Lenders › The Central Trust Bank
The Central Trust Bank
HMDA reporter, headquartered in Jefferson City, Missouri. Record for calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Figures are from the 2024 public HMDA loan/application register; cells under 25 applications are withheld.
In 2024, The Central Trust Bank filed HMDA records for 11,230 applications and 7,513 originations in 20 states, worth $1.9bn.
Its denial rate, the share of decided applications the lender denied, was 11.8%, below the national rate of 24.3% and below the Missouri rate of 19.9%. 2,543 applications were withdrawn by the applicant and 96 files were closed for incompleteness; those are not counted in the denial rate.
The median rate spread on its originated loans, the difference between the loan's APR and the average prime offer rate, was 0.3 percentage points (national median 0.3); 4.6% of its originations had a spread of 1.5 points or more.
By loan purpose the originations were mostly home purchase (63%) and other purpose (12%); by loan type, conventional (86%) and FHA (8%).
The largest volumes were in Missouri (4,795 originations), Colorado (749 originations) and Oklahoma (504 originations).
Applications were about level with 2023.
Compared with Missouri and the nation
| Measure | This lender | Missouri, all lenders | United States |
|---|---|---|---|
| Denial rate (denied ÷ decided applications) | 11.8% | 19.9% | 24.3% |
| Median rate spread, percentage points | 0.3 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 4.6% | 14.1% | 15.6% |
| Average originated loan | $256k | $231k | $329k |
| Home purchase share of originations | 62.6% | 58.6% | 57.0% |
| FHA-insured share of originations | 7.7% | 12.8% | 13.4% |
| VA-guaranteed share of originations | 4.8% | 8.2% | 7.9% |
| Applications withdrawn by applicant | 22.6% | 14.1% | 14.3% |
Missouri is the lender's largest state by applications. State and national columns cover every HMDA reporter. Rate spread is reported on originated loans only.
Trend by year
ApplicationsOriginations
This lenderMissouriUnited States
| Year | Applications | Originations | Amount | Denial rate | Median spread | LAR records |
|---|---|---|---|---|---|---|
| 2018 | — | — | — | — | — | 1,551 |
| 2019 | — | — | — | — | — | 2,232 |
| 2020 | — | — | — | — | — | 4,312 |
| 2021 | — | — | — | — | — | 13,333 |
| 2022 | 12,713 | 9,404 | $2.5bn | 8.8% | 0.4 | 12,728 |
| 2023 | 11,264 | 7,550 | $1.9bn | 11.6% | 0.5 | 11,279 |
| 2024 | 11,230 | 7,513 | $1.9bn | 11.8% | 0.3 | 11,306 |
Applications, originations and rates are computed from the public LAR for 2022, 2023, 2024; LAR record counts come from each year's transmittal sheet.
Loan purpose and loan type
By purpose
Home purchase 63% (4,706)Home improvement 10% (766)Refinancing 5% (399)Cash-out refinancing 9% (702)Other purpose 13% (939)
By type
Conventional 86% (6,495)FHA 8% (576)VA 5% (361)USDA 1% (81)
| Loan type | Applications | Originations | Denied | Denial rate (of applications) |
|---|---|---|---|---|
| Conventional | 9,737 | 6,495 | 916 | 9.4% |
| FHA-insured | 865 | 576 | 75 | 8.7% |
| VA-guaranteed | 521 | 361 | 15 | 2.9% |
| USDA Rural Housing Service or Farm Service Agency guaranteed | 107 | 81 | 6 | 5.6% |
Shares are of originated loans. The per-type denial rate here divides denials by all applications of that type, because decided counts are not kept per type.
Action taken
| HMDA action taken | Records | Share |
|---|---|---|
| 1 Loan originated | 7,513 | 66.5% |
| 2 Application approved but not accepted | 66 | 0.6% |
| 3 Application denied | 1,012 | 9.0% |
| 4 Application withdrawn by applicant | 2,543 | 22.5% |
| 5 File closed for incompleteness | 96 | 0.8% |
| 6 Purchased loan | 7 | 0.1% |
| 7 Preapproval request denied | 7 | 0.1% |
| 8 Preapproval request approved but not accepted | 62 | 0.5% |
Codes and labels are the HMDA action-taken codes. Applications are codes 1–5; the denial rate divides code 3 by codes 1–3.
Denial reasons as coded
Share of the lender's 1,012 denials by the first denial reason it coded (outlined bar: all lenders nationally). Lenders may record up to four reasons; only the first is counted here.
