Central National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Central National Bank 2015 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 | 1,497 |
| Total Mortgage Loan Application Amount | $199,032,000 |
| Average Mortgage Loan Application Amount | $100,000 |
| Highest Mortgage Loan Application Amount | $4,160,000 |
| Average Applicant Income | $75,333 |
| Highest Applicant Income | $7,725,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 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 2015 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 2015.
| 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 | 114 | $ 14,612,000 | $ 128,000 | $ 72,000 |
| Madison County Nebraska | 110 | $ 15,593,000 | $ 141,000 | $ 78,000 |
| Geary County Kansas | 103 | $ 12,747,000 | $ 123,000 | $ 70,000 |
| Shawnee County Kansas | 93 | $ 16,523,000 | $ 177,000 | $ 79,000 |
| Douglas County Nebraska | 71 | $ 11,811,000 | $ 166,000 | $ 93,000 |
| Riley County Kansas | 52 | $ 8,222,000 | $ 158,000 | $ 68,000 |
| Marion County Kansas | 43 | $ 3,291,000 | $ 76,000 | $ 60,000 |
| Buffalo County Nebraska | 36 | $ 4,270,000 | $ 118,000 | $ 74,000 |
| Douglas County Kansas | 35 | $ 7,118,000 | $ 203,000 | $ 88,000 |
| Saline County Kansas | 34 | $ 3,112,000 | $ 91,000 | $ 89,000 |
| Mitchell County Kansas | 33 | $ 2,874,000 | $ 87,000 | $ 57,000 |
| Johnson County Kansas | 32 | $ 6,159,000 | $ 192,000 | $ 111,000 |
| Sedgwick County Kansas | 32 | $ 5,534,000 | $ 172,000 | $ 346,000 |
| Dickinson County Kansas | 31 | $ 1,855,000 | $ 59,000 | $ 54,000 |
| Red Willow County Nebraska | 31 | $ 2,879,000 | $ 92,000 | $ 67,000 |
| Harvey County Kansas | 30 | $ 2,450,000 | $ 81,000 | $ 53,000 |
| Hall County Nebraska | 29 | $ 3,706,000 | $ 127,000 | $ 66,000 |
| Coffey County Kansas | 27 | $ 3,350,000 | $ 124,000 | $ 79,000 |
| Pottawatomie County Kansas | 27 | $ 5,397,000 | $ 199,000 | $ 92,000 |
| Greene County Missouri | 27 | $ 3,126,000 | $ 115,000 | $ 49,000 |
| Platte County Nebraska | 25 | $ 3,529,000 | $ 141,000 | $ 69,000 |
| Sarpy County Nebraska | 25 | $ 4,493,000 | $ 179,000 | $ 121,000 |
| Keith County Nebraska | 23 | $ 2,120,000 | $ 92,000 | $ 63,000 |
| Williamson County Illinois | 17 | $ 2,327,000 | $ 136,000 | $ 88,000 |
| Wayne County Nebraska | 17 | $ 2,197,000 | $ 129,000 | $ 88,000 |
| Lancaster County Nebraska | 16 | $ 2,186,000 | $ 136,000 | $ 79,000 |
| Stanton County Nebraska | 16 | $ 1,843,000 | $ 115,000 | $ 63,000 |
| Cloud County Kansas | 14 | $ 1,073,000 | $ 76,000 | $ 66,000 |
| Boone County Missouri | 13 | $ 2,339,000 | $ 179,000 | $ 67,000 |
| Laclede County Missouri | 12 | $ 860,000 | $ 71,000 | $ 44,000 |
| Pierce County Nebraska | 12 | $ 1,939,000 | $ 161,000 | $ 83,000 |
| Barton County Kansas | 11 | $ 1,240,000 | $ 112,000 | $ 219,000 |
| Jackson County Missouri | 11 | $ 1,237,000 | $ 112,000 | $ 60,000 |
| Nuckolls County Nebraska | 11 | $ 587,000 | $ 53,000 | $ 51,000 |
| Cape Girardeau County Missouri | 10 | $ 1,497,000 | $ 149,000 | $ 65,000 |
| Jasper County Missouri | 10 | $ 1,125,000 | $ 112,000 | $ 58,000 |
| Perry County Missouri | 10 | $ 1,563,000 | $ 156,000 | $ 54,000 |
| Christian County Missouri | 9 | $ 1,030,000 | $ 114,000 | $ 66,000 |
| Jackson County Illinois | 7 | $ 882,000 | $ 126,000 | $ 61,000 |
| Adams County Nebraska | 7 | $ 921,000 | $ 131,000 | $ 103,000 |
| Colfax County Nebraska | 7 | $ 769,000 | $ 109,000 | $ 50,000 |
| Dawson County Nebraska | 7 | $ 574,000 | $ 82,000 | $ 46,000 |
| Monroe County Illinois | 6 | $ 1,140,000 | $ 190,000 | $ 133,000 |
| Jewell County Kansas | 6 | $ 235,000 | $ 39,000 | $ 36,000 |
| Morris County Kansas | 6 | $ 317,000 | $ 52,000 | $ 53,000 |
| Newton County Missouri | 6 | $ 523,000 | $ 87,000 | $ 38,000 |
| Boone County Nebraska | 6 | $ 936,000 | $ 156,000 | $ 101,000 |
| Seward County Nebraska | 6 | $ 789,000 | $ 131,000 | $ 85,000 |
| Clay County Kansas | 5 | $ 520,000 | $ 104,000 | $ 74,000 |
| Lyon County Kansas | 5 | $ 714,000 | $ 142,000 | $ 91,000 |
| Antelope County Nebraska | 5 | $ 438,000 | $ 87,000 | $ 69,000 |
| Merrick County Nebraska | 5 | $ 561,000 | $ 112,000 | $ 45,000 |
| Saunders County Nebraska | 5 | $ 977,000 | $ 195,000 | $ 153,000 |
| Pottawattamie County Iowa | 4 | $ 507,000 | $ 126,000 | $ 66,000 |
| Franklin County Kansas | 4 | $ 739,000 | $ 184,000 | $ 96,000 |
| McPherson County Kansas | 4 | $ 370,000 | $ 92,000 | $ 59,000 |
| Osborne County Kansas | 4 | $ 224,000 | $ 56,000 | $ 50,000 |
| Reno County Kansas | 4 | $ 353,000 | $ 88,000 | $ 76,000 |
| Pettis County Missouri | 4 | $ 439,000 | $ 109,000 | $ 72,000 |
| Cedar County Nebraska | 4 | $ 355,000 | $ 88,000 | $ 70,000 |
| Clay County Nebraska | 4 | $ 365,000 | $ 91,000 | $ 78,000 |
| St. Clair County Illinois | 3 | $ 476,000 | $ 158,000 | $ 70,000 |
| Butler County Kansas | 3 | $ 191,000 | $ 63,000 | $ 76,000 |
| Jackson County Kansas | 3 | $ 3,605,000 | $ 1,201,000 | $ 52,000 |
| Wabaunsee County Kansas | 3 | $ 265,000 | $ 88,000 | $ 56,000 |
| Clay County Missouri | 3 | $ 529,000 | $ 176,000 | $ 73,000 |
| Scott County Missouri | 3 | $ 306,000 | $ 102,000 | $ 58,000 |
| Butler County Nebraska | 3 | $ 310,000 | $ 103,000 | $ 60,000 |
| Dodge County Nebraska | 3 | $ 196,000 | $ 65,000 | $ 74,000 |
| Hitchcock County Nebraska | 3 | $ 326,000 | $ 108,000 | $ 61,000 |
| Perkins County Nebraska | 3 | $ 202,000 | $ 67,000 | $ 85,000 |
| Polk County Nebraska | 3 | $ 226,000 | $ 75,000 | $ 73,000 |
| Scotts Bluff County Nebraska | 3 | $ 397,000 | $ 132,000 | $ 59,000 |
| York County Nebraska | 3 | $ 259,000 | $ 86,000 | $ 73,000 |
| Kit Carson County Colorado | 2 | $ 252,000 | $ 126,000 | $ 134,000 |
| Franklin County Illinois | 2 | $ 215,000 | $ 107,000 | $ 107,000 |
| Jefferson County Kansas | 2 | $ 277,000 | $ 138,000 | $ 73,000 |
| Leavenworth County Kansas | 2 | $ 657,000 | $ 328,000 | $ 116,000 |
| Miami County Kansas | 2 | $ 125,000 | $ 62,000 | $ 29,000 |
| Osage County Kansas | 2 | $ 269,000 | $ 134,000 | $ 67,000 |
| Wyandotte County Kansas | 2 | $ 182,000 | $ 91,000 | $ 14,000 |
| Benton County Missouri | 2 | $ 262,000 | $ 131,000 | $ 72,000 |
| Camden County Missouri | 2 | $ 104,000 | $ 52,000 | $ 25,000 |
| Webster County Missouri | 2 | $ 234,000 | $ 117,000 | $ 24,000 |
| Cuming County Nebraska | 2 | $ 227,000 | $ 113,000 | $ 86,000 |
| Fillmore County Nebraska | 2 | $ 258,000 | $ 129,000 | $ 43,000 |
| Hamilton County Nebraska | 2 | $ 107,000 | $ 53,000 | $ 43,000 |
| Holt County Nebraska | 2 | $ 149,000 | $ 74,000 | $ 157,000 |
| Knox County Nebraska | 2 | $ 106,000 | $ 53,000 | $ 33,000 |
| Otoe County Nebraska | 2 | $ 181,000 | $ 90,000 | $ 78,000 |
| Thurston County Nebraska | 2 | $ 273,000 | $ 136,000 | $ 64,000 |
| Bent County Colorado | 1 | $ 166,000 | $ 166,000 | $ 126,000 |
| Gunnison County Colorado | 1 | $ 233,000 | $ 233,000 | $ 650,000 |
| Larimer County Colorado | 1 | $ 310,000 | $ 310,000 | $ 102,000 |
| Hamilton County Illinois | 1 | $ 60,000 | $ 60,000 | $ 22,000 |
| Jefferson County Illinois | 1 | $ 199,000 | $ 199,000 | $ 166,000 |
| Marion County Illinois | 1 | $ 114,000 | $ 114,000 | $ 59,000 |
| Perry County Illinois | 1 | $ 110,000 | $ 110,000 | $ 117,000 |
| Union County Illinois | 1 | $ 74,000 | $ 74,000 | $ 40,000 |
| Fremont County Iowa | 1 | $ 117,000 | $ 117,000 | $ 73,000 |
| Harrison County Iowa | 1 | $ 75,000 | $ 75,000 | $ 25,000 |
| Anderson County Kansas | 1 | $ 690,000 | $ 690,000 | $ 0 |
| Atchison County Kansas | 1 | $ 195,000 | $ 195,000 | $ 120,000 |
| Ellsworth County Kansas | 1 | $ 65,000 | $ 65,000 | $ 43,000 |
| Lincoln County Kansas | 1 | $ 10,000 | $ 10,000 | $ 47,000 |
| Linn County Kansas | 1 | $ 55,000 | $ 55,000 | $ 45,000 |
| Meade County Kansas | 1 | $ 74,000 | $ 74,000 | $ 51,000 |
| Neosho County Kansas | 1 | $ 75,000 | $ 75,000 | $ 47,000 |
| Ottawa County Kansas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Republic County Kansas | 1 | $ 9,000 | $ 9,000 | $ 21,000 |
| Thomas County Kansas | 1 | $ 112,000 | $ 112,000 | $ 104,000 |
| Washington County Kansas | 1 | $ 72,000 | $ 72,000 | $ 24,000 |
| Wilson County Kansas | 1 | $ 191,000 | $ 191,000 | $ 143,000 |
| Callaway County Missouri | 1 | $ 261,000 | $ 261,000 | $ 88,000 |
| Cole County Missouri | 1 | $ 152,000 | $ 152,000 | $ 138,000 |
| Hickory County Missouri | 1 | $ 125,000 | $ 125,000 | $ 66,000 |
| Lawrence County Missouri | 1 | $ 53,000 | $ 53,000 | $ 44,000 |
| Pulaski County Missouri | 1 | $ 113,000 | $ 113,000 | $ 32,000 |
| Randolph County Missouri | 1 | $ 88,000 | $ 88,000 | $ 20,000 |
| St. Charles County Missouri | 1 | $ 115,000 | $ 115,000 | $ 94,000 |
| St. Clair County Missouri | 1 | $ 153,000 | $ 153,000 | $ 95,000 |
| St. Louis County Missouri | 1 | $ 129,000 | $ 129,000 | $ 96,000 |
| St. Louis City County Missouri | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Stone County Missouri | 1 | $ 221,000 | $ 221,000 | $ 0 |
| Taney County Missouri | 1 | $ 187,000 | $ 187,000 | $ 82,000 |
| Cass County Nebraska | 1 | $ 60,000 | $ 60,000 | $ 35,000 |
| Chase County Nebraska | 1 | $ 64,000 | $ 64,000 | $ 55,000 |
| Cheyenne County Nebraska | 1 | $ 110,000 | $ 110,000 | $ 112,000 |
| Custer County Nebraska | 1 | $ 130,000 | $ 130,000 | $ 81,000 |
| Deuel County Nebraska | 1 | $ 32,000 | $ 32,000 | $ 41,000 |
| Dixon County Nebraska | 1 | $ 60,000 | $ 60,000 | $ 37,000 |
| Dundy County Nebraska | 1 | $ 156,000 | $ 156,000 | $ 81,000 |
| Frontier County Nebraska | 1 | $ 118,000 | $ 118,000 | $ 64,000 |
| Furnas County Nebraska | 1 | $ 132,000 | $ 132,000 | $ 93,000 |
| Gage County Nebraska | 1 | $ 72,000 | $ 72,000 | $ 43,000 |
| Garfield County Nebraska | 1 | $ 53,000 | $ 53,000 | $ 38,000 |
| Harlan County Nebraska | 1 | $ 124,000 | $ 124,000 | $ 46,000 |
