Lender in Oklahoma · HMDA 2025
The Central Trust Bank mortgages in Oklahoma
The Central Trust Bank's 2025 home-purchase and refinance lending in Oklahoma, compared with all lenders in the state.
The Central Trust Bank originated 361 owner-occupied single-family loans in Oklahoma from 375 completed applications.
Its median conventional purchase loan costs were $4,310 versus $4,880 for all Oklahoma lenders, at a median 30-year fixed rate of 6.625% (Oklahoma: 6.625%).
Loans in OK
361
of 375 applications
Denial rate
2.0%
Purchase · OK 7.6%
Rate spread
+0.19 pts
Conv. · OK +0.21 pts
Loan amount
$265,000
Purchase · OK $235,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 352 | 340 | 2.0% | 6.625% | +0.19 pts | $4,310 | $265,000 |
| Refinance | 15 | 14 | — | — | — | — | — |
| Cash-out refinance | 8 | 7 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Oklahoma counties where The Central Trust Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Logan County | 13 | 18 | 1.8% |
| Oklahoma County | 17 | 150 | 1.6% |
| Tulsa County | 21 | 86 | 1.1% |
| Osage County | 21 | 5 | 1.0% |
| Creek County | 22 | 9 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology