The Central Trust Bank Mortgage Rates, Fees & Info

Jefferson City, MO

LEI: 549300UF3FPC7U6RFC59

Tax ID: 43-0975002

5 stars - Updated: 4/18/24 - out of 5 stars, based on 87 reviews

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

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Mortgage Data

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, Columbia, Jefferson City, and Springfield among others. We have data for 286 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 an average 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 relatively high 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% 4/18/24
30 Year Conventional Purchase 6.71% 4/18/24
30 Year Conventional Refi 6.64% 4/18/24
30 Year Cash-out Refi 6.81% 4/18/24
30 Year FHA Purchase 7.34% 4/18/24
30 Year FHA Refi 7.31% 4/18/24
30 Year VA Purchase 5.83% 4/18/24
30 Year VA Refi 5.85% 4/18/24
30 Year USDA Purchase 6.79% 4/18/24
15 Year Conventional Purchase 6.04% 4/18/24
15 Year Conventional Refi 6.24% 4/18/24
15 Year Cash-out Refi 6.24% 4/18/24
15 Year VA Purchase 7.00% 4/18/24
15 Year VA Refi 5.68% 4/18/24
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

7,550

Origination Dollar Volume (All Markets)

$1,850,240,000
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Relative Rate

The Central Trust Bank's average 30 year fixed mortgage rate was 6.71%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.23%.

Relative Fees (Closing Costs)

The Central Trust Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $4,938.

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 $9,089.

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) 866 $206,520,000 $238,476 $4,139 6.94%
Outside of Metro Areas 912 $189,960,000 $208,289 $4,000 7.23%
KANSAS CITY, MO-KS (FHA|USDA|VA) 772 $148,660,000 $192,565 $3,558 6.95%
COLUMBIA, MO (FHA|USDA|VA) 690 $140,910,000 $204,217 $3,244 7.00%
JEFFERSON CITY, MO (FHA|USDA|VA) 757 $114,515,000 $151,275 $2,824 7.17%
SPRINGFIELD, MO (FHA|USDA|VA) 536 $98,750,000 $184,235 $4,158 6.97%
COLORADO SPRINGS, CO (FHA|USDA|VA) 221 $85,955,000 $388,937 $7,264 6.65%
OKLAHOMA CITY, OK (FHA|USDA|VA) 264 $81,180,000 $307,500 $5,085 7.05%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 212 $50,370,000 $237,594 $4,847 6.58%
RALEIGH-CARY, NC (FHA|USDA|VA) 121 $46,185,000 $381,694 $5,216 6.53%
TULSA, OK (FHA|USDA|VA) 182 $38,740,000 $212,857 $6,773 6.83%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 109 $34,975,000 $320,872 $4,133 7.01%
Durango, CO (FHA|USDA|VA) 80 $31,970,000 $399,625 $4,856 7.11%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 63 $30,905,000 $490,556 $9,748 6.04%
Branson, MO (FHA|USDA|VA) 155 $26,995,000 $174,161 $3,959 7.14%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 43 $19,825,000 $461,047 $4,927 6.86%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 48 $19,680,000 $410,000 $5,769 6.52%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 42 $19,040,000 $453,333 $6,649 5.97%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 22 $15,890,000 $722,273 $10,372 6.06%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 38 $13,690,000 $360,263 $6,324 7.30%
Sedalia, MO (FHA|USDA|VA) 132 $13,530,000 $102,500 $2,557 7.39%
Warrensburg, MO (FHA|USDA|VA) 58 $12,600,000 $217,241 $3,702 7.36%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 33 $12,595,000 $381,667 $6,543 6.00%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 29 $11,925,000 $411,207 $5,440 6.18%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 22 $11,290,000 $513,182 $7,680 6.19%
Cañon City, CO (FHA|USDA|VA) 41 $11,095,000 $270,610 $7,842 6.71%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 24 $11,060,000 $460,833 $7,193 6.09%
WICHITA, KS (FHA|USDA|VA) 39 $9,845,000 $252,436 $4,990 6.76%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 16 $9,830,000 $614,375 $6,326 6.19%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 16 $9,230,000 $576,875 $8,370 6.77%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 18 $9,110,000 $506,111 $7,305 6.14%
Moberly, MO (FHA|USDA|VA) 70 $8,950,000 $127,857 $3,396 7.26%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 19 $8,335,000 $438,684 $7,481 6.33%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 14 $7,120,000 $508,571 $6,618 6.12%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 15 $7,015,000 $467,667 $6,127 6.13%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 21 $7,005,000 $333,571 $6,092 7.07%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 15 $6,925,000 $461,667 $8,643 5.87%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 15 $6,325,000 $421,667 $4,021 6.77%
JOPLIN, MO (FHA|USDA|VA) 35 $6,215,000 $177,571 $4,086 6.88%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 17 $6,185,000 $363,824 $5,223 6.48%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 6 $5,810,000 $968,333 $11,959 6.58%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 13 $5,775,000 $444,231 $7,255 6.40%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 13 $5,545,000 $426,538 $8,610 6.17%
LAWRENCE, KS (FHA|USDA|VA) 39 $5,385,000 $138,077 $3,244 6.83%
Mexico, MO (FHA|USDA|VA) 46 $5,170,000 $112,391 $2,473 7.33%
FAYETTEVILLE, NC (FHA|USDA|VA) 16 $4,730,000 $295,625 $6,919 6.39%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 12 $4,490,000 $374,167 $5,624 6.83%
Bozeman, MT (FHA|USDA|VA) 4 $4,310,000 $1,077,500 $21,982 6.43%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $4,125,000 $825,000 $9,070 6.13%
JACKSONVILLE, FL (FHA|USDA|VA) 10 $3,980,000 $398,000 $7,597 5.90%
Rolla, MO (FHA|USDA|VA) 23 $3,525,000 $153,261 $3,070 6.84%
RENO, NV (FHA|USDA|VA) 8 $3,380,000 $422,500 $12,091 6.76%
WILMINGTON, NC (FHA|USDA|VA) 8 $3,360,000 $420,000 $4,500 6.53%
PUEBLO, CO (FHA|USDA|VA) 13 $3,335,000 $256,538 $6,447 6.86%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 4 $3,070,000 $767,500 $11,006 6.09%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 7 $3,065,000 $437,857 $12,671 5.88%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 7 $3,035,000 $433,571 $5,294 5.77%
GREENVILLE, NC (FHA|USDA|VA) 6 $3,030,000 $505,000 $5,810 6.74%
Key West, FL (FHA|USDA|VA) 2 $2,970,000 $1,485,000 $10,692 6.75%
ASHEVILLE, NC (FHA|USDA|VA) 7 $2,805,000 $400,714 $5,461 6.45%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 6 $2,730,000 $455,000 $3,475 6.16%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 5 $2,595,000 $519,000 $6,011 7.22%
Ottawa, KS (FHA|USDA|VA) 11 $2,565,000 $233,182 $4,635 6.72%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 6 $2,560,000 $426,667 $5,475 6.06%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 7 $2,505,000 $357,857 $5,089 6.85%
RICHMOND, VA (FHA|USDA|VA) 6 $2,460,000 $410,000 $6,929 6.00%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 6 $2,400,000 $400,000 $5,012 7.33%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 5 $2,225,000 $445,000 $7,835 6.32%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 5 $2,175,000 $435,000 $3,777 6.60%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 4 $2,070,000 $517,500 $8,954 6.78%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 4 $2,000,000 $500,000 $9,688 5.94%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 4 $1,990,000 $497,500 $7,102 5.69%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 3 $1,985,000 $661,667 $4,925 5.83%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 4 $1,910,000 $477,500 $2,643 5.75%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 4 $1,840,000 $460,000 $6,074 6.44%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 6 $1,840,000 $306,667 $7,180 6.18%
BURLINGTON, NC (FHA|USDA|VA) 5 $1,835,000 $367,000 $5,910 6.92%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 4 $1,830,000 $457,500 $9,415 6.09%
Fort Leonard Wood, MO (FHA|USDA|VA) 8 $1,810,000 $226,250 $6,029 6.91%
BOISE CITY, ID (FHA|USDA|VA) 3 $1,765,000 $588,333 $12,291 6.38%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 2 $1,740,000 $870,000 $19,063 6.38%
SALT LAKE CITY, UT (FHA|USDA|VA) 3 $1,665,000 $555,000 $7,327 5.91%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 5 $1,645,000 $329,000 $6,174 5.87%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 6 $1,640,000 $273,333 $4,930 6.71%
Kill Devil Hills, NC (FHA|USDA|VA) 4 $1,590,000 $397,500 $6,832 6.34%
ROANOKE, VA (FHA|USDA|VA) 4 $1,570,000 $392,500 $3,678 6.97%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 3 $1,515,000 $505,000 $7,615 5.42%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 5 $1,495,000 $299,000 $5,698 6.37%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $1,455,000 $485,000 $8,611 6.96%
BOULDER, CO (FHA|USDA|VA) 3 $1,445,000 $481,667 $2,460 6.12%
PROVO-OREM, UT (FHA|USDA|VA) 3 $1,375,000 $458,333 $6,377 6.08%
KNOXVILLE, TN (FHA|USDA|VA) 3 $1,365,000 $455,000 $7,203 6.75%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 3 $1,355,000 $451,667 $7,739 6.62%
WINSTON-SALEM, NC (FHA|USDA|VA) 3 $1,335,000 $445,000 $5,694 5.83%
COLUMBUS, OH (FHA|USDA|VA) 3 $1,325,000 $441,667 $3,760 6.37%
PANAMA CITY, FL (FHA|USDA|VA) 4 $1,310,000 $327,500 $3,853 7.12%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 3 $1,305,000 $435,000 $4,333 6.37%
LAWTON, OK (FHA|USDA|VA) 6 $1,300,000 $216,667 $6,099 6.21%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 4 $1,280,000 $320,000 $5,908 6.59%
Harrison, AR (FHA|USDA|VA) 9 $1,275,000 $141,667 $3,279 6.96%
WARNER ROBINS, GA (FHA|USDA|VA) 4 $1,270,000 $317,500 $7,435 6.00%
FORT SMITH, AR-OK (FHA|USDA|VA) 5 $1,265,000 $253,000 $4,219 7.02%
Poplar Bluff, MO (FHA|USDA|VA) 9 $1,255,000 $139,444 $2,895 7.51%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $1,240,000 $620,000 $13,437 5.50%
Bartlesville, OK (FHA|USDA|VA) 5 $1,215,000 $243,000 $6,717 6.65%
HUNTSVILLE, AL (FHA|USDA|VA) 4 $1,200,000 $300,000 $5,538 6.25%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $1,200,000 $600,000 $3,629 6.63%