| Logan County Nebraska | 1 | $ 88,000 | $ 88,000 | $ 59,000 |
| Phelps County Nebraska | 1 | $ 113,000 | $ 113,000 | $ 82,000 |
| Thayer County Nebraska | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Valley County Nebraska | 1 | $ 101,000 | $ 101,000 | $ 41,000 |
| Washington County Nebraska | 1 | $ 35,000 | $ 35,000 | $ 69,000 |
Mortgage Loan Application Detail Totals for Central National Bank in 2015
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 | 850 | $128,046,000 | $150,000 | $4,160,000 | $77,000 | $1,682,000 |
| Refinancing | 572 | $68,700,000 | $120,000 | $2,150,000 | $89,000 | $7,725,000 |
| Home Improvement | 75 | $2,286,000 | $30,000 | $165,000 | $60,000 | $294,000 |
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 | 1,339 | $170,072,000 | $127,000 | $417,000 | $75,000 | $1,682,000 |
| Hispanic | 58 | $6,461,000 | $111,000 | $284,000 | $60,000 | $129,000 |
| Not Provided | 39 | $3,588,000 | $92,000 | $690,000 | $78,000 | $294,000 |
| Not applicable | 28 | $14,255,000 | $509,000 | $4,160,000 | $408,000 | $7,725,000 |
| Black or African American | 20 | $3,090,000 | $154,000 | $333,000 | $62,000 | $131,000 |
| Asian | 8 | $1,022,000 | $127,000 | $219,000 | $70,000 | $145,000 |
| American Indian or Alaskan Native | 3 | $274,000 | $91,000 | $118,000 | $64,000 | $94,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $270,000 | $135,000 | $164,000 | $65,000 | $81,000 |
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) | 1,078 | $139,944,000 | $129,000 | $4,160,000 | $87,000 | $7,725,000 |
| FHA-insured (Federal Housing Administration) | 227 | $28,461,000 | $125,000 | $348,000 | $63,000 | $330,000 |
| VA-guaranteed (Veterans Administration) | 192 | $30,627,000 | $159,000 | $417,000 | $69,000 | $299,000 |
| 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 | 825 | $112,672,000 | $136,000 | $3,300,000 | $87,000 | $7,725,000 |
| Loan Purchased By The Institution | 451 | $59,925,000 | $132,000 | $417,000 | $75,000 | $462,000 |
| Application Denied By Financial Institution | 170 | $19,484,000 | $114,000 | $4,160,000 | $56,000 | $226,000 |
| Application Withdrawn By Applicant | 44 | $6,076,000 | $138,000 | $351,000 | $110,000 | $1,682,000 |
| Application Approved But Not Accepted | 7 | $875,000 | $125,000 | $225,000 | $58,000 | $119,000 |
| 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 | 77 | $6,267,000 | $81,000 | $348,000 | $54,000 | $172,000 |
| Debt-To-Income Ratio | 50 | $4,542,000 | $90,000 | $270,000 | $51,000 | $151,000 |
| Collateral | 28 | $6,836,000 | $244,000 | $4,160,000 | $71,000 | $226,000 |
| Employment History | 7 | $603,000 | $86,000 | $109,000 | $24,000 | $48,000 |
| Credit Application Incomplete | 2 | $170,000 | $85,000 | $86,000 | $56,000 | $60,000 |
| Other | 2 | $24,000 | $12,000 | $15,000 | $56,000 | $91,000 |
| Unverifiable Information | 2 | $730,000 | $365,000 | $415,000 | $122,000 | $136,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $211,000 | $211,000 | $211,000 | $128,000 | $128,000 |
| Mortgage Insurance Denied | 1 | $101,000 | $101,000 | $101,000 | $72,000 | $72,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central National Bank's 2015 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.