The Central Trust Bank Mortgage Rates, Fees & Info

Jefferson City, MO

LEI: 549300UF3FPC7U6RFC59

Tax ID: 43-0975002

5 stars - Updated: 12/4/23 - out of 5 stars, based on 97 reviews

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

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  • SimulatedRates™
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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 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 by origination volume include: Kansas City, Columbia, St. Louis, Springfield, and Jefferson City among others. We have data for 347 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) 5.99% 12/4/23
    30 Year Conventional Purchase 6.71% 12/4/23
    30 Year Conventional Refi 6.64% 12/4/23
    30 Year Cash-out Refi 6.81% 12/4/23
    30 Year FHA Purchase 7.34% 12/4/23
    30 Year FHA Refi 7.31% 12/4/23
    30 Year VA Purchase 5.83% 12/4/23
    30 Year VA Refi 5.85% 12/4/23
    30 Year USDA Purchase 6.79% 12/4/23
    15 Year Conventional Purchase 6.04% 12/4/23
    15 Year Conventional Refi 6.24% 12/4/23
    15 Year Cash-out Refi 6.24% 12/4/23
    15 Year VA Purchase 7.00% 12/4/23
    15 Year VA Refi 5.68% 12/4/23
    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

    9,404

    Origination Dollar Volume (All Markets)

    $2,465,980,000
    Show all (54) awards

    Relative Rate

    The Central Trust Bank's average 30 year fixed mortgage rate was 4.81%.

    The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

    This yields a difference of 0.05%.

    Relative Fees (Closing Costs)

    The Central Trust Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $4,474.

    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 $4,750.

