Central National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Central National Bank 2020 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 | 1,996 |
| Total Mortgage Loan Application Amount | $376,670,000 |
| Average Mortgage Loan Application Amount | $166,600 |
| Highest Mortgage Loan Application Amount | $6,005,000 |
| Average Applicant Income | $110,000 |
| Highest Applicant Income | $811,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Shawnee County Kansas | 172 | $ 30,980,000 | $ 180,000 | $ 93,000 |
| Johnson County Kansas | 164 | $ 37,280,000 | $ 227,000 | $ 102,000 |
| Boone County Missouri | 155 | $ 34,275,000 | $ 221,000 | $ 88,000 |
| Riley County Kansas | 130 | $ 25,400,000 | $ 195,000 | $ 97,000 |
| Douglas County Nebraska | 129 | $ 26,645,000 | $ 206,000 | $ 109,000 |
| Geary County Kansas | 89 | $ 12,815,000 | $ 143,000 | $ 86,000 |
| Douglas County Kansas | 85 | $ 24,615,000 | $ 289,000 | $ 111,000 |
| Red Willow County Nebraska | 62 | $ 10,930,000 | $ 176,000 | $ 94,000 |
| Sedgwick County Kansas | 57 | $ 10,645,000 | $ 186,000 | $ 120,000 |
| Sarpy County Nebraska | 49 | $ 10,845,000 | $ 221,000 | $ 123,000 |
| Pottawatomie County Kansas | 48 | $ 10,370,000 | $ 216,000 | $ 92,000 |
| Saline County Kansas | 47 | $ 7,335,000 | $ 156,000 | $ 92,000 |
| Harvey County Kansas | 46 | $ 6,350,000 | $ 138,000 | $ 89,000 |
| Mitchell County Kansas | 43 | $ 5,555,000 | $ 129,000 | $ 84,000 |
| Madison County Nebraska | 43 | $ 6,705,000 | $ 155,000 | $ 99,000 |
| Lancaster County Nebraska | 38 | $ 7,820,000 | $ 205,000 | $ 109,000 |
| Marion County Kansas | 35 | $ 3,645,000 | $ 104,000 | $ 77,000 |
| Coffey County Kansas | 26 | $ 3,460,000 | $ 133,000 | $ 95,000 |
| Cloud County Kansas | 23 | $ 2,035,000 | $ 88,000 | $ 68,000 |
| Lincoln County Nebraska | 23 | $ 3,625,000 | $ 157,000 | $ 105,000 |
| Dickinson County Kansas | 20 | $ 2,920,000 | $ 146,000 | $ 70,000 |
| Miami County Kansas | 20 | $ 4,370,000 | $ 218,000 | $ 88,000 |
| Jackson County Missouri | 17 | $ 3,025,000 | $ 177,000 | $ 84,000 |
| Fillmore County Nebraska | 15 | $ 2,325,000 | $ 155,000 | $ 141,000 |
| Franklin County Kansas | 14 | $ 3,360,000 | $ 240,000 | $ 101,000 |
| Platte County Missouri | 14 | $ 3,540,000 | $ 252,000 | $ 59,000 |
| Nuckolls County Nebraska | 13 | $ 1,065,000 | $ 81,000 | $ 60,000 |
| Leavenworth County Kansas | 12 | $ 2,970,000 | $ 247,000 | $ 134,000 |
| Clay County Missouri | 12 | $ 2,680,000 | $ 223,000 | $ 83,000 |
| Randolph County Missouri | 12 | $ 1,990,000 | $ 165,000 | $ 76,000 |
| Wyandotte County Kansas | 11 | $ 2,035,000 | $ 185,000 | $ 90,000 |
| Greene County Missouri | 11 | $ 1,575,000 | $ 143,000 | $ 87,000 |
| Hall County Nebraska | 11 | $ 2,015,000 | $ 183,000 | $ 90,000 |
| Adams County Nebraska | 10 | $ 1,520,000 | $ 152,000 | $ 67,000 |
| Buffalo County Nebraska | 10 | $ 2,200,000 | $ 220,000 | $ 86,000 |
| Barton County Kansas | 9 | $ 1,445,000 | $ 160,000 | $ 115,000 |
| Clay County Kansas | 9 | $ 1,315,000 | $ 146,000 | $ 84,000 |
| McPherson County Kansas | 9 | $ 1,235,000 | $ 137,000 | $ 91,000 |
| Morris County Kansas | 9 | $ 1,445,000 | $ 160,000 | $ 120,000 |
| Pierce County Nebraska | 9 | $ 1,255,000 | $ 139,000 | $ 84,000 |
| Jefferson County Kansas | 8 | $ 1,620,000 | $ 202,000 | $ 100,000 |
| Jewell County Kansas | 8 | $ 600,000 | $ 75,000 | $ 76,000 |
