The Central Trust Bank Mortgage Rates, Fees & Info
Jefferson City, MOLEI: 549300UF3FPC7U6RFC59
Tax ID: 43-0975002
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Mortgage Data
Bank Data
Overview
The Central Trust Bank is a mid-sized bank specializing in Home Purchase and Refi loans. The Central Trust Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include St. Louis, Columbia, Jefferson City, Kansas City, and Springfield among others. The Central Trust Bank has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. The Central Trust Bank is typically an average fee lendor.Originations
11,050Origination Dollar Volume (All Markets)
$3,094,900,000Employee count
2,647Awards
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The Central Trust Bank - 2021
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For 2021, less than of lenders were eligible for this award.
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Relative Rate
The Central Trust Bank's average 30 year fixed rate mortgage of loans were
3.05%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.1%.
Relative Fees
The Central Trust Bank's average total fees for a 30 year fixed rate
mortgage are $3,435.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2,005 | $522,745,000 | $260,721 | $2,731 | 2.92% |
| COLUMBIA, MO (FHA|USDA|VA) | 1,210 | $310,470,000 | $256,587 | $2,413 | 3.17% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1,446 | $260,950,000 | $180,463 | $2,475 | 3.24% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 996 | $251,650,000 | $252,661 | $2,649 | 3.12% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 983 | $243,535,000 | $247,747 | $3,017 | 3.14% |
| Outside of Metro Areas | 612 | $154,870,000 | $253,056 | $3,481 | 3.15% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 393 | $135,235,000 | $344,109 | $3,984 | 2.97% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 357 | $132,545,000 | $371,275 | $5,250 | 3.02% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 308 | $118,690,000 | $385,357 | $5,038 | 2.81% |
| Durango, CO (FHA|USDA|VA) | 167 | $67,265,000 | $402,784 | $4,044 | 3.14% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 84 | $48,630,000 | $578,929 | $3,448 | 3.87% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 193 | $44,485,000 | $230,492 | $3,177 | 3.04% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 97 | $37,225,000 | $383,763 | $3,334 | 2.58% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 76 | $35,500,000 | $467,105 | $3,654 | 3.03% |
| TULSA, OK (FHA|USDA|VA) | 141 | $29,195,000 | $207,057 | $3,698 | 3.55% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 92 | $29,020,000 | $315,435 | $4,381 | 3.01% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 53 | $27,285,000 | $514,811 | $4,109 | 2.62% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 55 | $24,525,000 | $445,909 | $4,087 | 2.85% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 46 | $24,300,000 | $528,261 | $2,330 | 2.70% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 43 | $20,815,000 | $484,070 | $3,732 | 2.69% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 41 | $20,515,000 | $500,366 | $2,065 | 2.57% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 54 | $19,470,000 | $360,556 | $1,994 | 2.62% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 51 | $18,055,000 | $354,020 | $2,390 | 2.58% |
| Warrensburg, MO (FHA|USDA|VA) | 88 | $17,950,000 | $203,977 | $2,965 | 3.29% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 41 | $16,425,000 | $400,610 | $3,243 | 2.68% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 40 | $15,880,000 | $397,000 | $3,520 | 2.51% |
| Cañon City, CO (FHA|USDA|VA) | 63 | $15,835,000 | $251,349 | $5,691 | 3.17% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 35 | $14,855,000 | $424,429 | $3,517 | 2.67% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 22 | $12,720,000 | $578,182 | $2,589 | 2.66% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 36 | $12,710,000 | $353,056 | $3,934 | 2.69% |
| BOULDER, CO (FHA|USDA|VA) | 10 | $11,480,000 | $1,148,000 | $2,856 | 2.82% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 28 | $10,990,000 | $392,500 | $3,263 | 2.58% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 32 | $10,760,000 | $336,250 | $3,008 | 2.59% |
| LAWRENCE, KS (FHA|USDA|VA) | 47 | $10,375,000 | $220,745 | $2,672 | 3.02% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 19 | $9,905,000 | $521,316 | $6,394 | 2.59% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 26 | $9,830,000 | $378,077 | $3,193 | 2.82% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 24 | $9,410,000 | $392,083 | $2,809 | 2.75% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 20 | $8,930,000 | $446,500 | $2,956 | 2.69% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 26 | $8,030,000 | $308,846 | $4,160 | 2.70% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 11 | $6,815,000 | $619,545 | $6,518 | 3.06% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 20 | $6,570,000 | $328,500 | $3,324 | 2.97% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 17 | $6,345,000 | $373,235 | $1,469 | 2.80% |
| WICHITA, KS (FHA|USDA|VA) | 25 | $6,075,000 | $243,000 | $5,555 | 2.99% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 18 | $5,930,000 | $329,444 | $1,493 | 2.56% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 9 | $5,875,000 | $652,778 | $3,944 | 2.39% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 10 | $5,300,000 | $530,000 | $1,714 | 2.80% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 14 | $5,030,000 | $359,286 | $4,328 | 3.28% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 12 | $4,840,000 | $403,333 | $1,429 | 2.49% |
| RICHMOND, VA (FHA|USDA|VA) | 16 | $4,820,000 | $301,250 | $2,415 | 2.87% |
| BOISE CITY, ID (FHA|USDA|VA) | 10 | $4,710,000 | $471,000 | $3,427 | 2.54% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 10 | $4,570,000 | $457,000 | $2,827 | 2.43% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 13 | $4,515,000 | $347,308 | $5,519 | 2.87% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 11 | $4,485,000 | $407,727 | $4,315 | 2.84% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 15 | $4,455,000 | $297,000 | $2,569 | 2.81% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 14 | $4,450,000 | $317,857 | $2,389 | 2.90% |
| Branson, MO (FHA|USDA|VA) | 26 | $4,370,000 | $168,077 | $3,177 | 3.23% |
| PROVO-OREM, UT (FHA|USDA|VA) | 9 | $4,355,000 | $483,889 | $4,413 | 2.83% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 7 | $4,295,000 | $613,571 | $4,823 | 3.27% |
| PUEBLO, CO (FHA|USDA|VA) | 19 | $4,195,000 | $220,789 | $5,332 | 3.30% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 12 | $4,150,000 | $345,833 | $2,185 | 2.76% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 9 | $4,065,000 | $451,667 | $3,892 | 2.60% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 10 | $4,050,000 | $405,000 | $2,938 | 2.79% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 9 | $4,015,000 | $446,111 | $4,346 | 2.78% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 7 | $3,915,000 | $559,286 | $2,924 | 2.44% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 11 | $3,835,000 | $348,636 | $2,120 | 2.38% |
| JOPLIN, MO (FHA|USDA|VA) | 8 | $3,550,000 | $443,750 | $3,265 | 3.11% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 10 | $3,510,000 | $351,000 | $3,016 | 2.59% |
| Mexico, MO (FHA|USDA|VA) | 25 | $3,315,000 | $132,600 | $2,467 | 3.33% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) | 8 | $3,050,000 | $381,250 | $4,175 | 2.64% |
| Moberly, MO (FHA|USDA|VA) | 16 | $2,920,000 | $182,500 | $3,378 | 3.44% |
| GREELEY, CO (FHA|USDA|VA) | 4 | $2,870,000 | $717,500 | $4,313 | 3.06% |
| WILMINGTON, NC (FHA|USDA|VA) | 9 | $2,825,000 | $313,889 | $5,503 | 3.12% |
| STOCKTON, CA (FHA|USDA|VA) | 6 | $2,810,000 | $468,333 | $4,395 | 2.79% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 8 | $2,690,000 | $336,250 | $4,372 | 2.91% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 12 | $2,640,000 | $220,000 | $4,419 | 3.11% |
| Edwards, CO (FHA|USDA|VA) | 3 | $2,605,000 | $868,333 | $2,949 | 2.96% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 6 | $2,520,000 | $420,000 | $2,176 | 2.92% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 8 | $2,510,000 | $313,750 | $4,070 | 2.64% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 6 | $2,420,000 | $403,333 | $5,504 | 2.33% |
| RENO, NV (FHA|USDA|VA) | 6 | $2,420,000 | $403,333 | $2,311 | 2.92% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 6 | $2,310,000 | $385,000 | $6,744 | 2.75% |
| KNOXVILLE, TN (FHA|USDA|VA) | 7 | $2,255,000 | $322,143 | $3,016 | 2.64% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 10 | $2,250,000 | $225,000 | $5,344 | 3.16% |
| BURLINGTON, NC (FHA|USDA|VA) | 9 | $2,215,000 | $246,111 | $4,166 | 3.07% |
| Breckenridge, CO (FHA|USDA|VA) | 4 | $2,070,000 | $517,500 | $2,295 | 2.72% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 7 | $2,065,000 | $295,000 | $5,141 | 2.55% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 5 | $2,065,000 | $413,000 | $2,471 | 2.48% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 6 | $2,000,000 | $333,333 | $1,892 | 2.46% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 4 | $1,930,000 | $482,500 | $3,577 | 3.03% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 6 | $1,930,000 | $321,667 | $1,967 | 2.60% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 5 | $1,865,000 | $373,000 | $6,181 | 2.60% |
| PITTSBURGH, PA (FHA|USDA|VA) | 6 | $1,820,000 | $303,333 | $3,536 | 2.93% |
| Rolla, MO (FHA|USDA|VA) | 10 | $1,810,000 | $181,000 | $2,596 | 3.14% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 6 | $1,800,000 | $300,000 | $2,792 | 2.52% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 8 | $1,800,000 | $225,000 | $3,376 | 2.92% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 6 | $1,710,000 | $285,000 | $6,951 | 3.10% |
| Hilo, HI (FHA|USDA|VA) | 3 | $1,655,000 | $551,667 | $3,879 | 2.67% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 4 | $1,640,000 | $410,000 | $5,350 | 2.56% |
| TOPEKA, KS (FHA|USDA|VA) | 6 | $1,580,000 | $263,333 | $3,040 | 3.10% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 5 | $1,565,000 | $313,000 | $2,692 | 2.60% |
| BEND, OR (FHA|USDA|VA) | 3 | $1,535,000 | $511,667 | $1,689 | 1.96% |
| FORT COLLINS, CO (FHA|USDA|VA) | 4 | $1,480,000 | $370,000 | $2,557 | 2.78% |
| TUCSON, AZ (FHA|USDA|VA) | 4 | $1,470,000 | $367,500 | $2,868 | 2.94% |
| ANCHORAGE, AK (FHA|USDA|VA) | 4 | $1,440,000 | $360,000 | $3,861 | 2.37% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 3 | $1,435,000 | $478,333 | $9,237 | 2.38% |
| COLUMBIA, SC (FHA|USDA|VA) | 7 | $1,425,000 | $203,571 | $2,244 | 2.80% |
| MADISON, WI (FHA|USDA|VA) | 3 | $1,355,000 | $451,667 | $2,185 | 2.79% |
| GAINESVILLE, GA (FHA|USDA|VA) | 4 | $1,330,000 | $332,500 | $2,343 | 2.69% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 5 | $1,285,000 | $257,000 | $3,153 | 2.70% |
| COLUMBUS, OH (FHA|USDA|VA) | 4 | $1,240,000 | $310,000 | $2,660 | 2.66% |
| Glenwood Springs, CO (FHA|USDA|VA) | 4 | $1,230,000 | $307,500 | $5,232 | 3.22% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 4 | $1,210,000 | $302,500 | $4,325 | 2.72% |
| Pittsburg, KS (FHA|USDA|VA) | 1 | $1,205,000 | $1,205,000 | $0 | 3.85% |
| Kirksville, MO (FHA|USDA|VA) | 9 | $1,205,000 | $133,889 | $2,006 | 3.15% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 2 | $1,170,000 | $585,000 | $4,547 | 2.69% |
| Heber, UT (FHA|USDA|VA) | 1 | $1,165,000 | $1,165,000 | $4,723 | 2.88% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $1,160,000 | $580,000 | $2,211 | 2.88% |
| Ottawa, KS (FHA|USDA|VA) | 6 | $1,150,000 | $191,667 | $2,306 | 3.90% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 7 | $1,145,000 | $163,571 | $2,671 | 3.87% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $2,158 | 3.04% |
| ROCHESTER, MN (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $7,677 | 2.33% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $2,928 | 2.71% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 3 | $1,095,000 | $365,000 | $3,014 | 3.00% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $4,792 | 2.79% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $2,406 | 2.46% |
| ASHEVILLE, NC (FHA|USDA|VA) | 5 | $1,045,000 | $209,000 | $2,620 | 2.95% |
| AMES, IA (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $1,923 | 2.81% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $1,025,000 | $1,025,000 | $3,930 | 3.38% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $2,465 | 2.97% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $7,008 | 2.71% |
| Kapaa, HI (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $2,299 | 2.44% |
| MOBILE, AL (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $3,125 | 3.13% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $2,406 | 2.75% |
| Sedalia, MO (FHA|USDA|VA) | 6 | $940,000 | $156,667 | $2,548 | 2.98% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $1,708 | 2.69% |
| AKRON, OH (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $2,414 | 2.75% |
| Sanford, NC (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $3,170 | 3.06% |
| Kalispell, MT (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $2,863 | 2.81% |
| Lebanon, MO (FHA|USDA|VA) | 7 | $925,000 | $132,143 | $2,315 | 3.62% |
| PANAMA CITY, FL (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $3,594 | 2.88% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $1,283 | 2.94% |
| Boone, NC (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $2,618 | 3.06% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $4,669 | 3.12% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $865,000 | $865,000 | $0 | 3.50% |
| Outside of Metro Areas | 3 | $855,000 | $285,000 | $6,141 | 2.75% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $6,956 | 2.38% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $1,846 | 2.63% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $2,410 | 2.44% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $2,994 | 2.75% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $3,011 | 3.31% |
| VALLEJO, CA (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $9,798 | 2.56% |
| SANTA FE, NM (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $2,887 | 2.38% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $3,322 | 2.94% |
| NEW BERN, NC (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $5,346 | 2.87% |
| Hailey, ID (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $5,146 | 3.13% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $3,332 | 3.38% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $3,868 | 3.13% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $2,593 | 2.37% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $1,365 | 2.67% |
| Montrose, CO (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $5,004 | 2.87% |
| Hannibal, MO (FHA|USDA|VA) | 5 | $725,000 | $145,000 | $2,293 | 3.53% |
| MORGANTOWN, WV (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $2,485 | 3.00% |
| Bozeman, MT (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $2,096 | 2.62% |
| LAS CRUCES, NM (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $4,162 | 2.69% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $4,073 | 2.50% |
| Scottsboro, AL (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $2,139 | 2.92% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $4,808 | 3.19% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $7,786 | 3.33% |
| Burlington, IA-IL (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $19,107 | 3.00% |
| MONROE, MI (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $1,588 | 2.50% |
| AMARILLO, TX (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $3,840 | 2.56% |
| Muskogee, OK (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $3,742 | 3.13% |
| GREEN BAY, WI (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $1,950 | 3.00% |
| Key West, FL (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $3,188 | 2.25% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $3,573 | 2.99% |
| FARMINGTON, NM (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $4,189 | 3.21% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $3,988 | 3.75% |
| Centralia, WA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $2,840 | 2.75% |
| NAPA, CA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $1,385 | 2.38% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,764 | 3.13% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $6,141 | 2.63% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $3,236 | 2.25% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $2,933 | 3.38% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $6,019 | 3.31% |
| ERIE, PA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $6,385 | 2.50% |
| Pella, IA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $2,079 | 3.44% |
| TOLEDO, OH (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $2,136 | 3.06% |
| WENATCHEE, WA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $1,351 | 2.74% |
| West Plains, MO (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $2,629 | 3.04% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $2,755 | 2.25% |
| Sterling, CO (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $2,753 | 3.63% |
| Elko, NV (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $4,476 | 2.63% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $2,419 | 3.19% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $3,887 | 2.75% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $4,873 | 2.83% |
| MANHATTAN, KS (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $7,072 | 2.56% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $2,132 | 2.87% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $2,719 | 3.00% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $2,481 | 3.13% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $0 | 4.00% |
| Morehead City, NC (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $1,980 | 2.50% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,321 | 2.63% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $1,013 | 2.50% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,113 | 2.63% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $2,984 | 2.75% |
| Concord, NH (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $17,412 | 2.25% |
| GREAT FALLS, MT (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $1,746 | 2.25% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,155 | 2.50% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $876 | 2.63% |
| Salina, KS (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $4,238 | 2.50% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $2,904 | 3.46% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,190 | 1.75% |
| LYNCHBURG, VA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,785 | 3.31% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,338 | 2.63% |
| Torrington, CT (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,758 | 2.99% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $5,542 | 2.63% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,948 | 2.88% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,828 | 2.38% |
| RACINE, WI (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $15,269 | 2.25% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,174 | 2.25% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,851 | 2.63% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $1,596 | 3.12% |
| Harrison, AR (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $1,682 | 3.00% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $11,230 | 2.25% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $1,585 | 2.50% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $9,222 | 2.25% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,490 | 2.63% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $2,632 | 3.50% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,662 | 2.75% |
| Fergus Falls, MN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $1,590 | 2.25% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,079 | 2.25% |
| SAGINAW, MI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,605 | 2.75% |
| Portsmouth, OH (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,838 | 3.25% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $1,735 | 2.99% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $1,771 | 3.13% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,623 | 3.00% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $1,340 | 2.75% |
| Kearney, NE (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,940 | 2.88% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,627 | 3.25% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $14,632 | 2.75% |
| Elk City, OK (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,453 | 4.06% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,788 | 2.40% |
| Sault Ste. Marie, MI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,592 | 3.25% |
| Ruston, LA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,657 | 2.75% |
| Marshall, MO (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,085 | 3.44% |
| CHICO, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,405 | 2.75% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,492 | 3.25% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,882 | 2.75% |
| Central City, KY (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $1,110 | 2.25% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $1,751 | 2.25% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,342 | 2.88% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,143 | 2.25% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,742 | 2.50% |
| Brookings, OR (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 3.25% |
| Stillwater, OK (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $3,973 | 3.25% |
| Starkville, MS (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $1,914 | 2.13% |
| Fairmont, MN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $1,964 | 3.25% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,661 | 3.13% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,125 | 2.25% |
| Laramie, WY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,286 | 3.25% |
| OCALA, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,814 | 2.99% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,335 | 2.13% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,112 | 2.75% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,840 | 3.13% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,431 | 2.99% |
| BISMARCK, ND (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,315 | 2.25% |
| Bartlesville, OK (FHA|USDA|VA) | 4 | $260,000 | $65,000 | $3,204 | 4.38% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,946 | 2.25% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,125 | 2.99% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,527 | 2.38% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,215 | 2.50% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,665 | 3.25% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $10,265 | 2.75% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,478 | 2.63% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $886 | 2.38% |
| Poplar Bluff, MO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 3.75% |
| Portales, NM (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,216 | 2.25% |
| Spearfish, SD (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,284 | 3.63% |
| TYLER, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,994 | 2.38% |
| Lawrenceburg, TN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,599 | 3.13% |
| Alamogordo, NM (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,175 | 2.63% |
| Bluffton, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,991 | 3.13% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,041 | 3.00% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 3.75% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 4.13% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,720 | 3.13% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,964 | 3.49% |
| Marshalltown, IA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,507 | 2.99% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,834 | 2.50% |
| Newport, OR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 4.25% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,570 | 3.38% |
| Hays, KS (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 4.88% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,888 | 3.25% |
| Farmington, MO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,449 | 2.50% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,014 | 2.88% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $890 | 3.37% |
| DALTON, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,163 | 3.13% |
| Ada, OK (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,140 | 2.88% |
| Hutchinson, KS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,901 | 3.13% |
| ROME, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,555 | 2.88% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,089 | 3.50% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,181 | 3.13% |
| Helena, MT (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,701 | 4.00% |
| Quincy, IL-MO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,440 | 2.88% |
| Oskaloosa, IA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,493 | 3.63% |
| Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,586 | 3.38% |
| DuBois, PA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,535 | 3.50% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,060 | 3.49% |