GREELEY, CO (FHA|USDA|VA) 3 $1,195,000 $398,333 $7,786 6.67%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $1,170,000 $585,000 $8,529 6.19%
AMES, IA (FHA|USDA|VA) 5 $1,165,000 $233,000 $5,733 6.68%
Ponca City, OK (FHA|USDA|VA) 2 $1,150,000 $575,000 $3,965 7.19%
COLUMBIA, SC (FHA|USDA|VA) 4 $1,130,000 $282,500 $7,402 6.09%
Montrose, CO (FHA|USDA|VA) 3 $1,125,000 $375,000 $8,027 7.33%
Pella, IA (FHA|USDA|VA) 7 $1,115,000 $159,286 $3,695 6.36%
THE VILLAGES, FL (FHA|USDA|VA) 4 $1,100,000 $275,000 $3,821 6.34%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $1,095,000 $1,095,000 $0 6.00%
TUCSON, AZ (FHA|USDA|VA) 3 $1,085,000 $361,667 $4,260 6.58%
Morehead City, NC (FHA|USDA|VA) 4 $1,060,000 $265,000 $6,456 6.50%
MISSOULA, MT (FHA|USDA|VA) 2 $1,040,000 $520,000 $3,191 6.94%
ALBUQUERQUE, NM (FHA|USDA|VA) 3 $1,035,000 $345,000 $10,468 5.50%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 3 $1,035,000 $345,000 $4,432 6.25%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $1,020,000 $510,000 $11,709 5.19%
LYNCHBURG, VA (FHA|USDA|VA) 2 $1,010,000 $505,000 $12,315 5.31%
FORT COLLINS, CO (FHA|USDA|VA) 4 $1,000,000 $250,000 $2,192 6.71%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $1,000,000 $500,000 $3,232 6.13%
WACO, TX (FHA|USDA|VA) 2 $990,000 $495,000 $4,613 6.43%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 3 $965,000 $321,667 $3,138 5.96%
Boone, NC (FHA|USDA|VA) 4 $940,000 $235,000 $4,823 7.18%
SIOUX FALLS, SD (FHA|USDA|VA) 2 $940,000 $470,000 $3,726 5.88%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $915,000 $305,000 $9,284 6.21%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 4 $900,000 $225,000 $5,521 6.63%
CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $900,000 $450,000 $14,513 4.94%
Lebanon, MO (FHA|USDA|VA) 6 $870,000 $145,000 $3,062 6.79%
Glenwood Springs, CO (FHA|USDA|VA) 1 $855,000 $855,000 $2,727 7.00%
DAYTON-KETTERING, OH (FHA|USDA|VA) 3 $845,000 $281,667 $7,055 6.63%
TOPEKA, KS (FHA|USDA|VA) 5 $835,000 $167,000 $3,601 6.79%
JACKSONVILLE, NC (FHA|USDA|VA) 3 $835,000 $278,333 $6,893 6.25%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 12 $820,000 $68,333 $3,622 7.21%
St. Marys, GA (FHA|USDA|VA) 2 $820,000 $410,000 $15,740 5.88%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 3 $755,000 $251,667 $3,388 6.75%
Marshall, MO (FHA|USDA|VA) 7 $745,000 $106,429 $2,122 7.16%
Mountain Home, AR (FHA|USDA|VA) 2 $740,000 $370,000 $3,762 7.00%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 3 $735,000 $245,000 $4,722 6.17%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 3 $725,000 $241,667 $4,792 6.13%
Shawnee, OK (FHA|USDA|VA) 3 $725,000 $241,667 $4,783 6.91%
PITTSBURGH, PA (FHA|USDA|VA) 1 $725,000 $725,000 $6,317 6.50%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $725,000 $725,000 $6,254 5.13%
READING, PA (FHA|USDA|VA) 1 $695,000 $695,000 $5,648 6.50%
Statesboro, GA (FHA|USDA|VA) 2 $690,000 $345,000 $8,693 5.88%
SAVANNAH, GA (FHA|USDA|VA) 2 $690,000 $345,000 $11,387 6.37%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $685,000 $685,000 $4,673 6.63%
PEORIA, IL (FHA|USDA|VA) 3 $685,000 $228,333 $3,834 6.42%
Hannibal, MO (FHA|USDA|VA) 4 $680,000 $170,000 $3,614 7.12%
Muskogee, OK (FHA|USDA|VA) 3 $665,000 $221,667 $4,599 5.79%
Seneca, SC (FHA|USDA|VA) 1 $665,000 $665,000 $3,379 6.25%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $665,000 $665,000 $4,182 5.63%
Centralia, WA (FHA|USDA|VA) 1 $655,000 $655,000 $3,036 5.88%
Breckenridge, CO (FHA|USDA|VA) 1 $655,000 $655,000 $2,668 5.00%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 2 $630,000 $315,000 $9,276 5.94%
LUBBOCK, TX (FHA|USDA|VA) 1 $625,000 $625,000 $5,715 4.99%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $610,000 $305,000 $8,159 6.63%
ODESSA, TX (FHA|USDA|VA) 1 $605,000 $605,000 $14,855 5.13%
BECKLEY, WV (FHA|USDA|VA) 2 $600,000 $300,000 $2,455 6.44%
Willmar, MN (FHA|USDA|VA) 1 $595,000 $595,000 $3,062 7.50%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 2 $590,000 $295,000 $6,896 6.00%
Kerrville, TX (FHA|USDA|VA) 1 $585,000 $585,000 $6,514 5.99%
Concord, NH (FHA|USDA|VA) 1 $585,000 $585,000 $1,780 6.62%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $585,000 $585,000 $4,534 6.99%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $585,000 $585,000 $4,123 5.63%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 3 $585,000 $195,000 $6,623 6.92%
Los Alamos, NM (FHA|USDA|VA) 1 $575,000 $575,000 $23,944 5.13%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $555,000 $185,000 $5,262 7.29%
Oxford, MS (FHA|USDA|VA) 3 $555,000 $185,000 $2,766 6.95%
Jackson, WY-ID (FHA|USDA|VA) 1 $555,000 $555,000 $14,307 7.00%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $545,000 $545,000 $6,963 5.50%
ANN ARBOR, MI (FHA|USDA|VA) 1 $535,000 $535,000 $7,659 4.88%
CARSON CITY, NV (FHA|USDA|VA) 1 $535,000 $535,000 $4,832 6.49%
SALINAS, CA (FHA|USDA|VA) 1 $525,000 $525,000 $2,628 5.99%
BANGOR, ME (FHA|USDA|VA) 2 $520,000 $260,000 $5,588 6.94%
SANTA FE, NM (FHA|USDA|VA) 2 $520,000 $260,000 $4,473 6.56%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $505,000 $505,000 $5,544 7.13%
Cookeville, TN (FHA|USDA|VA) 1 $505,000 $505,000 $1,811 6.38%
MOBILE, AL (FHA|USDA|VA) 1 $505,000 $505,000 $10,663 5.25%
RAPID CITY, SD (FHA|USDA|VA) 2 $500,000 $250,000 $5,195 6.06%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $485,000 $485,000 $2,814 6.38%
Oak Harbor, WA (FHA|USDA|VA) 1 $485,000 $485,000 $7,802 6.38%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $485,000 $485,000 $4,691 5.75%
Fernley, NV (FHA|USDA|VA) 1 $475,000 $475,000 $4,215 6.75%
LOUISVILLE, KY (FHA|USDA|VA) 2 $470,000 $235,000 $4,009 5.69%
Miami, OK (FHA|USDA|VA) 1 $465,000 $465,000 $3,861 7.50%
Brevard, NC (FHA|USDA|VA) 1 $465,000 $465,000 $4,052 5.00%
Farmington, MO (FHA|USDA|VA) 4 $460,000 $115,000 $2,624 6.81%
LANCASTER, PA (FHA|USDA|VA) 1 $455,000 $455,000 $5,761 7.50%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $455,000 $455,000 $9,051 5.25%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $455,000 $455,000 $3,713 5.75%
Bennington, VT (FHA|USDA|VA) 1 $445,000 $445,000 $7,976 7.63%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $440,000 $220,000 $4,142 5.94%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $425,000 $425,000 $4,610 6.13%
CHEYENNE, WY (FHA|USDA|VA) 1 $425,000 $425,000 $4,521 6.00%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $425,000 $425,000 $4,248 6.63%
Pottsville, PA (FHA|USDA|VA) 1 $415,000 $415,000 $7,581 6.13%
Mountain Home, ID (FHA|USDA|VA) 1 $415,000 $415,000 $10,927 5.75%
Cullowhee, NC (FHA|USDA|VA) 1 $415,000 $415,000 $0 8.13%
BEND, OR (FHA|USDA|VA) 1 $405,000 $405,000 $15,993 5.25%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $405,000 $405,000 $3,620 6.99%
Scottsboro, AL (FHA|USDA|VA) 1 $405,000 $405,000 $2,285 5.63%
BATON ROUGE, LA (FHA|USDA|VA) 1 $385,000 $385,000 $5,039 5.50%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $385,000 $385,000 $6,552 7.49%
MADISON, WI (FHA|USDA|VA) 1 $385,000 $385,000 $14,037 5.75%
Taos, NM (FHA|USDA|VA) 1 $365,000 $365,000 $0 7.63%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $365,000 $365,000 $1,531 5.99%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $355,000 $355,000 $14,879 5.25%
Rockport, TX (FHA|USDA|VA) 1 $355,000 $355,000 $2,380 5.00%
Atchison, KS (FHA|USDA|VA) 3 $345,000 $115,000 $2,151 7.32%
DECATUR, AL (FHA|USDA|VA) 1 $345,000 $345,000 $5,008 6.13%
DALTON, GA (FHA|USDA|VA) 1 $345,000 $345,000 $11,826 6.00%
Columbus, MS (FHA|USDA|VA) 1 $345,000 $345,000 $12,011 6.75%
ROCKFORD, IL (FHA|USDA|VA) 1 $345,000 $345,000 $2,537 6.13%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $345,000 $345,000 $2,733 5.63%
IOWA CITY, IA (FHA|USDA|VA) 1 $335,000 $335,000 $2,672 6.00%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $335,000 $335,000 $1,563 6.62%
FARMINGTON, NM (FHA|USDA|VA) 1 $335,000 $335,000 $0 7.75%
MANHATTAN, KS (FHA|USDA|VA) 2 $320,000 $160,000 $2,834 7.02%
Helena, MT (FHA|USDA|VA) 1 $315,000 $315,000 $2,548 6.13%
NEW BERN, NC (FHA|USDA|VA) 1 $315,000 $315,000 $12,090 4.75%
BAKERSFIELD, CA (FHA|USDA|VA) 1 $315,000 $315,000 $2,116 6.00%
Coos Bay, OR (FHA|USDA|VA) 1 $315,000 $315,000 $2,098 6.13%
LAS CRUCES, NM (FHA|USDA|VA) 1 $305,000 $305,000 $2,026 6.13%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $305,000 $305,000 $4,741 6.50%
Oskaloosa, IA (FHA|USDA|VA) 1 $295,000 $295,000 $2,692 7.38%
Rutland, VT (FHA|USDA|VA) 1 $295,000 $295,000 $11,701 5.63%
Bonham, TX (FHA|USDA|VA) 1 $295,000 $295,000 $0 7.38%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $295,000 $295,000 $9,586 8.13%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 1 $265,000 $265,000 $3,682 7.13%
Kirksville, MO (FHA|USDA|VA) 1 $255,000 $255,000 $3,198 6.63%
Pittsburg, KS (FHA|USDA|VA) 1 $255,000 $255,000 $8,022 7.13%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $255,000 $255,000 $13,080 6.75%
MONTGOMERY, AL (FHA|USDA|VA) 1 $255,000 $255,000 $3,244 7.75%
VALDOSTA, GA (FHA|USDA|VA) 1 $255,000 $255,000 $2,942 6.25%
Altus, OK (FHA|USDA|VA) 1 $245,000 $245,000 $10,692 5.25%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $245,000 $245,000 $3,459 5.63%
OCALA, FL (FHA|USDA|VA) 1 $235,000 $235,000 $4,404 6.88%
GREAT FALLS, MT (FHA|USDA|VA) 1 $225,000 $225,000 $3,787 6.63%
Alexander City, AL (FHA|USDA|VA) 1 $225,000 $225,000 $3,231 6.38%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $225,000 $225,000 $2,971 6.88%
Sanford, NC (FHA|USDA|VA) 1 $225,000 $225,000 $4,115 6.63%
STAUNTON, VA (FHA|USDA|VA) 1 $225,000 $225,000 $2,114 5.25%
Payson, AZ (FHA|USDA|VA) 1 $225,000 $225,000 $3,544 6.50%
TWIN FALLS, ID (FHA|USDA|VA) 1 $215,000 $215,000 $2,644 7.50%
Palatka, FL (FHA|USDA|VA) 1 $215,000 $215,000 $0 6.50%
Lewisburg, PA (FHA|USDA|VA) 1 $205,000 $205,000 $4,301 5.25%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $205,000 $205,000 $3,131 6.38%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $205,000 $205,000 $2,957 7.25%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $195,000 $195,000 $2,740 6.00%
Ozark, AL (FHA|USDA|VA) 1 $195,000 $195,000 $8,156 6.50%
OWENSBORO, KY (FHA|USDA|VA) 1 $185,000 $185,000 $3,078 6.88%
Somerset, KY (FHA|USDA|VA) 1 $185,000 $185,000 $8,422 6.25%
FLORENCE, SC (FHA|USDA|VA) 1 $185,000 $185,000 $1,096 6.88%
AKRON, OH (FHA|USDA|VA) 1 $185,000 $185,000 $4,729 7.13%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $175,000 $175,000 $3,327 6.88%
Española, NM (FHA|USDA|VA) 1 $175,000 $175,000 $6,068 7.49%
Tahlequah, OK (FHA|USDA|VA) 1 $175,000 $175,000 $4,212 6.25%
Picayune, MS (FHA|USDA|VA) 1 $175,000 $175,000 $3,196 6.25%
Kennett, MO (FHA|USDA|VA) 2 $160,000 $80,000 $2,735 7.13%
Lumberton, NC (FHA|USDA|VA) 1 $155,000 $155,000 $5,948 8.75%
DOTHAN, AL (FHA|USDA|VA) 1 $155,000 $155,000 $2,064 5.50%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $155,000 $155,000 $1,579 6.38%
LaGrange, GA-AL (FHA|USDA|VA) 1 $145,000 $145,000 $0 7.13%
Roswell, NM (FHA|USDA|VA) 1 $145,000 $145,000 $1,428 5.75%
Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 2 $140,000 $70,000 $0 7.62%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $135,000 $135,000 $3,887 7.00%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $135,000 $135,000 $2,848 7.00%
Evanston, WY (FHA|USDA|VA) 1 $135,000 $135,000 $5,539 7.62%
Stillwater, OK (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.99%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $125,000 $125,000 $3,757 7.63%
Paragould, AR (FHA|USDA|VA) 2 $120,000 $60,000 $1,424 6.38%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $115,000 $115,000 $0 7.25%
Wilson, NC (FHA|USDA|VA) 1 $115,000 $115,000 $0 7.63%
ABILENE, TX (FHA|USDA|VA) 1 $95,000 $95,000 $0 7.13%
Fremont, NE (FHA|USDA|VA) 1 $75,000 $75,000 $2,956 6.63%
Crossville, TN (FHA|USDA|VA) 1 $65,000 $65,000 $3,751 6.25%
Pullman, WA (FHA|USDA|VA) 1 $65,000 $65,000 $2,249 6.88%
Marquette, MI (FHA|USDA|VA) 1 $65,000 $65,000 $0 8.25%
Mason City, IA (FHA|USDA|VA) 1 $45,000 $45,000 $4,221 7.50%
Norfolk, NE (FHA|USDA|VA) 1 $45,000 $45,000 $2,361 8.75%
Hays, KS (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.99%
The Central Trust Bank's top markets include St. Louis, Kansas City, Columbia, Jefferson City, and Springfield 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 4,971 $1,416,335,000 $284,920 $3,746 6.98%
    HELOC 1,635 $140,875,000 $86,162 n/a 7.07%
    FHA 471 $117,765,000 $250,032 $8,649 6.57%
    VA 412 $164,540,000 $399,369 $9,512 6.10%
    USDA 61 $10,725,000 $175,820 $5,340 6.54%