| Callaway County Missouri | 8 | $ 1,450,000 | $ 181,000 | $ 106,000 |
| Hamilton County Nebraska | 8 | $ 1,810,000 | $ 226,000 | $ 93,000 |
| Saline County Nebraska | 8 | $ 1,510,000 | $ 188,000 | $ 122,000 |
| Cass County Nebraska | 7 | $ 1,475,000 | $ 210,000 | $ 92,000 |
| Hitchcock County Nebraska | 7 | $ 1,685,000 | $ 240,000 | $ 129,000 |
| Jefferson County Nebraska | 7 | $ 1,565,000 | $ 223,000 | $ 0 |
| Camden County Missouri | 6 | $ 1,140,000 | $ 190,000 | $ 66,000 |
| Cass County Missouri | 6 | $ 990,000 | $ 165,000 | $ 70,000 |
| Antelope County Nebraska | 6 | $ 1,180,000 | $ 196,000 | $ 153,000 |
| Platte County Nebraska | 6 | $ 660,000 | $ 110,000 | $ 75,000 |
| Thayer County Nebraska | 6 | $ 1,280,000 | $ 213,000 | $ 0 |
| Jackson County Kansas | 5 | $ 715,000 | $ 143,000 | $ 79,000 |
| Cooper County Missouri | 5 | $ 685,000 | $ 137,000 | $ 0 |
| Howard County Missouri | 5 | $ 945,000 | $ 189,000 | $ 0 |
| Dodge County Nebraska | 5 | $ 565,000 | $ 113,000 | $ 54,000 |
| Saunders County Nebraska | 5 | $ 1,295,000 | $ 259,000 | $ 209,000 |
| Seward County Nebraska | 5 | $ 1,115,000 | $ 223,000 | $ 113,000 |
| Washington County Nebraska | 5 | $ 725,000 | $ 145,000 | $ 83,000 |
| Wayne County Nebraska | 5 | $ 1,095,000 | $ 219,000 | $ 157,000 |
| Butler County Kansas | 4 | $ 370,000 | $ 92,000 | $ 66,000 |
| Ellis County Kansas | 4 | $ 680,000 | $ 170,000 | $ 115,000 |
| Republic County Kansas | 4 | $ 390,000 | $ 97,000 | $ 49,000 |
| Wabaunsee County Kansas | 4 | $ 500,000 | $ 125,000 | $ 123,000 |
| Audrain County Missouri | 4 | $ 880,000 | $ 220,000 | $ 0 |
| Christian County Missouri | 4 | $ 450,000 | $ 112,000 | $ 55,000 |
| Jasper County Missouri | 4 | $ 750,000 | $ 187,000 | $ 147,000 |
| Johnson County Missouri | 4 | $ 650,000 | $ 162,000 | $ 60,000 |
| Newton County Missouri | 4 | $ 490,000 | $ 122,000 | $ 80,000 |
| Clay County Nebraska | 4 | $ 990,000 | $ 247,000 | $ 76,000 |
| Stanton County Nebraska | 4 | $ 930,000 | $ 232,000 | $ 79,000 |
| Mills County Iowa | 3 | $ 805,000 | $ 268,000 | $ 96,000 |
| Pottawattamie County Iowa | 3 | $ 595,000 | $ 198,000 | $ 113,000 |
| Lincoln County Kansas | 3 | $ 235,000 | $ 78,000 | $ 30,000 |
| Lyon County Kansas | 3 | $ 545,000 | $ 181,000 | $ 121,000 |
| Osage County Kansas | 3 | $ 635,000 | $ 211,000 | $ 115,000 |
| Benton County Missouri | 3 | $ 275,000 | $ 91,000 | $ 46,000 |
| Polk County Missouri | 3 | $ 315,000 | $ 105,000 | $ 60,000 |
| Webster County Missouri | 3 | $ 405,000 | $ 135,000 | $ 98,000 |
| Boone County Nebraska | 3 | $ 575,000 | $ 191,000 | $ 164,000 |
| Chase County Nebraska | 3 | $ 725,000 | $ 241,000 | $ 78,000 |
| Keith County Nebraska | 3 | $ 525,000 | $ 175,000 | $ 78,000 |
| El Paso County Colorado | 2 | $ 1,040,000 | $ 520,000 | $ 0 |
| Pueblo County Colorado | 2 | $ 430,000 | $ 215,000 | $ 141,000 |
| Jackson County Illinois | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Harrison County Iowa | 2 | $ 250,000 | $ 125,000 | $ 51,000 |
| Ford County Kansas | 2 | $ 390,000 | $ 195,000 | $ 99,000 |
| Greenwood County Kansas | 2 | $ 200,000 | $ 100,000 | $ 52,000 |
| Ottawa County Kansas | 2 | $ 170,000 | $ 85,000 | $ 92,000 |
| Russell County Kansas | 2 | $ 690,000 | $ 345,000 | $ 496,000 |
| Wilson County Kansas | 2 | $ 140,000 | $ 70,000 | $ 43,000 |