| Miami, OK (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $3,232 | 3.63% |
The Central Trust Bank's top markets include St. Louis, Columbia, Jefferson City, Kansas City, and Springfield among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 10,094 | $2,812,490,000 | $278,630 | $2,718 | 3.07% |
| VA | 485 | $186,125,000 | $383,763 | $6,975 | 2.57% |
| FHA | 344 | $73,630,000 | $214,041 | $7,247 | 3.04% |
| USDA | 127 | $22,655,000 | $178,386 | $4,744 | 2.99% |
For the 2021 period, The Central Trust Bank's most frequently originated loan type of loans were Conventional, with 10,094 originations. Their 2nd most popular type is VA, with 485 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 5,453 | $1,577,205,000 | $289,236 | $3,884 | 3.18% |
| Refi | 3,553 | $934,105,000 | $262,906 | $2,229 | 2.79% |
| Cash Out Refi | 1,877 | $546,355,000 | $291,079 | $2,745 | 3.12% |
| Home Improvement | 95 | $22,775,000 | $239,737 | $2,645 | 3.51% |
| Other | 72 | $14,460,000 | $200,833 | $2,429 | 3.32% |
For the 2021, The Central Trust Bank's most frequently cited loan purpose of loans were Home Purchase, with 5,453 originations. The 2nd most popular reason of loans were Refi, with 3,553 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 7,533 | $2,174,385,000 | $288,648 | $3,435 | 3.05% |
| 15 Year | 1,872 | $420,270,000 | $224,503 | $2,326 | 2.57% |
| 5 Year | 450 | $147,480,000 | $327,733 | $1,545 | 4.14% |
| 20 Year | 442 | $96,070,000 | $217,353 | $2,193 | 3.09% |
| Other | 299 | $143,445,000 | $479,749 | $2,115 | 3.66% |
| 10 Year | 260 | $50,990,000 | $196,115 | $2,107 | 2.76% |
| 1 Year | 137 | $28,145,000 | $205,438 | $1,594 | 4.53% |
| 3 Year | 57 | $34,115,000 | $598,509 | $1,940 | 4.26% |
For the 2021, The Central Trust Bank's most frequently cited loan length of loans were 30 Year, with 7,533 originations. The 2nd most popular length of loans were 15 Year, with 1,872 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 6,199 | $1,706,865,000 | $275,345 |
| $1k-2k | 2,984 | $765,040,000 | $256,381 |
| $2k-3k | 273 | $85,625,000 | $313,645 |
| $3k-4k | 226 | $78,480,000 | $347,257 |
| $5k+ | 65 | $31,165,000 | $479,462 |
$3,435 of loans were The Central Trust Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 6,199 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 4,516 | $1,293,470,000 | $286,419 |
| 3-4% | 3,932 | $1,052,150,000 | $267,586 |
| <2.5% | 1,917 | $604,835,000 | $315,511 |
| 4-5% | 668 | $141,400,000 | $211,677 |
| 5-6% | 16 | $2,990,000 | $186,875 |
| 6-7% | 1 | $55,000 | $55,000 |
During 2021, The Central Trust Bank's average interest rate of loans were 3.05%, while their most frequently originated rate bucket of loans were 2.5-3%, with 4,516 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 4,384 | $1,252,170,000 | $285,623 | $3,203 | 2.96% |
| $100k-200k | 3,529 | $526,575,000 | $149,214 | $2,612 | 3.15% |
| $400k-600k | 1,651 | $796,045,000 | $482,159 | $3,932 | 2.80% |
| $100,000 or less | 1,140 | $82,630,000 | $72,482 | $2,232 | 3.41% |
| $600k-1MM | 252 | $187,310,000 | $743,294 | $5,226 | 3.00% |
| $1MM+ | 94 | $250,170,000 | $2,661,383 | $5,603 | 3.38% |
2021 saw The Central Trust Bank place emphasis on $200k-400k loans with 4,384 originations, totaling $1,252,170,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-150k | 2,333 | $694,775,000 | $297,803 | $3,203 | 2.93% |
| $50k-75k | 2,045 | $400,015,000 | $195,606 | $3,131 | 3.06% |
| $75k-100k | 1,792 | $435,190,000 | $242,852 | $3,207 | 2.98% |
| $150k-250k | 1,696 | $620,650,000 | $365,949 | $3,134 | 2.86% |
| $50k or less | 1,472 | $197,640,000 | $134,266 | $2,856 | 3.15% |
| $250k+ | 828 | $388,840,000 | $469,614 | $3,292 | 2.92% |
The Central Trust Bank lent most frequently to those with incomes in the $100k-150k range, with 2,333 originations. The second most popular income band? $50k-75k, with 2,045 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 2,887 | $765,775,000 | $265,249 | $2,836 | 2.94% |
| 30-36% | 2,053 | $551,995,000 | $268,872 | $3,061 | 2.99% |
| <20% | 1,337 | $341,095,000 | $255,120 | $2,513 | 2.90% |
| 36% | 347 | $96,345,000 | $277,651 | $3,286 | 3.04% |
| 39% | 327 | $85,175,000 | $260,474 | $3,275 | 3.05% |
| 41% | 320 | $91,230,000 | $285,094 | $3,215 | 3.03% |
| 40% | 319 | $88,745,000 | $278,197 | $3,446 | 2.98% |
| 37% | 314 | $88,120,000 | $280,637 | $3,228 | 3.03% |
| 38% | 309 | $75,155,000 | $243,220 | $3,308 | 3.01% |
| 42% | 300 | $83,080,000 | $276,933 | $3,483 | 3.05% |
| 43% | 299 | $72,805,000 | $243,495 | $3,468 | 3.07% |
| 44% | 285 | $79,755,000 | $279,842 | $3,694 | 3.05% |
| 45% | 213 | $56,885,000 | $267,066 | $3,677 | 3.02% |
| 49% | 198 | $55,140,000 | $278,485 | $3,227 | 3.02% |
| 46% | 196 | $54,270,000 | $276,888 | $3,526 | 2.91% |
| 47% | 194 | $58,590,000 | $302,010 | $4,004 | 2.98% |
| 50-60% | 183 | $57,215,000 | $312,650 | $5,995 | 3.05% |
| 48% | 151 | $41,345,000 | $273,808 | $3,803 | 3.00% |
| >60% | 83 | $25,875,000 | $311,747 | $3,463 | 3.40% |
