Applications / Mortgage Analytics / Lenders / Kansas / Central National Bank
Junction City, KS · National bank · OCC · $1.4 billion assets · 269 loans in 2025
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269
loans originated, 2025
354
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Central National Bank, a Kansas national bank that mostly finances home purchases, makes more loans backed by veterans' and federal housing programs than most banks like it, and it lent a little more in 2025.
VA loans (guaranteed by the Department of Veterans Affairs) were 6.3% of its lending, more than at about nine in ten similar lenders (national banks making between half and twice as many loans). FHA loans (insured by the Federal Housing Administration) were 5.6%. At the typical similar lender both were 0.0%. Purchases made up 74.7% of its loans.
It made 269 loans in 2025, up 9%, against 1,289 in 2020 and 974 in 2021. Most of the fall came after 2021. Its typical rate was 3.00% in 2020 and 6.75% in 2025, so fewer refinancings as rates rose may be one reason.
Low- and moderate-income (LMI) borrowers took 30.5% of its loans, against 25.4% at similar lenders, more than at about two-thirds of them. Its share in LMI neighborhoods, 13.9%, was lower than their 16.5%, which may reflect where its markets and branches are.
In Topeka, KS, its share doubled from 0.5% to 1.0%, ranking it 22 of 236. In Manhattan, KS, it ranked 16 of 209 with 1.6%, down 0.5 points. Its own lending rose, so rivals' growth there may explain the drop.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Central National Bank took 354 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 74.7% · Refinance 22.7% · Home improvement 2.6%
Conventional 88.1% · VA 6.3% · FHA 5.6% · of 269 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kansas | 197 | 73.2% |
| Nebraska | 56 | 20.8% |
| Missouri | 14 | 5.2% |
| New Mexico | 1 | 0.4% |
| South Dakota | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Manhattan | 50 |
| Omaha | 39 |
| Topeka | 38 |
| Wichita | 33 |
| Kansas City | 17 |
| Lawrence | 6 |
| Lincoln | 4 |
| Columbia | 2 |
| Joplin | 1 |
| Las Cruces | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900L3UJN7196A5W71 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 234355 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 14284 | 1992–2017 |
Established 1 January 1884. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Central National Bank's data.
Central National Bank's data
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