The Central Trust Bank Mortgage Rates, Fees & Info

Jefferson City, MO

LEI: 549300UF3FPC7U6RFC59

Tax ID: 43-0975002

5 stars - Updated: 4/5/25 - out of 5 stars, based on 87 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    The Central Trust Bank is a small bank specializing in Home Purchase loans. The Central Trust Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: St. Louis, Kansas City, Colorado Springs, Columbia, and Jefferson City among others. We have data for 251 markets. (Some data included below & more in-depth data is available with an active subscription.)

    The Central Trust Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. The Central Trust Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.72% 4/5/25
    30 Year Conventional Purchase 6.99% 4/5/25
    30 Year Conventional Refi 6.89% 4/5/25
    30 Year Cash-out Refi 7.24% 4/5/25
    30 Year FHA Purchase 7.30% 4/5/25
    30 Year FHA Refi 7.13% 4/5/25
    30 Year VA Purchase 6.45% 4/5/25
    30 Year VA Refi 6.20% 4/5/25
    30 Year USDA Purchase 7.00% 4/5/25
    30 Year USDA Refi 6.79% 4/5/25
    15 Year Conventional Purchase 6.22% 4/5/25
    15 Year Conventional Refi 5.85% 4/5/25
    15 Year Cash-out Refi 5.85% 4/5/25
    15 Year VA Purchase 6.00% 4/5/25
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    The Central Trust Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from The Central Trust Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    7,513

    Origination Dollar Volume (All Markets)

    $1,924,265,000
    Show all (17) awards

    Relative Rate

    The Central Trust Bank's average 30 year fixed mortgage rate was 6.81%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of 0.26%.

    Relative Fees (Closing Costs)

    The Central Trust Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $5,160.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $8,356.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    ST. LOUIS, MO-IL (FHA|USDA|VA) 931 $240,235,000 $258,040 $4,401 6.90%
    Outside of Metro Areas 958 $223,480,000 $233,278 $4,296 7.13%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 807 $162,985,000 $201,964 $3,972 6.90%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 325 $135,125,000 $415,769 $7,774 6.64%
    COLUMBIA, MO (FHA|USDA|VA) 650 $130,600,000 $200,923 $3,870 6.84%
    JEFFERSON CITY, MO (FHA|USDA|VA) 762 $122,100,000 $160,236 $3,368 6.98%
    SPRINGFIELD, MO (FHA|USDA|VA) 565 $109,255,000 $193,372 $4,650 6.89%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 308 $93,830,000 $304,643 $5,502 7.15%
    RALEIGH-CARY, NC (FHA|USDA|VA) 131 $46,195,000 $352,634 $5,416 6.72%
    Durango, CO (FHA|USDA|VA) 84 $44,600,000 $530,952 $4,183 7.01%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 103 $35,735,000 $346,942 $5,736 6.79%
    TULSA, OK (FHA|USDA|VA) 161 $35,035,000 $217,609 $7,281 6.73%
    Branson, MO (FHA|USDA|VA) 153 $25,745,000 $168,268 $3,905 7.07%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 43 $24,415,000 $567,791 $5,141 7.00%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 87 $24,065,000 $276,609 $4,813 6.80%
    Montrose, CO (FHA|USDA|VA) 63 $23,555,000 $373,889 $7,665 6.89%
    Glenwood Springs, CO (FHA|USDA|VA) 2 $22,960,000 $11,480,000 $4,361 6.81%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 38 $16,050,000 $422,368 $6,607 7.38%
    Sedalia, MO (FHA|USDA|VA) 137 $16,025,000 $116,971 $2,865 7.28%
    Warrensburg, MO (FHA|USDA|VA) 76 $15,320,000 $201,579 $3,945 7.08%
    Cañon City, CO (FHA|USDA|VA) 53 $14,365,000 $271,038 $7,087 6.91%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 22 $13,540,000 $615,455 $8,393 6.75%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 19 $11,015,000 $579,737 $6,924 6.27%
    GRAND JUNCTION, CO (FHA|USDA|VA) 34 $10,980,000 $322,941 $6,468 6.71%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 30 $10,940,000 $364,667 $5,402 6.72%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 10 $10,860,000 $1,086,000 $10,674 7.23%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 17 $10,015,000 $589,118 $4,621 6.63%
    Moberly, MO (FHA|USDA|VA) 75 $9,835,000 $131,133 $3,241 6.99%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 17 $9,395,000 $552,647 $6,032 6.56%
    WICHITA, KS (FHA|USDA|VA) 34 $9,240,000 $271,765 $5,673 6.65%
    PUEBLO, CO (FHA|USDA|VA) 36 $9,090,000 $252,500 $7,795 6.84%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 19 $7,345,000 $386,579 $6,800 7.24%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 10 $6,650,000 $665,000 $10,003 5.92%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 16 $6,410,000 $400,625 $4,663 6.44%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 10 $6,360,000 $636,000 $6,754 6.35%
    Mexico, MO (FHA|USDA|VA) 58 $6,150,000 $106,034 $3,439 6.92%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 11 $5,875,000 $534,091 $4,563 6.04%
    RENO, NV (FHA|USDA|VA) 11 $5,585,000 $507,727 $10,810 6.40%
    LAWRENCE, KS (FHA|USDA|VA) 36 $5,390,000 $149,722 $2,933 6.88%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 13 $5,385,000 $414,231 $5,402 6.08%
    Rolla, MO (FHA|USDA|VA) 31 $5,225,000 $168,548 $5,343 6.55%
    JOPLIN, MO (FHA|USDA|VA) 27 $5,185,000 $192,037 $5,821 6.92%
    FAYETTEVILLE, NC (FHA|USDA|VA) 16 $5,180,000 $323,750 $6,800 7.04%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 10 $4,430,000 $443,000 $5,004 6.10%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 11 $4,375,000 $397,727 $7,867 6.43%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 8 $4,190,000 $523,750 $6,243 5.87%
    LAS CRUCES, NM (FHA|USDA|VA) 2 $3,950,000 $1,975,000 $6,888 7.29%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 6 $3,940,000 $656,667 $5,820 7.17%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 8 $3,920,000 $490,000 $4,848 6.30%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 4 $3,500,000 $875,000 $7,119 6.63%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 8 $3,250,000 $406,250 $5,474 6.67%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 10 $3,190,000 $319,000 $5,202 6.85%
    Fort Leonard Wood, MO (FHA|USDA|VA) 17 $3,075,000 $180,882 $5,225 6.39%
    SALT LAKE CITY, UT (FHA|USDA|VA) 8 $3,070,000 $383,750 $4,183 6.65%
    Lebanon, MO (FHA|USDA|VA) 21 $3,045,000 $145,000 $4,068 7.05%
    WILMINGTON, NC (FHA|USDA|VA) 8 $2,930,000 $366,250 $5,298 6.98%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 15 $2,785,000 $185,667 $3,587 7.01%
