Lender in Colorado · HMDA 2025
The Central Trust Bank mortgages in Colorado
The Central Trust Bank's 2025 home-purchase and refinance lending in Colorado, compared with all lenders in the state.
The Central Trust Bank originated 499 owner-occupied single-family loans in Colorado from 506 completed applications.
Its median conventional purchase loan costs were $3,800 versus $4,630 for all Colorado lenders, at a median 30-year fixed rate of 6.625% (Colorado: 6.50%).
Loans in CO
499
of 506 applications
Denial rate
0.7%
Purchase · CO 6.3%
Rate spread
+0.10 pts
Conv. · CO +0.04 pts
Loan amount
$385,000
Purchase · CO $455,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 435 | 429 | 0.7% | 6.625% | +0.10 pts | $3,800 | $385,000 |
| Refinance | 40 | 39 | 2.5% | 6.375% | +0.01 pts | $3,560 | $415,000 |
| Cash-out refinance | 31 | 31 | 0.0% | — | +0.18 pts | $3,740 | $415,000 |
*Conventional loans only; medians with at least 20 loans.
Colorado counties where The Central Trust Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| La Plata County | 2 | 58 | 8.1% |
| Archuleta County | 2 | 35 | 14.1% |
| Montrose County | 3 | 52 | 8.9% |
| Fremont County | 5 | 29 | 4.4% |
| Ouray County | 5 | 4 | 4.9% |
| Bent County | 6 | 2 | 4.8% |
| Delta County | 8 | 11 | 2.5% |
| San Juan County | 8 | 1 | 9.1% |
| Custer County | 9 | 3 | 3.3% |
| San Miguel County | 11 | 2 | 2.5% |
| El Paso County | 13 | 209 | 1.5% |
| Teller County | 13 | 9 | 1.6% |
| Dolores County | 13 | 1 | 5.3% |
| Mesa County | 19 | 25 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology