The Central Trust Bank Mortgage Rates, Fees & Info

Jefferson City, MO

LEI: 549300UF3FPC7U6RFC59

Tax ID: 43-0975002

5 stars - out of 5 stars, based on 105 reviews

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

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    The Central Trust Bank is a mid-sized bank specializing in Home Purchase and Refi loans. The Central Trust Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: St. Louis, Columbia, Jefferson City, Kansas City, and Springfield among others. We have data for 309 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 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) 6.58% 12/4/22
    30 Year Conventional Purchase 6.85% 12/4/22
    30 Year Conventional Refi 6.72% 12/4/22
    30 Year Cash-out Refi 6.91% 12/4/22
    30 Year FHA Purchase 7.74% 12/4/22
    30 Year FHA Refi 7.39% 12/4/22
    30 Year VA Purchase 6.40% 12/4/22
    30 Year VA Refi 6.14% 12/4/22
    30 Year USDA Purchase 7.13% 12/4/22
    30 Year USDA Refi 7.06% 12/4/22
    15 Year Conventional Purchase 6.07% 12/4/22
    15 Year Conventional Refi 6.02% 12/4/22
    15 Year Cash-out Refi 6.02% 12/4/22
    15 Year FHA Refi 5.76% 12/4/22
    15 Year VA Refi 5.63% 12/4/22
    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.


    Originations

    11,050

    Origination Dollar Volume (All Markets)

    $3,094,900,000

    Employee count

    2,647 Show all (54) awards

    Relative Rate

    The Central Trust Bank's average 30 year fixed mortgage rate was 3.05%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.1%.

    Relative Fees (Closing Costs)

    The Central Trust Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $3,435.

    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
    ST. LOUIS, MO-IL (FHA|USDA|VA) 2,005 $522,745,000 $260,721 $2,731 2.92%
    COLUMBIA, MO (FHA|USDA|VA) 1,210 $310,470,000 $256,587 $2,413 3.17%
    JEFFERSON CITY, MO (FHA|USDA|VA) 1,446 $260,950,000 $180,463 $2,475 3.24%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 996 $251,650,000 $252,661 $2,649 3.12%
    SPRINGFIELD, MO (FHA|USDA|VA) 983 $243,535,000 $247,747 $3,017 3.14%
    Outside of Metro Areas 612 $154,870,000 $253,056 $3,481 3.15%
    RALEIGH-CARY, NC (FHA|USDA|VA) 393 $135,235,000 $344,109 $3,984 2.97%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 357 $132,545,000 $371,275 $5,250 3.02%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 308 $118,690,000 $385,357 $5,038 2.81%
    Durango, CO (FHA|USDA|VA) 167 $67,265,000 $402,784 $4,044 3.14%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 84 $48,630,000 $578,929 $3,448 3.87%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 193 $44,485,000 $230,492 $3,177 3.04%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 97 $37,225,000 $383,763 $3,334 2.58%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 76 $35,500,000 $467,105 $3,654 3.03%
    TULSA, OK (FHA|USDA|VA) 141 $29,195,000 $207,057 $3,698 3.55%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 92 $29,020,000 $315,435 $4,381 3.01%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 53 $27,285,000 $514,811 $4,109 2.62%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 55 $24,525,000 $445,909 $4,087 2.85%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 46 $24,300,000 $528,261 $2,330 2.70%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 43 $20,815,000 $484,070 $3,732 2.69%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 41 $20,515,000 $500,366 $2,065 2.57%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 54 $19,470,000 $360,556 $1,994 2.62%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 51 $18,055,000 $354,020 $2,390 2.58%
    Warrensburg, MO (FHA|USDA|VA) 88 $17,950,000 $203,977 $2,965 3.29%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 41 $16,425,000 $400,610 $3,243 2.68%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 40 $15,880,000 $397,000 $3,520 2.51%
    CaƱon City, CO (FHA|USDA|VA) 63 $15,835,000 $251,349 $5,691 3.17%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 35 $14,855,000 $424,429 $3,517 2.67%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 22 $12,720,000 $578,182 $2,589 2.66%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 36 $12,710,000 $353,056 $3,934 2.69%
    BOULDER, CO (FHA|USDA|VA) 10 $11,480,000 $1,148,000 $2,856 2.82%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 28 $10,990,000 $392,500 $3,263 2.58%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 32 $10,760,000 $336,250 $3,008 2.59%
    LAWRENCE, KS (FHA|USDA|VA) 47 $10,375,000 $220,745 $2,672 3.02%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 19 $9,905,000 $521,316 $6,394 2.59%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 26 $9,830,000 $378,077 $3,193 2.82%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 24 $9,410,000 $392,083 $2,809 2.75%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 20 $8,930,000 $446,500 $2,956 2.69%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 26 $8,030,000 $308,846 $4,160 2.70%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 11 $6,815,000 $619,545 $6,518 3.06%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 20 $6,570,000 $328,500 $3,324 2.97%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 17 $6,345,000 $373,235 $1,469 2.80%
    WICHITA, KS (FHA|USDA|VA) 25 $6,075,000 $243,000 $5,555 2.99%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 18 $5,930,000 $329,444 $1,493 2.56%
    URBAN HONOLULU, HI (FHA|USDA|VA) 9 $5,875,000 $652,778 $3,944 2.39%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 10 $5,300,000 $530,000 $1,714 2.80%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 14 $5,030,000 $359,286 $4,328 3.28%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 12 $4,840,000 $403,333 $1,429 2.49%
    RICHMOND, VA (FHA|USDA|VA) 16 $4,820,000 $301,250 $2,415 2.87%
    BOISE CITY, ID (FHA|USDA|VA) 10 $4,710,000 $471,000 $3,427 2.54%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 10 $4,570,000 $457,000 $2,827 2.43%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 13 $4,515,000 $347,308 $5,519 2.87%
    JACKSONVILLE, FL (FHA|USDA|VA) 11 $4,485,000 $407,727 $4,315 2.84%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 15 $4,455,000 $297,000 $2,569 2.81%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 14 $4,450,000 $317,857 $2,389 2.90%
    Branson, MO (FHA|USDA|VA) 26 $4,370,000 $168,077 $3,177 3.23%
    PROVO-OREM, UT (FHA|USDA|VA) 9 $4,355,000 $483,889 $4,413 2.83%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 7 $4,295,000 $613,571 $4,823 3.27%
    PUEBLO, CO (FHA|USDA|VA) 19 $4,195,000 $220,789 $5,332 3.30%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 12 $4,150,000 $345,833 $2,185 2.76%
    SALT LAKE CITY, UT (FHA|USDA|VA) 9 $4,065,000 $451,667 $3,892 2.60%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 10 $4,050,000 $405,000 $2,938 2.79%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 9 $4,015,000 $446,111 $4,346 2.78%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 7 $3,915,000 $559,286 $2,924 2.44%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 11 $3,835,000 $348,636 $2,120 2.38%
    JOPLIN, MO (FHA|USDA|VA) 8 $3,550,000 $443,750 $3,265 3.11%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 10 $3,510,000 $351,000 $3,016 2.59%
    Mexico, MO (FHA|USDA|VA) 25 $3,315,000 $132,600 $2,467 3.33%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 8 $3,050,000 $381,250 $4,175 2.64%
    Moberly, MO (FHA|USDA|VA) 16 $2,920,000 $182,500 $3,378 3.44%
    GREELEY, CO (FHA|USDA|VA) 4 $2,870,000 $717,500 $4,313 3.06%
    WILMINGTON, NC (FHA|USDA|VA) 9 $2,825,000 $313,889 $5,503 3.12%
    STOCKTON, CA (FHA|USDA|VA) 6 $2,810,000 $468,333 $4,395 2.79%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 8 $2,690,000 $336,250 $4,372 2.91%
    FAYETTEVILLE, NC (FHA|USDA|VA) 12 $2,640,000 $220,000 $4,419 3.11%
    Edwards, CO (FHA|USDA|VA) 3 $2,605,000 $868,333 $2,949 2.96%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 6 $2,520,000 $420,000 $2,176 2.92%
    ALBUQUERQUE, NM (FHA|USDA|VA) 8 $2,510,000 $313,750 $4,070 2.64%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 6 $2,420,000 $403,333 $5,504 2.33%
    RENO, NV (FHA|USDA|VA) 6 $2,420,000 $403,333 $2,311 2.92%
    HUNTSVILLE, AL (FHA|USDA|VA) 6 $2,310,000 $385,000 $6,744 2.75%
    KNOXVILLE, TN (FHA|USDA|VA) 7 $2,255,000 $322,143 $3,016 2.64%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 10 $2,250,000 $225,000 $5,344 3.16%
    BURLINGTON, NC (FHA|USDA|VA) 9 $2,215,000 $246,111 $4,166 3.07%
    Breckenridge, CO (FHA|USDA|VA) 4 $2,070,000 $517,500 $2,295 2.72%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 7 $2,065,000 $295,000 $5,141 2.55%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 5 $2,065,000 $413,000 $2,471 2.48%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 6 $2,000,000 $333,333 $1,892 2.46%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 4 $1,930,000 $482,500 $3,577 3.03%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 6 $1,930,000 $321,667 $1,967 2.60%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 5 $1,865,000 $373,000 $6,181 2.60%
    PITTSBURGH, PA (FHA|USDA|VA) 6 $1,820,000 $303,333 $3,536 2.93%
    Rolla, MO (FHA|USDA|VA) 10 $1,810,000 $181,000 $2,596 3.14%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 6 $1,800,000 $300,000 $2,792 2.52%
    WINSTON-SALEM, NC (FHA|USDA|VA) 8 $1,800,000 $225,000 $3,376 2.92%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 6 $1,710,000 $285,000 $6,951 3.10%
    Hilo, HI (FHA|USDA|VA) 3 $1,655,000 $551,667 $3,879 2.67%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 4 $1,640,000 $410,000 $5,350 2.56%
    TOPEKA, KS (FHA|USDA|VA) 6 $1,580,000 $263,333 $3,040 3.10%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 5 $1,565,000 $313,000 $2,692 2.60%
    BEND, OR (FHA|USDA|VA) 3 $1,535,000 $511,667 $1,689 1.96%
    FORT COLLINS, CO (FHA|USDA|VA) 4 $1,480,000 $370,000 $2,557 2.78%
    TUCSON, AZ (FHA|USDA|VA) 4 $1,470,000 $367,500 $2,868 2.94%
    ANCHORAGE, AK (FHA|USDA|VA) 4 $1,440,000 $360,000 $3,861 2.37%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 3 $1,435,000 $478,333 $9,237 2.38%
    COLUMBIA, SC (FHA|USDA|VA) 7 $1,425,000 $203,571 $2,244 2.80%
    MADISON, WI (FHA|USDA|VA) 3 $1,355,000 $451,667 $2,185 2.79%
    GAINESVILLE, GA (FHA|USDA|VA) 4 $1,330,000 $332,500 $2,343 2.69%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 5 $1,285,000 $257,000 $3,153 2.70%
    COLUMBUS, OH (FHA|USDA|VA) 4 $1,240,000 $310,000 $2,660 2.66%
    Glenwood Springs, CO (FHA|USDA|VA) 4 $1,230,000 $307,500 $5,232 3.22%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 4 $1,210,000 $302,500 $4,325 2.72%
    Pittsburg, KS (FHA|USDA|VA) 1 $1,205,000 $1,205,000 $0 3.85%
    Kirksville, MO (FHA|USDA|VA) 9 $1,205,000 $133,889 $2,006 3.15%
    KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 2 $1,170,000 $585,000 $4,547 2.69%
    Heber, UT (FHA|USDA|VA) 1 $1,165,000 $1,165,000 $4,723 2.88%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $1,160,000 $580,000 $2,211 2.88%
    Ottawa, KS (FHA|USDA|VA) 6 $1,150,000 $191,667 $2,306 3.90%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 7 $1,145,000 $163,571 $2,671 3.87%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 3 $1,135,000 $378,333 $2,158 3.04%
    ROCHESTER, MN (FHA|USDA|VA) 3 $1,135,000 $378,333 $7,677 2.33%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 3 $1,115,000 $371,667 $2,928 2.71%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 3 $1,095,000 $365,000 $3,014 3.00%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $1,055,000 $351,667 $4,792 2.79%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $1,045,000 $348,333 $2,406 2.46%
    ASHEVILLE, NC (FHA|USDA|VA) 5 $1,045,000 $209,000 $2,620 2.95%
    AMES, IA (FHA|USDA|VA) 4 $1,030,000 $257,500 $1,923 2.81%
    Ellensburg, WA (FHA|USDA|VA) 1 $1,025,000 $1,025,000 $3,930 3.38%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 4 $1,000,000 $250,000 $2,465 2.97%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 3 $995,000 $331,667 $7,008 2.71%
    Kapaa, HI (FHA|USDA|VA) 2 $990,000 $495,000 $2,299 2.44%
    MOBILE, AL (FHA|USDA|VA) 2 $960,000 $480,000 $3,125 3.13%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $940,000 $470,000 $2,406 2.75%
    Sedalia, MO (FHA|USDA|VA) 6 $940,000 $156,667 $2,548 2.98%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $940,000 $470,000 $1,708 2.69%
    AKRON, OH (FHA|USDA|VA) 2 $930,000 $465,000 $2,414 2.75%
    Sanford, NC (FHA|USDA|VA) 4 $930,000 $232,500 $3,170 3.06%
    Kalispell, MT (FHA|USDA|VA) 2 $930,000 $465,000 $2,863 2.81%
    Lebanon, MO (FHA|USDA|VA) 7 $925,000 $132,143 $2,315 3.62%
    PANAMA CITY, FL (FHA|USDA|VA) 3 $895,000 $298,333 $3,594 2.88%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 2 $890,000 $445,000 $1,283 2.94%
    Boone, NC (FHA|USDA|VA) 2 $890,000 $445,000 $2,618 3.06%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $890,000 $445,000 $4,669 3.12%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $865,000 $865,000 $0 3.50%
    Outside of Metro Areas 3 $855,000 $285,000 $6,141 2.75%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $850,000 $425,000 $6,956 2.38%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $840,000 $420,000 $1,846 2.63%
    SALISBURY, MD-DE (FHA|USDA|VA) 2 $840,000 $420,000 $2,410 2.44%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 3 $825,000 $275,000 $2,994 2.75%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $820,000 $410,000 $3,011 3.31%
    VALLEJO, CA (FHA|USDA|VA) 2 $810,000 $405,000 $9,798 2.56%
    SANTA FE, NM (FHA|USDA|VA) 2 $780,000 $390,000 $2,887 2.38%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 4 $780,000 $195,000 $3,322 2.94%
    NEW BERN, NC (FHA|USDA|VA) 2 $760,000 $380,000 $5,346 2.87%
    Hailey, ID (FHA|USDA|VA) 1 $755,000 $755,000 $5,146 3.13%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $755,000 $251,667 $3,332 3.38%
    PUNTA GORDA, FL (FHA|USDA|VA) 3 $745,000 $248,333 $3,868 3.13%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 2 $740,000 $370,000 $2,593 2.37%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 3 $735,000 $245,000 $1,365 2.67%
    Montrose, CO (FHA|USDA|VA) 2 $730,000 $365,000 $5,004 2.87%
    Hannibal, MO (FHA|USDA|VA) 5 $725,000 $145,000 $2,293 3.53%
    MORGANTOWN, WV (FHA|USDA|VA) 4 $720,000 $180,000 $2,485 3.00%
    Bozeman, MT (FHA|USDA|VA) 2 $710,000 $355,000 $2,096 2.62%
    LAS CRUCES, NM (FHA|USDA|VA) 2 $690,000 $345,000 $4,162 2.69%
    WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 2 $690,000 $345,000 $4,073 2.50%
    Scottsboro, AL (FHA|USDA|VA) 3 $685,000 $228,333 $2,139 2.92%
    Sevierville, TN (FHA|USDA|VA) 2 $680,000 $340,000 $4,808 3.19%
    ROCKY MOUNT, NC (FHA|USDA|VA) 3 $675,000 $225,000 $7,786 3.33%
    Burlington, IA-IL (FHA|USDA|VA) 1 $655,000 $655,000 $19,107 3.00%
    MONROE, MI (FHA|USDA|VA) 2 $620,000 $310,000 $1,588 2.50%
    AMARILLO, TX (FHA|USDA|VA) 2 $610,000 $305,000 $3,840 2.56%
    Muskogee, OK (FHA|USDA|VA) 2 $610,000 $305,000 $3,742 3.13%
    GREEN BAY, WI (FHA|USDA|VA) 4 $610,000 $152,500 $1,950 3.00%
    Key West, FL (FHA|USDA|VA) 1 $595,000 $595,000 $3,188 2.25%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $595,000 $595,000 $3,573 2.99%
    FARMINGTON, NM (FHA|USDA|VA) 3 $585,000 $195,000 $4,189 3.21%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $570,000 $285,000 $3,988 3.75%
    Centralia, WA (FHA|USDA|VA) 1 $545,000 $545,000 $2,840 2.75%
    NAPA, CA (FHA|USDA|VA) 1 $545,000 $545,000 $1,385 2.38%
    BILLINGS, MT (FHA|USDA|VA) 1 $545,000 $545,000 $4,764 3.13%
    Fredericksburg, TX (FHA|USDA|VA) 1 $545,000 $545,000 $6,141 2.63%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $545,000 $545,000 $3,236 2.25%
    ROANOKE, VA (FHA|USDA|VA) 1 $545,000 $545,000 $2,933 3.38%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 2 $530,000 $265,000 $6,019 3.31%
    ERIE, PA (FHA|USDA|VA) 1 $525,000 $525,000 $6,385 2.50%
    Pella, IA (FHA|USDA|VA) 2 $520,000 $260,000 $2,079 3.44%
    TOLEDO, OH (FHA|USDA|VA) 2 $520,000 $260,000 $2,136 3.06%
    WENATCHEE, WA (FHA|USDA|VA) 2 $520,000 $260,000 $1,351 2.74%
    West Plains, MO (FHA|USDA|VA) 3 $515,000 $171,667 $2,629 3.04%
    LINCOLN, NE (FHA|USDA|VA) 1 $515,000 $515,000 $2,755 2.25%
    Sterling, CO (FHA|USDA|VA) 2 $510,000 $255,000 $2,753 3.63%
    Elko, NV (FHA|USDA|VA) 1 $505,000 $505,000 $4,476 2.63%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $500,000 $250,000 $2,419 3.19%
    MISSOULA, MT (FHA|USDA|VA) 1 $495,000 $495,000 $3,887 2.75%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 3 $495,000 $165,000 $4,873 2.83%
    MANHATTAN, KS (FHA|USDA|VA) 2 $480,000 $240,000 $7,072 2.56%
    Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $475,000 $475,000 $2,132 2.87%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $470,000 $235,000 $2,719 3.00%
    Stevens Point, WI (FHA|USDA|VA) 1 $465,000 $465,000 $2,481 3.13%
    Ardmore, OK (FHA|USDA|VA) 1 $465,000 $465,000 $0 4.00%
    Morehead City, NC (FHA|USDA|VA) 2 $460,000 $230,000 $1,980 2.50%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $455,000 $455,000 $2,321 2.63%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $455,000 $455,000 $1,013 2.50%
    SPRINGFIELD, MA (FHA|USDA|VA) 1 $455,000 $455,000 $4,113 2.63%
    LONGVIEW, WA (FHA|USDA|VA) 1 $445,000 $445,000 $2,984 2.75%
    Concord, NH (FHA|USDA|VA) 1 $435,000 $435,000 $17,412 2.25%
    GREAT FALLS, MT (FHA|USDA|VA) 1 $425,000 $425,000 $1,746 2.25%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $425,000 $425,000 $5,155 2.50%
    BAKERSFIELD, CA (FHA|USDA|VA) 1 $425,000 $425,000 $876 2.63%
    Salina, KS (FHA|USDA|VA) 2 $420,000 $210,000 $4,238 2.50%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 3 $415,000 $138,333 $2,904 3.46%
    RAPID CITY, SD (FHA|USDA|VA) 1 $415,000 $415,000 $3,190 1.75%
    LYNCHBURG, VA (FHA|USDA|VA) 2 $410,000 $205,000 $4,785 3.31%
    Sandpoint, ID (FHA|USDA|VA) 1 $405,000 $405,000 $2,338 2.63%
    Torrington, CT (FHA|USDA|VA) 1 $405,000 $405,000 $2,758 2.99%
    Cullowhee, NC (FHA|USDA|VA) 1 $405,000 $405,000 $5,542 2.63%
    SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $405,000 $405,000 $3,948 2.88%
    DOTHAN, AL (FHA|USDA|VA) 1 $395,000 $395,000 $2,828 2.38%
    RACINE, WI (FHA|USDA|VA) 1 $395,000 $395,000 $15,269 2.25%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $395,000 $395,000 $3,174 2.25%
    WARNER ROBINS, GA (FHA|USDA|VA) 1 $395,000 $395,000 $3,851 2.63%
    ST. GEORGE, UT (FHA|USDA|VA) 1 $395,000 $395,000 $1,596 3.12%
    Harrison, AR (FHA|USDA|VA) 2 $390,000 $195,000 $1,682 3.00%
    FRESNO, CA (FHA|USDA|VA) 1 $385,000 $385,000 $11,230 2.25%
    MODESTO, CA (FHA|USDA|VA) 1 $385,000 $385,000 $1,585 2.50%
    BRUNSWICK, GA (FHA|USDA|VA) 1 $385,000 $385,000 $9,222 2.25%
    LONGVIEW, TX (FHA|USDA|VA) 1 $385,000 $385,000 $4,490 2.63%
    Fort Leonard Wood, MO (FHA|USDA|VA) 2 $380,000 $190,000 $2,632 3.50%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $365,000 $365,000 $3,662 2.75%
    Fergus Falls, MN (FHA|USDA|VA) 1 $355,000 $355,000 $1,590 2.25%
    CHEYENNE, WY (FHA|USDA|VA) 1 $355,000 $355,000 $3,079 2.25%
    SAGINAW, MI (FHA|USDA|VA) 1 $345,000 $345,000 $2,605 2.75%
    Portsmouth, OH (FHA|USDA|VA) 1 $345,000 $345,000 $3,838 3.25%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $345,000 $345,000 $1,735 2.99%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $335,000 $335,000 $1,771 3.13%
    Traverse City, MI (FHA|USDA|VA) 1 $325,000 $325,000 $3,623 3.00%
    MORRISTOWN, TN (FHA|USDA|VA) 1 $325,000 $325,000 $1,340 2.75%
    Kearney, NE (FHA|USDA|VA) 1 $315,000 $315,000 $1,940 2.88%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $305,000 $305,000 $3,627 3.25%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $305,000 $305,000 $14,632 2.75%
    Elk City, OK (FHA|USDA|VA) 2 $300,000 $150,000 $3,453 4.06%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $295,000 $295,000 $3,788 2.40%
    Sault Ste. Marie, MI (FHA|USDA|VA) 1 $295,000 $295,000 $3,592 3.25%
    Ruston, LA (FHA|USDA|VA) 1 $295,000 $295,000 $2,657 2.75%
    Marshall, MO (FHA|USDA|VA) 2 $290,000 $145,000 $2,085 3.44%
    CHICO, CA (FHA|USDA|VA) 1 $285,000 $285,000 $2,405 2.75%
    Coos Bay, OR (FHA|USDA|VA) 1 $285,000 $285,000 $4,492 3.25%
    EL PASO, TX (FHA|USDA|VA) 1 $285,000 $285,000 $4,882 2.75%
    Central City, KY (FHA|USDA|VA) 1 $285,000 $285,000 $1,110 2.25%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $285,000 $285,000 $1,751 2.25%
    Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $285,000 $285,000 $3,342 2.88%
    LaGrange, GA-AL (FHA|USDA|VA) 1 $285,000 $285,000 $2,143 2.25%
    Kill Devil Hills, NC (FHA|USDA|VA) 1 $285,000 $285,000 $3,742 2.50%
    Brookings, OR (FHA|USDA|VA) 1 $285,000 $285,000 $0 3.25%
    Stillwater, OK (FHA|USDA|VA) 2 $280,000 $140,000 $3,973 3.25%
    Starkville, MS (FHA|USDA|VA) 1 $275,000 $275,000 $1,914 2.13%
    Fairmont, MN (FHA|USDA|VA) 1 $275,000 $275,000 $1,964 3.25%
    CLEVELAND, TN (FHA|USDA|VA) 1 $275,000 $275,000 $3,661 3.13%
    Wilmington, OH (FHA|USDA|VA) 1 $265,000 $265,000 $6,125 2.25%
    Laramie, WY (FHA|USDA|VA) 1 $265,000 $265,000 $3,286 3.25%
    OCALA, FL (FHA|USDA|VA) 1 $265,000 $265,000 $3,814 2.99%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $265,000 $265,000 $1,335 2.13%
    Roanoke Rapids, NC (FHA|USDA|VA) 1 $265,000 $265,000 $3,112 2.75%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $265,000 $265,000 $1,840 3.13%
    TUSCALOOSA, AL (FHA|USDA|VA) 1 $265,000 $265,000 $4,431 2.99%
    BISMARCK, ND (FHA|USDA|VA) 1 $265,000 $265,000 $1,315 2.25%
    Bartlesville, OK (FHA|USDA|VA) 4 $260,000 $65,000 $3,204 4.38%
    GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $255,000 $255,000 $7,946 2.25%
    YORK-HANOVER, PA (FHA|USDA|VA) 1 $255,000 $255,000 $2,125 2.99%
    BOWLING GREEN, KY (FHA|USDA|VA) 1 $245,000 $245,000 $1,527 2.38%
    YUBA CITY, CA (FHA|USDA|VA) 1 $245,000 $245,000 $1,215 2.50%
    LAREDO, TX (FHA|USDA|VA) 1 $235,000 $235,000 $3,665 3.25%
    Tupelo, MS (FHA|USDA|VA) 1 $235,000 $235,000 $10,265 2.75%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $225,000 $225,000 $6,478 2.63%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $225,000 $225,000 $886 2.38%
    Poplar Bluff, MO (FHA|USDA|VA) 1 $225,000 $225,000 $0 3.75%
    Portales, NM (FHA|USDA|VA) 1 $225,000 $225,000 $10,216 2.25%
    Spearfish, SD (FHA|USDA|VA) 1 $215,000 $215,000 $3,284 3.63%
    TYLER, TX (FHA|USDA|VA) 1 $205,000 $205,000 $1,994 2.38%
    Lawrenceburg, TN (FHA|USDA|VA) 1 $205,000 $205,000 $4,599 3.13%
    Alamogordo, NM (FHA|USDA|VA) 1 $205,000 $205,000 $6,175 2.63%
    Bluffton, IN (FHA|USDA|VA) 1 $205,000 $205,000 $1,991 3.13%
    Georgetown, SC (FHA|USDA|VA) 1 $195,000 $195,000 $3,041 3.00%
    ABILENE, TX (FHA|USDA|VA) 1 $185,000 $185,000 $0 3.75%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.13%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $185,000 $185,000 $2,720 3.13%
    Albemarle, NC (FHA|USDA|VA) 1 $175,000 $175,000 $4,964 3.49%
    Marshalltown, IA (FHA|USDA|VA) 1 $175,000 $175,000 $2,507 2.99%
    FORT SMITH, AR-OK (FHA|USDA|VA) 1 $165,000 $165,000 $2,834 2.50%
    Newport, OR (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.25%
    HAMMOND, LA (FHA|USDA|VA) 1 $165,000 $165,000 $3,570 3.38%
    Hays, KS (FHA|USDA|VA) 2 $160,000 $80,000 $0 4.88%
    Shawnee, OK (FHA|USDA|VA) 1 $155,000 $155,000 $2,888 3.25%
    Farmington, MO (FHA|USDA|VA) 1 $155,000 $155,000 $2,449 2.50%
    BLOOMINGTON, IL (FHA|USDA|VA) 1 $145,000 $145,000 $2,014 2.88%
    FORT WAYNE, IN (FHA|USDA|VA) 1 $145,000 $145,000 $890 3.37%
    DALTON, GA (FHA|USDA|VA) 1 $145,000 $145,000 $3,163 3.13%
    Ada, OK (FHA|USDA|VA) 1 $135,000 $135,000 $3,140 2.88%
    Hutchinson, KS (FHA|USDA|VA) 1 $135,000 $135,000 $2,901 3.13%
    ROME, GA (FHA|USDA|VA) 1 $125,000 $125,000 $2,555 2.88%
    GADSDEN, AL (FHA|USDA|VA) 1 $115,000 $115,000 $2,089 3.50%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $105,000 $105,000 $3,181 3.13%
    Helena, MT (FHA|USDA|VA) 1 $105,000 $105,000 $1,701 4.00%
    Quincy, IL-MO (FHA|USDA|VA) 1 $95,000 $95,000 $2,440 2.88%
    Oskaloosa, IA (FHA|USDA|VA) 1 $95,000 $95,000 $2,493 3.63%
    Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 1 $95,000 $95,000 $1,586 3.38%
    DuBois, PA (FHA|USDA|VA) 1 $65,000 $65,000 $3,535 3.50%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $65,000 $65,000 $3,060 3.49%
    Miami, OK (FHA|USDA|VA) 1 $45,000 $45,000 $3,232 3.63%
    The Central Trust Bank's top markets include St. Louis, Columbia, Jefferson City, Kansas City, and Springfield among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Tennessee (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 10,093 $2,812,425,000 $278,651 $2,718 3.07%
    VA 485 $186,125,000 $383,763 $6,975 2.57%
    FHA 344 $73,630,000 $214,041 $7,247 3.04%
    USDA 127 $22,655,000 $178,386 $4,744 2.99%
    HELOC 1 $65,000 $65,000 n/a 6.00%