    For 2023, The Central Trust Bank's most frequently originated type of loan was Conventional, with 4,971 originations. Their 2nd most popular type was HELOC, with 1,635 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,960 $1,520,650,000 $306,583 $5,036 6.78%
    Other 955 $84,475,000 $88,455 $2,217 7.26%
    Home Improvement 752 $63,670,000 $84,668 $2,350 7.21%
    Cash Out Refi 639 $114,905,000 $179,820 $3,431 7.14%
    Refi 244 $66,540,000 $272,705 $3,547 7.09%

    For 2023, The Central Trust Bank's most frequently cited loan purpose was Home Purchase, with 4,960 originations. The 2nd most popular reason was Other, with 955 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,759 $1,455,465,000 $305,834 $4,938 6.71%
    20 Year 1,868 $149,970,000 $80,284 $1,714 7.18%
    5 Year 296 $87,950,000 $297,128 $0 7.38%
    1 Year 242 $65,920,000 $272,397 $3,583 7.99%
    15 Year 134 $48,230,000 $359,925 $4,715 5.97%
    Other 91 $18,705,000 $205,549 $1,841 7.81%
    10 Year 91 $7,415,000 $81,484 $1,440 8.20%
    3 Year 69 $16,585,000 $240,362 $0 7.89%

    For 2023, The Central Trust Bank's most frequently cited loan duration was 30 Year, with 4,759 originations. The 2nd most popular length was 20 Year, with 1,868 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 2,942 $831,320,000 $282,570
    $<1k 1,069 $301,695,000 $282,222
    $2k-3k 484 $132,200,000 $273,140
    $5k+ 286 $133,470,000 $466,678
    $3k-4k 242 $72,880,000 $301,157
    $4k-5k 146 $50,780,000 $347,808

