Central National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Central National Bank 2016 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 | 1,596 |
| Total Mortgage Loan Application Amount | $224,055,000 |
| Average Mortgage Loan Application Amount | $108,000 |
| Highest Mortgage Loan Application Amount | $2,423,000 |
| Average Applicant Income | $72,666 |
| Highest Applicant Income | $833,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Madison County Nebraska | 124 | $ 18,500,000 | $ 149,000 | $ 84,000 |
| Lincoln County Nebraska | 122 | $ 15,725,000 | $ 128,000 | $ 63,000 |
| Geary County Kansas | 98 | $ 10,291,000 | $ 105,000 | $ 56,000 |
| Shawnee County Kansas | 98 | $ 15,629,000 | $ 159,000 | $ 93,000 |
| Riley County Kansas | 94 | $ 16,796,000 | $ 178,000 | $ 87,000 |
| Douglas County Nebraska | 93 | $ 17,439,000 | $ 187,000 | $ 119,000 |
| Douglas County Kansas | 50 | $ 10,663,000 | $ 213,000 | $ 97,000 |
| Red Willow County Nebraska | 49 | $ 5,260,000 | $ 107,000 | $ 80,000 |
| Sarpy County Nebraska | 47 | $ 8,232,000 | $ 175,000 | $ 103,000 |
| Johnson County Kansas | 45 | $ 8,377,000 | $ 186,000 | $ 91,000 |
| Coffey County Kansas | 36 | $ 4,667,000 | $ 129,000 | $ 80,000 |
| Boone County Missouri | 34 | $ 5,566,000 | $ 163,000 | $ 79,000 |
| Saline County Kansas | 32 | $ 3,487,000 | $ 108,000 | $ 66,000 |
| Sedgwick County Kansas | 30 | $ 5,135,000 | $ 171,000 | $ 110,000 |
| Harvey County Kansas | 29 | $ 3,069,000 | $ 105,000 | $ 68,000 |
| Pottawatomie County Kansas | 29 | $ 5,490,000 | $ 189,000 | $ 86,000 |
| Marion County Kansas | 28 | $ 3,022,000 | $ 107,000 | $ 55,000 |
| Mitchell County Kansas | 28 | $ 2,672,000 | $ 95,000 | $ 65,000 |
| Cloud County Kansas | 26 | $ 1,826,000 | $ 70,000 | $ 47,000 |
| Buffalo County Nebraska | 25 | $ 3,351,000 | $ 134,000 | $ 86,000 |
| Hall County Nebraska | 23 | $ 2,977,000 | $ 129,000 | $ 72,000 |
| Platte County Nebraska | 20 | $ 2,591,000 | $ 129,000 | $ 68,000 |
| Wayne County Nebraska | 20 | $ 2,438,000 | $ 121,000 | $ 78,000 |
| Stanton County Nebraska | 19 | $ 2,431,000 | $ 127,000 | $ 83,000 |
| Dickinson County Kansas | 18 | $ 1,453,000 | $ 80,000 | $ 57,000 |
| Lancaster County Nebraska | 18 | $ 3,020,000 | $ 167,000 | $ 85,000 |
| Pierce County Nebraska | 17 | $ 2,559,000 | $ 150,000 | $ 84,000 |
| Greene County Missouri | 14 | $ 1,712,000 | $ 122,000 | $ 48,000 |
| Laclede County Missouri | 13 | $ 987,000 | $ 75,000 | $ 52,000 |
| Jackson County Missouri | 12 | $ 1,741,000 | $ 145,000 | $ 70,000 |
| Keith County Nebraska | 12 | $ 1,168,000 | $ 97,000 | $ 82,000 |
| Nuckolls County Nebraska | 12 | $ 797,000 | $ 66,000 | $ 53,000 |
| Osborne County Kansas | 11 | $ 592,000 | $ 53,000 | $ 68,000 |
| McPherson County Kansas | 10 | $ 984,000 | $ 98,000 | $ 64,000 |
| Morris County Kansas | 10 | $ 715,000 | $ 71,000 | $ 51,000 |
| Jasper County Missouri | 8 | $ 976,000 | $ 122,000 | $ 57,000 |
| Dodge County Nebraska | 8 | $ 887,000 | $ 110,000 | $ 68,000 |
| Lyon County Kansas | 7 | $ 717,000 | $ 102,000 | $ 84,000 |