| Cape Girardeau County Missouri | 2 | $ 370,000 | $ 185,000 | $ 55,000 |
| Lafayette County Missouri | 2 | $ 580,000 | $ 290,000 | $ 146,000 |
| Morgan County Missouri | 2 | $ 350,000 | $ 175,000 | $ 92,000 |
| St. Charles County Missouri | 2 | $ 650,000 | $ 325,000 | $ 145,000 |
| Custer County Nebraska | 2 | $ 470,000 | $ 235,000 | $ 103,000 |
| Frontier County Nebraska | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Nemaha County Nebraska | 2 | $ 460,000 | $ 230,000 | $ 106,000 |
| Adams County Colorado | 1 | $ 445,000 | $ 445,000 | $ 85,000 |
| Kit Carson County Colorado | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Sedgwick County Colorado | 1 | $ 85,000 | $ 85,000 | $ 89,000 |
| Teller County Colorado | 1 | $ 305,000 | $ 305,000 | $ 110,000 |
| Weld County Colorado | 1 | $ 385,000 | $ 385,000 | $ 60,000 |
| Williamson County Illinois | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Fremont County Iowa | 1 | $ 85,000 | $ 85,000 | $ 84,000 |
| Shelby County Iowa | 1 | $ 35,000 | $ 35,000 | $ 42,000 |
| Sioux County Iowa | 1 | $ 315,000 | $ 315,000 | $ 71,000 |
| Chase County Kansas | 1 | $ 105,000 | $ 105,000 | $ 80,000 |
| Cheyenne County Kansas | 1 | $ 45,000 | $ 45,000 | $ 15,000 |
| Cowley County Kansas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Doniphan County Kansas | 1 | $ 235,000 | $ 235,000 | $ 68,000 |
| Ellsworth County Kansas | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Finney County Kansas | 1 | $ 125,000 | $ 125,000 | $ 21,000 |
| Harper County Kansas | 1 | $ 115,000 | $ 115,000 | $ 73,000 |
| Linn County Kansas | 1 | $ 215,000 | $ 215,000 | $ 170,000 |
| Nemaha County Kansas | 1 | $ 75,000 | $ 75,000 | $ 270,000 |
| Neosho County Kansas | 1 | $ 145,000 | $ 145,000 | $ 71,000 |
| Osborne County Kansas | 1 | $ 95,000 | $ 95,000 | $ 105,000 |
| Rooks County Kansas | 1 | $ 165,000 | $ 165,000 | $ 48,000 |
| Scott County Kansas | 1 | $ 205,000 | $ 205,000 | $ 86,000 |
| Stafford County Kansas | 1 | $ 35,000 | $ 35,000 | $ 18,000 |
| Barton County Missouri | 1 | $ 95,000 | $ 95,000 | $ 42,000 |
| Chariton County Missouri | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Clinton County Missouri | 1 | $ 255,000 | $ 255,000 | $ 63,000 |
| Hickory County Missouri | 1 | $ 35,000 | $ 35,000 | $ 53,000 |
| Livingston County Missouri | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Ray County Missouri | 1 | $ 105,000 | $ 105,000 | $ 74,000 |
| Ste. Genevieve County Missouri | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Stone County Missouri | 1 | $ 305,000 | $ 305,000 | $ 80,000 |
| Butler County Nebraska | 1 | $ 55,000 | $ 55,000 | $ 41,000 |
| Cheyenne County Nebraska | 1 | $ 235,000 | $ 235,000 | $ 191,000 |
| Deuel County Nebraska | 1 | $ 55,000 | $ 55,000 | $ 55,000 |
| Furnas County Nebraska | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Gage County Nebraska | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Gosper County Nebraska | 1 | $ 255,000 | $ 255,000 | $ 133,000 |
| McPherson County Nebraska | 1 | $ 165,000 | $ 165,000 | $ 81,000 |
| Merrick County Nebraska | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
| Otoe County Nebraska | 1 | $ 145,000 | $ 145,000 | $ 59,000 |
| Phelps County Nebraska | 1 | $ 145,000 | $ 145,000 | $ 0 |
| York County Nebraska | 1 | $ 85,000 | $ 85,000 | $ 43,000 |
