Central National Bank Mortgage Lending & HMDA Data, 2013

In 2013, Central National Bank of Junction City, KS reported 2,024 mortgage applications totaling $259.6 million, down 23% from 2012. The average application was for $128,250, and applicants reported an average income of $75,762. 55% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Manhattan, KS (211), Omaha-Council Bluffs, NE-IA (135) and Topeka, KS (132) (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
Years 2025  2024  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 2,024
Total Mortgage Loan Application Amount $259,578,000
Average Mortgage Loan Application Amount $128,250
Highest Mortgage Loan Application Amount $1,572,000
Average Applicant Income $75,762
Highest Applicant Income $730,000

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(HMDA) records Central National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Madison, Nebraska 135 $ 18,388,000 $ 136,207 $ 81,000
Lincoln, Nebraska 126 $ 16,781,000 $ 133,182 $ 73,000
Geary, Kansas 124 $ 15,617,000 $ 125,943 $ 70,000
Shawnee, Kansas 109 $ 14,158,000 $ 129,889 $ 74,000
Douglas, Kansas 93 $ 16,342,000 $ 175,720 $ 76,000
Douglas, Nebraska 82 $ 12,983,000 $ 158,329 $ 102,000
Marion, Kansas 71 $ 5,846,000 $ 82,338 $ 61,000
Riley, Kansas 67 $ 12,558,000 $ 187,432 $ 109,000
Greene, Missouri 63 $ 8,582,000 $ 136,222 $ 56,000
Harvey, Kansas 55 $ 6,418,000 $ 116,690 $ 68,000
Sedgwick, Kansas 51 $ 8,002,000 $ 156,901 $ 116,000
Buffalo, Nebraska 42 $ 5,795,000 $ 137,976 $ 76,000
Red Willow, Nebraska 41 $ 4,173,000 $ 101,780 $ 74,000
Coffey, Kansas 40 $ 4,738,000 $ 118,450 $ 83,000
Dickinson, Kansas 40 $ 4,420,000 $ 110,500 $ 68,000
Mitchell, Kansas 36 $ 2,910,000 $ 80,833 $ 71,000
Sarpy, Nebraska 35 $ 5,307,000 $ 151,628 $ 101,000
Johnson, Kansas 31 $ 4,108,000 $ 132,516 $ 76,000
Platte, Nebraska 31 $ 3,768,000 $ 121,548 $ 69,000
Williamson, Illinois 29 $ 3,729,000 $ 128,586 $ 84,000
Boone, Missouri 28 $ 4,980,000 $ 177,857 $ 84,000
Cloud, Kansas 27 $ 1,477,000 $ 54,703 $ 93,000
Christian, Missouri 27 $ 3,210,000 $ 118,888 $ 64,000
Saline, Kansas 26 $ 2,933,000 $ 112,807 $ 61,000
Hall, Nebraska 25 $ 2,859,000 $ 114,360 $ 65,000
Jasper, Missouri 23 $ 2,918,000 $ 126,869 $ 61,000
Pierce, Nebraska 23 $ 2,865,000 $ 124,565 $ 68,000
Pottawatomie, Kansas 20 $ 3,129,000 $ 156,450 $ 76,000
Lancaster, Nebraska 20 $ 2,892,000 $ 144,600 $ 81,000
Stanton, Nebraska 18 $ 2,156,000 $ 119,777 $ 66,000
Laclede, Missouri 17 $ 1,889,000 $ 111,117 $ 62,000
Polk, Missouri 15 $ 1,754,000 $ 116,933 $ 65,000
Cape Girardeau, Missouri 14 $ 1,937,000 $ 138,357 $ 74,000
Jackson, Missouri 14 $ 1,477,000 $ 105,500 $ 55,000
Adams, Nebraska 14 $ 1,757,000 $ 125,500 $ 73,000
Morris, Kansas 12 $ 631,000 $ 52,583 $ 54,000
Osage, Kansas 11 $ 1,107,000 $ 100,636 $ 78,000
Clay, Missouri 11 $ 1,333,000 $ 121,181 $ 61,000
Jackson, Illinois 10 $ 1,342,000 $ 134,200 $ 74,000
Nuckolls, Nebraska 10 $ 604,000 $ 60,400 $ 65,000
Butler, Kansas 9 $ 752,000 $ 83,555 $ 45,000
Dodge, Nebraska 9 $ 1,058,000 $ 117,555 $ 64,000
Merrick, Nebraska 9 $ 1,005,000 $ 111,666 $ 101,000
Anderson, Kansas 8 $ 835,000 $ 104,375 $ 70,000
Perry, Missouri 8 $ 790,000 $ 98,750 $ 51,000
Fillmore, Nebraska 8 $ 1,097,000 $ 137,125 $ 132,000
Hitchcock, Nebraska 8 $ 550,000 $ 68,750 $ 55,000
Holt, Nebraska 8 $ 987,000 $ 123,375 $ 79,000
Osborne, Kansas 7 $ 464,000 $ 66,285 $ 56,000
Taney, Missouri 7 $ 959,000 $ 137,000 $ 64,000
Webster, Missouri 7 $ 1,018,000 $ 145,428 $ 61,000
Dawson, Nebraska 7 $ 738,000 $ 105,428 $ 75,000
Keith, Nebraska 7 $ 843,000 $ 120,428 $ 101,000
Wayne, Nebraska 7 $ 602,000 $ 86,000 $ 35,000
Monroe, Illinois 6 $ 852,000 $ 142,000 $ 35,000
Franklin, Kansas 6 $ 829,000 $ 138,166 $ 78,000
Jefferson, Kansas 6 $ 1,020,000 $ 170,000 $ 95,000
Lawrence, Missouri 6 $ 445,000 $ 74,166 $ 46,000
Scott, Missouri 6 $ 496,000 $ 82,666 $ 51,000
Saunders, Nebraska 6 $ 942,000 $ 157,000 $ 81,000
Randolph, Missouri 5 $ 506,000 $ 101,200 $ 69,000
Colfax, Nebraska 5 $ 715,000 $ 143,000 $ 82,000
Cuming, Nebraska 5 $ 743,000 $ 148,600 $ 63,000
York, Nebraska 5 $ 599,000 $ 119,800 $ 65,000
Clay, Kansas 4 $ 639,000 $ 159,750 $ 76,000
McPherson, Kansas 4 $ 376,000 $ 94,000 $ 104,000
Miami, Kansas 4 $ 799,000 $ 199,750 $ 101,000
Wabaunsee, Kansas 4 $ 407,000 $ 101,750 $ 70,000
Wyandotte, Kansas 4 $ 455,000 $ 113,750 $ 91,000
Pettis, Missouri 4 $ 537,000 $ 134,250 $ 51,000
Wright, Missouri 4 $ 466,000 $ 116,500 $ 131,000
Cass, Nebraska 4 $ 605,000 $ 151,250 $ 80,000
Polk, Nebraska 4 $ 661,000 $ 165,250 $ 91,000
Franklin, Illinois 3 $ 542,000 $ 180,666 $ 84,000
Perry, Illinois 3 $ 259,000 $ 86,333 $ 67,000
St. Clair, Illinois 3 $ 274,000 $ 91,333 $ 40,000
Harrison, Iowa 3 $ 220,000 $ 73,333 $ 55,000
Pottawattamie, Iowa 3 $ 317,000 $ 105,666 $ 72,000
Jewell, Kansas 3 $ 122,000 $ 40,666 $ 53,000
Leavenworth, Kansas 3 $ 335,000 $ 111,666 $ 45,000
Reno, Kansas 3 $ 419,000 $ 139,666 $ 88,000
Camden, Missouri 3 $ 438,000 $ 146,000 $ 97,000
Douglas, Missouri 3 $ 422,000 $ 140,666 $ 56,000
Platte, Missouri 3 $ 654,000 $ 218,000 $ 128,000
Antelope, Nebraska 3 $ 293,000 $ 97,666 $ 61,000
Chase, Nebraska 3 $ 320,000 $ 106,666 $ 78,000
Clay, Nebraska 3 $ 291,000 $ 97,000 $ 58,000
Frontier, Nebraska 3 $ 387,000 $ 129,000 $ 91,000
Hamilton, Nebraska 3 $ 293,000 $ 97,666 $ 57,000
Logan, Nebraska 3 $ 249,000 $ 83,000 $ 62,000
Johnson, Illinois 2 $ 327,000 $ 163,500 $ 48,000
Atchison, Kansas 2 $ 575,000 $ 287,500 $ 52,000
Edwards, Kansas 2 $ 132,000 $ 66,000 $ 43,000
Jackson, Kansas 2 $ 189,000 $ 94,500 $ 56,000
Lyon, Kansas 2 $ 64,000 $ 32,000 $ 21,000
Ottawa, Kansas 2 $ 174,000 $ 87,000 $ 80,000
Smith, Kansas 2 $ 61,000 $ 30,500 $ 25,000
Callaway, Missouri 2 $ 330,000 $ 165,000 $ 76,000
Cass, Missouri 2 $ 292,000 $ 146,000 $ 17,000
Cedar, Missouri 2 $ 169,000 $ 84,500 $ 50,000
Dade, Missouri 2 $ 98,000 $ 49,000 $ 30,000
Henry, Missouri 2 $ 220,000 $ 110,000 $ 63,000
Hickory, Missouri 2 $ 150,000 $ 75,000 $ 60,000
Newton, Missouri 2 $ 633,000 $ 316,500 $ 181,000
Ozark, Missouri 2 $ 92,000 $ 46,000 $ 26,000
Knox, Nebraska 2 $ 180,000 $ 90,000 $ 79,000
Nemaha, Nebraska 2 $ 394,000 $ 197,000 $ 114,000
Pawnee, Nebraska 2 $ 236,000 $ 118,000 $ 60,000
Seward, Nebraska 2 $ 191,000 $ 95,500 $ 62,000
Valley, Nebraska 2 $ 180,000 $ 90,000 $ 105,000
Washington, Nebraska 2 $ 252,000 $ 126,000 $ 79,000
Webster, Nebraska 2 $ 85,000 $ 42,500 $ 70,000
Boone, Arkansas 1 $ 169,000 $ 169,000 $ 177,000
Pulaski, Arkansas 1 $ 74,000 $ 74,000 $ 0
Kit Carson, Colorado 1 $ 156,000 $ 156,000 $ 633,000
Lake, Colorado 1 $ 247,000 $ 247,000 $ 196,000
Boone, Illinois 1 $ 214,000 $ 214,000 $ 107,000
Gallatin, Illinois 1 $ 89,000 $ 89,000 $ 82,000
Saline, Illinois 1 $ 98,000 $ 98,000 $ 131,000
Fremont, Iowa 1 $ 136,000 $ 136,000 $ 160,000
Montgomery, Iowa 1 $ 203,000 $ 203,000 $ 75,000
Shelby, Iowa 1 $ 37,000 $ 37,000 $ 25,000
Barber, Kansas 1 $ 85,000 $ 85,000 $ 72,000
Decatur, Kansas 1 $ 71,000 $ 71,000 $ 83,000
Ellis, Kansas 1 $ 121,000 $ 121,000 $ 36,000
Ford, Kansas 1 $ 10,000 $ 10,000 $ 57,000
Lincoln, Kansas 1 $ 5,000 $ 5,000 $ 16,000
Neosho, Kansas 1 $ 70,000 $ 70,000 $ 38,000
Pratt, Kansas 1 $ 94,000 $ 94,000 $ 95,000
Republic, Kansas 1 $ 68,000 $ 68,000 $ 87,000
Washington, Kansas 1 $ 33,000 $ 33,000 $ 45,000
Wilson, Kansas 1 $ 52,000 $ 52,000 $ 100,000
Woodson, Kansas 1 $ 5,000 $ 5,000 $ 21,000
Audrain, Missouri 1 $ 132,000 $ 132,000 $ 31,000
Benton, Missouri 1 $ 105,000 $ 105,000 $ 81,000
Clinton, Missouri 1 $ 164,000 $ 164,000 $ 21,000
Cole, Missouri 1 $ 120,000 $ 120,000 $ 97,000
Cooper, Missouri 1 $ 169,000 $ 169,000 $ 54,000
Dallas, Missouri 1 $ 148,000 $ 148,000 $ 154,000
Howell, Missouri 1 $ 109,000 $ 109,000 $ 107,000
Jefferson, Missouri 1 $ 243,000 $ 243,000 $ 49,000
Lafayette, Missouri 1 $ 60,000 $ 60,000 $ 26,000
Lincoln, Missouri 1 $ 200,000 $ 200,000 $ 42,000
Monroe, Missouri 1 $ 196,000 $ 196,000 $ 92,000
Morgan, Missouri 1 $ 174,000 $ 174,000 $ 76,000
Ray, Missouri 1 $ 143,000 $ 143,000 $ 67,000
St. Clair, Missouri 1 $ 122,000 $ 122,000 $ 74,000
St. Louis, Missouri 1 $ 135,000 $ 135,000 $ 124,000
Ste. Genevieve, Missouri 1 $ 149,000 $ 149,000 $ 78,000
Stone, Missouri 1 $ 89,000 $ 89,000 $ 20,000
Vernon, Missouri 1 $ 117,000 $ 117,000 $ 79,000
Boyd, Nebraska 1 $ 49,000 $ 49,000 $ 44,000
Burt, Nebraska 1 $ 167,000 $ 167,000 $ 144,000
Butler, Nebraska 1 $ 58,000 $ 58,000 $ 42,000
Cedar, Nebraska 1 $ 39,000 $ 39,000 $ 29,000
Custer, Nebraska 1 $ 121,000 $ 121,000 $ 60,000
Deuel, Nebraska 1 $ 78,000 $ 78,000 $ 93,000
Dixon, Nebraska 1 $ 61,000 $ 61,000 $ 50,000
Dundy, Nebraska 1 $ 115,000 $ 115,000 $ 56,000
Furnas, Nebraska 1 $ 124,000 $ 124,000 $ 54,000
Gage, Nebraska 1 $ 76,000 $ 76,000 $ 62,000
Garfield, Nebraska 1 $ 153,000 $ 153,000 $ 0
Hayes, Nebraska 1 $ 88,000 $ 88,000 $ 73,000
Howard, Nebraska 1 $ 53,000 $ 53,000 $ 35,000
Kearney, Nebraska 1 $ 63,000 $ 63,000 $ 64,000
Nance, Nebraska 1 $ 152,000 $ 152,000 $ 52,000
Otoe, Nebraska 1 $ 68,000 $ 68,000 $ 30,000
Perkins, Nebraska 1 $ 45,000 $ 45,000 $ 24,000
Phelps, Nebraska 1 $ 327,000 $ 327,000 $ 158,000
Scotts Bluff, Nebraska 1 $ 112,000 $ 112,000 $ 38,000
Thayer, Nebraska 1 $ 112,000 $ 112,000 $ 65,000
Jackson, Oklahoma 1 $ 126,000 $ 126,000 $ 44,000
Codington, South Dakota 1 $ 172,000 $ 172,000 $ 33,000
Yankton, South Dakota 1 $ 85,000 $ 85,000 $ 53,000

