Nebraska | 4 | $ 354,000 | $ 88,000 | $ 52,000 |
| Page County Iowa | 3 | $ 291,000 | $ 97,000 | $ 55,000 |
| Jefferson County Kansas | 3 | $ 415,000 | $ 138,000 | $ 89,000 |
| Leavenworth County Kansas | 3 | $ 488,000 | $ 162,000 | $ 58,000 |
| Marshall County Kansas | 3 | $ 261,000 | $ 87,000 | $ 50,000 |
| Osborne County Kansas | 3 | $ 102,000 | $ 34,000 | $ 31,000 |
| Dade County Missouri | 3 | $ 362,000 | $ 120,000 | $ 53,000 |
| Laclede County Missouri | 3 | $ 171,000 | $ 57,000 | $ 39,000 |
| Lafayette County Missouri | 3 | $ 393,000 | $ 131,000 | $ 60,000 |
| Stone County Missouri | 3 | $ 302,000 | $ 100,000 | $ 65,000 |
| Wright County Missouri | 3 | $ 350,000 | $ 116,000 | $ 76,000 |
| Cedar County Nebraska | 3 | $ 283,000 | $ 94,000 | $ 57,000 |
| Garden County Nebraska | 3 | $ 213,000 | $ 71,000 | $ 48,000 |
| Nemaha County Nebraska | 3 | $ 319,000 | $ 106,000 | $ 84,000 |
| Phelps County Nebraska | 3 | $ 311,000 | $ 103,000 | $ 56,000 |
| Thayer County Nebraska | 3 | $ 173,000 | $ 57,000 | $ 64,000 |
| Larimer County Colorado | 2 | $ 240,000 | $ 120,000 | $ 69,000 |
| Franklin County Illinois | 2 | $ 156,000 | $ 78,000 | $ 44,000 |
| Union County Illinois | 2 | $ 300,000 | $ 150,000 | $ 43,000 |
| Harrison County Iowa | 2 | $ 114,000 | $ 57,000 | $ 38,000 |
| Taylor County Iowa | 2 | $ 173,000 | $ 86,000 | $ 26,000 |
| Jackson County Kansas | 2 | $ 213,000 | $ 106,000 | $ 105,000 |
| Ottawa County Kansas | 2 | $ 148,000 | $ 74,000 | $ 90,000 |
| Reno County Kansas | 2 | $ 216,000 | $ 108,000 | $ 62,000 |
| Cooper County Missouri | 2 | $ 156,000 | $ 78,000 | $ 65,000 |
| Dallas County Missouri | 2 | $ 198,000 | $ 99,000 | $ 49,000 |
| Henry County Missouri | 2 | $ 269,000 | $ 134,000 | $ 26,000 |
| Monroe County Missouri | 2 | $ 191,000 | $ 95,000 | $ 30,000 |
| Vernon County Missouri | 2 | $ 140,000 | $ 70,000 | $ 34,000 |
| Clay County Nebraska | 2 | $ 262,000 | $ 131,000 | $ 102,000 |
| Frontier County Nebraska | 2 | $ 223,000 | $ 111,000 | $ 64,000 |
| Harlan County Nebraska | 2 | $ 233,000 | $ 116,000 | $ 75,000 |
| Hitchcock County Nebraska | 2 | $ 189,000 | $ 94,000 | $ 41,000 |
| Valley County Nebraska | 2 | $ 151,000 | $ 75,000 | $ 92,000 |
| York County Nebraska | 2 | $ 487,000 | $ 243,000 | $ 202,000 |
| El Paso County Colorado | 1 | $ 173,000 | $ 173,000 | $ 112,000 |
| Mesa County Colorado | 1 | $ 223,000 | $ 223,000 | $ 104,000 |
| Phillips County Colorado | 1 | $ 160,000 | $ 160,000 | $ 115,000 |
| Sedgwick County Colorado | 1 | $ 49,000 | $ 49,000 | $ 48,000 |
| Yuma County Colorado | 1 | $ 150,000 | $ 150,000 | $ 152,000 |
| Madison County Illinois | 1 | $ 414,000 | $ 414,000 | $ 0 |
| Massac County Illinois | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Perry County Illinois | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Randolph County Illinois | 1 | $ 92,000 | $ 92,000 | $ 108,000 |
| Saline County Illinois | 1 | $ 68,000 | $ 68,000 | $ 33,000 |
| Washington County Illinois | 1 | $ 148,000 | $ 148,000 | $ 62,000 |
| Mills County Iowa | 1 | $ 181,000 | $ 181,000 | $ 111,000 |
| Polk County Iowa | 1 | $ 256,000 | $ 256,000 | $ 185,000 |
| Woodbury County Iowa | 1 | $ 79,000 | $ 79,000 | $ 132,000 |
| Atchison County Kansas | 1 | $ 499,000 | $ 499,000 | $ 0 |