| Brown County South Dakota | 1 | $ 435,000 | $ 435,000 | $ 811,000 |
| Davison County South Dakota | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Yankton County South Dakota | 1 | $ 225,000 | $ 225,000 | $ 0 |
Mortgage Loan Application Detail Totals for Central National Bank in 2020
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 | 825 | $161,085,000 | $195,000 | $6,005,000 | $106,000 | $811,000 |
| Home Purchase | 728 | $138,700,000 | $190,000 | $1,235,000 | $88,000 | $448,000 |
| Cash-out Refinancing | 422 | $74,060,000 | $175,000 | $515,000 | $95,000 | $317,000 |
| Other Purpose | 16 | $2,120,000 | $132,000 | $365,000 | $113,000 | $315,000 |
| Home Improvement | 5 | $705,000 | $141,000 | $375,000 | $148,000 | $250,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,434 | $255,170,000 | $177,000 | $515,000 | $97,000 | $811,000 |
| Not applicable | 420 | $93,170,000 | $221,000 | $6,005,000 | $0 | $0 |
| Black or African American | 53 | $11,435,000 | $215,000 | $435,000 | $75,000 | $164,000 |
| Hispanic | 35 | $5,255,000 | $150,000 | $365,000 | $84,000 | $420,000 |
| Asian | 21 | $5,025,000 | $239,000 | $765,000 | $154,000 | $603,000 |
| Not Provided | 16 | $3,060,000 | $191,000 | $415,000 | $106,000 | $250,000 |
| American Indian or Alaskan Native | 6 | $1,170,000 | $195,000 | $485,000 | $98,000 | $178,000 |
| Native Hawaiian 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) | 1,750 | $330,450,000 | $188,000 | $6,005,000 | $100,000 | $811,000 |
| FHA-insured (Federal Housing Administration) | 123 | $20,765,000 | $168,000 | $355,000 | $72,000 | $321,000 |
| VA-guaranteed (Veterans Administration) | 123 | $25,455,000 | $206,000 | $515,000 | $87,000 | $287,000 |
| 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 | 1,289 | $245,265,000 | $190,000 | $6,005,000 | $97,000 | $811,000 |
| Loan Purchased By The Institution | 389 | $77,915,000 | $200,000 | $515,000 | $0 | $0 |
| Application Withdrawn By Applicant | 151 | $27,545,000 | $182,000 | $515,000 | $108,000 | $517,000 |
| Application Denied By Financial Institution | 146 | $22,080,000 | $151,000 | $515,000 | $81,000 | $458,000 |
| File Closed For Incompleteness | 13 | $2,215,000 | $170,000 | $395,000 | $107,000 | $288,000 |
| Application Approved But Not Accepted | 8 | $1,650,000 | $206,000 | $315,000 | $98,000 | $136,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,850 | $354,590,000 | $191,000 | $6,005,000 | $99,000 | $811,000 |
| Debt-To-Income Ratio | 52 | $8,710,000 | $167,000 | $365,000 | $64,000 | $168,000 |
| Credit History | 39 | $5,875,000 | $150,000 | $365,000 | $77,000 | $420,000 |
| Credit Application Incomplete | 19 | $2,005,000 | $105,000 | $275,000 | $85,000 | $208,000 |
| Collateral | 13 | $2,175,000 | $167,000 | $515,000 | $110,000 | $458,000 |
| Other | 7 | $905,000 | $129,000 | $355,000 | $122,000 | $448,000 |
| Unverifiable Information | 7 | $1,215,000 | $173,000 | $345,000 | $91,000 | $224,000 |
| Employment History | 7 | $885,000 | $126,000 | $215,000 | $108,000 | $200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $310,000 | $155,000 | $195,000 | $53,000 | $75,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central National Bank's 2020 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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with aggregated HMDA statistics today.