Mortgage Loan Application Detail Totals for Central National Bank in 2013

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 1,166 $153,194,000 $131,000 $1,572,000 $79,000 $633,000
Home Purchase 780 $103,933,000 $133,000 $720,000 $73,000 $730,000
Home Improvement 78 $2,451,000 $31,000 $220,000 $55,000 $180,000

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 1,868 $237,283,000 $127,000 $1,572,000 $76,000 $730,000
Hispanic 44 $4,494,000 $102,000 $254,000 $53,000 $120,000
Not Provided 37 $3,151,000 $85,000 $252,000 $78,000 $224,000
Black or African American 28 $4,136,000 $147,000 $342,000 $79,000 $239,000
Not applicable 22 $7,680,000 $349,000 $1,485,000 $128,000 $624,000
Asian 17 $2,020,000 $118,000 $315,000 $78,000 $257,000
American Indian or Alaskan Native 4 $233,000 $58,000 $113,000 $34,000 $50,000
Native Hawaiian or Other Pacific Islander 4 $581,000 $145,000 $284,000 $65,000 $100,000

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) 1,485 $185,802,000 $125,000 $1,572,000 $81,000 $730,000
FHA-insured (Federal Housing Administration) 299 $36,854,000 $123,000 $276,000 $59,000 $202,000
VA-guaranteed (Veterans Administration) 240 $36,922,000 $153,000 $399,000 $66,000 $277,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

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 1,116 $146,656,000 $131,000 $1,572,000 $80,000 $632,000
Loan Purchased By The Institution 736 $95,736,000 $130,000 $417,000 $72,000 $730,000
Application Denied By Financial Institution 150 $14,942,000 $99,000 $315,000 $64,000 $337,000
Application Withdrawn By Applicant 18 $2,019,000 $112,000 $260,000 $81,000 $322,000
Application Approved But Not Accepted 4 $225,000 $56,000 $154,000 $38,000 $59,000
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 64 $4,882,000 $76,000 $275,000 $52,000 $200,000
Debt-To-Income Ratio 38 $3,952,000 $104,000 $265,000 $51,000 $297,000
Collateral 28 $3,627,000 $129,000 $315,000 $82,000 $337,000
Insufficient Cash (Downpayment, Closing Cost) 6 $752,000 $125,000 $193,000 $172,000 $224,000
Employment History 4 $316,000 $79,000 $161,000 $46,000 $65,000
Credit Application Incomplete 3 $458,000 $152,000 $259,000 $87,000 $180,000
Mortgage Insurance Denied 3 $536,000 $178,000 $243,000 $97,000 $131,000
Other 3 $247,000 $82,000 $177,000 $70,000 $141,000
Unverifiable Information 1 $172,000 $172,000 $172,000 $70,000 $70,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Central National Bank's 2013 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.
For a list of all lenders in Kansas, download the full spreadsheet with aggregated HMDA statistics today.

Download the Kansas Lender List