The Central Trust Bank lent most frequently to those with DTI ratios of 20-30%, with 2,887 originations. The next most common DTI ratio? 30-36%, with 2,053 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 8,590 | $2,222,310,000 | $258,709 | $3,079 | 3.00% |
| Not applicable | 606 | $287,630,000 | $474,637 | $0 | 4.16% |
| Not provided | 806 | $243,400,000 | $301,985 | $3,311 | 2.95% |
| Asian | 541 | $195,175,000 | $360,767 | $2,981 | 2.72% |
| Black | 275 | $67,145,000 | $244,164 | $4,047 | 3.04% |
| Asian Indian | 102 | $39,190,000 | $384,216 | $2,631 | 2.62% |
| American Indian | 91 | $26,315,000 | $289,176 | $3,555 | 3.06% |
| Chinese | 13 | $4,275,000 | $328,846 | $2,879 | 2.86% |
| Other Asian | 8 | $3,590,000 | $448,750 | $2,597 | 2.66% |
| Korean | 7 | $2,885,000 | $412,143 | $2,212 | 2.82% |
| Native Hawaiian | 5 | $1,785,000 | $357,000 | $4,328 | 3.10% |
| Vietnamese | 2 | $540,000 | $270,000 | $2,671 | 2.87% |
| Guamanian | 2 | $390,000 | $195,000 | $2,758 | 2.94% |
| Other Pacific Islander | 1 | $225,000 | $225,000 | $2,577 | 2.88% |
| 1 | $45,000 | $45,000 | $2,006 | 2.88% |
Approval Rates
Total approvals of all applications97.37%
The Central Trust Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination84.03%
The Central Trust Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 11,050 | $3,094,900,000 | $280,081 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 11,050 | $3,094,900,000 | $280,081 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 646 | $105,590,000 | $163,452 | $2,333 | 2.96% |
| 40-60% | 1,836 | $475,350,000 | $258,905 | $2,385 | 2.87% |
| 60-80% | 4,488 | $1,345,950,000 | $299,900 | $2,760 | 3.08% |
| 80-100% | 3,860 | $1,113,680,000 | $288,518 | $3,759 | 3.10% |
| Over 100% | 84 | $32,500,000 | $386,905 | $13,555 | 2.81% |
| Under 20% | 107 | $11,825,000 | $110,514 | $1,516 | 3.64% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| The Central Trust Bank | 3533 Country Club Dr Jefferson City, MO 65109 | Full Service B&M | $141,129 |
| The Central Trust Bank | 100 State Road Ae New Bloomfield, MO 65063 | Full Service B&M | $13,313 |
| The Central Trust Bank | 111 E Miller St Jefferson City, MO 65101 | Full Service B&M | $249,523 |
| The Central Trust Bank | 116-124 East Miller Street Jefferson City, MO 65101 | Full Service B&M | $389,266 |
| The Central Trust Bank | 1211 Main Avenue Durango, CO 81301 | Full Service B&M | $3,149 |
| The Central Trust Bank | 155 Northstar Drive Holts Summit, MO 65043 | Full Service B&M | $64,984 |
| The Central Trust Bank | 2020 North Bluff Fulton, MO 65251 | Full Service B&M | $3,079 |
| The Central Trust Bank | 2116 Nelwood Drive Columbia, MO 65202 | Full Service Cyber Office | $37,880 |
| The Central Trust Bank | 238 Madison Street Jefferson City, MO 65101 | Limited, Drive-thru | $0 |
| The Central Trust Bank | 238 Madison Street Jefferson City, MO 65101 | Full Service B&M | $1,232,385 |
| The Central Trust Bank | 329 South Oak California, MO 65018 | Full Service B&M | $52,694 |
| The Central Trust Bank | 401 Supercenter Dr Jefferson City, MO 65101 | Full Service Retail | $6,370 |
| The Central Trust Bank | 410 Market Street Fulton, MO 65251 | Full Service B&M | $156,662 |
| The Central Trust Bank | 5278 North Nevada Avenue Suite 100 Colorado Springs, CO 80918 | Limited, Drive-thru | $5,499 |
| The Central Trust Bank | 724 West Stadium Boulevard Jefferson City, MO 65101 | Full Service Retail | $30,428 |
| The Central Trust Bank | 8000 E. Belleview Avenue Greenwood Village, CO 80111 | Full Service B&M | $5,623 |
| The Central Trust Bank | Missouri 52 Highway And High Street Tuscumbia, MO 65082 | Full Service B&M | $33,082 |
| The Central Trust Bank | U.S. Highway 50 California, MO 65018 | Full Service B&M | $21,589 |
For 2021, The Central Trust Bank had 18 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $516,613 |
| Net interest income | $494,840 |
| Total noninterest income | $277,033 |
| Gross Fiduciary activities income | $38,101 |
| Service charges on deposit accounts | $41,646 |
| Trading account gains and fees | $8 |
| Additional Noninterest Income | $197,278 |
| Pre-tax net operating income | $333,637 |
| Securities gains (or losses, -) | $1,402 |
| Income before extraordinary items | $258,051 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $258,051 |
| Minority interest net income | $0 |
| Net income | $258,051 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $256,943 |
The Central Trust Bank's gross interest income from loans was $516,613,000.
The Central Trust Bank's net interest income from loans was $494,840,000.
The Central Trust Bank's fee based income from loans was $41,646,000.
The Central Trust Bank's net income from loans was $258,051,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $21,773 |
| Provision for credit losses | $6,146 |
| Total noninterest expense | $432,090 |
| Salaries and employee benefits | $241,717 |
| Premises and equipment expense | $37,838 |
| Additional noninterest expense | $152,535 |
| Applicable income taxes | $76,988 |
| Net charge-offs | $4,215 |
| Cash dividends | $85,000 |
The Central Trust Bank's interest expense for loans was $21,773,000.
The Central Trust Bank's payroll and benefits expense were $241,717,000.