States
| State | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|
| Missouri | 7,110 | 4,795 | $946m | 14.1% | 0.4 |
| Colorado | 1,037 | 749 | $325m | 3.8% | 0.2 |
| Oklahoma | 659 | 504 | $137m | 6.1% | 0.3 |
| Kansas | 507 | 344 | $81m | 17.4% | 0.3 |
| North Carolina | 430 | 309 | $101m | 4.9% | 0.2 |
| Arkansas | 209 | 121 | $41m | 6.9% | 0.4 |
| Florida | 204 | 125 | $59m | 5.1% | 0.2 |
| Iowa | 158 | 113 | $29m | 5.8% | 0.3 |
| Texas | 135 | 58 | $29m | 17.1% | -0.1 |
| Illinois | 115 | 63 | $16m | 11.3% | 0.2 |
| Georgia | 66 | 36 | $15m | 7.7% | -0.1 |
| Virginia | 47 | 22 | $11m | — | — |
| California | 41 | 17 | $11m | — | — |
| Arizona | 39 | 19 | $11m | — | — |
| Tennessee | 37 | 17 | $7.8m | 32.0% | — |
| Washington | 37 | 15 | $7.4m | — | — |
| Nevada | 35 | 21 | $9.7m | — | — |
| New Jersey | 30 | 12 | $6.8m | — | — |
| South Carolina | 30 | 16 | $5.9m | — | — |
| New Mexico | 25 | 14 | $8.8m | — | — |
States with at least 25 applications. States with 100 or more link to the lender's page for that state.
Counties
| County | State | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|---|
| Boone County | MO | 859 | 589 | $122m | 10.4% |
| Cole County | MO | 688 | 493 | $78m | 11.5% |
| St. Louis County | MO | 491 | 369 | $97m | 6.8% |
| Greene County | MO | 495 | 332 | $67m | 13.4% |
| El Paso County | CO | 437 | 311 | $128m | 3.1% |
| Camden County | MO | 460 | 305 | $72m | 16.2% |
| Jackson County | MO | 443 | 281 | $52m | 20.9% |
| Oklahoma County | OK | 293 | 232 | $74m | 5.2% |
| St. Louis city | MO | 280 | 214 | $51m | 6.9% |
| St. Charles County | MO | 268 | 188 | $57m | 4.5% |
| Callaway County | MO | 267 | 184 | $31m | 14.7% |
| Johnson County | KS | 259 | 177 | $46m | 17.2% |
| Taney County | MO | 245 | 153 | $26m | 18.2% |
| Christian County | MO | 234 | 148 | $28m | 13.3% |
| Pettis County | MO | 220 | 137 | $16m | 18.3% |
| Miller County | MO | 225 | 132 | $20m | 26.9% |
| Clay County | MO | 181 | 113 | $21m | 24.5% |
| Wake County | NC | 147 | 110 | $41m | 2.6% |
| Tulsa County | OK | 148 | 109 | $24m | 4.4% |
| La Plata County | CO | 103 | 84 | $45m | 1.2% |
| Stone County | MO | 122 | 83 | $20m | 13.3% |
| Morgan County | MO | 125 | 80 | $19m | 14.0% |
| Johnson County | MO | 107 | 76 | $15m | 11.6% |
| Randolph County | MO | 107 | 75 | $9.8m | 9.6% |
| Benton County | AR | 128 | 73 | $27m | 6.3% |
| Polk County | IA | 86 | 65 | $16m | 4.4% |
| Montrose County | CO | 78 | 60 | $21m | 1.6% |
| Audrain County | MO | 93 | 58 | $6.2m | 23.7% |
| Moniteau County | MO | 83 | 56 | $8.4m | 15.2% |
| Platte County | MO | 90 | 54 | $9.8m | 27.6% |
Up to 30 counties with at least 50 applications, by originations.
Questions and answers
How many mortgages did The Central Trust Bank originate in 2024?
7,513 loans totalling $1.9bn, from 11,230 applications reported under HMDA. It also purchased 7 loans from other institutions, which are counted separately.
What is The Central Trust Bank's denial rate and how does it compare?
11.8% of decided applications were denied in 2024, against 24.3% nationally and 19.9% in Missouri. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws; the data do not include some legitimate credit risk considerations.
Which counties does The Central Trust Bank lend in most?
By originations: Boone County, MO (589), Cole County, MO (493), St. Louis County, MO (369), Greene County, MO (332) and El Paso County, CO (311).
What loan types does The Central Trust Bank make?
Conventional 6,495, FHA 576, VA 361 and USDA 81 originations in 2024; by purpose, home purchase 4,706, home improvement 766, refinancing 399, cash-out refinancing 702 and other purpose 939.
What reasons did The Central Trust Bank report for denials?
The first denial reason recorded most often was credit history (496), debt-to-income ratio (302) and collateral (132), as coded by the lender in its HMDA filing.
Where does this data come from?
From the 2024 public HMDA loan/application register published by the FFIEC and CFPB, with the lender's name from its HMDA transmittal sheet. Cells under 25 applications are withheld.
Provenance
Source: Home Mortgage Disclosure Act public loan/application register for 2024 (trend years 2022, 2023, 2024) and transmittal sheets 2018–2024, published by the FFIEC and CFPB at ffiec.cfpb.gov, public domain. Lender identity is the LEI and name on its transmittal sheet. This site was built 30 Sep 2026. Errors in processing are corrected at the next build; see corrections. Data through 1 Aug 2026.