Central Trust Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Central Trust Bank 2009 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 | 2,581 |
| Total Mortgage Loan Application Amount | $336,593,000 |
| Average Mortgage Loan Application Amount | $97,666 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $71,000 |
| Highest Applicant Income | $1,131,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 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 2009 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 2009.
| 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 | 1,208 | $ 167,811,000 | $ 138,000 | $ 79,000 |
| Callaway County Missouri | 610 | $ 72,094,000 | $ 118,000 | $ 66,000 |
| Moniteau County Missouri | 224 | $ 23,769,000 | $ 106,000 | $ 58,000 |
| Boone County Missouri | 128 | $ 19,281,000 | $ 150,000 | $ 108,000 |
| Miller County Missouri | 112 | $ 11,798,000 | $ 105,000 | $ 59,000 |
| Osage County Missouri | 51 | $ 6,747,000 | $ 132,000 | $ 63,000 |
| Camden County Missouri | 40 | $ 6,853,000 | $ 171,000 | $ 140,000 |
| Morgan County Missouri | 36 | $ 4,177,000 | $ 116,000 | $ 98,000 |
| Cooper County Missouri | 24 | $ 2,811,000 | $ 117,000 | $ 73,000 |
| Maries County Missouri | 15 | $ 2,078,000 | $ 138,000 | $ 81,000 |
| Pulaski County Missouri | 13 | $ 1,252,000 | $ 96,000 | $ 106,000 |
| St. Charles County Missouri | 9 | $ 1,819,000 | $ 202,000 | $ 88,000 |
| St. Louis County Missouri | 8 | $ 1,562,000 | $ 195,000 | $ 101,000 |
| Jackson County Missouri | 7 | $ 1,062,000 | $ 151,000 | $ 94,000 |
| Pettis County Missouri | 6 | $ 632,000 | $ 105,000 | $ 72,000 |
| St. Louis City County Missouri | 6 | $ 902,000 | $ 150,000 | $ 166,000 |
| Johnson County Kansas | 5 | $ 1,212,000 | $ 242,000 | $ 311,000 |
| Lee County Florida | 4 | $ 557,000 | $ 139,000 | $ 47,000 |
| Greene County Missouri | 4 | $ 518,000 | $ 129,000 | $ 58,000 |
| Christian County Missouri | 3 | $ 536,000 | $ 178,000 | $ 54,000 |
| Gasconade County Missouri | 3 | $ 390,000 | $ 130,000 | $ 71,000 |
| Montgomery County Missouri | 3 | $ 251,000 | $ 83,000 | $ 58,000 |
| Phelps County Missouri | 3 | $ 251,000 | $ 83,000 | $ 83,000 |
| Ste. Genevieve County Missouri | 3 | $ 65,000 | $ 21,000 | $ 45,000 |
| Baldwin County Alabama | 2 | $ 256,000 | $ 128,000 | $ 111,000 |
| Los Angeles County California | 2 | $ 586,000 | $ 293,000 | $ 60,000 |
| Denver County Colorado | 2 | $ 242,000 | $ 121,000 | $ 43,000 |
| Monroe County Illinois | 2 | $ 262,000 | $ 131,000 | $ 148,000 |
| Livingston County Michigan | 2 | $ 675,000 | $ 337,000 | $ 620,000 |
| Audrain County Missouri | 2 | $ 253,000 | $ 126,000 | $ 96,000 |
| Benton County Missouri | 2 | $ 251,000 | $ 125,000 | $ 110,000 |
| Butler County Missouri | 2 | $ 351,000 | $ 175,000 | $ 345,000 |
| Ralls County Missouri | 2 | $ 143,000 | $ 71,000 | $ 90,000 |
| Randolph County Missouri | 2 | $ 292,000 | $ 146,000 | $ 69,000 |
| Saline County Missouri | 2 | $ 220,000 | $ 110,000 | $ 70,000 |
| Taney County Missouri | 2 | $ 269,000 | $ 134,000 | $ 68,000 |
| Warren County Missouri | 2 | $ 223,000 | $ 111,000 | $ 76,000 |
| Maricopa County Arizona | 1 | $ 247,000 | $ 247,000 | $ 96,000 |
| Washington County Arkansas | 1 | $ 74,000 | $ 74,000 | $ 59,000 |
| District of Columbia County District Of Columbia | 1 | $ 417,000 | $ 417,000 | $ 260,000 |
| Cook County Illinois | 1 | $ 198,000 | $ 198,000 | $ 60,000 |
| St. Clair County Illinois | 1 | $ 28,000 | $ 28,000 | $ 68,000 |
| Whitley County Indiana | 1 | $ 100,000 | $ 100,000 | $ 125,000 |
| Montgomery County Iowa | 1 | $ 143,000 | $ 143,000 | $ 63,000 |
| Marshall County Kansas | 1 | $ 90,000 | $ 90,000 | $ 53,000 |
| Sedgwick County Kansas | 1 | $ 149,000 | $ 149,000 | $ 64,000 |
| Wyandotte County Kansas | 1 | $ 68,000 | $ 68,000 | $ 325,000 |
| Adair County Missouri | 1 | $ 242,000 | $ 242,000 | $ 264,000 |
| Bates County Missouri | 1 | $ 224,000 | $ 224,000 | $ 105,000 |
| Buchanan County Missouri | 1 | $ 35,000 | $ 35,000 | $ 39,000 |
| Cape Girardeau County Missouri | 1 | $ 320,000 | $ 320,000 | $ 480,000 |
| Clay County Missouri | 1 | $ 50,000 | $ 50,000 | $ 132,000 |
| Crawford County Missouri | 1 | $ 126,000 | $ 126,000 | $ 111,000 |
| Franklin County Missouri | 1 | $ 185,000 | $ 185,000 | $ 85,000 |
| Henry County Missouri | 1 | $ 52,000 | $ 52,000 | $ 19,000 |
| Howard County Missouri | 1 | $ 60,000 | $ 60,000 | $ 35,000 |
| Jefferson County Missouri | 1 | $ 187,000 | $ 187,000 | $ 139,000 |
| Johnson County Missouri | 1 | $ 107,000 | $ 107,000 | $ 44,000 |
| Lafayette County Missouri | 1 | $ 95,000 | $ 95,000 | $ 36,000 |
| Webster County Missouri | 1 | $ 163,000 | $ 163,000 | $ 57,000 |
| Sarpy County Nebraska | 1 | $ 102,000 | $ 102,000 | $ 54,000 |
| Clark County Nevada | 1 | $ 103,000 | $ 103,000 | $ 103,000 |
| Onondaga County New York | 1 | $ 123,000 | $ 123,000 | $ 51,000 |
| Tulsa County Oklahoma | 1 | $ 189,000 | $ 189,000 | $ 130,000 |
| Bell County Texas | 1 | $ 56,000 | $ 56,000 | $ 97,000 |
| Kerr County Texas | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Williamson County Texas | 1 | $ 194,000 | $ 194,000 | $ 136,000 |
Mortgage Loan Application Detail Totals for Central Trust Bank in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,856 | $256,764,000 | $138,000 | $1,000,000 | $82,000 | $1,131,000 |
| Home Purchase | 615 | $76,367,000 | $124,000 | $1,000,000 | $66,000 | $620,000 |
| Home Improvement | 110 | $3,462,000 | $31,000 | $232,000 | $65,000 | $438,000 |
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 | 2,365 | $309,501,000 | $130,000 | $1,000,000 | $78,000 | $634,000 |
| Not Provided | 109 | $14,315,000 | $131,000 | $1,000,000 | $85,000 | $1,131,000 |
| Black or African American | 34 | $3,855,000 | $113,000 | $208,000 | $63,000 | $148,000 |
| Hispanic | 21 | $1,754,000 | $83,000 | $319,000 | $52,000 | $121,000 |
| Not applicable | 21 | $2,917,000 | $138,000 | $398,000 | $0 | $0 |
| Asian | 17 | $2,758,000 | $162,000 | $315,000 | $140,000 | $375,000 |
| American Indian or Alaskan Native | 10 | $1,094,000 | $109,000 | $190,000 | $55,000 | $151,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $399,000 | $99,000 | $153,000 | $35,000 | $58,000 |
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) | 2,421 | $318,893,000 | $131,000 | $1,000,000 | $79,000 | $1,131,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 130 | $13,707,000 | $105,000 | $189,000 | $43,000 | $85,000 |
| FHA-insured (Federal Housing Administration) | 29 | $3,756,000 | $129,000 | $226,000 | $63,000 | $112,000 |
| VA-guaranteed (Veterans Administration) | 1 | $237,000 | $237,000 | $237,000 | $114,000 | $114,000 |
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 | 1,943 | $253,710,000 | $130,000 | $1,000,000 | $79,000 | $634,000 |
| Application Approved But Not Accepted | 508 | $67,995,000 | $133,000 | $417,000 | $73,000 | $622,000 |
| Application Denied By Financial Institution | 121 | $13,416,000 | $110,000 | $1,000,000 | $58,000 | $1,131,000 |
| Application Withdrawn By Applicant | 9 | $1,472,000 | $163,000 | $320,000 | $105,000 | $305,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 | 76 | $6,911,000 | $90,000 | $270,000 | $47,000 | $153,000 |
| Debt-To-Income Ratio | 27 | $4,397,000 | $162,000 | $1,000,000 | $84,000 | $1,131,000 |
| Collateral | 7 | $614,000 | $87,000 | $168,000 | $70,000 | $158,000 |
| Other | 6 | $903,000 | $150,000 | $320,000 | $103,000 | $480,000 |
| Employment History | 4 | $528,000 | $132,000 | $215,000 | $22,000 | $38,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $63,000 | $63,000 | $63,000 | $47,000 | $47,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Trust Bank's 2009 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.