    The Central Trust Bank's average total fees were $4,938, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,942 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 3,503 $815,265,000 $232,733
    7-8% 1,742 $479,920,000 $275,499
    5-6% 1,348 $368,810,000 $273,598
    Over 8% 874 $146,250,000 $167,334
    4-5% 76 $38,160,000 $502,105
    3-4% 7 $1,835,000 $262,143

    During 2023, The Central Trust Bank's average interest rate for loans was 6.71%, while their most frequently originated rate bucket for loans was 6-7%, with 3,503 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,384 $679,940,000 $285,210 $4,993 6.86%
    $100,000 or less 1,971 $106,885,000 $54,229 $2,204 7.20%
    $100k-200k 1,937 $287,535,000 $148,443 $3,693 6.94%
    $400k-600k 827 $398,455,000 $481,808 $6,294 6.64%
    $600k-1MM 364 $261,010,000 $717,060 $6,787 6.47%
    $1MM+ 67 $116,415,000 $1,737,537 $10,235 6.74%

    2023 saw The Central Trust Bank place emphasis on $200k-400k loans with 2,384 originations, totaling $679,940,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,586 $396,620,000 $250,076 $4,966 6.89%
    $50k-75k 1,339 $207,825,000 $155,209 $4,063 6.87%
    $150k-250k 1,305 $420,005,000 $321,843 $5,367 6.84%
    $75k-100k 1,199 $231,325,000 $192,932 $4,908 6.90%
    $50k or less 813 $86,345,000 $106,205 $3,399 6.91%
    $250k+ 700 $347,270,000 $496,100 $5,497 6.88%

    The Central Trust Bank lent most frequently to those with incomes in the $100k-150k range, with 1,586 originations. The second most popular income band? $50k-75k, with 1,339 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,406 $295,530,000 $210,192 $4,197 6.77%
    30-36% 1,319 $300,385,000 $227,737 $4,362 6.84%
    <20% 638 $125,720,000 $197,053 $3,813 6.82%
    50-60% 355 $113,165,000 $318,775 $7,199 6.73%
    39% 337 $72,145,000 $214,080 $4,225 6.94%
    38% 308 $74,310,000 $241,266 $4,382 6.93%
    37% 287 $63,445,000 $221,063 $4,555 6.93%
    49% 272 $74,070,000 $272,316 $5,128 7.15%
    36% 264 $62,890,000 $238,220 $4,446 6.84%
    44% 237 $61,195,000 $258,207 $4,556 7.09%
    41% 228 $64,490,000 $282,851 $4,829 6.85%
    40% 227 $61,215,000 $269,670 $4,468 6.81%
    42% 222 $64,490,000 $290,495 $4,790 6.90%
    43% 210 $53,110,000 $252,905 $4,171 6.93%
    45% 180 $55,670,000 $309,278 $5,407 6.88%
    48% 179 $48,345,000 $270,084 $5,780 7.01%
    47% 160 $49,790,000 $311,188 $5,237 7.11%
    46% 143 $42,545,000 $297,517 $5,422 6.85%
    >60% 87 $26,045,000 $299,368 $4,311 7.32%

    The Central Trust Bank lent most frequently to those with DTI ratios of 20-30%, with 1,406 originations. The next most common DTI ratio? 30-36%, with 1,319 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5,863 $1,339,005,000 $228,382 $4,521 6.91%
    Not provided 646 $194,380,000 $300,898 $5,433 6.76%
    Not applicable 442 $133,370,000 $301,742 $0 7.65%
    Asian 177 $69,225,000 $391,102 $5,202 6.62%
    Black 264 $64,930,000 $245,947 $5,392 6.74%
    Asian Indian 47 $20,325,000 $432,447 $6,486 6.43%
    American Indian 86 $18,790,000 $218,488 $5,028 6.77%
    Other Asian 10 $4,820,000 $482,000 $5,139 6.86%
    Vietnamese 3 $1,625,000 $541,667 $3,645 7.29%
    Korean 4 $1,170,000 $292,500 $3,319 6.97%
    Chinese 3 $1,125,000 $375,000 $16,302 6.79%
    Native Hawaiian or Islander 3 $975,000 $325,000 $8,340 6.33%
    Filipino 1 $355,000 $355,000 $2,856 5.25%
    Japanese 1 $145,000 $145,000 $1,535 7.13%

    Approval Rates

    Total approvals of all applications
    91.18%

    The Central Trust Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    64.70%

    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 7,550 $1,850,240,000 $245,065

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    7,550 $1,850,240,000 $245,065

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 987 $120,615,000 $122,204 $2,652 7.13%
    40-60% 716 $184,190,000 $257,249 $3,857 6.97%
    60-80% 1,690 $549,840,000 $325,349 $4,402 6.97%
    80-100% 2,830 $880,720,000 $311,208 $5,166 6.71%
    Over 100% 110 $43,960,000 $399,636 $15,005 6.23%
    Under 20% 1,215 $70,745,000 $58,226 $1,721 7.21%