| Chase County Kansas | 1 | $ 72,000 | $ 72,000 | $ 68,000 |
| Cherokee County Kansas | 1 | $ 40,000 | $ 40,000 | $ 28,000 |
| Crawford County Kansas | 1 | $ 178,000 | $ 178,000 | $ 69,000 |
| Finney County Kansas | 1 | $ 119,000 | $ 119,000 | $ 299,000 |
| Greenwood County Kansas | 1 | $ 230,000 | $ 230,000 | $ 127,000 |
| Montgomery County Kansas | 1 | $ 77,000 | $ 77,000 | $ 71,000 |
| Norton County Kansas | 1 | $ 94,000 | $ 94,000 | $ 46,000 |
| Pratt County Kansas | 1 | $ 140,000 | $ 140,000 | $ 87,000 |
| Rawlins County Kansas | 1 | $ 109,000 | $ 109,000 | $ 68,000 |
| Republic County Kansas | 1 | $ 40,000 | $ 40,000 | $ 68,000 |
| Rush County Kansas | 1 | $ 200,000 | $ 200,000 | $ 167,000 |
| Smith County Kansas | 1 | $ 100,000 | $ 100,000 | $ 146,000 |
| Sumner County Kansas | 1 | $ 75,000 | $ 75,000 | $ 58,000 |
| Thomas County Kansas | 1 | $ 113,000 | $ 113,000 | $ 97,000 |
| Atchison County Missouri | 1 | $ 45,000 | $ 45,000 | $ 40,000 |
| Buchanan County Missouri | 1 | $ 30,000 | $ 30,000 | $ 160,000 |
| Camden County Missouri | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Cedar County Missouri | 1 | $ 52,000 | $ 52,000 | $ 13,000 |
| Chariton County Missouri | 1 | $ 124,000 | $ 124,000 | $ 12,000 |
| Clinton County Missouri | 1 | $ 88,000 | $ 88,000 | $ 57,000 |
| Gasconade County Missouri | 1 | $ 122,000 | $ 122,000 | $ 71,000 |
| Hickory County Missouri | 1 | $ 133,000 | $ 133,000 | $ 46,000 |
| Lincoln County Missouri | 1 | $ 129,000 | $ 129,000 | $ 38,000 |
| McDonald County Missouri | 1 | $ 101,000 | $ 101,000 | $ 57,000 |
| Mississippi County Missouri | 1 | $ 73,000 | $ 73,000 | $ 49,000 |
| Morgan County Missouri | 1 | $ 227,000 | $ 227,000 | $ 0 |
| Pike County Missouri | 1 | $ 145,000 | $ 145,000 | $ 74,000 |
| Ray County Missouri | 1 | $ 205,000 | $ 205,000 | $ 121,000 |
| Saline County Missouri | 1 | $ 264,000 | $ 264,000 | $ 78,000 |
| Shelby County Missouri | 1 | $ 184,000 | $ 184,000 | $ 43,000 |
| St. Louis City County Missouri | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Texas County Missouri | 1 | $ 200,000 | $ 200,000 | $ 47,000 |
| Boone County Nebraska | 1 | $ 104,000 | $ 104,000 | $ 85,000 |
| Burt County Nebraska | 1 | $ 129,000 | $ 129,000 | $ 134,000 |
| Cuming County Nebraska | 1 | $ 148,000 | $ 148,000 | $ 65,000 |
| Custer County Nebraska | 1 | $ 103,000 | $ 103,000 | $ 73,000 |
| Dawes County Nebraska | 1 | $ 86,000 | $ 86,000 | $ 44,000 |
| Gage County Nebraska | 1 | $ 278,000 | $ 278,000 | $ 182,000 |
| Gosper County Nebraska | 1 | $ 218,000 | $ 218,000 | $ 102,000 |
| Hayes County Nebraska | 1 | $ 90,000 | $ 90,000 | $ 39,000 |
| Howard County Nebraska | 1 | $ 95,000 | $ 95,000 | $ 69,000 |
| Knox County Nebraska | 1 | $ 46,000 | $ 46,000 | $ 42,000 |
| Scotts Bluff County Nebraska | 1 | $ 189,000 | $ 189,000 | $ 69,000 |
| Sheridan County Nebraska | 1 | $ 108,000 | $ 108,000 | $ 56,000 |
| Sherman County Nebraska | 1 | $ 72,000 | $ 72,000 | $ 30,000 |
| Thurston County Nebraska | 1 | $ 117,000 | $ 117,000 | $ 155,000 |
| Kay County Oklahoma | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Logan County 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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