Central National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
Central National Bank 2014 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 | 1,572 |
| Total Mortgage Loan Application Amount | $194,258,000 |
| Average Mortgage Loan Application Amount | $99,666 |
| Highest Mortgage Loan Application Amount | $3,867,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $1,025,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 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 2014 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 2014.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lincoln County Nebraska | 115 | $ 15,044,000 | $ 130,000 | $ 73,000 |
| Geary County Kansas | 109 | $ 14,647,000 | $ 134,000 | $ 62,000 |
| Madison County Nebraska | 87 | $ 11,183,000 | $ 128,000 | $ 73,000 |
| Shawnee County Kansas | 81 | $ 9,467,000 | $ 116,000 | $ 81,000 |
| Sedgwick County Kansas | 63 | $ 9,069,000 | $ 143,000 | $ 108,000 |
| Riley County Kansas | 61 | $ 9,232,000 | $ 151,000 | $ 82,000 |
| Douglas County Nebraska | 54 | $ 7,205,000 | $ 133,000 | $ 96,000 |
| Marion County Kansas | 40 | $ 2,769,000 | $ 69,000 | $ 79,000 |
| Saline County Kansas | 37 | $ 6,851,000 | $ 185,000 | $ 60,000 |
| Hall County Nebraska | 37 | $ 4,180,000 | $ 112,000 | $ 64,000 |
| Coffey County Kansas | 35 | $ 4,625,000 | $ 132,000 | $ 72,000 |
| Dickinson County Kansas | 34 | $ 2,627,000 | $ 77,000 | $ 60,000 |
| Greene County Missouri | 33 | $ 3,999,000 | $ 121,000 | $ 50,000 |
| Red Willow County Nebraska | 33 | $ 3,829,000 | $ 116,000 | $ 82,000 |
| Williamson County Illinois | 32 | $ 4,538,000 | $ 141,000 | $ 94,000 |
| Lancaster County Nebraska | 32 | $ 4,796,000 | $ 149,000 | $ 85,000 |
| Mitchell County Kansas | 31 | $ 2,264,000 | $ 73,000 | $ 48,000 |
| Harvey County Kansas | 30 | $ 3,223,000 | $ 107,000 | $ 58,000 |
| Douglas County Kansas | 29 | $ 4,598,000 | $ 158,000 | $ 92,000 |
| Pottawatomie County Kansas | 29 | $ 4,709,000 | $ 162,000 | $ 80,000 |
| Johnson County Kansas | 27 | $ 4,401,000 | $ 163,000 | $ 80,000 |
| Buffalo County Nebraska | 26 | $ 2,932,000 | $ 112,000 | $ 62,000 |
| Sarpy County Nebraska | 23 | $ 2,840,000 | $ 123,000 | $ 103,000 |
| Boone County Missouri | 22 | $ 3,507,000 | $ 159,000 | $ 78,000 |
| Pierce County Nebraska | 20 | $ 1,417,000 | $ 70,000 | $ 54,000 |
| Cloud County Kansas | 18 | $ 1,022,000 | $ 56,000 | $ 66,000 |
| Platte County Nebraska | 17 | $ 2,394,000 | $ 140,000 | $ 73,000 |
| Jackson County Illinois | 14 | $ 1,996,000 | $ 142,000 | $ 93,000 |
| Monroe County Illinois | 14 | $ 2,524,000 | $ 180,000 | $ 103,000 |
| Stanton County Nebraska | 14 | $ 1,739,000 | $ 124,000 | $ 64,000 |
| Morris County Kansas | 13 | $ 1,317,000 | $ 101,000 | $ 72,000 |
| Cape Girardeau County Missouri | 13 | $ 1,611,000 | $ 123,000 | $ 57,000 |
| Christian County Missouri | 11 | $ 1,398,000 | $ 127,000 | $ 49,000 |
| Dodge County Nebraska | 11 | $ 997,000 | $ 90,000 | $ 42,000 |
| Wayne County Nebraska | 11 | $ 1,291,000 | $ 117,000 | $ 66,000 |
| Keith County Nebraska | 10 | $ 1,263,000 | $ 126,000 | $ 81,000 |
| Nuckolls County Nebraska | 10 | $ 684,000 | $ 68,000 | $ 70,000 |
| Clay County Kansas | 9 | $ 938,000 | $ 104,000 | $ 65,000 |
| York County Nebraska | 9 | $ 1,118,000 | $ 124,000 | $ 95,000 |
| Jackson County Missouri | 8 | $ 1,233,000 | $ 154,000 | $ 81,000 |
| Adams County Nebraska | 8 | $ 934,000 | $ 116,000 | $ 57,000 |
| Pottawattamie County Iowa | 7 | $ 852,000 | $ 121,000 | $ 91,000 |
| Butler County Kansas | 7 | $ 665,000 | $ 95,000 | $ 67,000 |
| Jewell County Kansas | 7 | $ 457,000 | $ 65,000 | $ 50,000 |
| McPherson County Kansas | 7 | $ 592,000 | $ 84,000 | $ 73,000 |
| Camden County Missouri | 7 | $ 885,000 | $ 126,000 | $ 55,000 |
| Perry County Missouri | 7 | $ 762,000 | $ 108,000 | $ 54,000 |
| Lyon County Kansas | 6 | $ 651,000 | $ 108,000 | $ 36,000 |
| Laclede County Missouri | 6 | $ 760,000 | $ 126,000 | $ 45,000 |
| Dawson County Nebraska | 6 | $ 430,000 | $ 71,000 | $ 51,000 |
| Fillmore County Nebraska | 6 | $ 511,000 | $ 85,000 | $ 76,000 |
| Holt County Nebraska | 6 | $ 613,000 | $ 102,000 | $ 46,000 |
| Clay County Missouri | 5 | $ 503,000 | $ 100,000 | $ 57,000 |
| Cass County Nebraska | 5 | $ 887,000 | $ 177,000 | $ 108,000 |
| Deuel County Nebraska | 5 | $ 446,000 | $ 89,000 | $ 79,000 |
| Perkins County Nebraska | 5 | $ 432,000 | $ 86,000 | $ 64,000 |
| Franklin County Illinois | 4 | $ 435,000 | $ 108,000 | $ 57,000 |
| St. Clair County Illinois | 4 | $ 649,000 | $ 162,000 | $ 44,000 |
| Franklin County Kansas | 4 | $ 511,000 | $ 127,000 | $ 92,000 |
| Jackson County Kansas | 4 | $ 372,000 | $ 93,000 | $ 63,000 |
| Ottawa County Kansas | 4 | $ 623,000 | $ 155,000 | $ 73,000 |
| Jasper County Missouri | 4 | $ 587,000 | $ 146,000 | $ 67,000 |
| Johnson County Missouri | 4 | $ 562,000 | $ 140,000 | $ 48,000 |
| Polk County Missouri | 4 | $ 389,000 | $ 97,000 | $ 41,000 |
| Boone County Nebraska | 4 | $ 346,000 | $ 86,000 | $ 55,000 |
| Chase County Nebraska | 4 | $ 484,000 | $ 121,000 | $ 73,000 |
| Colfax County Nebraska | 4 | $ 286,000 | $ 71,000 | $ 54,000 |
| Hamilton County Nebraska | 4 | $ 469,000 | $ 117,000 | $ 72,000 |
| Johnson County Illinois | 3 | $ 375,000 | $ 125,000 | $ 70,000 |
| Marshall County Kansas | 3 | $ 146,000 | $ 48,000 | $ 83,000 |
| Scott County Missouri | 3 | $ 323,000 | $ 107,000 | $ 54,000 |
| Webster County Missouri | 3 | $ 261,000 | $ 87,000 | $ 41,000 |
| Butler County Nebraska | 3 | $ 233,000 | $ 77,000 | $ 92,000 |
| Clay County Nebraska | 3 | $ 148,000 | $ 49,000 | $ 65,000 |
| Howard County Nebraska | 3 | $ 305,000 | $ 101,000 | $ 38,000 |
| Seward County Nebraska | 3 | $ 230,000 | $ 76,000 | $ 59,000 |
| Kit Carson County Colorado | 2 | $ 266,000 | $ 133,000 | $ 81,000 |
| Saline County Illinois | 2 | $ 210,000 | $ 105,000 | $ 75,000 |
| Harrison County Iowa | 2 | $ 195,000 | $ 97,000 | $ 35,000 |
| Jefferson County Kansas | 2 | $ 178,000 | $ 89,000 | $ 75,000 |
| Leavenworth County Kansas | 2 | $ 463,000 | $ 231,000 | $ 79,000 |
| Osage County Kansas | 2 | $ 175,000 | $ 87,000 | $ 97,000 |
| Osborne County Kansas | 2 | $ 193,000 | $ 96,000 | $ 36,000 |
| Republic County Kansas | 2 | $ 75,000 | $ 37,000 | $ 37,000 |
| Woodson County Kansas | 2 | $ 169,000 | $ 84,000 | $ 46,000 |
| Wyandotte County Kansas | 2 | $ 276,000 | $ 138,000 | $ 62,000 |
| Audrain County Missouri | 2 | $ 234,000 | $ 117,000 | $ 57,000 |
| Callaway County Missouri | 2 | $ 476,000 | $ 238,000 | $ 93,000 |
| Douglas County Missouri | 2 | $ 74,000 | $ 37,000 | $ 82,000 |
| Randolph County Missouri | 2 | $ 206,000 | $ 103,000 | $ 54,000 |
| Antelope County Nebraska | 2 | $ 161,000 | $ 80,000 | $ 55,000 |
