The Central Trust Bank: 2025 mortgage rates, costs & approvals
How The Central Trust Bank priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: The Central Trust Bank · LEI 549300UF3FPC7U6RFC59
In 2025, The Central Trust Bank originated 4,095 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 42 states — 162nd by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 9 basis points above the national median. Median conventional loan costs were $3,750, 33% lower than the national median ($5,570).
It denied 2.4% of completed home-purchase applications (all lenders: 8.5%).
How The Central Trust Bank priced home-purchase loans
| Purchase loans, 2025 | The Central Trust Bank | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.250% | 6.250% |
| 30-year fixed rate · VA | 6.125% | 6.125% |
| 15-year fixed rate · conventional | 6.125% | 5.875% |
| Rate spread vs. APOR · conventional | +0.22 pts | +0.13 pts |
| Total loan costs · conventional | $3,750 | $5,570 |
| Total loan costs · FHA | $8,210 | $11,310 |
| Total loan costs · VA | $6,550 | $6,490 |
| Origination charges (all types) | $1,350 | $1,860 |
| Borrowers paying discount points | 34.8% | 51.3% |
| Points paid, when paid (% of loan) | 0.27% | 0.87% |
| Borrowers receiving lender credits | 31.1% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why The Central Trust Bank denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where The Central Trust Bank lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Missouri | 2,367 | 2,492 | 2.7% | 6.750% | $3,580 |
| Colorado | 499 | 506 | 0.7% | 6.625% | $3,800 |
| Oklahoma | 361 | 375 | 2.0% | 6.625% | $4,310 |
| Kansas | 205 | 210 | 1.1% | 6.625% | $3,210 |
| North Carolina | 192 | 200 | 2.7% | 6.750% | $4,200 |
| Arkansas | 86 | 91 | 2.7% | 6.625% | $4,170 |
| Florida | 55 | 59 | 8.2% | 6.625% | $5,500 |
| Iowa | 44 | 46 | 4.9% | 6.500% | $2,960 |
| Illinois | 36 | 38 | 0.0% | — | — |
| Texas | 28 | 29 | 0.0% | — | — |
| Nevada | 26 | 26 | 0.0% | — | — |
| California | 24 | 26 | — | — | — |
| Georgia | 19 | 19 | — | — | — |
| Washington | 11 | 13 | — | — | — |
| South Carolina | 11 | 12 | — | — | — |
| Arizona | 11 | 11 | — | — | — |
| Tennessee | 11 | 11 | — | — | — |
| Virginia | 11 | 11 | — | — | — |
| Wisconsin | 8 | 9 | — | — | — |
| Oregon | 8 | 8 | — | — | — |
| New Jersey | 7 | 8 | — | — | — |
| Pennsylvania | 7 | 7 | — | — | — |
| Kentucky | 6 | 7 | — | — | — |
| Michigan | 6 | 6 | — | — | — |
| Minnesota | 6 | 6 | — | — | — |
| Indiana | 5 | 5 | — | — | — |
| Ohio | 5 | 5 | — | — | — |
| Utah | 5 | 5 | — | — | — |
| Nebraska | 4 | 4 | — | — | — |
| New Hampshire | 4 | 4 | — | — | — |
| South Dakota | 4 | 4 | — | — | — |
| Wyoming | 4 | 4 | — | — | — |
| Alabama | 3 | 3 | — | — | — |
| Montana | 3 | 3 | — | — | — |
| Hawaii | 2 | 3 | — | — | — |
| Idaho | 2 | 2 | — | — | — |
| Maine | 2 | 2 | — | — | — |
| Rhode Island | 2 | 2 | — | — | — |
| Vermont | 2 | 2 | — | — | — |
| New Mexico | 1 | 3 | — | — | — |
| Connecticut | 1 | 1 | — | — | — |
| District of Columbia | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open The Central Trust Bank's page for that state.
Counties where The Central Trust Bank is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Morgan County, MO | 1 | 35 | 15.5% |
| Archuleta County, CO | 2 | 35 | 14.1% |
| Cole County, MO | 2 | 167 | 13.5% |
| Miller County, MO | 2 | 45 | 13.4% |
| Camden County, MO | 2 | 109 | 13.1% |
| Taney County, MO | 1 | 90 | 13.0% |
| Boone County, MO | 2 | 304 | 12.1% |
| Randolph County, MO | 2 | 42 | 11.8% |
| Callaway County, MO | 2 | 76 | 11.4% |
| Moniteau County, MO | 2 | 21 | 10.4% |
| Audrain County, MO | 2 | 32 | 10.1% |
| San Juan County, CO | 8 | 1 | 9.1% |
| Montrose County, CO | 3 | 52 | 8.9% |
| La Plata County, CO | 2 | 58 | 8.1% |
| Gasconade County, MO | 3 | 13 | 8.0% |
Check The Central Trust Bank yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300UF3FPC7U6RFC59.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from The Central Trust Bank with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology