The Central Trust Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
The Central Trust Bank 2014 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 | The Central Trust Bank 238 Madison St. Jefferson City, MO 65101 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 906 |
| Total Mortgage Loan Application Amount | $106,980,000 |
| Average Mortgage Loan Application Amount | $106,333 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $76,333 |
| Highest Applicant Income | $1,055,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 with The 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 The Central Trust Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2014 breaks down The 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 The Central Trust Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by The 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 The Central Trust Bank's mortgage activity for 2014.
| 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 | 439 | $ 55,285,000 | $ 125,000 | $ 81,000 |
| Callaway County Missouri | 210 | $ 20,568,000 | $ 97,000 | $ 66,000 |
| Moniteau County Missouri | 83 | $ 6,911,000 | $ 83,000 | $ 59,000 |
| Miller County Missouri | 38 | $ 2,797,000 | $ 73,000 | $ 56,000 |
| Boone County Missouri | 33 | $ 6,005,000 | $ 181,000 | $ 84,000 |
| Osage County Missouri | 14 | $ 1,395,000 | $ 99,000 | $ 58,000 |
| Morgan County Missouri | 12 | $ 1,551,000 | $ 129,000 | $ 96,000 |
| Camden County Missouri | 9 | $ 1,612,000 | $ 179,000 | $ 131,000 |
| Maries County Missouri | 7 | $ 851,000 | $ 121,000 | $ 72,000 |
| Crawford County Missouri | 5 | $ 325,000 | $ 65,000 | $ 34,000 |
| St. Louis County Missouri | 5 | $ 874,000 | $ 174,000 | $ 94,000 |
| St. Louis City County Missouri | 5 | $ 252,000 | $ 50,000 | $ 55,000 |
| Franklin County Missouri | 4 | $ 1,015,000 | $ 253,000 | $ 87,000 |
| Clay County Missouri | 3 | $ 860,000 | $ 286,000 | $ 100,000 |
| Johnson County Iowa | 2 | $ 730,000 | $ 365,000 | $ 121,000 |
| Johnson County Kansas | 2 | $ 521,000 | $ 260,000 | $ 238,000 |
| Gasconade County Missouri | 2 | $ 424,000 | $ 212,000 | $ 544,000 |
| Howard County Missouri | 2 | $ 214,000 | $ 107,000 | $ 17,000 |
| Jefferson County Missouri | 2 | $ 239,000 | $ 119,000 | $ 120,000 |
| Laclede County Missouri | 2 | $ 217,000 | $ 108,000 | $ 36,000 |
| Pettis County Missouri | 2 | $ 305,000 | $ 152,000 | $ 307,000 |
| St. Charles County Missouri | 2 | $ 283,000 | $ 141,000 | $ 140,000 |
| Baldwin County Alabama | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Saline County Arkansas | 1 | $ 70,000 | $ 70,000 | $ 47,000 |
| Larimer County Colorado | 1 | $ 268,000 | $ 268,000 | $ 221,000 |
| Hillsborough County Florida | 1 | $ 285,000 | $ 285,000 | $ 203,000 |
| Black Hawk County Iowa | 1 | $ 326,000 | $ 326,000 | $ 122,000 |
| Adair County Missouri | 1 | $ 45,000 | $ 45,000 | $ 300,000 |
| Audrain County Missouri | 1 | $ 98,000 | $ 98,000 | $ 54,000 |
| Buchanan County Missouri | 1 | $ 157,000 | $ 157,000 | $ 129,000 |
| Clinton County Missouri | 1 | $ 108,000 | $ 108,000 | $ 52,000 |
| Cooper County Missouri | 1 | $ 41,000 | $ 41,000 | $ 10,000 |
| Henry County Missouri | 1 | $ 60,000 | $ 60,000 | $ 83,000 |
| Jackson County Missouri | 1 | $ 10,000 | $ 10,000 | $ 128,000 |
| Johnson County Missouri | 1 | $ 40,000 | $ 40,000 | $ 150,000 |
| Monroe County Missouri | 1 | $ 28,000 | $ 28,000 | $ 48,000 |
| Nodaway County Missouri | 1 | $ 182,000 | $ 182,000 | $ 179,000 |
| Phelps County Missouri | 1 | $ 1,200,000 | $ 1,200,000 | $ 0 |
| Pulaski County Missouri | 1 | $ 45,000 | $ 45,000 | $ 77,000 |
| Randolph County Missouri | 1 | $ 21,000 | $ 21,000 | $ 78,000 |
| Stone County Missouri | 1 | $ 98,000 | $ 98,000 | $ 110,000 |
| Taney County Missouri | 1 | $ 109,000 | $ 109,000 | $ 76,000 |
| Flathead County Montana | 1 | $ 90,000 | $ 90,000 | $ 175,000 |
| Lucas County Ohio | 1 | $ 109,000 | $ 109,000 | $ 386,000 |
| Brown County Wisconsin | 1 | $ 156,000 | $ 156,000 | $ 64,000 |
Mortgage Loan Application Detail Totals for The Central Trust Bank in 2014
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 | 472 | $66,996,000 | $141,000 | $1,200,000 | $80,000 | $1,055,000 |
| Refinancing | 235 | $28,125,000 | $119,000 | $902,000 | $82,000 | $655,000 |
| Home Improvement | 199 | $11,859,000 | $59,000 | $594,000 | $67,000 | $560,000 |
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 | 790 | $91,498,000 | $115,000 | $960,000 | $79,000 | $1,055,000 |
| Not Provided | 38 | $5,371,000 | $141,000 | $417,000 | $104,000 | $400,000 |
| Not applicable | 33 | $6,062,000 | $183,000 | $1,200,000 | $0 | $0 |
| Black or African American | 23 | $2,016,000 | $87,000 | $228,000 | $70,000 | $183,000 |
| Hispanic | 13 | $797,000 | $61,000 | $141,000 | $58,000 | $235,000 |
| Asian | 6 | $811,000 | $135,000 | $169,000 | $157,000 | $386,000 |
| American Indian or Alaskan Native | 3 | $425,000 | $141,000 | $231,000 | $59,000 | $115,000 |
| 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) | 850 | $100,916,000 | $118,000 | $1,200,000 | $80,000 | $1,055,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 56 | $6,064,000 | $108,000 | $255,000 | $43,000 | $84,000 |
| 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 | 669 | $80,233,000 | $119,000 | $1,200,000 | $80,000 | $1,055,000 |
| Application Denied By Financial Institution | 100 | $9,202,000 | $92,000 | $417,000 | $55,000 | $234,000 |
| Application Approved But Not Accepted | 91 | $11,701,000 | $128,000 | $417,000 | $84,000 | $412,000 |
| Application Withdrawn By Applicant | 44 | $5,689,000 | $129,000 | $513,000 | $85,000 | $560,000 |
| File Closed For Incompleteness | 2 | $155,000 | $77,000 | $135,000 | $47,000 | $52,000 |
| 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 | 44 | $3,958,000 | $89,000 | $365,000 | $58,000 | $175,000 |
| Debt-To-Income Ratio | 34 | $3,423,000 | $100,000 | $417,000 | $47,000 | $234,000 |
| Collateral | 19 | $1,544,000 | $81,000 | $185,000 | $64,000 | $157,000 |
| Mortgage Insurance Denied | 1 | $145,000 | $145,000 | $145,000 | $74,000 | $74,000 |
| Other | 1 | $59,000 | $59,000 | $59,000 | $20,000 | $20,000 |
| Employment History | 1 | $73,000 | $73,000 | $73,000 | $31,000 | $31,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 The Central Trust Bank's 2014 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 The 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.