The Central Trust Bank's property, plant and equipment expenses $37,838,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.4% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $16,155,544 |
| Deposits held in domestic offices | $16,155,544 |
| Deposits by Individuals, partnerships, and corporations | $14,230,071 |
| Deposits by U.S. Government | $256 |
| Deposits by States and political subdivisions in the U.S. | $1,893,962 |
| Deposits by Commercial banks and other depository institutions in U.S. | $31,255 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $1,788,475 |
| Demand deposits | $1,425,025 |
| Nontransaction accounts | $14,367,069 |
| Money market deposit accounts (MMDAs) | $11,253,333 |
| Other savings deposits (excluding MMDAs) | $1,864,758 |
| Total time deposits | $1,248,978 |
| Total time and savings deposits | $14,730,519 |
| Noninterest-bearing deposits | $6,301,153 |
| Interest-bearing deposits | $9,854,391 |
| Retail deposits | $15,888,302 |
| IRAs and Keogh plan accounts | $275,439 |
| Brokered deposits | $4,259 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $20,248,406 |
| Cash & Balances due from depository institutions | $3,416,118 |
| Interest-bearing balances | $3,266,984 |
| Total securities | $5,721,470 |
| Federal funds sold & reverse repurchase | $1,578 |
| Net loans and leases | $10,217,059 |
| Loan and leases loss allowance | $152,387 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $209,710 |
| Other real estate owned | $6,644 |
| Goodwill and other intangibles | $402,696 |
| All other assets | $273,131 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $20,248,406 |
| Total Liabilities | $18,338,614 |
| Total deposits | $16,155,544 |
| Interest-bearing deposits | $9,854,391 |
| Deposits held in domestic offices | $16,155,544 |
| % insured (estimated) | $75 |
| Federal funds purchased and repurchase agreements | $1,421,371 |
| Trading liabilities | $0 |
| Other borrowed funds | $640,000 |
| Subordinated debt | $0 |
| All other liabilities | $121,699 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $10,217,059 |
| Loan and leases loss allowance | $152,387 |
| Total loans and leases (domestic) | $10,369,446 |
| All real estate loans | $7,241,884 |
| Real estate loans in domestic offices | $7,241,884 |
| Construction and development loans | $856,527 |
| Residential 1-4 family construction | $312,920 |
| Other construction, all land development and other land | $543,607 |
| Loans secured by nonfarm nonresidential properties | $3,415,515 |
| Nonfarm nonresidential secured by owner-occupied properties | $1,236,143 |
| Commercial real estate & other non-farm, non-residential | $2,179,372 |
| Multifamily residential real estate | $722,568 |
| 1-4 family residential loans | $1,973,249 |
| Farmland loans | $274,025 |
| Loans held in foreign offices | $0 |
| Farm loans | $72,087 |
| Commercial and industrial loans | $1,468,089 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $1,029,443 |
| Credit card loans | $74,405 |
| Related Plans | $39,391 |
| Consumer Auto Loans | $581,972 |
| Other loans to individuals | $333,675 |
| All other loans & leases | $571,725 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $173,386 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $80,603 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $5,846 |
| Non 1-4 family restructured loans & leases | $4,722 |
| Total loans and leases (foreign) | $0 |
The Central Trust Bank had $10,217,059,000 of loans outstanding in 2021. $7,241,884,000 of loans were in real estate loans. $856,527,000 of loans were in development loans. $722,568,000 of loans were in multifamily mortgage loans. $1,973,249,000 of loans were in 1-4 family mortgage loans. $72,087,000 of loans were in farm loans. $74,405,000 of loans were in credit card loans. $581,972,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 3,274 | $693,610 | $211,854 |
| Nonfarm, nonresidential loans - <$100k | 698 | $25,109 | $35,973 |
| Nonfarm, nonresidential loans - $100-250k | 1,021 | $117,622 | $115,203 |
| Nonfarm, nonresidential loans - $250k-1MM | 1,555 | $550,879 | $354,263 |
| Commercial & Industrial, US addressed loans - <$1MM | 38,803 | $518,322 | $13,358 |
| Commercial & Industrial, US addressed loans - <$100k | 36,937 | $161,388 | $4,369 |
| Commercial & Industrial, US addressed loans - $100-250k | 992 | $101,291 | $102,108 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 874 | $255,643 | $292,498 |
| Farmland loans - <$1MM | 1,265 | $148,255 | $117,198 |
| Farmland loans - <$100k | 504 | $18,978 | $37,655 |
| Farmland loans - $100-250k | 507 | $61,678 | $121,653 |
| Farmland loans - $250k-1MM | 254 | $67,599 | $266,138 |
| Agriculture operations loans - <$1MM | 1,963 | $59,507 | $30,314 |
| Agriculture operations loans - <$100k | 1,797 | $33,220 | $18,486 |
| Agriculture operations loans - $100-250k | 115 | $12,208 | $106,157 |
| Agriculture operations loans - $250k-1MM | 51 | $14,079 | $276,059 |