    BURLINGTON, NC (FHA|USDA|VA) 9 $2,725,000 $302,778 $6,456 6.72%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $2,610,000 $435,000 $5,469 6.38%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 6 $2,600,000 $433,333 $12,143 6.31%
    AMES, IA (FHA|USDA|VA) 10 $2,420,000 $242,000 $7,106 6.76%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 5 $2,405,000 $481,000 $4,465 6.40%
    ANCHORAGE, AK (FHA|USDA|VA) 3 $2,255,000 $751,667 $5,898 5.75%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $2,075,000 $691,667 $9,892 7.17%
    JOHNSON CITY, TN (FHA|USDA|VA) 3 $2,055,000 $685,000 $8,902 6.54%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 3 $2,005,000 $668,333 $3,848 6.25%
    PROVO-OREM, UT (FHA|USDA|VA) 3 $1,875,000 $625,000 $3,861 6.46%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 3 $1,795,000 $598,333 $2,614 5.79%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 5 $1,785,000 $357,000 $4,720 7.00%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 3 $1,765,000 $588,333 $2,819 6.20%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 4 $1,730,000 $432,500 $3,481 7.22%
    COLUMBUS, OH (FHA|USDA|VA) 2 $1,730,000 $865,000 $5,798 6.56%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 4 $1,650,000 $412,500 $3,011 6.50%
    ASHEVILLE, NC (FHA|USDA|VA) 4 $1,610,000 $402,500 $4,150 6.22%
    JACKSONVILLE, FL (FHA|USDA|VA) 3 $1,605,000 $535,000 $15,830 5.83%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 4 $1,590,000 $397,500 $9,180 6.06%
    Farmington, MO (FHA|USDA|VA) 6 $1,550,000 $258,333 $4,132 6.60%
    Bozeman, MT (FHA|USDA|VA) 2 $1,500,000 $750,000 $5,366 7.19%
    ALBUQUERQUE, NM (FHA|USDA|VA) 4 $1,490,000 $372,500 $3,952 6.81%
    Ottawa, KS (FHA|USDA|VA) 9 $1,405,000 $156,111 $3,627 6.80%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $1,375,000 $458,333 $6,560 6.04%
    Shawnee, OK (FHA|USDA|VA) 7 $1,375,000 $196,429 $6,217 6.81%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $1,365,000 $455,000 $10,971 6.87%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 3 $1,355,000 $451,667 $5,585 7.21%
    Harrison, AR (FHA|USDA|VA) 4 $1,270,000 $317,500 $5,564 7.25%
    LOUISVILLE, KY (FHA|USDA|VA) 2 $1,270,000 $635,000 $4,070 6.43%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $1,265,000 $421,667 $12,353 6.41%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 3 $1,255,000 $418,333 $7,556 6.20%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 5 $1,245,000 $249,000 $2,874 7.30%
    URBAN HONOLULU, HI (FHA|USDA|VA) 2 $1,230,000 $615,000 $25,156 4.88%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 3 $1,225,000 $408,333 $3,461 6.33%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $1,220,000 $610,000 $17,189 6.31%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 3 $1,215,000 $405,000 $7,180 5.50%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 2 $1,150,000 $575,000 $3,789 6.81%
    TOPEKA, KS (FHA|USDA|VA) 7 $1,145,000 $163,571 $3,044 6.84%
    Breckenridge, CO (FHA|USDA|VA) 2 $1,140,000 $570,000 $13,259 7.12%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 5 $1,135,000 $227,000 $2,411 7.17%
    Kill Devil Hills, NC (FHA|USDA|VA) 4 $1,130,000 $282,500 $3,240 6.93%
    Taos, NM (FHA|USDA|VA) 1 $1,115,000 $1,115,000 $7,287 5.75%
    RICHMOND, VA (FHA|USDA|VA) 2 $1,100,000 $550,000 $10,606 6.19%
    Athens, TX (FHA|USDA|VA) 1 $1,045,000 $1,045,000 $9,333 7.75%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 2 $1,040,000 $520,000 $3,364 6.38%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $1,030,000 $515,000 $5,213 6.50%
    Morehead City, NC (FHA|USDA|VA) 3 $1,015,000 $338,333 $4,244 7.46%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $5,851 5.99%
    FORT COLLINS, CO (FHA|USDA|VA) 3 $995,000 $331,667 $8,546 6.04%
    HUNTSVILLE, AL (FHA|USDA|VA) 2 $990,000 $495,000 $4,045 5.69%
    BOISE CITY, ID (FHA|USDA|VA) 1 $985,000 $985,000 $6,521 7.00%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 5 $985,000 $197,000 $6,538 7.38%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 2 $970,000 $485,000 $3,992 6.81%
    Ada, OK (FHA|USDA|VA) 1 $955,000 $955,000 $5,110 6.50%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 4 $890,000 $222,500 $3,843 7.12%
    Sevierville, TN (FHA|USDA|VA) 2 $850,000 $425,000 $0 7.56%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 3 $835,000 $278,333 $2,686 7.54%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 2 $830,000 $415,000 $4,197 6.93%
    Bartlesville, OK (FHA|USDA|VA) 3 $815,000 $271,667 $5,730 6.49%
    ROCKY MOUNT, NC (FHA|USDA|VA) 3 $805,000 $268,333 $7,851 6.92%
    GREELEY, CO (FHA|USDA|VA) 2 $780,000 $390,000 $11,571 6.06%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $765,000 $765,000 $6,034 6.13%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $765,000 $765,000 $3,395 6.49%
    EAU CLAIRE, WI (FHA|USDA|VA) 1 $755,000 $755,000 $4,679 5.75%
    ABILENE, TX (FHA|USDA|VA) 2 $750,000 $375,000 $12,803 7.31%
    LYNCHBURG, VA (FHA|USDA|VA) 2 $730,000 $365,000 $4,849 5.69%
    WINCHESTER, VA-WV (FHA|USDA|VA) 2 $720,000 $360,000 $4,431 6.37%
    FARGO, ND-MN (FHA|USDA|VA) 1 $715,000 $715,000 $11,477 5.99%
    PEORIA, IL (FHA|USDA|VA) 2 $710,000 $355,000 $4,533 6.50%
    TUCSON, AZ (FHA|USDA|VA) 1 $705,000 $705,000 $7,154 6.12%
    Rexburg, ID (FHA|USDA|VA) 1 $705,000 $705,000 $5,988 6.99%
    VALDOSTA, GA (FHA|USDA|VA) 2 $700,000 $350,000 $11,470 6.56%
    Washington, NC (FHA|USDA|VA) 1 $685,000 $685,000 $27,140 6.13%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $685,000 $685,000 $6,659 6.62%
    OCALA, FL (FHA|USDA|VA) 2 $680,000 $340,000 $13,239 5.63%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 3 $675,000 $225,000 $7,150 6.67%
    FORT SMITH, AR-OK (FHA|USDA|VA) 5 $675,000 $135,000 $4,487 6.58%
    GREEN BAY, WI (FHA|USDA|VA) 1 $665,000 $665,000 $2,925 6.50%
    AKRON, OH (FHA|USDA|VA) 1 $665,000 $665,000 $5,696 6.62%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $645,000 $645,000 $6,900 5.99%
    Stillwater, OK (FHA|USDA|VA) 2 $640,000 $320,000 $5,593 6.81%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $635,000 $635,000 $2,975 5.63%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 2 $630,000 $315,000 $6,059 6.00%
    Heber, UT (FHA|USDA|VA) 1 $615,000 $615,000 $5,020 5.50%
    Hilo, HI (FHA|USDA|VA) 1 $595,000 $595,000 $6,214 6.49%
    Lebanon, NH-VT (FHA|USDA|VA) 1 $585,000 $585,000 $5,385 6.88%
    Hannibal, MO (FHA|USDA|VA) 3 $585,000 $195,000 $2,147 7.63%
    NEW BERN, NC (FHA|USDA|VA) 2 $580,000 $290,000 $4,602 7.56%
    Poplar Bluff, MO (FHA|USDA|VA) 5 $575,000 $115,000 $3,209 7.75%
    ENID, OK (FHA|USDA|VA) 3 $575,000 $191,667 $2,222 7.83%
    MORRISTOWN, TN (FHA|USDA|VA) 1 $565,000 $565,000 $17,014 6.00%
    CORVALLIS, OR (FHA|USDA|VA) 1 $555,000 $555,000 $5,818 6.49%
    PUNTA GORDA, FL (FHA|USDA|VA) 3 $555,000 $185,000 $6,890 6.74%
    GAINESVILLE, GA (FHA|USDA|VA) 1 $555,000 $555,000 $4,927 6.00%
    PANAMA CITY, FL (FHA|USDA|VA) 2 $550,000 $275,000 $6,029 7.31%
    KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $535,000 $535,000 $15,647 5.99%
    Arcadia, FL (FHA|USDA|VA) 1 $535,000 $535,000 $6,075 6.88%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $515,000 $515,000 $5,473 6.62%
    Los Alamos, NM (FHA|USDA|VA) 1 $505,000 $505,000 $4,785 5.75%
    WINSTON-SALEM, NC (FHA|USDA|VA) 3 $495,000 $165,000 $4,577 7.46%
    SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $485,000 $485,000 $3,478 8.00%
    Craig, CO (FHA|USDA|VA) 2 $480,000 $240,000 $4,466 6.63%
    Cullman, AL (FHA|USDA|VA) 1 $475,000 $475,000 $11,855 5.63%
    Fernley, NV (FHA|USDA|VA) 1 $475,000 $475,000 $6,268 6.75%
    YUBA CITY, CA (FHA|USDA|VA) 1 $475,000 $475,000 $13,156 5.75%
    Sandpoint, ID (FHA|USDA|VA) 1 $475,000 $475,000 $9,362 5.50%
    Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 2 $470,000 $235,000 $2,954 7.25%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 2 $470,000 $235,000 $4,669 6.50%
    MEDFORD, OR (FHA|USDA|VA) 1 $465,000 $465,000 $16,788 5.50%
    KANKAKEE, IL (FHA|USDA|VA) 1 $455,000 $455,000 $13,448 5.13%
    Greeneville, TN (FHA|USDA|VA) 1 $455,000 $455,000 $4,426 6.99%
    Crescent City, CA (FHA|USDA|VA) 1 $445,000 $445,000 $4,701 5.13%
    Marshall, MO (FHA|USDA|VA) 6 $440,000 $73,333 $3,202 6.79%
    Muskogee, OK (FHA|USDA|VA) 3 $425,000 $141,667 $7,885 6.46%
    Marion, NC (FHA|USDA|VA) 1 $415,000 $415,000 $3,077 6.88%
    MONTGOMERY, AL (FHA|USDA|VA) 1 $415,000 $415,000 $10,715 6.00%
    ROANOKE, VA (FHA|USDA|VA) 1 $405,000 $405,000 $6,889 7.00%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $405,000 $405,000 $6,419 6.49%
    Steamboat Springs, CO (FHA|USDA|VA) 1 $405,000 $405,000 $0 7.50%
    Boone, NC (FHA|USDA|VA) 1 $405,000 $405,000 $0 6.00%
    SALEM, OR (FHA|USDA|VA) 1 $405,000 $405,000 $4,981 6.88%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $405,000 $405,000 $6,509 8.13%
    VICTORIA, TX (FHA|USDA|VA) 1 $395,000 $395,000 $5,648 6.25%
    APPLETON, WI (FHA|USDA|VA) 1 $395,000 $395,000 $4,889 6.13%
    BOWLING GREEN, KY (FHA|USDA|VA) 1 $385,000 $385,000 $10,892 5.75%
    Ruidoso, NM (FHA|USDA|VA) 1 $385,000 $385,000 $7,270 8.63%
    Alamogordo, NM (FHA|USDA|VA) 1 $385,000 $385,000 $13,185 5.99%
    HOT SPRINGS, AR (FHA|USDA|VA) 2 $380,000 $190,000 $4,887 7.56%
    Coos Bay, OR (FHA|USDA|VA) 1 $375,000 $375,000 $5,212 8.25%
    FLAGSTAFF, AZ (FHA|USDA|VA) 1 $375,000 $375,000 $5,295 5.25%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $365,000 $365,000 $3,565 6.62%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $365,000 $365,000 $12,068 6.25%
    FLORENCE, SC (FHA|USDA|VA) 1 $365,000 $365,000 $5,731 5.75%
    SANTA FE, NM (FHA|USDA|VA) 1 $355,000 $355,000 $5,852 6.62%
    BLOOMINGTON, IL (FHA|USDA|VA) 1 $355,000 $355,000 $3,723 7.38%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $345,000 $345,000 $11,467 6.63%
    Fallon, NV (FHA|USDA|VA) 1 $345,000 $345,000 $19,076 6.25%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $345,000 $345,000 $9,765 7.99%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $335,000 $335,000 $15,567 6.75%
    Wilson, NC (FHA|USDA|VA) 2 $330,000 $165,000 $3,508 7.75%
    TEXARKANA, TX-AR (FHA|USDA|VA) 1 $315,000 $315,000 $11,174 4.75%
    BRUNSWICK, GA (FHA|USDA|VA) 1 $315,000 $315,000 $5,267 5.63%
    Sanford, NC (FHA|USDA|VA) 2 $310,000 $155,000 $6,213 6.88%
    SHEBOYGAN, WI (FHA|USDA|VA) 1 $295,000 $295,000 $2,721 7.50%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $295,000 $295,000 $4,422 6.38%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $285,000 $285,000 $3,887 6.00%
    Quincy, IL-MO (FHA|USDA|VA) 1 $275,000 $275,000 $10,896 6.25%
    Clovis, NM (FHA|USDA|VA) 1 $265,000 $265,000 $13,549 6.13%
    FARMINGTON, NM (FHA|USDA|VA) 1 $265,000 $265,000 $2,595 7.13%
    Marshalltown, IA (FHA|USDA|VA) 1 $265,000 $265,000 $3,440 7.88%
    Tupelo, MS (FHA|USDA|VA) 1 $265,000 $265,000 $7,880 6.25%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $255,000 $255,000 $6,025 6.75%
    SAVANNAH, GA (FHA|USDA|VA) 1 $255,000 $255,000 $7,546 5.75%
    Bucyrus-Galion, OH (FHA|USDA|VA) 1 $255,000 $255,000 $8,405 6.63%
    JACKSON, MS (FHA|USDA|VA) 1 $245,000 $245,000 $3,791 6.99%
    CHARLESTON, WV (FHA|USDA|VA) 1 $245,000 $245,000 $3,672 5.99%
    Jacksonville, TX (FHA|USDA|VA) 1 $235,000 $235,000 $4,206 6.75%
    Bluffton, IN (FHA|USDA|VA) 1 $235,000 $235,000 $3,904 6.63%
    Logansport, IN (FHA|USDA|VA) 1 $235,000 $235,000 $2,374 7.25%
    Hastings, NE (FHA|USDA|VA) 1 $235,000 $235,000 $7,201 6.75%
    Kinston, NC (FHA|USDA|VA) 1 $225,000 $225,000 $9,688 7.00%
    GREENVILLE, NC (FHA|USDA|VA) 1 $225,000 $225,000 $6,063 6.13%
    Kirksville, MO (FHA|USDA|VA) 2 $220,000 $110,000 $3,546 6.94%
    LEBANON, PA (FHA|USDA|VA) 1 $215,000 $215,000 $3,224 5.88%
    CARSON CITY, NV (FHA|USDA|VA) 1 $215,000 $215,000 $4,391 6.49%
    AMARILLO, TX (FHA|USDA|VA) 1 $205,000 $205,000 $3,435 5.99%
    GRAND ISLAND, NE (FHA|USDA|VA) 1 $205,000 $205,000 $2,661 7.38%
    Oxford, MS (FHA|USDA|VA) 1 $205,000 $205,000 $2,177 8.13%
    Lufkin, TX (FHA|USDA|VA) 1 $205,000 $205,000 $4,404 7.13%
    Ponca City, OK (FHA|USDA|VA) 1 $205,000 $205,000 $7,310 6.00%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $195,000 $195,000 $4,603 6.13%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $185,000 $185,000 $7,952 6.50%
    GOLDSBORO, NC (FHA|USDA|VA) 1 $185,000 $185,000 $3,731 7.63%
    Georgetown, SC (FHA|USDA|VA) 1 $175,000 $175,000 $8,903 7.25%
    MANHATTAN, KS (FHA|USDA|VA) 1 $175,000 $175,000 $10,084 5.75%
    Atchison, KS (FHA|USDA|VA) 2 $170,000 $85,000 $2,582 6.38%
    Woodward, OK (FHA|USDA|VA) 1 $165,000 $165,000 $7,655 6.63%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $165,000 $165,000 $0 6.63%
    COLUMBIA, SC (FHA|USDA|VA) 1 $165,000 $165,000 $6,486 7.99%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $155,000 $155,000 $7,683 6.38%
    Ashtabula, OH (FHA|USDA|VA) 1 $135,000 $135,000 $7,019 6.63%
    WICHITA FALLS, TX (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.63%
    Bonham, TX (FHA|USDA|VA) 1 $125,000 $125,000 $4,143 6.50%
    MISSOULA, MT (FHA|USDA|VA) 1 $125,000 $125,000 $0 6.75%
    TUSCALOOSA, AL (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.00%
    Brainerd, MN (FHA|USDA|VA) 1 $115,000 $115,000 $0 8.13%
    Duncan, OK (FHA|USDA|VA) 1 $85,000 $85,000 $5,430 6.50%
    Miami, OK (FHA|USDA|VA) 1 $85,000 $85,000 $3,876 6.50%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $85,000 $85,000 $2,883 6.63%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $85,000 $85,000 $2,801 6.63%
    Jacksonville, IL (FHA|USDA|VA) 1 $75,000 $75,000 $1,867 8.50%
    Pella, IA (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.50%
    BOULDER, CO (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.50%
    Greenwood, SC (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.99%
    The Central Trust Bank's top markets include St. Louis, Kansas City, Colorado Springs, Columbia, and Jefferson City among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,766 $1,450,640,000 $304,373 $3,875 7.14%
    HELOC 1,729 $150,805,000 $87,221 n/a 6.58%
    FHA 576 $146,580,000 $254,479 $8,970 6.48%
    VA 361 $161,575,000 $447,576 $9,488 6.26%
    USDA 81 $14,665,000 $181,049 $5,422 6.38%