    For 2021, The Central Trust Bank's most frequently originated type of loan was Conventional, with 10,093 originations. Their 2nd most popular type was VA, with 485 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 5,453 $1,577,205,000 $289,236 $3,884 3.18%
    Refi 3,553 $934,105,000 $262,906 $2,229 2.79%
    Cash Out Refi 1,877 $546,355,000 $291,079 $2,745 3.12%
    Home Improvement 95 $22,775,000 $239,737 $2,645 3.51%
    Other 72 $14,460,000 $200,833 $2,429 3.32%

    For 2021, The Central Trust Bank's most frequently cited loan purpose was Home Purchase, with 5,453 originations. The 2nd most popular reason was Refi, with 3,553 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 7,533 $2,174,385,000 $288,648 $3,435 3.05%
    15 Year 1,872 $420,270,000 $224,503 $2,326 2.57%
    5 Year 450 $147,480,000 $327,733 $1,545 4.14%
    20 Year 442 $96,070,000 $217,353 $2,193 3.09%
    Other 299 $143,445,000 $479,749 $2,115 3.66%
    10 Year 260 $50,990,000 $196,115 $2,107 2.76%
    1 Year 137 $28,145,000 $205,438 $1,594 4.53%
    3 Year 57 $34,115,000 $598,509 $1,940 4.26%

    For 2021, The Central Trust Bank's most frequently cited loan duration was 30 Year, with 7,533 originations. The 2nd most popular length was 15 Year, with 1,872 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 6,199 $1,706,865,000 $275,345
    $1k-2k 2,984 $765,040,000 $256,381
    $2k-3k 273 $85,625,000 $313,645
    $3k-4k 133 $43,485,000 $326,955
    $4k-5k 93 $34,995,000 $376,290
    $5k+ 65 $31,165,000 $479,462

    The Central Trust Bank's average total fees were $3,435, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 6,199 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 4,516 $1,293,470,000 $286,419
    3-4% 3,932 $1,052,150,000 $267,586
    <2.5% 1,917 $604,835,000 $315,511
    4-5% 668 $141,400,000 $211,677
    5-6% 16 $2,990,000 $186,875
    6-7% 1 $55,000 $55,000

    During 2021, The Central Trust Bank's average interest rate for loans was 3.05%, while their most frequently originated rate bucket for loans was 2.5-3%, with 4,516 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 4,384 $1,252,170,000 $285,623 $3,203 2.96%
    $100k-200k 3,529 $526,575,000 $149,214 $2,612 3.15%
    $400k-600k 1,651 $796,045,000 $482,159 $3,932 2.80%
    $100,000 or less 1,140 $82,630,000 $72,482 $2,232 3.41%
    $600k-1MM 252 $187,310,000 $743,294 $5,226 3.00%
    $1MM+ 94 $250,170,000 $2,661,383 $5,603 3.38%

    2021 saw The Central Trust Bank place emphasis on $200k-400k loans with 4,384 originations, totaling $1,252,170,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 2,333 $694,775,000 $297,803 $3,203 2.93%
    $50k-75k 2,045 $400,015,000 $195,606 $3,131 3.06%
    $75k-100k 1,792 $435,190,000 $242,852 $3,207 2.98%
    $150k-250k 1,696 $620,650,000 $365,949 $3,134 2.86%
    $50k or less 1,472 $197,640,000 $134,266 $2,856 3.15%
    $250k+ 828 $388,840,000 $469,614 $3,292 2.92%

