Central National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Central National Bank 2022 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 | 671 |
| Total Mortgage Loan Application Amount | $153,745,000 |
| Average Mortgage Loan Application Amount | $372,400 |
| Highest Mortgage Loan Application Amount | $6,665,000 |
| Average Applicant Income | $100,800 |
| Highest Applicant Income | $1,515,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 57 | $ 10,705,000 | $ 187,000 | $ 91,000 |
| Geary County Kansas | 53 | $ 6,805,000 | $ 128,000 | $ 107,000 |
| Sedgwick County Kansas | 47 | $ 14,215,000 | $ 302,000 | $ 132,000 |
| Johnson County Kansas | 42 | $ 22,240,000 | $ 529,000 | $ 106,000 |
| Riley County Kansas | 42 | $ 8,700,000 | $ 207,000 | $ 140,000 |
| Saline County Kansas | 42 | $ 6,700,000 | $ 159,000 | $ 86,000 |
| Douglas County Nebraska | 38 | $ 10,220,000 | $ 268,000 | $ 123,000 |
| Dickinson County Kansas | 21 | $ 2,385,000 | $ 113,000 | $ 87,000 |
| Cloud County Kansas | 20 | $ 1,670,000 | $ 83,000 | $ 56,000 |
| Sarpy County Nebraska | 20 | $ 5,850,000 | $ 292,000 | $ 120,000 |
| Marion County Kansas | 19 | $ 1,995,000 | $ 105,000 | $ 74,000 |
| Red Willow County Nebraska | 16 | $ 2,150,000 | $ 134,000 | $ 65,000 |
| Coffey County Kansas | 15 | $ 2,265,000 | $ 151,000 | $ 117,000 |
| Douglas County Kansas | 15 | $ 4,055,000 | $ 270,000 | $ 176,000 |
| Barton County Kansas | 14 | $ 1,860,000 | $ 132,000 | $ 190,000 |
| Ellis County Kansas | 12 | $ 2,170,000 | $ 180,000 | $ 156,000 |
| Mitchell County Kansas | 11 | $ 1,175,000 | $ 106,000 | $ 69,000 |
| Harvey County Kansas | 10 | $ 1,860,000 | $ 186,000 | $ 86,000 |
| Pottawatomie County Kansas | 10 | $ 2,430,000 | $ 243,000 | $ 81,000 |
| Miami County Kansas | 8 | $ 1,870,000 | $ 233,000 | $ 90,000 |
| Lincoln County Nebraska | 8 | $ 1,710,000 | $ 213,000 | $ 112,000 |
| Franklin County Kansas | 7 | $ 5,465,000 | $ 780,000 | $ 97,000 |
| Clay County Kansas | 6 | $ 590,000 | $ 98,000 | $ 62,000 |
| Wyandotte County Kansas | 6 | $ 1,150,000 | $ 191,000 | $ 76,000 |
| Boone County Missouri | 6 | $ 1,010,000 | $ 168,000 | $ 61,000 |
| Platte County Missouri | 6 | $ 6,160,000 | $ 1,026,000 | $ 94,000 |
| Madison County Nebraska | 6 | $ 950,000 | $ 158,000 | $ 64,000 |
| Butler County Kansas | 5 | $ 775,000 | $ 155,000 | $ 92,000 |
| Republic County Kansas | 5 | $ 405,000 | $ 81,000 | $ 54,000 |
| Nuckolls County Nebraska | 5 | $ 605,000 | $ 121,000 | $ 79,000 |
| Jewell County Kansas | 4 | $ 200,000 | $ 50,000 | $ 79,000 |
| Stafford County Kansas | 4 | $ 650,000 | $ 162,000 | $ 90,000 |
| Jackson County Missouri | 4 | $ 1,800,000 | $ 450,000 | $ 108,000 |
| Lancaster County Nebraska | 4 | $ 760,000 | $ 190,000 | $ 55,000 |
| Kingman County Kansas | 3 | $ 275,000 | $ 91,000 | $ 295,000 |
| Washington County Nebraska | 3 | $ 1,035,000 | $ 345,000 | $ 177,000 |
| Kit Carson County Colorado | 2 | $ 330,000 | $ 165,000 | $ 0 |
| Ellsworth County Kansas | 2 | $ 310,000 | $ 155,000 | $ 51,000 |
| Linn County Kansas | 2 | $ 240,000 | $ 120,000 | $ 84,000 |
| Lyon County Kansas | 2 | $ 320,000 | $ 160,000 | $ 102,000 |
| Morris County Kansas | 2 | $ 450,000 | $ 225,000 | $ 85,000 |
| Ottawa County Kansas | 2 | $ 220,000 | $ 110,000 | $ 56,000 |