    For 2024, The Central Trust Bank's most frequently originated type of loan was Conventional, with 4,766 originations. Their 2nd most popular type was HELOC, with 1,729 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,706 $1,518,370,000 $322,646 $5,325 6.90%
    Other 939 $88,915,000 $94,691 $2,336 7.04%
    Home Improvement 766 $56,820,000 $74,178 $2,262 6.67%
    Cash Out Refi 702 $139,040,000 $198,063 $3,787 7.19%
    Refi 399 $121,075,000 $303,446 $3,704 6.65%
    NA 1 $45,000 $45,000 $0 5.99%

    For 2024, The Central Trust Bank's most frequently cited loan purpose was Home Purchase, with 4,706 originations. The 2nd most popular reason was Other, with 939 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,638 $1,459,870,000 $314,763 $5,160 6.81%
    20 Year 1,996 $182,070,000 $91,217 $2,159 6.78%
    5 Year 251 $58,165,000 $231,733 $0 7.55%
    1 Year 245 $103,995,000 $424,469 $2,369 8.13%
    Other 137 $58,165,000 $424,562 $3,865 7.95%
    3 Year 86 $17,950,000 $208,721 $0 7.76%
    15 Year 86 $35,400,000 $411,628 $4,438 6.06%
    10 Year 74 $8,650,000 $116,892 $1,778 8.45%

    For 2024, The Central Trust Bank's most frequently cited loan duration was 30 Year, with 4,638 originations. The 2nd most popular length was 20 Year, with 1,996 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 3,254 $1,056,160,000 $324,573
    $2k-3k 537 $150,495,000 $280,251
    $<1k 484 $75,530,000 $156,054
    $3k-4k 346 $96,260,000 $278,208
    $5k+ 228 $110,900,000 $486,404
    $4k-5k 143 $50,145,000 $350,664

    The Central Trust Bank's average total fees were $5,160, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 3,254 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 2,991 $956,765,000 $319,881
    7-8% 1,745 $495,855,000 $284,158
    5-6% 1,741 $282,215,000 $162,099
    Over 8% 1,016 $179,390,000 $176,565
    4-5% 20 $10,040,000 $502,000

    During 2024, The Central Trust Bank's average interest rate for loans was 6.81%, while their most frequently originated rate bucket for loans was 6-7%, with 2,991 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,284 $644,130,000 $282,018 $5,323 6.98%
    $100k-200k 1,973 $292,665,000 $148,335 $3,936 6.93%
    $100,000 or less 1,912 $105,440,000 $55,146 $2,459 6.89%
    $400k-600k 829 $397,305,000 $479,258 $6,417 6.85%
    $600k-1MM 408 $296,580,000 $726,912 $6,409 6.62%
    $1MM+ 107 $188,145,000 $1,758,364 $7,135 6.84%

