Central Trust Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Central Trust Bank 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Central Trust Bank 238 Madison Street Jefferson City, MO 65101 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 1,570 |
| Total Mortgage Loan Application Amount | $170,479,000 |
| Average Mortgage Loan Application Amount | $158,187 |
| Highest Mortgage Loan Application Amount | $3,621,000 |
| Average Applicant Income | $119,125 |
| Highest Applicant Income | $925,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Central Trust Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Central Trust Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Central Trust Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Central Trust Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Central Trust Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Central Trust Bank's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cole County Missouri | 700 | $ 80,530,000 | $ 115,000 | $ 63,000 |
| Callaway County Missouri | 360 | $ 31,552,000 | $ 87,000 | $ 49,000 |
| Moniteau County Missouri | 149 | $ 12,442,000 | $ 83,000 | $ 41,000 |
| Miller County Missouri | 76 | $ 5,216,000 | $ 68,000 | $ 49,000 |
| Boone County Missouri | 72 | $ 13,294,000 | $ 184,000 | $ 62,000 |
| Osage County Missouri | 32 | $ 3,205,000 | $ 100,000 | $ 65,000 |
| Camden County Missouri | 28 | $ 5,396,000 | $ 192,000 | $ 159,000 |
| Morgan County Missouri | 17 | $ 1,314,000 | $ 77,000 | $ 57,000 |
| St. Louis County Missouri | 14 | $ 3,332,000 | $ 238,000 | $ 241,000 |
| Cooper County Missouri | 8 | $ 419,000 | $ 52,000 | $ 35,000 |
| Pettis County Missouri | 8 | $ 309,000 | $ 38,000 | $ 40,000 |
| Audrain County Missouri | 7 | $ 624,000 | $ 89,000 | $ 50,000 |
| Jackson County Missouri | 6 | $ 461,000 | $ 76,000 | $ 68,000 |
| Maries County Missouri | 6 | $ 627,000 | $ 104,000 | $ 61,000 |
| Gasconade County Missouri | 4 | $ 479,000 | $ 119,000 | $ 76,000 |
| Pulaski County Missouri | 4 | $ 151,000 | $ 37,000 | $ 68,000 |
| St. Charles County Missouri | 4 | $ 653,000 | $ 163,000 | $ 45,000 |
| Phelps County Missouri | 3 | $ 174,000 | $ 58,000 | $ 29,000 |
| Ralls County Missouri | 3 | $ 208,000 | $ 69,000 | $ 82,000 |
| Crawford County Missouri | 2 | $ 318,000 | $ 159,000 | $ 69,000 |
| Johnson County Missouri | 2 | $ 240,000 | $ 120,000 | $ 105,000 |
| Saline County Missouri | 2 | $ 1,712,000 | $ 856,000 | $ 27,000 |
| St. Louis City County Missouri | 2 | $ 268,000 | $ 134,000 | $ 60,000 |
| Travis County Texas | 2 | $ 304,000 | $ 152,000 | $ 165,000 |
| Pima County Arizona | 1 | $ 540,000 | $ 540,000 | $ 307,000 |
| Sacramento County California | 1 | $ 258,000 | $ 258,000 | $ 155,000 |
| Brevard County Florida | 1 | $ 96,000 | $ 96,000 | $ 74,000 |
| Broward County Florida | 1 | $ 208,000 | $ 208,000 | $ 56,000 |
| Duval County Florida | 1 | $ 150,000 | $ 150,000 | $ 139,000 |
| Manatee County Florida | 1 | $ 200,000 | $ 200,000 | $ 74,000 |
| Orange County Florida | 1 | $ 155,000 | $ 155,000 | $ 240,000 |
| Seminole County Florida | 1 | $ 168,000 | $ 168,000 | $ 54,000 |
| Madison County Illinois | 1 | $ 108,000 | $ 108,000 | $ 167,000 |
| Jefferson County Kentucky | 1 | $ 258,000 | $ 258,000 | $ 149,000 |
| Macomb County Michigan | 1 | $ 70,000 | $ 70,000 | $ 25,000 |
| Hennepin County Minnesota | 1 | $ 30,000 | $ 30,000 | $ 18,000 |
| Benton County Missouri | 1 | $ 46,000 | $ 46,000 | $ 49,000 |
| Buchanan County Missouri | 1 | $ 105,000 | $ 105,000 | $ 64,000 |
| Cape Girardeau County Missouri | 1 | $ 52,000 | $ 52,000 | $ 105,000 |
| Carter County Missouri | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Chariton County Missouri | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Clay County Missouri | 1 | $ 74,000 | $ 74,000 | $ 39,000 |
| Greene County Missouri | 1 | $ 220,000 | $ 220,000 | $ 47,000 |
| Grundy County Missouri | 1 | $ 20,000 | $ 20,000 | $ 7,000 |
| Henry County Missouri | 1 | $ 8,000 | $ 8,000 | $ 32,000 |
| Howard County Missouri | 1 | $ 74,000 | $ 74,000 | $ 34,000 |
| Lincoln County Missouri | 1 | $ 71,000 | $ 71,000 | $ 47,000 |
| Nodaway County Missouri | 1 | $ 71,000 | $ 71,000 | $ 28,000 |
| Randolph County Missouri | 1 | $ 150,000 | $ 150,000 | $ 135,000 |
| Shelby County Missouri | 1 | $ 52,000 | $ 52,000 | $ 96,000 |
| Vernon County Missouri | 1 | $ 103,000 | $ 103,000 | $ 35,000 |
| Warren County Missouri | 1 | $ 90,000 | $ 90,000 | $ 51,000 |
| Sarpy County Nebraska | 1 | $ 106,000 | $ 106,000 | $ 78,000 |
| Buncombe County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 264,000 |
| Collin County Texas | 1 | $ 158,000 | $ 158,000 | $ 180,000 |
| Harris County Texas | 1 | $ 147,000 | $ 147,000 | $ 80,000 |
Mortgage Loan Application Detail Totals for Central Trust Bank in 2004
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 825 | $96,987,000 | $183,666 | $3,621,000 | $143,222 | $925,000 |
| Refinancing | 614 | $66,913,000 | $159,600 | $2,400,000 | $105,400 | $357,000 |
| Home Improvement | 131 | $6,579,000 | $40,000 | $300,000 | $45,000 | $804,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,413 | $148,023,000 | $182,000 | $2,400,000 | $135,100 | $925,000 |
| Not applicable | 60 | $13,139,000 | $218,000 | $3,621,000 | $0 | $0 |
| Not Provided | 43 | $4,052,000 | $137,333 | $256,000 | $93,333 | $167,000 |
| Black or African American | 30 | $2,403,000 | $91,500 | $208,000 | $48,000 | $117,000 |
| Hispanic | 10 | $735,000 | $107,500 | $150,000 | $94,500 | $139,000 |
| Asian | 9 | $1,641,000 | $182,000 | $434,000 | $120,000 | $234,000 |
| American Indian or Alaskan Native | 5 | $486,000 | $97,000 | $164,000 | $62,000 | $170,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,539 | $168,120,000 | $170,166 | $3,621,000 | $128,416 | $925,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $2,359,000 | $76,000 | $155,000 | $39,000 | $67,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,293 | $145,034,000 | $177,636 | $3,621,000 | $129,909 | $925,000 |
| Application Approved But Not Accepted | 155 | $15,443,000 | $135,000 | $344,000 | $125,000 | $273,000 |
| Application Denied By Financial Institution | 86 | $6,250,000 | $72,000 | $166,000 | $38,000 | $158,000 |
| Preapproval Approved but not Accepted | 27 | $3,108,000 | $115,000 | $230,000 | $59,000 | $114,000 |
| Application Withdrawn By Applicant | 9 | $644,000 | $71,000 | $155,000 | $52,000 | $147,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 54 | $4,488,000 | $83,000 | $166,000 | $42,000 | $158,000 |
| Debt-To-Income Ratio | 18 | $1,107,000 | $61,000 | $145,000 | $27,000 | $58,000 |
| Collateral | 10 | $478,000 | $47,000 | $111,000 | $47,000 | $77,000 |
| Employment History | 2 | $115,000 | $57,000 | $90,000 | $41,000 | $70,000 |
| Credit Application Incomplete | 1 | $57,000 | $57,000 | $57,000 | $42,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Trust Bank's 2004 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Central Trust Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.