| Cuming County Nebraska | 2 | $ 175,000 | $ 87,000 | $ 68,000 |
| Frontier County Nebraska | 2 | $ 103,000 | $ 51,000 | $ 322,000 |
| Furnas County Nebraska | 2 | $ 149,000 | $ 74,000 | $ 85,000 |
| Garden County Nebraska | 2 | $ 202,000 | $ 101,000 | $ 36,000 |
| Hitchcock County Nebraska | 2 | $ 63,000 | $ 31,000 | $ 29,000 |
| Nemaha County Nebraska | 2 | $ 224,000 | $ 112,000 | $ 79,000 |
| Otoe County Nebraska | 2 | $ 195,000 | $ 97,000 | $ 82,000 |
| Phelps County Nebraska | 2 | $ 270,000 | $ 135,000 | $ 82,000 |
| Washington County Nebraska | 2 | $ 316,000 | $ 158,000 | $ 74,000 |
| El Paso County Colorado | 1 | $ 159,000 | $ 159,000 | $ 91,000 |
| Pueblo County Colorado | 1 | $ 198,000 | $ 198,000 | $ 0 |
| Madison County Illinois | 1 | $ 208,000 | $ 208,000 | $ 120,000 |
| Randolph County Illinois | 1 | $ 70,000 | $ 70,000 | $ 62,000 |
| Union County Illinois | 1 | $ 112,000 | $ 112,000 | $ 39,000 |
| Shelby County Iowa | 1 | $ 79,000 | $ 79,000 | $ 60,000 |
| Story County Iowa | 1 | $ 85,000 | $ 85,000 | $ 106,000 |
| Barton County Kansas | 1 | $ 3,000 | $ 3,000 | $ 35,000 |
| Decatur County Kansas | 1 | $ 87,000 | $ 87,000 | $ 45,000 |
| Doniphan County Kansas | 1 | $ 208,000 | $ 208,000 | $ 100,000 |
| Ellsworth County Kansas | 1 | $ 50,000 | $ 50,000 | $ 51,000 |
| Finney County Kansas | 1 | $ 190,000 | $ 190,000 | $ 74,000 |
| Meade County Kansas | 1 | $ 48,000 | $ 48,000 | $ 68,000 |
| Miami County Kansas | 1 | $ 95,000 | $ 95,000 | $ 67,000 |
| Sumner County Kansas | 1 | $ 62,000 | $ 62,000 | $ 35,000 |
| Barry County Missouri | 1 | $ 47,000 | $ 47,000 | $ 51,000 |
| Benton County Missouri | 1 | $ 142,000 | $ 142,000 | $ 46,000 |
| Bollinger County Missouri | 1 | $ 93,000 | $ 93,000 | $ 28,000 |
| Carter County Missouri | 1 | $ 133,000 | $ 133,000 | $ 62,000 |
| Cass County Missouri | 1 | $ 92,000 | $ 92,000 | $ 40,000 |
| DeKalb County Missouri | 1 | $ 38,000 | $ 38,000 | $ 52,000 |
| Harrison County Missouri | 1 | $ 87,000 | $ 87,000 | $ 43,000 |
| Henry County Missouri | 1 | $ 98,000 | $ 98,000 | $ 128,000 |
| Howard County Missouri | 1 | $ 110,000 | $ 110,000 | $ 81,000 |
| Jefferson County Missouri | 1 | $ 281,000 | $ 281,000 | $ 129,000 |
| Lafayette County Missouri | 1 | $ 78,000 | $ 78,000 | $ 128,000 |
| Lawrence County Missouri | 1 | $ 112,000 | $ 112,000 | $ 37,000 |
| New Madrid County Missouri | 1 | $ 120,000 | $ 120,000 | $ 248,000 |
| Newton County Missouri | 1 | $ 37,000 | $ 37,000 | $ 56,000 |
| Pettis County Missouri | 1 | $ 130,000 | $ 130,000 | $ 28,000 |
| St. Charles County Missouri | 1 | $ 160,000 | $ 160,000 | $ 90,000 |
| Ste. Genevieve County Missouri | 1 | $ 164,000 | $ 164,000 | $ 55,000 |
| Taney County Missouri | 1 | $ 91,000 | $ 91,000 | $ 49,000 |
| Wright County Missouri | 1 | $ 100,000 | $ 100,000 | $ 97,000 |
| Burt County Nebraska | 1 | $ 69,000 | $ 69,000 | $ 46,000 |
| Cedar County Nebraska | 1 | $ 66,000 | $ 66,000 | $ 73,000 |
| Custer County Nebraska | 1 | $ 205,000 | $ 205,000 | $ 103,000 |
| Dakota County Nebraska | 1 | $ 139,000 | $ 139,000 | $ 65,000 |
| Garfield County Nebraska | 1 | $ 133,000 | $ 133,000 | $ 7,000 |
| Harlan County Nebraska | 1 | $ 170,000 | $ 170,000 | $ 117,000 |
| Kimball County Nebraska | 1 | $ 105,000 | $ 105,000 | $ 88,000 |
| Knox County Nebraska | 1 | $ 59,000 | $ 59,000 | $ 82,000 |
| Logan County Nebraska | 1 | $ 221,000 | $ 221,000 | $ 78,000 |
