The Central Trust Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
The Central Trust Bank 2018 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 | 1,551 |
| Total Mortgage Loan Application Amount | $345,715,000 |
| Average Mortgage Loan Application Amount | $149,500 |
| Highest Mortgage Loan Application Amount | $3,305,000 |
| Average Applicant Income | $88,833 |
| Highest Applicant Income | $1,528,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| 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 | 400 | $ 59,060,000 | $ 147,000 | $ 94,000 |
| El Paso County Colorado | 240 | $ 71,140,000 | $ 296,000 | $ 107,000 |
| Callaway County Missouri | 170 | $ 27,590,000 | $ 162,000 | $ 83,000 |
| Wake County North Carolina | 120 | $ 32,070,000 | $ 267,000 | $ 111,000 |
| La Plata County Colorado | 112 | $ 35,530,000 | $ 317,000 | $ 136,000 |
| Archuleta County Colorado | 72 | $ 16,890,000 | $ 234,000 | $ 145,000 |
| Boone County Missouri | 55 | $ 12,085,000 | $ 219,000 | $ 125,000 |
| Moniteau County Missouri | 32 | $ 3,380,000 | $ 105,000 | $ 68,000 |
| Camden County Missouri | 27 | $ 5,965,000 | $ 220,000 | $ 155,000 |
| Miller County Missouri | 24 | $ 3,870,000 | $ 161,000 | $ 72,000 |
| Durham County North Carolina | 21 | $ 4,275,000 | $ 203,000 | $ 100,000 |
| Osage County Missouri | 18 | $ 3,160,000 | $ 175,000 | $ 76,000 |
| Johnston County North Carolina | 16 | $ 3,290,000 | $ 205,000 | $ 82,000 |
| Cherokee County North Carolina | 14 | $ 2,280,000 | $ 162,000 | $ 74,000 |
| St. Louis County Missouri | 13 | $ 4,335,000 | $ 333,000 | $ 327,000 |
| Morgan County Missouri | 12 | $ 2,000,000 | $ 166,000 | $ 114,000 |
| Chatham County North Carolina | 9 | $ 3,135,000 | $ 348,000 | $ 118,000 |
| Pueblo County Colorado | 8 | $ 1,460,000 | $ 182,000 | $ 77,000 |
| Teller County Colorado | 7 | $ 3,275,000 | $ 467,000 | $ 201,000 |
| Johnson County Kansas | 7 | $ 3,485,000 | $ 497,000 | $ 264,000 |
| Jackson County Missouri | 6 | $ 1,200,000 | $ 200,000 | $ 177,000 |
| Douglas County Colorado | 5 | $ 2,115,000 | $ 423,000 | $ 154,000 |
| Montezuma County Colorado | 5 | $ 2,055,000 | $ 411,000 | $ 194,000 |
| Franklin County North Carolina | 5 | $ 1,115,000 | $ 223,000 | $ 120,000 |
| Harnett County North Carolina | 5 | $ 805,000 | $ 161,000 | $ 42,000 |
| Orange County North Carolina | 5 | $ 1,635,000 | $ 327,000 | $ 183,000 |
| Arapahoe County Colorado | 4 | $ 3,810,000 | $ 952,000 | $ 94,000 |
| Audrain County Missouri | 4 | $ 320,000 | $ 80,000 | $ 98,000 |
| Cooper County Missouri | 4 | $ 570,000 | $ 142,000 | $ 67,000 |
| Maries County Missouri | 4 | $ 640,000 | $ 160,000 | $ 92,000 |
| Forsyth County North Carolina | 4 | $ 730,000 | $ 182,000 | $ 51,000 |
| Lee County North Carolina | 4 | $ 700,000 | $ 175,000 | $ 108,000 |
| Lee County Florida | 3 | $ 855,000 | $ 285,000 | $ 572,000 |
| Orange County Florida | 3 | $ 625,000 | $ 208,000 | $ 162,000 |
| Crawford County Missouri | 3 | $ 375,000 | $ 125,000 | $ 57,000 |
| Greene County Missouri | 3 | $ 275,000 | $ 91,000 | $ 96,000 |
| Johnson County Missouri | 3 | $ 525,000 | $ 175,000 | $ 101,000 |
| St. Charles County Missouri | 3 | $ 535,000 | $ 178,000 | $ 85,000 |
| St. Louis City County Missouri | 3 | $ 75,000 | $ 25,000 | $ 0 |
| Maricopa County Arizona | 2 | $ 500,000 | $ 250,000 | $ 197,000 |
| Denver County Colorado | 2 | $ 1,180,000 | $ 590,000 | $ 137,000 |
| Gunnison County Colorado | 2 | $ 770,000 | $ 385,000 | $ 95,000 |
| Jefferson County Colorado | 2 | $ 530,000 | $ 265,000 | $ 80,000 |
| Cook County Illinois | 2 | $ 210,000 | $ 105,000 | $ 300,000 |
| Atchison County Missouri | 2 | $ 360,000 | $ 180,000 | $ 122,000 |
| Christian County Missouri | 2 | $ 250,000 | $ 125,000 | $ 75,000 |
| Clay County Missouri | 2 | $ 400,000 | $ 200,000 | $ 113,000 |
| Laclede County Missouri | 2 | $ 380,000 | $ 190,000 | $ 64,000 |
| Carteret County North Carolina | 2 | $ 250,000 | $ 125,000 | $ 51,000 |
| Granville County North Carolina | 2 | $ 610,000 | $ 305,000 | $ 89,000 |
| Guilford County North Carolina | 2 | $ 760,000 | $ 380,000 | $ 133,000 |
| Wilson County North Carolina | 2 | $ 160,000 | $ 80,000 | $ 63,000 |
| Clay County South Dakota | 2 | $ 370,000 | $ 185,000 | $ 112,000 |
| King County Washington | 2 | $ 710,000 | $ 355,000 | $ 302,000 |
| Kitsap County Washington | 2 | $ 470,000 | $ 235,000 | $ 45,000 |
| Madison County Alabama | 1 | $ 315,000 | $ 315,000 | $ 129,000 |
| Cochise County Arizona | 1 | $ 235,000 | $ 235,000 | $ 92,000 |
| Pima County Arizona | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Benton County Arkansas | 1 | $ 225,000 | $ 225,000 | $ 85,000 |
| Cleburne County Arkansas | 1 | $ 315,000 | $ 315,000 | $ 506,000 |
| Garland County Arkansas | 1 | $ 325,000 | $ 325,000 | $ 81,000 |
| Greene County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 40,000 |
| Sacramento County California | 1 | $ 505,000 | $ 505,000 | $ 124,000 |
| San Bernardino County California | 1 | $ 225,000 | $ 225,000 | $ 48,000 |
| San Luis Obispo County California | 1 | $ 535,000 | $ 535,000 | $ 247,000 |
| Adams County Colorado | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Boulder County Colorado | 1 | $ 895,000 | $ 895,000 | $ 0 |
| Chaffee County Colorado | 1 | $ 205,000 | $ 205,000 | $ 31,000 |
| Eagle County Colorado | 1 | $ 395,000 | $ 395,000 | $ 264,000 |
| Fremont County Colorado | 1 | $ 185,000 | $ 185,000 | $ 55,000 |
| Larimer County Colorado | 1 | $ 305,000 | $ 305,000 | $ 283,000 |
| Mesa County Colorado | 1 | $ 615,000 | $ 615,000 | $ 170,000 |
| Montrose County Colorado | 1 | $ 45,000 | $ 45,000 | $ 87,000 |
| Morgan County Colorado | 1 | $ 195,000 | $ 195,000 | $ 134,000 |
| Park County Colorado | 1 | $ 445,000 | $ 445,000 | $ 89,000 |
| Pitkin County Colorado | 1 | $ 3,305,000 | $ 3,305,000 | $ 0 |
| San Miguel County Colorado | 1 | $ 445,000 | $ 445,000 | $ 172,000 |
| Brevard County Florida | 1 | $ 325,000 | $ 325,000 | $ 90,000 |
| Okaloosa County Florida | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Pinellas County Florida | 1 | $ 265,000 | $ 265,000 | $ 49,000 |
| Cherokee County Georgia | 1 | $ 235,000 | $ 235,000 | $ 52,000 |
| Pickens County Georgia | 1 | $ 385,000 | $ 385,000 | $ 116,000 |
| Grundy County Illinois | 1 | $ 655,000 | $ 655,000 | $ 204,000 |
| Marion County Indiana | 1 | $ 145,000 | $ 145,000 | $ 92,000 |
| Shiawassee County Michigan | 1 | $ 65,000 | $ 65,000 | $ 100,000 |
| Barry County Missouri | 1 | $ 215,000 | $ 215,000 | $ 69,000 |
| Dunklin County Missouri | 1 | $ 35,000 | $ 35,000 | $ 23,000 |
| Gasconade County Missouri | 1 | $ 45,000 | $ 45,000 | $ 44,000 |
| Henry County Missouri | 1 | $ 65,000 | $ 65,000 | $ 49,000 |
| Lafayette County Missouri | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Pettis County Missouri | 1 | $ 55,000 | $ 55,000 | $ 43,000 |
| Phelps County Missouri | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Platte County Missouri | 1 | $ 425,000 | $ 425,000 | $ 130,000 |
| Putnam County Missouri | 1 | $ 175,000 | $ 175,000 | $ 185,000 |
| Randolph County Missouri | 1 | $ 115,000 | $ 115,000 | $ 43,000 |
| Taney County Missouri | 1 | $ 55,000 | $ 55,000 | $ 51,000 |
| Washoe County Nevada | 1 | $ 325,000 | $ 325,000 | $ 85,000 |
| San Juan County New Mexico | 1 | $ 135,000 | $ 135,000 | $ 265,000 |
| Alamance County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 51,000 |
| Buncombe County North Carolina | 1 | $ 425,000 | $ 425,000 | $ 185,000 |
| Clay County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 108,000 |
| Craven County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 114,000 |
| Mecklenburg County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 79,000 |
| Moore County North Carolina | 1 | $ 325,000 | $ 325,000 | $ 95,000 |
| Nash County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 41,000 |
| New Hanover County North Carolina | 1 | $ 325,000 | $ 325,000 | $ 185,000 |
| Richmond County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 58,000 |
| Portage County Ohio | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Washington County Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 57,000 |
| Horry County South Carolina | 1 | $ 115,000 | $ 115,000 | $ 134,000 |
| Bexar County Texas | 1 | $ 215,000 | $ 215,000 | $ 100,000 |
| Brazos County Texas | 1 | $ 405,000 | $ 405,000 | $ 225,000 |
| Comal County Texas | 1 | $ 445,000 | $ 445,000 | $ 220,000 |
| Erath County Texas | 1 | $ 125,000 | $ 125,000 | $ 41,000 |
| Galveston County Texas | 1 | $ 345,000 | $ 345,000 | $ 154,000 |
| Chesterfield County Virginia | 1 | $ 225,000 | $ 225,000 | $ 114,000 |
| Prince William County Virginia | 1 | $ 555,000 | $ 555,000 | $ 143,000 |
| Jefferson County Washington | 1 | $ 395,000 | $ 395,000 | $ 105,000 |
| Pierce County Washington | 1 | $ 205,000 | $ 205,000 | $ 96,000 |
| Thurston County Washington | 1 | $ 405,000 | $ 405,000 | $ 116,000 |
| Ozaukee County Wisconsin | 1 | $ 295,000 | $ 295,000 | $ 73,000 |
Mortgage Loan Application Detail Totals for The Central Trust Bank in 2018
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 | 1,173 | $269,455,000 | $229,000 | $3,305,000 | $109,000 | $1,528,000 |
| Refinancing | 182 | $40,880,000 | $224,000 | $1,415,000 | $130,000 | $939,000 |
| Cash-out Refinancing | 144 | $31,380,000 | $217,000 | $3,005,000 | $90,000 | $350,000 |
| Other Purpose | 34 | $2,660,000 | $78,000 | $305,000 | $91,000 | $416,000 |
| Home Improvement | 17 | $1,265,000 | $74,000 | $215,000 | $93,000 | $200,000 |
| Not Applicable | 1 | $75,000 | $75,000 | $75,000 | $20,000 | $20,000 |
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 | 1,243 | $272,875,000 | $219,000 | $3,005,000 | $110,000 | $1,528,000 |
| Not Provided | 134 | $32,260,000 | $240,000 | $1,415,000 | $111,000 | $923,000 |
| Not applicable | 51 | $12,235,000 | $239,000 | $3,305,000 | $20,000 | $20,000 |
| Hispanic | 49 | $11,905,000 | $242,000 | $615,000 | $100,000 | $378,000 |
| Black or African American | 37 | $7,615,000 | $205,000 | $755,000 | $78,000 | $240,000 |
| Asian | 18 | $4,360,000 | $242,000 | $455,000 | $159,000 | $600,000 |
| American Indian or Alaskan Native | 14 | $3,340,000 | $238,000 | $455,000 | $77,000 | $172,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $260,000 | $130,000 | $145,000 | $30,000 | $31,000 |
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) | 1,363 | $299,205,000 | $219,000 | $3,305,000 | $114,000 | $1,528,000 |
| VA-guaranteed (Veterans Administration) | 96 | $30,450,000 | $317,000 | $615,000 | $93,000 | $253,000 |
| FHA-insured (Federal Housing Administration) | 47 | $9,945,000 | $211,000 | $385,000 | $67,000 | $160,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 45 | $6,115,000 | $135,000 | $355,000 | $51,000 | $85,000 |
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 | 1,285 | $281,205,000 | $218,000 | $1,415,000 | $111,000 | $1,528,000 |
| Application Withdrawn By Applicant | 206 | $47,440,000 | $230,000 | $2,405,000 | $110,000 | $923,000 |
| Application Denied By Financial Institution | 55 | $13,105,000 | $238,000 | $3,005,000 | $66,000 | $170,000 |
| Application Approved But Not Accepted | 5 | $3,965,000 | $793,000 | $3,305,000 | $58,000 | $78,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,496 | $332,610,000 | $222,000 | $3,305,000 | $111,000 | $1,528,000 |
| Credit History | 21 | $2,475,000 | $117,000 | $355,000 | $55,000 | $118,000 |
| Debt-To-Income Ratio | 20 | $4,290,000 | $214,000 | $705,000 | $66,000 | $145,000 |
| Collateral | 6 | $630,000 | $105,000 | $215,000 | $64,000 | $170,000 |
| Other | 4 | $970,000 | $242,000 | $445,000 | $133,000 | $153,000 |
| Unverifiable Information | 2 | $3,140,000 | $1,570,000 | $3,005,000 | $40,000 | $40,000 |
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $130,000 | $130,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $1,525,000 | $1,525,000 | $1,525,000 | $0 | $0 |
| Mortgage Insurance Denied | 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 2018 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.