| Camden County Missouri | 7 | $ 913,000 | $ 130,000 | $ 55,000 |
| Christian County Missouri | 7 | $ 914,000 | $ 130,000 | $ 77,000 |
| Dawson County Nebraska | 7 | $ 618,000 | $ 88,000 | $ 71,000 |
| Pottawattamie County Iowa | 6 | $ 734,000 | $ 122,000 | $ 75,000 |
| Miami County Kansas | 6 | $ 942,000 | $ 157,000 | $ 75,000 |
| Wyandotte County Kansas | 6 | $ 1,100,000 | $ 183,000 | $ 151,000 |
| Cass County Nebraska | 6 | $ 1,010,000 | $ 168,000 | $ 107,000 |
| Fillmore County Nebraska | 6 | $ 571,000 | $ 95,000 | $ 105,000 |
| Seward County Nebraska | 6 | $ 520,000 | $ 86,000 | $ 47,000 |
| Jewell County Kansas | 5 | $ 207,000 | $ 41,000 | $ 35,000 |
| Colfax County Nebraska | 5 | $ 423,000 | $ 84,000 | $ 42,000 |
| Kit Carson County Colorado | 4 | $ 759,000 | $ 189,000 | $ 88,000 |
| Anderson County Kansas | 4 | $ 995,000 | $ 248,000 | $ 37,000 |
| Butler County Kansas | 4 | $ 562,000 | $ 140,000 | $ 132,000 |
| Clay County Kansas | 4 | $ 400,000 | $ 100,000 | $ 65,000 |
| Newton County Missouri | 4 | $ 497,000 | $ 124,000 | $ 44,000 |
| Randolph County Missouri | 4 | $ 421,000 | $ 105,000 | $ 42,000 |
| Adams County Nebraska | 4 | $ 338,000 | $ 84,000 | $ 54,000 |
| Franklin County Kansas | 3 | $ 464,000 | $ 154,000 | $ 113,000 |
| Jackson County Kansas | 3 | $ 709,000 | $ 236,000 | $ 55,000 |
| Jefferson County Kansas | 3 | $ 640,000 | $ 213,000 | $ 91,000 |
| Leavenworth County Kansas | 3 | $ 676,000 | $ 225,000 | $ 83,000 |
| Ottawa County Kansas | 3 | $ 234,000 | $ 78,000 | $ 52,000 |
| Republic County Kansas | 3 | $ 54,000 | $ 18,000 | $ 51,000 |
| Clay County Missouri | 3 | $ 343,000 | $ 114,000 | $ 85,000 |
| Chase County Nebraska | 3 | $ 606,000 | $ 202,000 | $ 90,000 |
| Cuming County Nebraska | 3 | $ 143,000 | $ 47,000 | $ 29,000 |
| Custer County Nebraska | 3 | $ 394,000 | $ 131,000 | $ 69,000 |
| Furnas County Nebraska | 3 | $ 431,000 | $ 143,000 | $ 91,000 |
| Kearney County Nebraska | 3 | $ 454,000 | $ 151,000 | $ 142,000 |
| Knox County Nebraska | 3 | $ 289,000 | $ 96,000 | $ 133,000 |
| Merrick County Nebraska | 3 | $ 243,000 | $ 81,000 | $ 67,000 |
| Otoe County Nebraska | 3 | $ 177,000 | $ 59,000 | $ 41,000 |
| Saunders County Nebraska | 3 | $ 546,000 | $ 182,000 | $ 110,000 |
| Washington County Nebraska | 3 | $ 664,000 | $ 221,000 | $ 67,000 |
| Benton County Arkansas | 2 | $ 476,000 | $ 238,000 | $ 111,000 |
| Osage County Kansas | 2 | $ 150,000 | $ 75,000 | $ 62,000 |
| Callaway County Missouri | 2 | $ 308,000 | $ 154,000 | $ 74,000 |
| Perry County Missouri | 2 | $ 333,000 | $ 166,000 | $ 57,000 |
| Polk County Missouri | 2 | $ 163,000 | $ 81,000 | $ 80,000 |
| Stone County Missouri | 2 | $ 293,000 | $ 146,000 | $ 56,000 |
| Antelope County Nebraska | 2 | $ 340,000 | $ 170,000 | $ 94,000 |
| Boone County Nebraska | 2 | $ 226,000 | $ 113,000 | $ 51,000 |
| Clay County Nebraska | 2 | $ 251,000 | $ 125,000 | $ 63,000 |
| Frontier County Nebraska | 2 | $ 325,000 | $ 162,000 | $ 107,000 |
| Garden County Nebraska | 2 | $ 102,000 | $ 51,000 | $ 50,000 |
| Hamilton County Nebraska | 2 | $ 194,000 | $ 97,000 | $ 52,000 |
| Hitchcock County Nebraska | 2 | $ 144,000 | $ 72,000 | $ 62,000 |
| Holt County Nebraska | 2 | $ 154,000 | $ 77,000 | $ 69,000 |
| Nance County Nebraska | 2 | $ 155,000 | $ 77,000 | $ 85,000 |
| Nemaha County Nebraska | 2 | $ 287,000 | $ 143,000 | $ 75,000 |
| Polk County Nebraska | 2 | $ 163,000 | $ 81,000 | $ 55,000 |
| Webster County Nebraska | 2 | $ 266,000 | $ 133,000 | $ 65,000 |
| York County Nebraska | 2 | $ 138,000 | $ 69,000 | $ 50,000 |
| Chaffee County Colorado | 1 | $ 307,000 | $ 307,000 | $ 62,000 |
| Summit County Colorado | 1 | $ 366,000 | $ 366,000 | $ 138,000 |
| Teller County Colorado | 1 | $ 278,000 | $ 278,000 | $ 62,000 |
| Franklin County Illinois | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Williamson County Illinois | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Dallas County Iowa | 1 | $ 182,000 | $ 182,000 | $ 64,000 |
| Harrison County Iowa | 1 | $ 178,000 | $ 178,000 | $ 85,000 |
| Mills County Iowa | 1 | $ 283,000 | $ 283,000 | $ 137,000 |
| Page County Iowa | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Polk County Iowa | 1 | $ 136,000 | $ 136,000 | $ 86,000 |
| Barton County Kansas | 1 | $ 399,000 | $ 399,000 | $ 0 |
| Ellis County Kansas | 1 | $ 237,000 | $ 237,000 | $ 121,000 |
| Lincoln County Kansas | 1 | $ 39,000 | $ 39,000 | $ 29,000 |
| Trego County Kansas | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Wabaunsee County Kansas | 1 | $ 140,000 | $ 140,000 | $ 67,000 |
| Woodson County Kansas | 1 | $ 133,000 | $ 133,000 | $ 41,000 |
| Audrain County Missouri | 1 | $ 83,000 | $ 83,000 | $ 136,000 |
| Barry County Missouri | 1 | $ 83,000 | $ 83,000 | $ 180,000 |
| Barton County Missouri | 1 | $ 75,000 | $ 75,000 | $ 33,000 |
| Cape Girardeau County Missouri | 1 | $ 123,000 | $ 123,000 | $ 74,000 |
| Cole County Missouri | 1 | $ 157,000 | $ 157,000 | $ 58,000 |
| Cooper County Missouri | 1 | $ 218,000 | $ 218,000 | $ 127,000 |
| Jefferson County Missouri | 1 | $ 227,000 | $ 227,000 | $ 0 |
| Johnson County Missouri | 1 | $ 110,000 | $ 110,000 | $ 41,000 |
| Lafayette County Missouri | 1 | $ 94,000 | $ 94,000 | $ 41,000 |
| Lincoln County Missouri | 1 | $ 123,000 | $ 123,000 | $ 46,000 |
| Monroe County Missouri | 1 | $ 182,000 | $ 182,000 | $ 71,000 |
| Pettis County Missouri | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Platte County Missouri | 1 | $ 231,000 | $ 231,000 | $ 63,000 |
| Ray County Missouri | 1 | $ 214,000 | $ 214,000 | $ 165,000 |
| Saline County Missouri | 1 | $ 251,000 | $ 251,000 | $ 152,000 |
| St. Charles County Missouri | 1 | $ 140,000 | $ 140,000 | $ 117,000 |
| St. Louis County Missouri | 1 | $ 291,000 | $ 291,000 | $ 36,000 |
| Texas County Missouri | 1 | $ 39,000 | $ 39,000 | $ 32,000 |
| Webster County Missouri | 1 | $ 67,000 | $ 67,000 | $ 33,000 |
| Deuel County Nebraska | 1 | $ 112,000 | $ 112,000 | $ 88,000 |
| Dundy County Nebraska | 1 | $ 109,000 | $ 109,000 | $ 61,000 |
| Hayes County Nebraska | 1 | $ 105,000 | $ 105,000 | $ 75,000 |
| Logan County Nebraska | 1 | $ 88,000 | $ 88,000 | $ 89,000 |
| Morrill County Nebraska | 1 | $ 115,000 | $ 115,000 | $ 126,000 |
| Perkins County Nebraska | 1 | $ 79,000 | $ 79,000 | $ 31,000 |
| Sherman County Nebraska | 1 | $ 63,000 | $ 63,000 | $ 70,000 |
| Ottawa County Oklahoma | 1 | $ 150,000 | $ 150,000 | $ 0 |
Mortgage Loan Application Detail Totals for Central National Bank in 2016
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 | 865 | $128,637,000 | $148,000 | $2,423,000 | $77,000 | $833,000 |
| Refinancing | 650 | $92,605,000 | $142,000 | $1,275,000 | $84,000 | $622,000 |
| Home Improvement | 81 | $2,813,000 | $34,000 | $285,000 | $57,000 | $303,000 |
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 | 1,424 | $195,181,000 | $137,000 | $417,000 | $79,000 | $833,000 |
| Hispanic | 68 | $7,755,000 | $114,000 | $413,000 | $61,000 | $446,000 |
| Not Provided | 36 | $4,504,000 | $125,000 | $867,000 | $63,000 | $192,000 |
| Black or African American | 27 | $4,071,000 | $150,000 | $417,000 | $61,000 | $229,000 |
| Not applicable | 18 | $9,360,000 | $520,000 | $2,423,000 | $184,000 | $494,000 |
| Asian | 18 | $2,593,000 | $144,000 | $245,000 | $119,000 | $613,000 |
| American Indian or Alaskan Native | 5 | $591,000 | $118,000 | $166,000 | $33,000 | $76,000 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 1,198 | $166,954,000 | $139,000 | $2,423,000 | $86,000 | $833,000 |
| FHA-insured (Federal Housing Administration) | 235 | $29,869,000 | $127,000 | $271,000 | $56,000 | $225,000 |
| VA-guaranteed (Veterans Administration) | 161 | $27,175,000 | $168,000 | $417,000 | $58,000 | $220,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $57,000 | $28,000 | $30,000 | $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 | 847 | $127,678,000 | $150,000 | $2,423,000 | $86,000 | $833,000 |
| Loan Purchased By The Institution | 514 | $70,375,000 | $136,000 | $417,000 | $72,000 | $458,000 |
| Application Denied By Financial Institution | 156 | $15,298,000 | $98,000 | $417,000 | $55,000 | $196,000 |
| Application Withdrawn By Applicant | 70 | $10,130,000 | $144,000 | $413,000 | $91,000 | $309,000 |
| Application Approved But Not Accepted | 7 | $439,000 | $62,000 | $130,000 | $117,000 | $494,000 |
| File Closed For Incompleteness | 2 | $135,000 | $67,000 | $90,000 | $115,000 | $192,000 |
| 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 | 68 | $6,156,000 | $90,000 | $417,000 | $58,000 | $196,000 |
| Debt-To-Income Ratio | 35 | $3,648,000 | $104,000 | $325,000 | $41,000 | $122,000 |
| Collateral | 27 | $3,322,000 | $123,000 | $345,000 | $70,000 | $194,000 |
| Credit Application Incomplete | 11 | $895,000 | $81,000 | $190,000 | $47,000 | $89,000 |
| Employment History | 7 | $595,000 | $85,000 | $137,000 | $40,000 | $63,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $269,000 | $67,000 | $104,000 | $66,000 | $146,000 |
| Other | 3 | $323,000 | $107,000 | $246,000 | $55,000 | $107,000 |
| Unverifiable Information | 1 | $90,000 | $90,000 | $90,000 | $47,000 | $47,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central National Bank's 2016 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.