| Russell County Kansas | 2 | $ 170,000 | $ 85,000 | $ 37,000 |
| Smith County Kansas | 2 | $ 190,000 | $ 95,000 | $ 56,000 |
| Camden County Missouri | 2 | $ 480,000 | $ 240,000 | $ 127,000 |
| Clay County Missouri | 2 | $ 430,000 | $ 215,000 | $ 68,000 |
| Greene County Missouri | 2 | $ 390,000 | $ 195,000 | $ 131,000 |
| Newton County Missouri | 2 | $ 250,000 | $ 125,000 | $ 127,000 |
| Platte County Nebraska | 2 | $ 470,000 | $ 235,000 | $ 135,000 |
| Saunders County Nebraska | 2 | $ 440,000 | $ 220,000 | $ 98,000 |
| Webster County Nebraska | 2 | $ 140,000 | $ 70,000 | $ 60,000 |
| Chaffee County Colorado | 1 | $ 405,000 | $ 405,000 | $ 172,000 |
| Larimer County Colorado | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Park County Colorado | 1 | $ 605,000 | $ 605,000 | $ 179,000 |
| Polk County Iowa | 1 | $ 845,000 | $ 845,000 | $ 0 |
| Pottawattamie County Iowa | 1 | $ 215,000 | $ 215,000 | $ 145,000 |
| Atchison County Kansas | 1 | $ 195,000 | $ 195,000 | $ 115,000 |
| Jefferson County Kansas | 1 | $ 305,000 | $ 305,000 | $ 71,000 |
| Leavenworth County Kansas | 1 | $ 75,000 | $ 75,000 | $ 47,000 |
| Marshall County Kansas | 1 | $ 35,000 | $ 35,000 | $ 22,000 |
| McPherson County Kansas | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Montgomery County Kansas | 1 | $ 525,000 | $ 525,000 | $ 114,000 |
| Neosho County Kansas | 1 | $ 165,000 | $ 165,000 | $ 5,000 |
| Osage County Kansas | 1 | $ 185,000 | $ 185,000 | $ 106,000 |
| Pawnee County Kansas | 1 | $ 65,000 | $ 65,000 | $ 128,000 |
| Rice County Kansas | 1 | $ 95,000 | $ 95,000 | $ 59,000 |
| Rooks County Kansas | 1 | $ 165,000 | $ 165,000 | $ 59,000 |
| Sherman County Kansas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Wabaunsee County Kansas | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Woodson County Kansas | 1 | $ 65,000 | $ 65,000 | $ 52,000 |
| Benton County Missouri | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Callaway County Missouri | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Cass County Missouri | 1 | $ 225,000 | $ 225,000 | $ 134,000 |
| Christian County Missouri | 1 | $ 165,000 | $ 165,000 | $ 48,000 |
| Cole County Missouri | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Franklin County Missouri | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Howard County Missouri | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Jasper County Missouri | 1 | $ 145,000 | $ 145,000 | $ 65,000 |
| Macon County Missouri | 1 | $ 85,000 | $ 85,000 | $ 43,000 |
| Morgan County Missouri | 1 | $ 335,000 | $ 335,000 | $ 93,000 |
| Nodaway County Missouri | 1 | $ 185,000 | $ 185,000 | $ 113,000 |
| Taney County Missouri | 1 | $ 55,000 | $ 55,000 | $ 35,000 |
| Buffalo County Nebraska | 1 | $ 165,000 | $ 165,000 | $ 65,000 |
| Chase County Nebraska | 1 | $ 165,000 | $ 165,000 | $ 59,000 |
| Clay County Nebraska | 1 | $ 85,000 | $ 85,000 | $ 89,000 |
| Dodge County Nebraska | 1 | $ 165,000 | $ 165,000 | $ 85,000 |
| Dundy County Nebraska | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Furnas County Nebraska | 1 | $ 235,000 | $ 235,000 | $ 72,000 |
| Gage County Nebraska | 1 | $ 315,000 | $ 315,000 | $ 233,000 |
| Gosper County Nebraska | 1 | $ 105,000 | $ 105,000 | $ 33,000 |
