Lender in Missouri · HMDA 2025
The Central Trust Bank mortgages in Missouri
The Central Trust Bank's 2025 home-purchase and refinance lending in Missouri, compared with all lenders in the state.
The Central Trust Bank originated 2,367 owner-occupied single-family loans in Missouri from 2,492 completed applications, making it the state's #7 lender by volume.
Its median conventional purchase loan costs were $3,580 versus $3,710 for all Missouri lenders, at a median 30-year fixed rate of 6.75% (Missouri: 6.625%).
Loans in MO
2,367
of 2,492 applications
Denial rate
2.7%
Purchase · MO 6.5%
Rate spread
+0.28 pts
Conv. · MO +0.24 pts
Loan amount
$245,000
Purchase · MO $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,995 | 1,925 | 2.7% | 6.750% | +0.28 pts | $3,580 | $245,000 |
| Refinance | 239 | 221 | 5.9% | 6.625% | +0.18 pts | $2,960 | $265,000 |
| Cash-out refinance | 258 | 221 | 13.6% | 6.990% | +0.52 pts | $3,000 | $165,000 |
*Conventional loans only; medians with at least 20 loans.
Missouri counties where The Central Trust Bank ranks in the top 25
Showing the 30 counties where it ranks highest, of 51.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Taney County | 1 | 90 | 13.0% |
| Morgan County | 1 | 35 | 15.5% |
| Boone County | 2 | 304 | 12.1% |
| Cole County | 2 | 167 | 13.5% |
| Camden County | 2 | 109 | 13.1% |
| Callaway County | 2 | 76 | 11.4% |
| Miller County | 2 | 45 | 13.4% |
| Randolph County | 2 | 42 | 11.8% |
| Stone County | 2 | 36 | 6.6% |
| Audrain County | 2 | 32 | 10.1% |
| Moniteau County | 2 | 21 | 10.4% |
| St. Louis city | 3 | 160 | 5.1% |
| Gasconade County | 3 | 13 | 8.0% |
| Pettis County | 4 | 47 | 7.7% |
| Maries County | 5 | 6 | 5.6% |
| Webster County | 6 | 28 | 4.5% |
| Cooper County | 6 | 13 | 5.6% |
| Osage County | 6 | 13 | 6.1% |
| Crawford County | 6 | 10 | 4.3% |
| Lafayette County | 7 | 19 | 3.2% |
| Benton County | 7 | 13 | 4.4% |
| Christian County | 8 | 60 | 3.2% |
| Greene County | 9 | 173 | 3.5% |
| Howard County | 9 | 3 | 2.2% |
| Monroe County | 9 | 3 | 3.8% |
| St. Louis County | 10 | 253 | 1.9% |
| Polk County | 10 | 13 | 2.6% |
| Dallas County | 10 | 6 | 2.8% |
| Johnson County | 11 | 28 | 2.6% |
| Dent County | 11 | 4 | 3.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology