The Central Trust Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
The Central Trust Bank 2019 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 | 2,232 |
| Total Mortgage Loan Application Amount | $518,610,000 |
| Average Mortgage Loan Application Amount | $179,000 |
| Highest Mortgage Loan Application Amount | $2,935,000 |
| Average Applicant Income | $103,800 |
| Highest Applicant Income | $2,332,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 471 | $ 81,435,000 | $ 172,000 | $ 93,000 |
| El Paso County Colorado | 364 | $ 111,800,000 | $ 307,000 | $ 109,000 |
| Wake County North Carolina | 238 | $ 68,870,000 | $ 289,000 | $ 117,000 |
| Callaway County Missouri | 206 | $ 30,600,000 | $ 148,000 | $ 77,000 |
| La Plata County Colorado | 138 | $ 47,000,000 | $ 340,000 | $ 132,000 |
| Archuleta County Colorado | 79 | $ 21,665,000 | $ 274,000 | $ 110,000 |
| Boone County Missouri | 77 | $ 16,165,000 | $ 209,000 | $ 118,000 |
| Cherokee County North Carolina | 63 | $ 10,265,000 | $ 162,000 | $ 117,000 |
| Moniteau County Missouri | 54 | $ 7,720,000 | $ 142,000 | $ 81,000 |
| Durham County North Carolina | 33 | $ 7,965,000 | $ 241,000 | $ 115,000 |
| Miller County Missouri | 32 | $ 5,440,000 | $ 170,000 | $ 90,000 |
| Johnston County North Carolina | 28 | $ 5,640,000 | $ 201,000 | $ 82,000 |
| Jackson County Missouri | 26 | $ 4,260,000 | $ 163,000 | $ 159,000 |
| Camden County Missouri | 24 | $ 4,630,000 | $ 192,000 | $ 136,000 |
| Osage County Missouri | 20 | $ 2,690,000 | $ 134,000 | $ 77,000 |
| Clay County North Carolina | 17 | $ 3,095,000 | $ 182,000 | $ 72,000 |
| St. Louis County Missouri | 15 | $ 3,115,000 | $ 207,000 | $ 158,000 |
| Morgan County Missouri | 14 | $ 1,770,000 | $ 126,000 | $ 68,000 |
| Chatham County North Carolina | 14 | $ 4,860,000 | $ 347,000 | $ 113,000 |
| Denver County Colorado | 11 | $ 3,955,000 | $ 359,000 | $ 193,000 |
| Orange County North Carolina | 11 | $ 3,835,000 | $ 348,000 | $ 165,000 |
| Pueblo County Colorado | 10 | $ 1,780,000 | $ 178,000 | $ 86,000 |
| Teller County Colorado | 10 | $ 2,500,000 | $ 250,000 | $ 73,000 |
| Brunswick County North Carolina | 9 | $ 1,555,000 | $ 172,000 | $ 83,000 |
| Jefferson County Colorado | 8 | $ 2,110,000 | $ 263,000 | $ 83,000 |
| Greene County Missouri | 8 | $ 990,000 | $ 123,000 | $ 51,000 |
| Maricopa County Arizona | 7 | $ 3,355,000 | $ 479,000 | $ 471,000 |
| Arapahoe County Colorado | 7 | $ 2,375,000 | $ 339,000 | $ 111,000 |
| Guilford County North Carolina | 7 | $ 1,555,000 | $ 222,000 | $ 58,000 |
| Douglas County Colorado | 6 | $ 3,040,000 | $ 506,000 | $ 161,000 |
| Maries County Missouri | 6 | $ 1,410,000 | $ 235,000 | $ 82,000 |
| St. Charles County Missouri | 6 | $ 1,680,000 | $ 280,000 | $ 125,000 |
| Franklin County North Carolina | 6 | $ 1,550,000 | $ 258,000 | $ 99,000 |
| Granville County North Carolina | 6 | $ 1,510,000 | $ 251,000 | $ 112,000 |
| Union County Georgia | 5 | $ 1,005,000 | $ 201,000 | $ 60,000 |
| Johnson County Kansas | 5 | $ 1,445,000 | $ 289,000 | $ 114,000 |
| Randolph County North Carolina | 5 | $ 615,000 | $ 123,000 | $ 42,000 |
| Montezuma County Colorado | 4 | $ 850,000 | $ 212,000 | $ 72,000 |
| Weld County Colorado | 4 | $ 1,190,000 | $ 297,000 | $ 354,000 |
| Harnett County North Carolina | 4 | $ 570,000 | $ 142,000 | $ 37,000 |
| Adams County Colorado | 3 | $ 885,000 | $ 295,000 | $ 83,000 |
| Boulder County Colorado | 3 | $ 1,085,000 | $ 361,000 | $ 0 |
| Park County Colorado | 3 | $ 1,535,000 | $ 511,000 | $ 124,000 |
| Clay County Missouri | 3 | $ 525,000 | $ 175,000 | $ 130,000 |
| Crawford County Missouri | 3 | $ 365,000 | $ 121,000 | $ 59,000 |
| Gasconade County Missouri | 3 | $ 325,000 | $ 108,000 | $ 58,000 |
| Pettis County Missouri | 3 | $ 405,000 | $ 135,000 | $ 35,000 |
| Polk County Missouri | 3 | $ 545,000 | $ 181,000 | $ 80,000 |
| Clark County Nevada | 3 | $ 1,095,000 | $ 365,000 | $ 147,000 |
| Cumberland County North Carolina | 3 | $ 465,000 | $ 155,000 | $ 58,000 |
| Davidson County North Carolina | 3 | $ 415,000 | $ 138,000 | $ 40,000 |
| Macon County North Carolina | 3 | $ 465,000 | $ 155,000 | $ 55,000 |
| Mecklenburg County North Carolina | 3 | $ 815,000 | $ 271,000 | $ 72,000 |
| New Hanover County North Carolina | 3 | $ 605,000 | $ 201,000 | $ 85,000 |
| Polk County Tennessee | 3 | $ 425,000 | $ 141,000 | $ 55,000 |
| Navajo County Arizona | 2 | $ 210,000 | $ 105,000 | $ 44,000 |
| Benton County Arkansas | 2 | $ 480,000 | $ 240,000 | $ 246,000 |
| Faulkner County Arkansas | 2 | $ 690,000 | $ 345,000 | $ 112,000 |
| Elbert County Colorado | 2 | $ 770,000 | $ 385,000 | $ 85,000 |
| Mesa County Colorado | 2 | $ 800,000 | $ 400,000 | $ 79,000 |
| DeKalb County Georgia | 2 | $ 870,000 | $ 435,000 | $ 237,000 |
| Johnson County Indiana | 2 | $ 360,000 | $ 180,000 | $ 142,000 |
| Marion County Indiana | 2 | $ 360,000 | $ 180,000 | $ 183,000 |
| Cape Girardeau County Missouri | 2 | $ 930,000 | $ 465,000 | $ 200,000 |
| Christian County Missouri | 2 | $ 290,000 | $ 145,000 | $ 78,000 |
| Cooper County Missouri | 2 | $ 360,000 | $ 180,000 | $ 53,000 |
| Lincoln County Missouri | 2 | $ 410,000 | $ 205,000 | $ 85,000 |
| Phelps County Missouri | 2 | $ 410,000 | $ 205,000 | $ 55,000 |
| Platte County Missouri | 2 | $ 670,000 | $ 335,000 | $ 123,000 |
| San Juan County New Mexico | 2 | $ 270,000 | $ 135,000 | $ 46,000 |
| Alamance County North Carolina | 2 | $ 350,000 | $ 175,000 | $ 59,000 |
| Lee County North Carolina | 2 | $ 540,000 | $ 270,000 | $ 90,000 |
| Moore County North Carolina | 2 | $ 640,000 | $ 320,000 | $ 145,000 |
| Person County North Carolina | 2 | $ 290,000 | $ 145,000 | $ 93,000 |
| Rutherford County North Carolina | 2 | $ 320,000 | $ 160,000 | $ 235,000 |
| Cumberland County Virginia | 2 | $ 510,000 | $ 255,000 | $ 62,000 |
| Morgan County Alabama | 1 | $ 265,000 | $ 265,000 | $ 72,000 |
| Yavapai County Arizona | 1 | $ 115,000 | $ 115,000 | $ 24,000 |
| Cleburne County Arkansas | 1 | $ 215,000 | $ 215,000 | $ 150,000 |
| Lonoke County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 86,000 |
| Pulaski County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 97,000 |
| Saline County Arkansas | 1 | $ 135,000 | $ 135,000 | $ 78,000 |
| Riverside County California | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Chaffee County Colorado | 1 | $ 175,000 | $ 175,000 | $ 78,000 |
| Crowley County Colorado | 1 | $ 105,000 | $ 105,000 | $ 47,000 |
| Eagle County Colorado | 1 | $ 485,000 | $ 485,000 | $ 367,000 |
| Fremont County Colorado | 1 | $ 145,000 | $ 145,000 | $ 71,000 |
| Routt County Colorado | 1 | $ 355,000 | $ 355,000 | $ 167,000 |
| San Juan County Colorado | 1 | $ 205,000 | $ 205,000 | $ 346,000 |
| Bay County Florida | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Hillsborough County Florida | 1 | $ 125,000 | $ 125,000 | $ 27,000 |
| Lee County Florida | 1 | $ 1,125,000 | $ 1,125,000 | $ 1,355,000 |
| Manatee County Florida | 1 | $ 285,000 | $ 285,000 | $ 85,000 |
| Miami-Dade County Florida | 1 | $ 385,000 | $ 385,000 | $ 120,000 |
| Okaloosa County Florida | 1 | $ 175,000 | $ 175,000 | $ 38,000 |
| Orange County Florida | 1 | $ 205,000 | $ 205,000 | $ 48,000 |
| Santa Rosa County Florida | 1 | $ 155,000 | $ 155,000 | $ 41,000 |
| St. Johns County Florida | 1 | $ 255,000 | $ 255,000 | $ 128,000 |
| Taylor County Florida | 1 | $ 275,000 | $ 275,000 | $ 86,000 |
| Volusia County Florida | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Clayton County Georgia | 1 | $ 115,000 | $ 115,000 | $ 47,000 |
| Dade County Georgia | 1 | $ 115,000 | $ 115,000 | $ 54,000 |
| Effingham County Georgia | 1 | $ 175,000 | $ 175,000 | $ 73,000 |
| Fannin County Georgia | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Fayette County Georgia | 1 | $ 145,000 | $ 145,000 | $ 32,000 |
| Power County Idaho | 1 | $ 185,000 | $ 185,000 | $ 84,000 |
| Floyd County Indiana | 1 | $ 265,000 | $ 265,000 | $ 83,000 |
| LaPorte County Indiana | 1 | $ 85,000 | $ 85,000 | $ 0 |
| St. Joseph County Indiana | 1 | $ 165,000 | $ 165,000 | $ 49,000 |
| Linn County Iowa | 1 | $ 245,000 | $ 245,000 | $ 145,000 |
| Marshall County Iowa | 1 | $ 85,000 | $ 85,000 | $ 126,000 |
| Washington County Iowa | 1 | $ 275,000 | $ 275,000 | $ 253,000 |
| Arenac County Michigan | 1 | $ 55,000 | $ 55,000 | $ 82,000 |
| Wayne County Michigan | 1 | $ 25,000 | $ 25,000 | $ 102,000 |
| Adair County Missouri | 1 | $ 265,000 | $ 265,000 | $ 331,000 |
| Atchison County Missouri | 1 | $ 235,000 | $ 235,000 | $ 110,000 |
| Audrain County Missouri | 1 | $ 205,000 | $ 205,000 | $ 127,000 |
| Jefferson County Missouri | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Laclede County Missouri | 1 | $ 235,000 | $ 235,000 | $ 183,000 |
| Lafayette County Missouri | 1 | $ 165,000 | $ 165,000 | $ 74,000 |
| Lawrence County Missouri | 1 | $ 155,000 | $ 155,000 | $ 61,000 |
| Pike County Missouri | 1 | $ 85,000 | $ 85,000 | $ 46,000 |
| Ray County Missouri | 1 | $ 165,000 | $ 165,000 | $ 88,000 |
| Scott County Missouri | 1 | $ 115,000 | $ 115,000 | $ 67,000 |
| St. Louis City County Missouri | 1 | $ 105,000 | $ 105,000 | $ 46,000 |
| Taney County Missouri | 1 | $ 285,000 | $ 285,000 | $ 86,000 |
| Texas County Missouri | 1 | $ 105,000 | $ 105,000 | $ 28,000 |
| Webster County Missouri | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Gallatin County Montana | 1 | $ 715,000 | $ 715,000 | $ 347,000 |
| Jefferson County Montana | 1 | $ 365,000 | $ 365,000 | $ 93,000 |
| Yellowstone County Montana | 1 | $ 165,000 | $ 165,000 | $ 90,000 |
| Douglas County Nebraska | 1 | $ 275,000 | $ 275,000 | $ 187,000 |
| Scotts Bluff County Nebraska | 1 | $ 115,000 | $ 115,000 | $ 61,000 |
| Richmond County New York | 1 | $ 345,000 | $ 345,000 | $ 100,000 |
| Alexander County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 97,000 |
| Avery County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 22,000 |
| Burke County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| Caswell County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 75,000 |
| Dare County North Carolina | 1 | $ 335,000 | $ 335,000 | $ 161,000 |
| Jackson County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 60,000 |
| Swain County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 110,000 |
| Wayne County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 63,000 |
| Cuyahoga County Ohio | 1 | $ 225,000 | $ 225,000 | $ 197,000 |
| Jackson County Oregon | 1 | $ 225,000 | $ 225,000 | $ 44,000 |
| Multnomah County Oregon | 1 | $ 275,000 | $ 275,000 | $ 61,000 |
| Allegheny County Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 37,000 |
| Cumberland County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 30,000 |
| Greenville County South Carolina | 1 | $ 255,000 | $ 255,000 | $ 149,000 |
| Horry County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 425,000 |
| Gibson County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| Comal County Texas | 1 | $ 705,000 | $ 705,000 | $ 254,000 |
| Kendall County Texas | 1 | $ 305,000 | $ 305,000 | $ 121,000 |
| Chittenden County Vermont | 1 | $ 355,000 | $ 355,000 | $ 170,000 |
| Lamoille County Vermont | 1 | $ 105,000 | $ 105,000 | $ 93,000 |
| Chesterfield County Virginia | 1 | $ 335,000 | $ 335,000 | $ 66,000 |
| Mecklenburg County Virginia | 1 | $ 345,000 | $ 345,000 | $ 98,000 |
| Pittsylvania County Virginia | 1 | $ 85,000 | $ 85,000 | $ 58,000 |
| Prince William County Virginia | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Clallam County Washington | 1 | $ 475,000 | $ 475,000 | $ 181,000 |
| King County Washington | 1 | $ 535,000 | $ 535,000 | $ 169,000 |
| Lafayette County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 94,000 |
| Ozaukee County Wisconsin | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Carbon County Wyoming | 1 | $ 365,000 | $ 365,000 | $ 404,000 |
Mortgage Loan Application Detail Totals for The Central Trust Bank in 2019
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 | 1,512 | $360,300,000 | $238,000 | $2,935,000 | $105,000 | $2,332,000 |
| Refinancing | 439 | $107,685,000 | $245,000 | $1,485,000 | $117,000 | $1,800,000 |
| Cash-out Refinancing | 229 | $44,485,000 | $194,000 | $885,000 | $93,000 | $1,355,000 |
| Other Purpose | 33 | $4,645,000 | $140,000 | $485,000 | $109,000 | $782,000 |
| Home Improvement | 19 | $1,495,000 | $78,000 | $275,000 | $95,000 | $255,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,846 | $424,920,000 | $230,000 | $2,555,000 | $107,000 | $2,332,000 |
| Not Provided | 131 | $32,545,000 | $248,000 | $595,000 | $103,000 | $425,000 |
| Hispanic | 74 | $17,380,000 | $234,000 | $705,000 | $80,000 | $402,000 |
| Black or African American | 72 | $15,720,000 | $218,000 | $755,000 | $86,000 | $325,000 |
| Not applicable | 52 | $12,220,000 | $235,000 | $2,935,000 | $0 | $0 |
| Asian | 32 | $9,150,000 | $285,000 | $855,000 | $147,000 | $524,000 |
| American Indian or Alaskan Native | 14 | $3,270,000 | $233,000 | $445,000 | $90,000 | $190,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $440,000 | $220,000 | $255,000 | $53,000 | $75,000 |
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) | 1,891 | $431,325,000 | $228,000 | $2,935,000 | $112,000 | $2,332,000 |
| VA-guaranteed (Veterans Administration) | 160 | $50,910,000 | $318,000 | $885,000 | $92,000 | $589,000 |
| FHA-insured (Federal Housing Administration) | 132 | $28,780,000 | $218,000 | $415,000 | $68,000 | $242,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 49 | $7,595,000 | $155,000 | $345,000 | $53,000 | $92,000 |
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 | 1,867 | $439,575,000 | $235,000 | $2,935,000 | $108,000 | $2,332,000 |
| Application Withdrawn By Applicant | 295 | $67,415,000 | $228,000 | $1,525,000 | $104,000 | $546,000 |
| Application Denied By Financial Institution | 60 | $9,150,000 | $152,000 | $385,000 | $60,000 | $258,000 |
| Application Approved But Not Accepted | 7 | $2,095,000 | $299,000 | $705,000 | $108,000 | $143,000 |
| File Closed For Incompleteness | 2 | $280,000 | $140,000 | $165,000 | $55,000 | $85,000 |
| Loan Purchased By The Institution | 1 | $95,000 | $95,000 | $95,000 | $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 | 2,172 | $509,460,000 | $234,000 | $2,935,000 | $108,000 | $2,332,000 |
| Credit History | 25 | $3,265,000 | $130,000 | $385,000 | $63,000 | $145,000 |
| Debt-To-Income Ratio | 20 | $4,090,000 | $204,000 | $365,000 | $41,000 | $86,000 |
| Collateral | 10 | $960,000 | $96,000 | $225,000 | $74,000 | $258,000 |
| Other | 5 | $835,000 | $167,000 | $375,000 | $91,000 | $133,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Central Trust Bank's 2019 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.
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with aggregated HMDA statistics today.