| Hayes County Nebraska | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Hitchcock County Nebraska | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Keith County Nebraska | 1 | $ 85,000 | $ 85,000 | $ 32,000 |
| Pierce County Nebraska | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Polk County Nebraska | 1 | $ 175,000 | $ 175,000 | $ 149,000 |
| Stanton County Nebraska | 1 | $ 125,000 | $ 125,000 | $ 98,000 |
| York County Nebraska | 1 | $ 275,000 | $ 275,000 | $ 183,000 |
Mortgage Loan Application Detail Totals for Central National Bank in 2022
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 | 450 | $97,320,000 | $216,000 | $4,405,000 | $99,000 | $1,515,000 |
| Cash-out Refinancing | 112 | $19,020,000 | $169,000 | $645,000 | $98,000 | $602,000 |
| Refinancing | 87 | $23,095,000 | $265,000 | $4,065,000 | $146,000 | $1,066,000 |
| Home Improvement | 12 | $13,130,000 | $1,094,000 | $6,665,000 | $81,000 | $81,000 |
| Other Purpose | 10 | $1,180,000 | $118,000 | $225,000 | $80,000 | $242,000 |
| 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 | 475 | $87,435,000 | $184,000 | $645,000 | $102,000 | $1,515,000 |
| Not applicable | 121 | $50,065,000 | $413,000 | $6,665,000 | $0 | $0 |
| Asian | 19 | $5,085,000 | $267,000 | $535,000 | $175,000 | $602,000 |
| Hispanic | 19 | $3,065,000 | $161,000 | $525,000 | $80,000 | $153,000 |
| Black or African American | 14 | $3,560,000 | $254,000 | $455,000 | $86,000 | $204,000 |
| Not Provided | 11 | $2,065,000 | $187,000 | $625,000 | $125,000 | $280,000 |
| American Indian or Alaskan Native | 3 | $685,000 | $228,000 | $485,000 | $76,000 | $114,000 |
| 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) | 572 | $134,870,000 | $235,000 | $6,665,000 | $107,000 | $1,515,000 |
| FHA-insured (Federal Housing Administration) | 64 | $10,150,000 | $158,000 | $425,000 | $71,000 | $250,000 |
| VA-guaranteed (Veterans Administration) | 35 | $8,725,000 | $249,000 | $645,000 | $110,000 | $500,000 |
| 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 | 479 | $110,685,000 | $231,000 | $6,665,000 | $109,000 | $1,515,000 |
| Application Denied By Financial Institution | 72 | $11,110,000 | $154,000 | $605,000 | $70,000 | $210,000 |
| Application Withdrawn By Applicant | 62 | $18,430,000 | $297,000 | $4,405,000 | $111,000 | $481,000 |
| Loan Purchased By The Institution | 44 | $7,320,000 | $166,000 | $645,000 | $0 | $0 |
| File Closed For Incompleteness | 10 | $1,270,000 | $127,000 | $255,000 | $64,000 | $127,000 |
| Application Approved But Not Accepted | 4 | $4,930,000 | $1,232,000 | $4,505,000 | $82,000 | $84,000 |
| 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 | 599 | $142,635,000 | $238,000 | $6,665,000 | $108,000 | $1,515,000 |
| Credit History | 28 | $3,990,000 | $142,000 | $505,000 | $77,000 | $210,000 |
| Debt-To-Income Ratio | 23 | $4,355,000 | $189,000 | $605,000 | $64,000 | $173,000 |
| Collateral | 12 | $1,460,000 | $121,000 | $525,000 | $65,000 | $124,000 |
| Credit Application Incomplete | 4 | $890,000 | $222,000 | $435,000 | $76,000 | $168,000 |
| Other | 3 | $185,000 | $61,000 | $115,000 | $56,000 | $78,000 |
| Employment History | 2 | $230,000 | $115,000 | $165,000 | $52,000 | $52,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2022 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.