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The Central Trust Bank in Missouri

HMDA record for properties in Missouri, calendar year 2024. National record · Missouri overview

LEI 549300UF3FPC7U6RFC59
Reporting agency Consumer Financial Protection Bureau
State 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 for loan approval and loan pricing decisions. Cells under 25 applications are withheld.

The Central Trust Bank's 2024 HMDA record for Missouri covers 7,110 applications, 4,795 of them originated, worth $946m.

Its denial rate in the state was 14.1%, below the Missouri rate of 19.9% across all lenders and compared with the lender's national rate of 11.8%.

The median rate spread on its Missouri originations was 0.4 percentage points (state median 0.4).

Applications in the state were up 5% on 2023.

7,110applications in MO, 202463.3% of the lender's total
4,795loans originated$946m
14.1%denial rateMO all lenders 19.9%
0.4 ppmedian rate spreadMO 0.4 pp

Compared with the state and the lender's national record

MeasureIn MissouriMissouri, all lendersThe Central Trust Bank, all statesUnited States
Denial rate14.1%19.9%11.8%24.3%
Median rate spread, pp0.40.40.30.3
Originations with spread of 1.5 pp or more6.3%14.1%4.6%15.6%
Average originated loan$197k$231k$256k$329k
Home purchase share54.1%58.6%62.6%57.0%
FHA-insured share5.8%12.8%7.7%13.4%
VA-guaranteed share1.9%8.2%4.8%7.9%

Trend by year

ApplicationsOriginations

04086.58,1732022: 8,173 Applications2023: 6,769 Applications2024: 7,110 Applications2022: 6,068 Originations2023: 4,647 Originations2024: 4,795 Originations202220232024
The Central Trust Bank in Missouri: applications and originations, 2022–2024

This lender in stateMissouri, all lenders

0%10.2%20.3%2022: 10.6% This lender in state2023: 14.7% This lender in state2024: 14.1% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Missouri

By purpose

Home purchase 54% (2,592)Home improvement 13% (643)Refinancing 5% (254)Cash-out refinancing 11% (551)Other purpose 16% (755)

By type

Conventional 91% (4,357)FHA 6% (280)VA 2% (91)USDA 1% (67)

Denial reasons as coded

Credit history50.5%
Debt-to-income ratio30.6%
Collateral11.9%
Insufficient cash (downpayment, closing costs)2%
Employment history1.8%
Unverifiable information1.8%
Other1.5%
Credit application incomplete0%
Mortgage insurance denied0%

Share of 792 denials in Missouri by first denial reason coded (outlined bar: all lenders in the state).

Counties in Missouri

CountyApplicationsOriginationsAmountDenial rate
Boone County859589$122m10.4%
Cole County688493$78m11.5%
St. Louis County491369$97m6.8%
Greene County495332$67m13.4%
Camden County460305$72m16.2%
Jackson County443281$52m20.9%
St. Louis city280214$51m6.9%
St. Charles County268188$57m4.5%
Callaway County267184$31m14.7%
Taney County245153$26m18.2%
Christian County234148$28m13.3%
Pettis County220137$16m18.3%
Miller County225132$20m26.9%
Clay County181113$21m24.5%
Stone County12283$20m13.3%
Morgan County12580$19m14.0%
Johnson County10776$15m11.6%
Randolph County10775$9.8m9.6%
Audrain County9358$6.2m23.7%
Moniteau County8356$8.4m15.2%
Platte County9054$9.8m27.6%
Webster County8553$9.4m13.1%
Franklin County6953$10.0m7.0%
Lafayette County7450$8.4m21.9%
Cooper County7150$7.8m7.3%
Jefferson County6447$12m6.0%
Phelps County4231$5.2m8.8%
Cass County4529$4.8m21.6%
Osage County4129$4.8m14.7%
Gasconade County4123$3.2m20.7%
Jasper County3622$3.8m18.5%
Laclede County3821$3.0m19.2%
Benton County3219$3.1m—
Polk County2619$3.4m—
Pulaski County2717$3.1m—
Clinton County2613$1.2m—

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did The Central Trust Bank originate in Missouri in 2024?

4,795 loans totalling $946m, from 7,110 applications reported for properties in Missouri.

What is The Central Trust Bank's denial rate in Missouri?

14.1% of decided applications in Missouri were denied, against 19.9% for all lenders in the state and 11.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

Which Missouri counties does The Central Trust Bank lend in most?

By originations: Boone County (589), Cole County (493), St. Louis County (369), Greene County (332), Camden County (305).

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Missouri. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.