| McPherson County Nebraska | 1 | $ 87,000 | $ 87,000 | $ 36,000 |
| Merrick County Nebraska | 1 | $ 43,000 | $ 43,000 | $ 40,000 |
| Thayer County Nebraska | 1 | $ 86,000 | $ 86,000 | $ 71,000 |
| Thurston County Nebraska | 1 | $ 140,000 | $ 140,000 | $ 109,000 |
| Valley County Nebraska | 1 | $ 79,000 | $ 79,000 | $ 49,000 |
| Webster County Nebraska | 1 | $ 80,000 | $ 80,000 | $ 71,000 |
| Codington County South Dakota | 1 | $ 170,000 | $ 170,000 | $ 56,000 |
Mortgage Loan Application Detail Totals for Central National Bank in 2014
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 | 817 | $111,069,000 | $135,000 | $938,000 | $75,000 | $1,025,000 |
| Refinancing | 678 | $79,534,000 | $117,000 | $3,867,000 | $74,000 | $512,000 |
| Home Improvement | 77 | $3,655,000 | $47,000 | $1,500,000 | $52,000 | $195,000 |
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 | 1,376 | $163,718,000 | $118,000 | $713,000 | $73,000 | $785,000 |
| Hispanic | 64 | $7,177,000 | $112,000 | $314,000 | $62,000 | $215,000 |
| Not applicable | 45 | $10,458,000 | $232,000 | $3,518,000 | $118,000 | $1,025,000 |
| Not Provided | 43 | $7,606,000 | $176,000 | $3,867,000 | $75,000 | $198,000 |
| Black or African American | 21 | $2,435,000 | $115,000 | $321,000 | $86,000 | $360,000 |
| Asian | 14 | $1,987,000 | $141,000 | $321,000 | $63,000 | $135,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $521,000 | $86,000 | $183,000 | $45,000 | $146,000 |
| American Indian or Alaskan Native | 3 | $356,000 | $118,000 | $248,000 | $57,000 | $87,000 |
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) | 1,145 | $135,488,000 | $118,000 | $3,867,000 | $76,000 | $1,025,000 |
| FHA-insured (Federal Housing Administration) | 219 | $26,358,000 | $120,000 | $275,000 | $61,000 | $296,000 |
| VA-guaranteed (Veterans Administration) | 207 | $32,387,000 | $156,000 | $417,000 | $70,000 | $170,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $25,000 | $25,000 | $25,000 | $30,000 | $30,000 |
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 | 920 | $112,497,000 | $122,000 | $3,867,000 | $75,000 | $1,025,000 |
| Loan Purchased By The Institution | 491 | $65,829,000 | $134,000 | $417,000 | $74,000 | $450,000 |
| Application Denied By Financial Institution | 128 | $12,119,000 | $94,000 | $938,000 | $57,000 | $215,000 |
| Application Withdrawn By Applicant | 25 | $3,353,000 | $134,000 | $380,000 | $66,000 | $181,000 |
| Application Approved But Not Accepted | 7 | $362,000 | $51,000 | $171,000 | $71,000 | $95,000 |
| File Closed For Incompleteness | 1 | $98,000 | $98,000 | $98,000 | $25,000 | $25,000 |
| 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 | 59 | $4,408,000 | $74,000 | $215,000 | $55,000 | $197,000 |
| Debt-To-Income Ratio | 36 | $3,941,000 | $109,000 | $713,000 | $55,000 | $179,000 |
| Collateral | 18 | $2,566,000 | $142,000 | $938,000 | $73,000 | $215,000 |
| Employment History | 7 | $570,000 | $81,000 | $112,000 | $41,000 | $64,000 |
| Credit Application Incomplete | 4 | $292,000 | $73,000 | $106,000 | $65,000 | $137,000 |
| Other | 2 | $58,000 | $29,000 | $33,000 | $44,000 | $59,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $284,000 | $142,000 | $190,000 | $80,000 | $87,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central National Bank's 2014 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.