    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
    Outside of Metro Areas 1,244 $274,650,000 $220,780 $3,502 4.60%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 923 $229,285,000 $248,413 $3,131 4.51%
    COLUMBIA, MO (FHA|USDA|VA) 986 $210,320,000 $213,306 $3,063 4.54%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 819 $201,825,000 $246,429 $3,773 4.45%
    SPRINGFIELD, MO (FHA|USDA|VA) 764 $176,270,000 $230,720 $3,813 4.50%
    JEFFERSON CITY, MO (FHA|USDA|VA) 1,065 $149,355,000 $140,239 $2,725 4.51%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 179 $79,875,000 $446,229 $7,040 4.27%
    RALEIGH-CARY, NC (FHA|USDA|VA) 219 $78,725,000 $359,475 $5,336 4.58%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 199 $76,835,000 $386,106 $5,940 4.60%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 288 $69,320,000 $240,694 $4,110 4.66%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 109 $58,935,000 $540,688 $5,435 5.07%
    TULSA, OK (FHA|USDA|VA) 101 $41,895,000 $414,802 $4,563 4.87%
    Durango, CO (FHA|USDA|VA) 86 $39,490,000 $459,186 $4,336 4.80%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 72 $38,970,000 $541,250 $5,441 4.56%
    Branson, MO (FHA|USDA|VA) 226 $36,010,000 $159,336 $3,296 4.75%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 45 $24,215,000 $538,111 $7,204 4.60%
    Warrensburg, MO (FHA|USDA|VA) 118 $23,990,000 $203,305 $2,983 4.64%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 43 $20,635,000 $479,884 $6,559 4.29%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 34 $19,750,000 $580,882 $6,678 4.18%
    Sedalia, MO (FHA|USDA|VA) 186 $18,960,000 $101,935 $2,681 4.80%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 32 $18,720,000 $585,000 $6,304 4.29%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 34 $18,600,000 $547,059 $7,562 4.39%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 58 $17,950,000 $309,483 $5,387 4.68%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 25 $16,905,000 $676,200 $6,953 4.76%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 34 $16,620,000 $488,824 $6,679 4.32%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 51 $16,235,000 $318,333 $4,226 5.96%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 37 $14,805,000 $400,135 $5,930 5.08%
    Cañon City, CO (FHA|USDA|VA) 54 $14,530,000 $269,074 $7,615 5.07%
    LAWRENCE, KS (FHA|USDA|VA) 56 $11,980,000 $213,929 $2,463 4.14%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 32 $11,540,000 $360,625 $6,248 4.48%
    WICHITA, KS (FHA|USDA|VA) 40 $11,540,000 $288,500 $5,670 4.79%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 24 $11,430,000 $476,250 $5,829 4.93%
    Moberly, MO (FHA|USDA|VA) 93 $11,005,000 $118,333 $2,437 4.63%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 24 $10,430,000 $434,583 $6,510 4.25%
    Mexico, MO (FHA|USDA|VA) 86 $10,320,000 $120,000 $2,456 5.16%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 15 $9,925,000 $661,667 $7,314 4.89%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 19 $9,595,000 $505,000 $6,737 4.42%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 13 $8,745,000 $672,692 $6,691 4.15%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 23 $8,425,000 $366,304 $4,456 4.75%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 21 $7,775,000 $370,238 $6,152 4.54%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 21 $7,475,000 $355,952 $5,505 4.57%
    Glenwood Springs, CO (FHA|USDA|VA) 2 $7,150,000 $3,575,000 $11,904 3.63%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 11 $7,145,000 $649,545 $9,878 4.30%
    RENO, NV (FHA|USDA|VA) 11 $6,245,000 $567,727 $5,878 4.52%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 16 $6,230,000 $389,375 $3,712 4.51%
    PUEBLO, CO (FHA|USDA|VA) 21 $6,155,000 $293,095 $7,933 4.78%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 16 $5,710,000 $356,875 $4,865 4.62%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 11 $5,345,000 $485,909 $6,467 4.57%
    HUNTSVILLE, AL (FHA|USDA|VA) 16 $5,160,000 $322,500 $4,669 4.73%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 11 $5,065,000 $460,455 $6,524 4.26%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 12 $5,010,000 $417,500 $5,684 4.36%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 12 $4,870,000 $405,833 $4,146 4.88%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 16 $4,750,000 $296,875 $3,917 5.07%
    WILMINGTON, NC (FHA|USDA|VA) 8 $4,520,000 $565,000 $4,453 4.61%
    PROVO-OREM, UT (FHA|USDA|VA) 8 $4,510,000 $563,750 $7,039 4.78%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 10 $4,250,000 $425,000 $10,235 4.20%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 9 $4,085,000 $453,889 $4,782 3.75%
    FAYETTEVILLE, NC (FHA|USDA|VA) 13 $3,945,000 $303,462 $7,058 4.06%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 9 $3,675,000 $408,333 $4,525 4.18%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 6 $3,640,000 $606,667 $3,102 3.92%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 18 $3,430,000 $190,556 $2,871 5.06%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 9 $3,345,000 $371,667 $7,723 4.40%
    ASHEVILLE, NC (FHA|USDA|VA) 10 $3,240,000 $324,000 $4,693 4.95%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 7 $3,155,000 $450,714 $4,311 4.27%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 8 $3,100,000 $387,500 $3,846 4.57%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 14 $3,070,000 $219,286 $3,226 5.13%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 6 $2,910,000 $485,000 $8,066 4.33%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 5 $2,895,000 $579,000 $4,587 4.17%
    URBAN HONOLULU, HI (FHA|USDA|VA) 5 $2,815,000 $563,000 $4,096 4.50%
    JACKSONVILLE, NC (FHA|USDA|VA) 7 $2,785,000 $397,857 $6,311 4.43%
    TUCSON, AZ (FHA|USDA|VA) 9 $2,775,000 $308,333 $3,843 4.79%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 9 $2,725,000 $302,778 $6,979 4.68%
    JACKSONVILLE, FL (FHA|USDA|VA) 7 $2,715,000 $387,857 $8,924 3.57%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 7 $2,695,000 $385,000 $7,046 4.32%
    Farmington, MO (FHA|USDA|VA) 4 $2,680,000 $670,000 $3,022 3.62%
    FORT COLLINS, CO (FHA|USDA|VA) 6 $2,680,000 $446,667 $3,084 5.31%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 6 $2,640,000 $440,000 $5,290 3.73%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 5 $2,605,000 $521,000 $7,206 6.20%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 7 $2,505,000 $357,857 $7,890 4.80%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 6 $2,500,000 $416,667 $11,858 4.10%
    Sevierville, TN (FHA|USDA|VA) 4 $2,490,000 $622,500 $4,986 4.97%
    Morehead City, NC (FHA|USDA|VA) 4 $2,450,000 $612,500 $5,356 4.75%
    COLUMBIA, SC (FHA|USDA|VA) 8 $2,440,000 $305,000 $6,320 4.67%
    KNOXVILLE, TN (FHA|USDA|VA) 5 $2,425,000 $485,000 $4,708 3.97%
    LOUISVILLE, KY (FHA|USDA|VA) 5 $2,425,000 $485,000 $7,632 4.75%
    BOISE CITY, ID (FHA|USDA|VA) 5 $2,365,000 $473,000 $4,562 3.75%
    COLUMBUS, OH (FHA|USDA|VA) 7 $2,235,000 $319,286 $5,639 5.02%
    RICHMOND, VA (FHA|USDA|VA) 6 $2,180,000 $363,333 $8,558 3.71%
    BOULDER, CO (FHA|USDA|VA) 4 $2,130,000 $532,500 $4,885 3.97%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 4 $2,040,000 $510,000 $8,963 4.09%
    Rolla, MO (FHA|USDA|VA) 9 $2,015,000 $223,889 $3,942 5.87%
    Pella, IA (FHA|USDA|VA) 8 $2,000,000 $250,000 $5,096 4.17%
    Harrison, AR (FHA|USDA|VA) 7 $1,975,000 $282,143 $4,683 5.22%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 5 $1,955,000 $391,000 $4,283 4.10%
    AMES, IA (FHA|USDA|VA) 7 $1,895,000 $270,714 $4,412 5.13%
    GREELEY, CO (FHA|USDA|VA) 4 $1,830,000 $457,500 $3,622 3.78%
    SALISBURY, MD-DE (FHA|USDA|VA) 4 $1,770,000 $442,500 $6,484 4.93%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 5 $1,645,000 $329,000 $11,537 4.75%
    Concord, NH (FHA|USDA|VA) 2 $1,610,000 $805,000 $20,177 4.75%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 4 $1,550,000 $387,500 $2,309 4.50%
    BILLINGS, MT (FHA|USDA|VA) 3 $1,515,000 $505,000 $2,834 4.21%
    SALT LAKE CITY, UT (FHA|USDA|VA) 3 $1,495,000 $498,333 $4,420 3.88%
    LAS CRUCES, NM (FHA|USDA|VA) 5 $1,485,000 $297,000 $7,310 4.80%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 4 $1,460,000 $365,000 $5,754 5.25%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 3 $1,445,000 $481,667 $4,633 4.04%
    Seneca, SC (FHA|USDA|VA) 2 $1,410,000 $705,000 $6,142 4.81%
    Lebanon, MO (FHA|USDA|VA) 9 $1,405,000 $156,111 $2,547 5.13%
    JOPLIN, MO (FHA|USDA|VA) 8 $1,400,000 $175,000 $3,626 5.16%
    JACKSON, MS (FHA|USDA|VA) 3 $1,385,000 $461,667 $3,372 3.12%
    WINSTON-SALEM, NC (FHA|USDA|VA) 5 $1,385,000 $277,000 $5,481 5.08%
    DOTHAN, AL (FHA|USDA|VA) 4 $1,370,000 $342,500 $5,952 4.28%
    LAFAYETTE, LA (FHA|USDA|VA) 2 $1,330,000 $665,000 $7,868 4.81%
    ANCHORAGE, AK (FHA|USDA|VA) 3 $1,315,000 $438,333 $13,086 5.00%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $1,300,000 $650,000 $5,943 5.56%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 3 $1,275,000 $425,000 $13,163 4.46%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 4 $1,260,000 $315,000 $3,992 4.63%
    LYNCHBURG, VA (FHA|USDA|VA) 3 $1,255,000 $418,333 $6,177 5.79%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 3 $1,245,000 $415,000 $5,461 4.92%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 2 $1,240,000 $620,000 $2,630 4.81%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 4 $1,220,000 $305,000 $5,213 4.47%
    FARMINGTON, NM (FHA|USDA|VA) 6 $1,210,000 $201,667 $5,799 4.17%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $1,180,000 $590,000 $5,217 4.13%
    ABILENE, TX (FHA|USDA|VA) 3 $1,175,000 $391,667 $6,819 4.12%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 3 $1,165,000 $388,333 $12,842 2.92%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 5 $1,165,000 $233,000 $0 4.10%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 3 $1,155,000 $385,000 $3,083 4.54%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 3 $1,155,000 $385,000 $3,714 3.58%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 3 $1,135,000 $378,333 $4,773 3.67%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 4 $1,120,000 $280,000 $5,729 3.41%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 5 $1,105,000 $221,000 $2,637 5.20%
    MONTGOMERY, AL (FHA|USDA|VA) 4 $1,100,000 $275,000 $11,046 4.22%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 3 $1,085,000 $361,667 $4,419 4.79%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 2 $1,070,000 $535,000 $27,770 2.50%
    Bozeman, MT (FHA|USDA|VA) 2 $1,050,000 $525,000 $2,971 5.87%
    Hilo, HI (FHA|USDA|VA) 1 $1,035,000 $1,035,000 $6,067 3.00%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 3 $1,035,000 $345,000 $8,534 4.75%
    Montrose, CO (FHA|USDA|VA) 1 $1,035,000 $1,035,000 $3,656 3.25%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 4 $1,030,000 $257,500 $4,275 3.47%
    SAVANNAH, GA (FHA|USDA|VA) 3 $1,025,000 $341,667 $9,474 4.66%
    Marshall, MO (FHA|USDA|VA) 8 $1,000,000 $125,000 $3,442 5.33%
    Tahlequah, OK (FHA|USDA|VA) 3 $965,000 $321,667 $3,248 5.17%
    SALEM, OR (FHA|USDA|VA) 2 $960,000 $480,000 $29,978 4.44%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 3 $935,000 $311,667 $6,031 5.75%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $900,000 $450,000 $3,266 4.06%
    DOVER, DE (FHA|USDA|VA) 2 $880,000 $440,000 $7,991 4.56%
    ST. GEORGE, UT (FHA|USDA|VA) 2 $870,000 $435,000 $5,764 3.50%
    Boone, NC (FHA|USDA|VA) 2 $850,000 $425,000 $4,978 3.19%
    Ottawa, KS (FHA|USDA|VA) 7 $835,000 $119,286 $2,517 5.11%
    WACO, TX (FHA|USDA|VA) 3 $835,000 $278,333 $4,414 5.29%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $830,000 $415,000 $6,149 4.37%
    Fort Leonard Wood, MO (FHA|USDA|VA) 8 $830,000 $103,750 $3,415 4.04%
    Kapaa, HI (FHA|USDA|VA) 1 $815,000 $815,000 $3,325 3.63%
    SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $815,000 $815,000 $4,791 5.13%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $810,000 $405,000 $9,107 5.88%
    Paragould, AR (FHA|USDA|VA) 2 $800,000 $400,000 $3,896 3.50%
    READING, PA (FHA|USDA|VA) 1 $785,000 $785,000 $18,222 3.13%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 2 $780,000 $390,000 $12,125 3.75%
    SAN ANGELO, TX (FHA|USDA|VA) 2 $770,000 $385,000 $7,013 5.00%
    MADISON, WI (FHA|USDA|VA) 2 $740,000 $370,000 $6,176 3.93%
    Poplar Bluff, MO (FHA|USDA|VA) 4 $730,000 $182,500 $5,627 5.26%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 2 $730,000 $365,000 $6,122 4.44%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $720,000 $360,000 $6,175 4.44%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $705,000 $705,000 $2,877 4.50%
    VALLEJO, CA (FHA|USDA|VA) 1 $705,000 $705,000 $13,715 4.50%
    MISSOULA, MT (FHA|USDA|VA) 2 $700,000 $350,000 $4,126 5.00%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $700,000 $350,000 $7,757 3.69%
    BURLINGTON, NC (FHA|USDA|VA) 2 $700,000 $350,000 $6,541 4.38%
    ALBUQUERQUE, NM (FHA|USDA|VA) 3 $695,000 $231,667 $4,640 4.67%
    GAINESVILLE, GA (FHA|USDA|VA) 2 $690,000 $345,000 $3,319 4.69%
    GOLDSBORO, NC (FHA|USDA|VA) 3 $685,000 $228,333 $6,288 5.21%
    BATON ROUGE, LA (FHA|USDA|VA) 2 $680,000 $340,000 $3,734 5.12%
    Kirksville, MO (FHA|USDA|VA) 3 $665,000 $221,667 $2,584 6.42%
    TALLAHASSEE, FL (FHA|USDA|VA) 2 $660,000 $330,000 $6,453 4.56%
    MEDFORD, OR (FHA|USDA|VA) 1 $655,000 $655,000 $4,372 5.25%
    Española, NM (FHA|USDA|VA) 1 $655,000 $655,000 $3,693 4.50%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $645,000 $645,000 $2,275 3.12%
    Mount Pleasant, TX (FHA|USDA|VA) 1 $645,000 $645,000 $6,028 3.63%
    Hannibal, MO (FHA|USDA|VA) 4 $640,000 $160,000 $3,341 5.34%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $615,000 $615,000 $2,909 4.49%
    IOWA CITY, IA (FHA|USDA|VA) 1 $615,000 $615,000 $2,785 2.88%
    BEND, OR (FHA|USDA|VA) 1 $615,000 $615,000 $8,149 5.12%
    LAWTON, OK (FHA|USDA|VA) 2 $610,000 $305,000 $4,018 4.44%
    MIDLAND, TX (FHA|USDA|VA) 1 $605,000 $605,000 $5,270 6.00%
    Kalispell, MT (FHA|USDA|VA) 1 $595,000 $595,000 $3,736 3.63%
    LANCASTER, PA (FHA|USDA|VA) 1 $595,000 $595,000 $5,143 5.00%
    JACKSON, TN (FHA|USDA|VA) 3 $585,000 $195,000 $2,784 4.33%
    SPARTANBURG, SC (FHA|USDA|VA) 2 $580,000 $290,000 $3,347 5.69%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $565,000 $565,000 $4,887 6.62%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $565,000 $565,000 $0 3.38%
    EL PASO, TX (FHA|USDA|VA) 2 $560,000 $280,000 $12,509 3.44%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $560,000 $280,000 $4,627 3.94%
    Decatur, IN (FHA|USDA|VA) 1 $555,000 $555,000 $7,867 2.25%
    JONESBORO, AR (FHA|USDA|VA) 2 $550,000 $275,000 $6,418 5.50%
    YORK-HANOVER, PA (FHA|USDA|VA) 1 $545,000 $545,000 $4,906 4.50%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $525,000 $525,000 $2,210 3.38%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $525,000 $525,000 $4,938 3.12%
    Somerset, KY (FHA|USDA|VA) 3 $525,000 $175,000 $4,563 4.46%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $525,000 $525,000 $14,568 4.37%
    SANTA FE, NM (FHA|USDA|VA) 1 $515,000 $515,000 $14,263 4.49%
    Sanford, NC (FHA|USDA|VA) 2 $510,000 $255,000 $7,278 4.19%
    Scottsboro, AL (FHA|USDA|VA) 2 $510,000 $255,000 $4,252 4.69%
    ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $495,000 $495,000 $4,752 5.00%
    FLORENCE, SC (FHA|USDA|VA) 1 $495,000 $495,000 $4,048 4.12%
    Keene, NH (FHA|USDA|VA) 1 $495,000 $495,000 $10,902 4.50%
    HATTIESBURG, MS (FHA|USDA|VA) 1 $485,000 $485,000 $2,851 3.38%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $485,000 $485,000 $16,497 4.00%
    Oxford, MS (FHA|USDA|VA) 1 $475,000 $475,000 $1,630 2.25%
    Torrington, CT (FHA|USDA|VA) 1 $475,000 $475,000 $3,671 6.50%
    COLUMBUS, GA-AL (FHA|USDA|VA) 1 $475,000 $475,000 $13,806 2.75%
    Oak Harbor, WA (FHA|USDA|VA) 1 $475,000 $475,000 $4,540 3.88%
    Calhoun, GA (FHA|USDA|VA) 1 $475,000 $475,000 $17,559 3.25%
    Sunbury, PA (FHA|USDA|VA) 1 $475,000 $475,000 $4,671 4.87%
    Quincy, IL-MO (FHA|USDA|VA) 2 $470,000 $235,000 $2,992 4.44%
    MODESTO, CA (FHA|USDA|VA) 1 $465,000 $465,000 $11,164 4.50%
    GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $465,000 $465,000 $1,929 4.50%
    WARNER ROBINS, GA (FHA|USDA|VA) 1 $465,000 $465,000 $2,996 2.25%
    GREAT FALLS, MT (FHA|USDA|VA) 2 $460,000 $230,000 $2,124 6.06%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $455,000 $455,000 $5,546 5.49%
    Aberdeen, SD (FHA|USDA|VA) 1 $445,000 $445,000 $3,054 5.25%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $445,000 $445,000 $9,580 4.38%
    St. Marys, GA (FHA|USDA|VA) 2 $440,000 $220,000 $3,668 5.00%
    Henderson, NC (FHA|USDA|VA) 2 $440,000 $220,000 $5,450 4.63%
    Nacogdoches, TX (FHA|USDA|VA) 1 $435,000 $435,000 $10,132 4.63%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $435,000 $435,000 $9,471 4.75%
    Moses Lake, WA (FHA|USDA|VA) 1 $435,000 $435,000 $9,371 4.38%
    MOBILE, AL (FHA|USDA|VA) 2 $430,000 $215,000 $2,273 4.56%
    MANHATTAN, KS (FHA|USDA|VA) 2 $430,000 $215,000 $5,343 4.56%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $425,000 $425,000 $2,877 4.99%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $425,000 $425,000 $14,169 4.75%
    TOPEKA, KS (FHA|USDA|VA) 2 $420,000 $210,000 $0 4.00%
    Granbury, TX (FHA|USDA|VA) 2 $420,000 $210,000 $2,981 4.13%
    Cornelia, GA (FHA|USDA|VA) 1 $415,000 $415,000 $2,853 5.75%
    Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $415,000 $415,000 $17,009 2.75%
    LONGVIEW, TX (FHA|USDA|VA) 1 $415,000 $415,000 $7,380 4.99%
    Aberdeen, WA (FHA|USDA|VA) 1 $405,000 $405,000 $2,572 2.25%
    IDAHO FALLS, ID (FHA|USDA|VA) 1 $405,000 $405,000 $6,298 3.87%
    MONROE, LA (FHA|USDA|VA) 1 $405,000 $405,000 $5,293 3.25%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $405,000 $405,000 $2,370 2.87%
    Silver City, NM (FHA|USDA|VA) 1 $405,000 $405,000 $6,025 5.25%
    West Plains, MO (FHA|USDA|VA) 2 $400,000 $200,000 $3,655 5.69%
    YUBA CITY, CA (FHA|USDA|VA) 1 $395,000 $395,000 $10,054 4.25%
    Brainerd, MN (FHA|USDA|VA) 1 $395,000 $395,000 $2,846 3.13%
    Marshalltown, IA (FHA|USDA|VA) 2 $390,000 $195,000 $4,115 5.00%
    GETTYSBURG, PA (FHA|USDA|VA) 1 $385,000 $385,000 $12,674 3.88%
    ENID, OK (FHA|USDA|VA) 1 $385,000 $385,000 $2,541 4.13%
    Shawano, WI (FHA|USDA|VA) 1 $385,000 $385,000 $14,978 6.00%
    Stillwater, OK (FHA|USDA|VA) 1 $375,000 $375,000 $3,613 3.25%
    RAPID CITY, SD (FHA|USDA|VA) 1 $375,000 $375,000 $2,825 2.99%
    Fergus Falls, MN (FHA|USDA|VA) 1 $375,000 $375,000 $1,085 2.63%
    Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $375,000 $375,000 $4,746 5.00%
    SAGINAW, MI (FHA|USDA|VA) 1 $375,000 $375,000 $4,175 4.63%
    CARSON CITY, NV (FHA|USDA|VA) 2 $370,000 $185,000 $3,752 5.00%
    Marquette, MI (FHA|USDA|VA) 1 $355,000 $355,000 $3,162 4.75%
    BAKERSFIELD, CA (FHA|USDA|VA) 1 $355,000 $355,000 $3,628 2.75%
    Corinth, MS (FHA|USDA|VA) 1 $355,000 $355,000 $7,746 2.99%
    OCALA, FL (FHA|USDA|VA) 2 $350,000 $175,000 $3,003 3.50%
    BLOOMINGTON, IL (FHA|USDA|VA) 1 $345,000 $345,000 $2,626 3.25%
    Outside of Metro Areas 1 $345,000 $345,000 $12,917 5.13%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $345,000 $345,000 $16,340 5.00%
    Shelbyville, TN (FHA|USDA|VA) 1 $345,000 $345,000 $3,797 3.38%
    STATE COLLEGE, PA (FHA|USDA|VA) 1 $335,000 $335,000 $12,046 6.88%
    Alamogordo, NM (FHA|USDA|VA) 1 $335,000 $335,000 $1,789 4.50%
    CHEYENNE, WY (FHA|USDA|VA) 1 $335,000 $335,000 $2,404 2.99%
    Kerrville, TX (FHA|USDA|VA) 1 $335,000 $335,000 $15,198 3.75%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $335,000 $335,000 $11,383 2.75%
    Hays, KS (FHA|USDA|VA) 3 $335,000 $111,667 $2,401 4.00%
    HARRISONBURG, VA (FHA|USDA|VA) 1 $325,000 $325,000 $2,341 4.99%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $325,000 $325,000 $5,238 5.25%
    Okeechobee, FL (FHA|USDA|VA) 1 $325,000 $325,000 $8,360 2.50%
    FAIRBANKS, AK (FHA|USDA|VA) 1 $315,000 $315,000 $2,053 6.00%
    Russellville, AR (FHA|USDA|VA) 1 $315,000 $315,000 $8,591 4.75%
    Cullowhee, NC (FHA|USDA|VA) 1 $315,000 $315,000 $5,460 4.63%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $315,000 $315,000 $17,189 3.63%
    Fernley, NV (FHA|USDA|VA) 1 $305,000 $305,000 $0 5.75%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $305,000 $305,000 $6,043 6.25%
    CORVALLIS, OR (FHA|USDA|VA) 1 $305,000 $305,000 $2,860 6.75%
    Crescent City, CA (FHA|USDA|VA) 1 $305,000 $305,000 $2,205 2.87%
    Steamboat Springs, CO (FHA|USDA|VA) 1 $305,000 $305,000 $0 4.70%
    Danville, VA (FHA|USDA|VA) 1 $305,000 $305,000 $3,907 3.25%
    Jasper, AL (FHA|USDA|VA) 1 $305,000 $305,000 $1,936 2.87%
    PEORIA, IL (FHA|USDA|VA) 1 $305,000 $305,000 $2,818 4.75%
    Cookeville, TN (FHA|USDA|VA) 1 $295,000 $295,000 $1,065 2.75%
    Athens, OH (FHA|USDA|VA) 1 $295,000 $295,000 $3,873 4.50%
    JOHNSON CITY, TN (FHA|USDA|VA) 1 $295,000 $295,000 $1,071 2.75%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $295,000 $295,000 $10,446 5.88%
    CASPER, WY (FHA|USDA|VA) 1 $285,000 $285,000 $2,041 4.75%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $285,000 $285,000 $3,189 4.75%
    Tupelo, MS (FHA|USDA|VA) 1 $285,000 $285,000 $5,895 3.75%
    GREENVILLE, NC (FHA|USDA|VA) 1 $285,000 $285,000 $5,841 2.63%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 2 $280,000 $140,000 $1,459 4.75%
    Minot, ND (FHA|USDA|VA) 1 $275,000 $275,000 $3,595 5.88%
    Clovis, NM (FHA|USDA|VA) 1 $275,000 $275,000 $11,353 4.63%
    FLINT, MI (FHA|USDA|VA) 1 $275,000 $275,000 $7,913 6.25%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $265,000 $265,000 $3,983 5.13%
    LUBBOCK, TX (FHA|USDA|VA) 1 $265,000 $265,000 $11,502 4.63%
    WINCHESTER, VA-WV (FHA|USDA|VA) 1 $265,000 $265,000 $3,861 3.25%
    Fort Polk South, LA (FHA|USDA|VA) 1 $265,000 $265,000 $10,769 4.13%
    Shawnee, OK (FHA|USDA|VA) 1 $265,000 $265,000 $0 5.99%
    LEWISTON, ID-WA (FHA|USDA|VA) 1 $265,000 $265,000 $2,255 2.38%
    Oskaloosa, IA (FHA|USDA|VA) 1 $255,000 $255,000 $2,383 4.00%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $245,000 $245,000 $2,629 4.75%
    Gillette, WY (FHA|USDA|VA) 1 $245,000 $245,000 $5,872 5.50%
    Williston, ND (FHA|USDA|VA) 1 $245,000 $245,000 $8,265 4.63%
    Ellensburg, WA (FHA|USDA|VA) 1 $235,000 $235,000 $918 3.25%
    FOND DU LAC, WI (FHA|USDA|VA) 1 $235,000 $235,000 $1,610 6.37%
    ROCHESTER, MN (FHA|USDA|VA) 1 $235,000 $235,000 $3,400 5.00%
    WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $225,000 $225,000 $1,653 4.88%
    MORGANTOWN, WV (FHA|USDA|VA) 1 $225,000 $225,000 $0 3.88%
    AMARILLO, TX (FHA|USDA|VA) 1 $215,000 $215,000 $2,100 5.63%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $215,000 $215,000 $4,048 6.00%
    Miami, OK (FHA|USDA|VA) 1 $205,000 $205,000 $2,752 5.88%
    POCATELLO, ID (FHA|USDA|VA) 1 $205,000 $205,000 $1,593 5.87%
    Brownwood, TX (FHA|USDA|VA) 1 $205,000 $205,000 $4,471 5.88%
    BRUNSWICK, GA (FHA|USDA|VA) 1 $205,000 $205,000 $3,038 4.63%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $195,000 $195,000 $2,684 5.75%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $195,000 $195,000 $4,027 5.37%
    Wilson, NC (FHA|USDA|VA) 1 $195,000 $195,000 $6,793 5.63%
    MORRISTOWN, TN (FHA|USDA|VA) 1 $195,000 $195,000 $0 3.63%
    McAlester, OK (FHA|USDA|VA) 1 $195,000 $195,000 $7,504 6.13%
    Searcy, AR (FHA|USDA|VA) 1 $195,000 $195,000 $2,355 3.38%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $185,000 $185,000 $4,214 4.88%
    Huntsville, TX (FHA|USDA|VA) 1 $185,000 $185,000 $0 6.12%
    Laurel, MS (FHA|USDA|VA) 1 $185,000 $185,000 $4,107 5.50%
    Martinsville, VA (FHA|USDA|VA) 1 $175,000 $175,000 $1,414 3.75%
    Spirit Lake, IA (FHA|USDA|VA) 1 $175,000 $175,000 $2,545 5.63%
    ROCKFORD, IL (FHA|USDA|VA) 1 $175,000 $175,000 $5,456 3.99%
    Hutchinson, KS (FHA|USDA|VA) 1 $175,000 $175,000 $2,439 4.38%
    HOT SPRINGS, AR (FHA|USDA|VA) 1 $175,000 $175,000 $3,340 5.25%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $175,000 $175,000 $5,226 6.25%
    SPRINGFIELD, OH (FHA|USDA|VA) 1 $165,000 $165,000 $5,304 5.12%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $165,000 $165,000 $1,444 6.50%
    Newport, OR (FHA|USDA|VA) 1 $155,000 $155,000 $4,565 6.25%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $155,000 $155,000 $2,944 6.37%
    FORT SMITH, AR-OK (FHA|USDA|VA) 1 $155,000 $155,000 $789 5.50%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.00%
    YUMA, AZ (FHA|USDA|VA) 1 $155,000 $155,000 $0 2.75%
    Carroll, IA (FHA|USDA|VA) 1 $155,000 $155,000 $1,801 5.63%
    ROCKY MOUNT, NC (FHA|USDA|VA) 1 $145,000 $145,000 $3,445 6.50%
    SPRINGFIELD, IL (FHA|USDA|VA) 1 $125,000 $125,000 $2,446 5.49%
    Jacksonville, IL (FHA|USDA|VA) 1 $105,000 $105,000 $2,906 4.63%
    Stevens Point, WI (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.88%
    Greenville, MS (FHA|USDA|VA) 1 $85,000 $85,000 $4,163 4.88%
    Bartlesville, OK (FHA|USDA|VA) 1 $85,000 $85,000 $3,781 7.00%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $85,000 $85,000 $3,461 3.99%
    Muskogee, OK (FHA|USDA|VA) 1 $75,000 $75,000 $3,077 5.63%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $65,000 $65,000 $2,837 5.13%
    Jesup, GA (FHA|USDA|VA) 1 $45,000 $45,000 $3,739 4.75%
    The Central Trust Bank's top markets include Kansas City, Columbia, St. Louis, Springfield, and Jefferson City among others.

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

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 6,318 $1,964,870,000 $310,996 $3,409 4.88%
    HELOC 2,114 $175,130,000 $82,843 n/a 3.67%
    VA 519 $223,095,000 $429,855 $9,414 4.22%
    FHA 373 $88,425,000 $237,064 $8,220 4.90%
    USDA 80 $14,460,000 $180,750 $5,015 4.81%

    For 2022, The Central Trust Bank's most frequently originated type of loan was Conventional, with 6,318 originations. Their 2nd most popular type was HELOC, with 2,114 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 5,545 $1,802,595,000 $325,085 $4,671 4.91%
    Cash Out Refi 1,275 $295,645,000 $231,878 $3,369 4.21%
    Other 1,038 $109,360,000 $105,356 $2,295 3.99%
    Home Improvement 930 $71,570,000 $76,957 $1,998 4.01%
    Refi 616 $186,810,000 $303,263 $2,655 4.17%

    For 2022, The Central Trust Bank's most frequently cited loan purpose was Home Purchase, with 5,545 originations. The 2nd most popular reason was Cash Out Refi, with 1,275 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,569 $1,767,975,000 $317,467 $4,474 4.81%
    20 Year 2,334 $196,920,000 $84,370 $1,802 3.84%
    5 Year 456 $163,390,000 $358,311 $1,072 5.14%
    15 Year 422 $105,720,000 $250,521 $3,125 3.80%
    1 Year 224 $64,320,000 $287,143 $0 5.34%
    Other 169 $85,385,000 $505,237 $2,138 5.15%
    3 Year 125 $44,185,000 $353,480 $0 5.29%
    10 Year 105 $38,085,000 $362,714 $1,935 5.26%

    For 2022, The Central Trust Bank's most frequently cited loan duration was 30 Year, with 5,569 originations. The 2nd most popular length was 20 Year, with 2,334 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 2,843 $796,165,000 $280,044
    $<1k 2,191 $704,975,000 $321,759
    $2k-3k 440 $123,830,000 $281,432
    $5k+ 257 $122,425,000 $476,362
    $3k-4k 246 $75,120,000 $305,366
    $4k-5k 138 $48,340,000 $350,290

    The Central Trust Bank's average total fees were $4,474, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,843 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 2,278 $668,700,000 $293,547
    5-6% 2,260 $606,350,000 $268,296
    3-4% 2,149 $639,465,000 $297,564
    2.5-3% 1,369 $243,075,000 $177,557
    6-7% 981 $221,535,000 $225,826
    7-8% 239 $40,345,000 $168,808
    <2.5% 105 $44,305,000 $421,952
    Over 8% 23 $2,205,000 $95,870

    During 2022, The Central Trust Bank's average interest rate for loans was 4.81%, while their most frequently originated rate bucket for loans was 4-5%, with 2,278 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,714 $776,070,000 $285,951 $4,416 4.77%
    $100k-200k 2,515 $369,525,000 $146,928 $3,224 4.69%
    $100,000 or less 2,436 $132,850,000 $54,536 $2,149 4.30%
    $400k-600k 1,158 $557,120,000 $481,105 $5,607 4.57%
    $600k-1MM 476 $333,400,000 $700,420 $6,363 4.33%
    $1MM+ 105 $297,015,000 $2,828,714 $6,866 4.23%

    2022 saw The Central Trust Bank place emphasis on $200k-400k loans with 2,714 originations, totaling $776,070,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,920 $518,240,000 $269,917 $4,819 4.50%
    $50k-75k 1,638 $267,520,000 $163,321 $3,798 4.62%
    $150k-250k 1,434 $497,070,000 $346,632 $4,902 4.47%
    $75k-100k 1,430 $295,550,000 $206,678 $4,290 4.55%
    $50k or less 1,215 $136,715,000 $112,523 $3,206 4.66%
    $250k+ 829 $383,195,000 $462,238 $4,454 4.47%

    The Central Trust Bank lent most frequently to those with incomes in the $100k-150k range, with 1,920 originations. The second most popular income band? $50k-75k, with 1,638 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 2,059 $457,295,000 $222,096 $3,756 4.31%
    30-36% 1,722 $402,990,000 $234,024 $3,909 4.46%
    <20% 938 $200,160,000 $213,390 $3,599 4.19%
    39% 368 $84,880,000 $230,652 $4,007 4.51%
    50-60% 342 $123,040,000 $359,766 $6,714 5.02%
    38% 336 $73,320,000 $218,214 $4,102 4.49%
    36% 324 $81,050,000 $250,154 $4,506 4.29%
    37% 311 $78,245,000 $251,592 $3,984 4.53%
    44% 285 $74,625,000 $261,842 $4,441 4.92%
    41% 261 $80,125,000 $306,992 $4,544 4.88%
    43% 256 $68,970,000 $269,414 $4,121 4.90%
    42% 231 $60,595,000 $262,316 $4,114 4.90%
    40% 226 $66,350,000 $293,584 $4,151 4.81%
    49% 201 $54,385,000 $270,572 $4,532 4.89%
    48% 178 $51,800,000 $291,011 $5,442 4.74%
    45% 174 $52,680,000 $302,759 $5,047 5.02%
    46% 174 $45,260,000 $260,115 $4,638 4.78%
    47% 153 $41,545,000 $271,536 $5,270 4.85%
    >60% 81 $22,705,000 $280,309 $4,777 5.08%

    The Central Trust Bank lent most frequently to those with DTI ratios of 20-30%, with 2,059 originations. The next most common DTI ratio? 30-36%, with 1,722 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 7,230 $1,677,490,000 $232,018 $4,083 4.53%
    Not applicable 691 $330,705,000 $478,589 $0 5.08%
    Not provided 719 $216,525,000 $301,147 $5,136 4.51%
    Asian 290 $113,710,000 $392,103 $4,798 4.26%
    Black 293 $71,415,000 $243,737 $4,746 4.82%
    American Indian 96 $22,610,000 $235,521 $5,071 4.81%
    Asian Indian 47 $21,215,000 $451,383 $5,153 4.51%
    Other Asian 15 $6,145,000 $409,667 $3,927 4.72%
    Korean 4 $1,710,000 $427,500 $3,761 5.50%
    Chinese 4 $1,610,000 $402,500 $4,943 3.47%
    Native Hawaiian or Islander 7 $1,485,000 $212,143 $6,030 5.67%
    Vietnamese 3 $535,000 $178,333 $2,820 4.21%
    Filipino 2 $340,000 $170,000 $4,000 4.43%
    Other Pacific Islander 2 $250,000 $125,000 $5,618 4.50%
    Japanese 1 $235,000 $235,000 $3,681 3.50%

    Approval Rates

    Total approvals of all applications
    92.86%

    The Central Trust Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    74.76%

    The Central Trust Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 9,404 $2,465,980,000 $262,227

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    9,404 $2,465,980,000 $262,227

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,200 $151,980,000 $126,650 $2,539 4.26%
    40-60% 1,009 $302,445,000 $299,747 $3,272 4.51%
    60-80% 2,523 $859,615,000 $340,711 $3,710 4.76%
    80-100% 3,166 $1,020,480,000 $322,325 $4,718 4.84%
    Over 100% 118 $54,180,000 $459,153 $17,311 4.49%
    Under 20% 1,388 $77,280,000 $55,677 $1,384 3.94%