    2024 saw The Central Trust Bank place emphasis on $200k-400k loans with 2,284 originations, totaling $644,130,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,516 $377,810,000 $249,215 $5,486 6.87%
    $50k-75k 1,337 $207,165,000 $154,948 $4,475 6.82%
    $150k-250k 1,216 $402,910,000 $331,340 $5,293 6.86%
    $75k-100k 1,141 $225,645,000 $197,761 $5,329 6.86%
    $50k or less 858 $97,510,000 $113,648 $3,752 6.86%
    $250k+ 802 $411,440,000 $513,017 $5,125 6.96%

    The Central Trust Bank lent most frequently to those with incomes in the $100k-150k range, with 1,516 originations. The second most popular income band? $50k-75k, with 1,337 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,425 $304,265,000 $213,519 $4,118 6.69%
    30-36% 1,315 $289,785,000 $220,369 $4,389 6.76%
    <20% 638 $128,210,000 $200,956 $3,577 6.82%
    50-60% 353 $116,795,000 $330,864 $7,394 6.85%
    39% 343 $76,975,000 $224,417 $4,557 6.83%
    49% 293 $75,025,000 $256,058 $5,050 7.21%
    38% 278 $71,250,000 $256,295 $5,047 6.79%
    37% 273 $74,755,000 $273,828 $5,381 6.82%
    36% 267 $71,715,000 $268,596 $4,914 6.75%
    44% 237 $69,505,000 $293,270 $5,104 7.12%
    40% 231 $66,265,000 $286,861 $5,392 6.94%
    43% 204 $61,110,000 $299,559 $5,184 6.96%
    42% 190 $55,030,000 $289,632 $4,966 6.98%
    48% 186 $57,940,000 $311,505 $5,813 7.11%
    46% 183 $54,405,000 $297,295 $5,478 6.98%
    47% 179 $47,305,000 $264,274 $5,190 7.11%
    45% 172 $45,550,000 $264,826 $5,126 7.06%
    41% 160 $44,100,000 $275,625 $5,527 6.98%
    >60% 102 $35,870,000 $351,667 $5,223 7.32%

    The Central Trust Bank lent most frequently to those with DTI ratios of 20-30%, with 1,425 originations. The next most common DTI ratio? 30-36%, with 1,315 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5,951 $1,426,955,000 $239,784 $4,784 6.88%
    Not provided 564 $168,960,000 $299,574 $5,636 6.79%
    Not applicable 419 $162,955,000 $388,914 $0 7.72%
    Asian 176 $65,320,000 $371,136 $5,299 6.68%
    Black 253 $53,745,000 $212,431 $5,442 6.77%
    American Indian 86 $20,300,000 $236,047 $6,174 6.78%
    Asian Indian 29 $12,085,000 $416,724 $4,353 6.72%
    Other Asian 14 $6,120,000 $437,143 $5,231 6.63%
    Vietnamese 6 $2,200,000 $366,667 $3,766 6.75%
    Native Hawaiian or Islander 5 $2,145,000 $429,000 $11,661 6.40%
    Chinese 4 $1,630,000 $407,500 $4,269 6.97%
    Korean 3 $1,105,000 $368,333 $3,167 6.50%
    Filipino 1 $535,000 $535,000 $15,647 5.99%
    Guamanian 1 $125,000 $125,000 $2,926 6.88%
    Other Pacific Islander 1 $85,000 $85,000 $0 5.49%

    Approval Rates

    Total approvals of all applications
    91.05%

    The Central Trust Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    65.27%

    The Central Trust Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 7,513 $1,924,265,000 $256,125

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    7,513 $1,924,265,000 $256,125

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,027 $148,495,000 $144,591 $2,978 6.96%
    40-60% 761 $237,965,000 $312,700 $3,784 7.06%
    60-80% 1,683 $547,215,000 $325,143 $4,294 7.13%
    80-100% 2,710 $877,110,000 $323,657 $5,580 6.78%
    Over 100% 87 $39,935,000 $459,023 $16,621 6.30%
    Under 20% 1,241 $71,105,000 $57,297 $1,975 6.79%