    The Central Trust Bank lent most frequently to those with incomes in the $100k-150k range, with 2,333 originations. The second most popular income band? $50k-75k, with 2,045 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 2,887 $765,775,000 $265,249 $2,836 2.94%
    30-36% 2,053 $551,995,000 $268,872 $3,061 2.99%
    <20% 1,337 $341,095,000 $255,120 $2,513 2.90%
    36% 347 $96,345,000 $277,651 $3,286 3.04%
    39% 327 $85,175,000 $260,474 $3,275 3.05%
    41% 320 $91,230,000 $285,094 $3,215 3.03%
    40% 319 $88,745,000 $278,197 $3,446 2.98%
    37% 314 $88,120,000 $280,637 $3,228 3.03%
    38% 309 $75,155,000 $243,220 $3,308 3.01%
    42% 300 $83,080,000 $276,933 $3,483 3.05%
    43% 299 $72,805,000 $243,495 $3,468 3.07%
    44% 285 $79,755,000 $279,842 $3,694 3.05%
    45% 213 $56,885,000 $267,066 $3,677 3.02%
    49% 198 $55,140,000 $278,485 $3,227 3.02%
    46% 196 $54,270,000 $276,888 $3,526 2.91%
    47% 194 $58,590,000 $302,010 $4,004 2.98%
    50-60% 183 $57,215,000 $312,650 $5,995 3.05%
    48% 151 $41,345,000 $273,808 $3,803 3.00%
    >60% 83 $25,875,000 $311,747 $3,463 3.40%

    The Central Trust Bank lent most frequently to those with DTI ratios of 20-30%, with 2,887 originations. The next most common DTI ratio? 30-36%, with 2,053 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 8,590 $2,222,310,000 $258,709 $3,079 3.00%
    Not applicable 606 $287,630,000 $474,637 $0 4.16%
    Not provided 806 $243,400,000 $301,985 $3,311 2.95%
    Asian 541 $195,175,000 $360,767 $2,981 2.72%
    Black 275 $67,145,000 $244,164 $4,047 3.04%
    Asian Indian 102 $39,190,000 $384,216 $2,631 2.62%
    American Indian 91 $26,315,000 $289,176 $3,555 3.06%
    Chinese 13 $4,275,000 $328,846 $2,879 2.86%
    Other Asian 8 $3,590,000 $448,750 $2,597 2.66%
    Korean 7 $2,885,000 $412,143 $2,212 2.82%
    Native Hawaiian or Islander 5 $1,785,000 $357,000 $4,328 3.10%
    Vietnamese 2 $540,000 $270,000 $2,671 2.87%
    Guamanian 2 $390,000 $195,000 $2,758 2.94%
    Other Pacific Islander 1 $225,000 $225,000 $2,577 2.88%
    1 $45,000 $45,000 $2,006 2.88%

    Approval Rates

    Total approvals of all applications
    97.26%

    The Central Trust Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    82.97%

    The Central Trust Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 11,050 $3,094,900,000 $280,081

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    11,050 $3,094,900,000 $280,081

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 646 $105,590,000 $163,452 $2,333 2.96%
    40-60% 1,836 $475,350,000 $258,905 $2,385 2.87%
    60-80% 4,488 $1,345,950,000 $299,900 $2,760 3.08%
    80-100% 3,860 $1,113,680,000 $288,518 $3,759 3.10%
    Over 100% 84 $32,500,000 $386,905 $13,555 2.81%
    Under 20% 107 $11,825,000 $110,514 $1,516 3.64%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    The Central Trust Bank 3533 Country Club Dr Jefferson City, MO 65109 Full Service B&M $141,129
    The Central Trust Bank 401 Supercenter Dr Jefferson City, MO 65101 Full Service Retail $6,370
    The Central Trust Bank 410 Market Street Fulton, MO 65251 Full Service B&M $156,662
    The Central Trust Bank 5278 North Nevada Avenue Suite 100 Colorado Springs, CO 80918 Limited, Drive-thru $5,499
    The Central Trust Bank 724 West Stadium Boulevard Jefferson City, MO 65101 Full Service Retail $30,428
    The Central Trust Bank 8000 E. Belleview Avenue Greenwood Village, CO 80111 Full Service B&M $5,623
    The Central Trust Bank Missouri 52 Highway And High Street Tuscumbia, MO 65082 Full Service B&M $33,082
    The Central Trust Bank U.S. Highway 50 California, MO 65018 Full Service B&M $21,589
    The Central Trust Bank 100 State Road Ae New Bloomfield, MO 65063 Full Service B&M $13,313
    The Central Trust Bank 111 E Miller St Jefferson City, MO 65101 Full Service B&M $249,523
    The Central Trust Bank 116-124 East Miller Street Jefferson City, MO 65101 Full Service B&M $389,266
    The Central Trust Bank 1211 Main Avenue Durango, CO 81301 Full Service B&M $3,149
    The Central Trust Bank 155 Northstar Drive Holts Summit, MO 65043 Full Service B&M $64,984
    The Central Trust Bank 2020 North Bluff Fulton, MO 65251 Full Service B&M $3,079
    The Central Trust Bank 2116 Nelwood Drive Columbia, MO 65202 Full Service Cyber Office $37,880
    The Central Trust Bank 238 Madison Street Jefferson City, MO 65101 Limited, Drive-thru $0
    The Central Trust Bank 238 Madison Street Jefferson City, MO 65101 Full Service B&M $1,232,385
    The Central Trust Bank 329 South Oak California, MO 65018 Full Service B&M $52,694

    For 2021, The Central Trust Bank had 18 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $516,613
    Net interest income $494,840
    Total noninterest income $277,033
    Gross Fiduciary activities income $38,101
    Service charges on deposit accounts $41,646
    Trading account gains and fees $8
    Additional Noninterest Income $197,278
    Pre-tax net operating income $333,637
    Securities gains (or losses, -) $1,402
    Income before extraordinary items $258,051
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $258,051
    Minority interest net income $0
    Net income $258,051
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $256,943

    The Central Trust Bank's gross interest income from loans was $516,613,000.
    The Central Trust Bank's net interest income from loans was $494,840,000.
    The Central Trust Bank's fee based income from loans was $41,646,000.
    The Central Trust Bank's net income from loans was $258,051,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $21,773
    Provision for credit losses $6,146
    Total noninterest expense $432,090
    Salaries and employee benefits $241,717
    Premises and equipment expense $37,838
    Additional noninterest expense $152,535
    Applicable income taxes $76,988
    Net charge-offs $4,215
    Cash dividends $85,000

    The Central Trust Bank's interest expense for loans was $21,773,000.
    The Central Trust Bank's payroll and benefits expense were $241,717,000.
    The Central Trust Bank's property, plant and equipment expenses $37,838,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.4%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $16,155,544
    Deposits held in domestic offices $16,155,544
    Deposits by Individuals, partnerships, and corporations $14,230,071
    Deposits by U.S. Government $256
    Deposits by States and political subdivisions in the U.S. $1,893,962
    Deposits by Commercial banks and other depository institutions in U.S. $31,255
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,788,475
    Demand deposits $1,425,025
    Nontransaction accounts $14,367,069
    Money market deposit accounts (MMDAs) $11,253,333
    Other savings deposits (excluding MMDAs) $1,864,758
    Total time deposits $1,248,978
    Total time and savings deposits $14,730,519
    Noninterest-bearing deposits $6,301,153
    Interest-bearing deposits $9,854,391
    Retail deposits $15,888,302
    IRAs and Keogh plan accounts $275,439
    Brokered deposits $4,259
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $20,248,406
    Cash & Balances due from depository institutions $3,416,118
    Interest-bearing balances $3,266,984
    Total securities $5,721,470
    Federal funds sold & reverse repurchase $1,578
    Net loans and leases $10,217,059
    Loan and leases loss allowance $152,387
    Trading account assets $0
    Bank premises and fixed assets $209,710
    Other real estate owned $6,644
    Goodwill and other intangibles $402,696
    All other assets $273,131

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $20,248,406
    Total Liabilities $18,338,614
    Total deposits $16,155,544
    Interest-bearing deposits $9,854,391
    Deposits held in domestic offices $16,155,544
    % insured (estimated) $75
    Federal funds purchased and repurchase agreements $1,421,371
    Trading liabilities $0
    Other borrowed funds $640,000
    Subordinated debt $0
    All other liabilities $121,699

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $10,217,059
    Loan and leases loss allowance $152,387
    Total loans and leases (domestic) $10,369,446
    All real estate loans $7,241,884
    Real estate loans in domestic offices $7,241,884
    Construction and development loans $856,527
    Residential 1-4 family construction $312,920
    Other construction, all land development and other land $543,607
    Loans secured by nonfarm nonresidential properties $3,415,515
    Nonfarm nonresidential secured by owner-occupied properties $1,236,143
    Commercial real estate & other non-farm, non-residential $2,179,372
    Multifamily residential real estate $722,568
    1-4 family residential loans $1,973,249
    Farmland loans $274,025
    Loans held in foreign offices $0
    Farm loans $72,087
    Commercial and industrial loans $1,468,089
    To non-U.S. addressees $0
    Loans to individuals $1,029,443
    Credit card loans $74,405
    Related Plans $39,391
    Consumer Auto Loans $581,972
    Other loans to individuals $333,675
    All other loans & leases $571,725
    Loans to foreign governments and official institutions $0
    Other loans $173,386
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $80,603
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $5,846
    Non 1-4 family restructured loans & leases $4,722
    Total loans and leases (foreign) $0

    The Central Trust Bank had $10,217,059,000 of loans outstanding in 2021. $7,241,884,000 of loans were in real estate loans. $856,527,000 of loans were in development loans. $722,568,000 of loans were in multifamily mortgage loans. $1,973,249,000 of loans were in 1-4 family mortgage loans. $72,087,000 of loans were in farm loans. $74,405,000 of loans were in credit card loans. $581,972,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 3,274 $693,610 $211,854
    Nonfarm, nonresidential loans - <$100k 698 $25,109 $35,973
    Nonfarm, nonresidential loans - $100-250k 1,021 $117,622 $115,203
    Nonfarm, nonresidential loans - $250k-1MM 1,555 $550,879 $354,263
    Commercial & Industrial, US addressed loans - <$1MM 38,803 $518,322 $13,358
    Commercial & Industrial, US addressed loans - <$100k 36,937 $161,388 $4,369
    Commercial & Industrial, US addressed loans - $100-250k 992 $101,291 $102,108
    Commercial & Industrial, US addressed loans - $250k-1MM 874 $255,643 $292,498
    Farmland loans - <$1MM 1,265 $148,255 $117,198
    Farmland loans - <$100k 504 $18,978 $37,655
    Farmland loans - $100-250k 507 $61,678 $121,653
    Farmland loans - $250k-1MM 254 $67,599 $266,138
    Agriculture operations loans - <$1MM 1,963 $59,507 $30,314
    Agriculture operations loans - <$100k 1,797 $33,220 $18,486
    Agriculture operations loans - $100-250k 115 $12,208 $106,157
    Agriculture operations loans - $250k-1MM 51 $14,079 $276,059