The Central Trust Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
The Central Trust Bank 2020 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 | 4,312 |
| Total Mortgage Loan Application Amount | $1,094,700,000 |
| Average Mortgage Loan Application Amount | $240,600 |
| Highest Mortgage Loan Application Amount | $2,185,000 |
| Average Applicant Income | $115,400 |
| Highest Applicant Income | $2,184,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 889 | $ 166,935,000 | $ 187,000 | $ 95,000 |
| El Paso County Colorado | 582 | $ 190,560,000 | $ 327,000 | $ 109,000 |
| Wake County North Carolina | 508 | $ 152,820,000 | $ 300,000 | $ 127,000 |
| Callaway County Missouri | 397 | $ 67,155,000 | $ 169,000 | $ 83,000 |
| La Plata County Colorado | 263 | $ 90,775,000 | $ 345,000 | $ 141,000 |
| Archuleta County Colorado | 148 | $ 43,740,000 | $ 295,000 | $ 123,000 |
| Boone County Missouri | 122 | $ 30,620,000 | $ 250,000 | $ 121,000 |
| Moniteau County Missouri | 94 | $ 15,380,000 | $ 163,000 | $ 75,000 |
| Cherokee County North Carolina | 79 | $ 16,075,000 | $ 203,000 | $ 92,000 |
| Miller County Missouri | 78 | $ 12,970,000 | $ 166,000 | $ 80,000 |
| Durham County North Carolina | 62 | $ 16,080,000 | $ 259,000 | $ 118,000 |
| Johnston County North Carolina | 50 | $ 12,560,000 | $ 251,000 | $ 81,000 |
| Camden County Missouri | 49 | $ 14,395,000 | $ 293,000 | $ 157,000 |
| Fremont County Colorado | 42 | $ 10,700,000 | $ 254,000 | $ 86,000 |
| Osage County Missouri | 34 | $ 5,330,000 | $ 156,000 | $ 82,000 |
| Jackson County Missouri | 31 | $ 6,185,000 | $ 199,000 | $ 100,000 |
| St. Louis County Missouri | 31 | $ 8,805,000 | $ 284,000 | $ 217,000 |
| Jefferson County Colorado | 26 | $ 8,850,000 | $ 340,000 | $ 105,000 |
| Mesa County Colorado | 25 | $ 6,505,000 | $ 260,000 | $ 68,000 |
| Arapahoe County Colorado | 22 | $ 7,240,000 | $ 329,000 | $ 94,000 |
| Morgan County Missouri | 19 | $ 3,135,000 | $ 165,000 | $ 98,000 |
| Orange County North Carolina | 19 | $ 5,685,000 | $ 299,000 | $ 130,000 |
| Denver County Colorado | 18 | $ 6,020,000 | $ 334,000 | $ 139,000 |
| Teller County Colorado | 18 | $ 4,730,000 | $ 262,000 | $ 87,000 |
| Clay County North Carolina | 17 | $ 4,455,000 | $ 262,000 | $ 125,000 |
| Pueblo County Colorado | 16 | $ 3,450,000 | $ 215,000 | $ 84,000 |
| Douglas County Colorado | 15 | $ 6,065,000 | $ 404,000 | $ 248,000 |
| Brunswick County North Carolina | 15 | $ 4,775,000 | $ 318,000 | $ 207,000 |
| Chatham County North Carolina | 15 | $ 5,475,000 | $ 365,000 | $ 118,000 |
| Guilford County North Carolina | 14 | $ 3,460,000 | $ 247,000 | $ 135,000 |
| Harnett County North Carolina | 14 | $ 2,210,000 | $ 157,000 | $ 69,000 |
| Adams County Colorado | 13 | $ 4,375,000 | $ 336,000 | $ 121,000 |
| Johnson County Kansas | 13 | $ 4,195,000 | $ 322,000 | $ 119,000 |
| St. Charles County Missouri | 12 | $ 2,590,000 | $ 215,000 | $ 120,000 |
| Franklin County North Carolina | 11 | $ 3,295,000 | $ 299,000 | $ 114,000 |
| Granville County North Carolina | 10 | $ 2,400,000 | $ 240,000 | $ 110,000 |
| Clay County Missouri | 9 | $ 2,295,000 | $ 255,000 | $ 205,000 |
| Alamance County North Carolina | 9 | $ 2,265,000 | $ 251,000 | $ 100,000 |
| Maricopa County Arizona | 8 | $ 2,310,000 | $ 288,000 | $ 120,000 |
| Audrain County Missouri | 8 | $ 950,000 | $ 118,000 | $ 63,000 |
| Weld County Colorado | 7 | $ 2,125,000 | $ 303,000 | $ 67,000 |
| Crawford County Missouri | 7 | $ 865,000 | $ 123,000 | $ 52,000 |
| Collin County Texas | 7 | $ 3,035,000 | $ 433,000 | $ 129,000 |
| Los Angeles County California | 6 | $ 2,490,000 | $ 415,000 | $ 136,000 |
| Montezuma County Colorado | 6 | $ 2,000,000 | $ 333,000 | $ 134,000 |
| Orange County Florida | 6 | $ 1,820,000 | $ 303,000 | $ 175,000 |
| Cooper County Missouri | 6 | $ 790,000 | $ 131,000 | $ 61,000 |
| Clark County Nevada | 6 | $ 1,990,000 | $ 331,000 | $ 188,000 |
| Moore County North Carolina | 6 | $ 1,110,000 | $ 185,000 | $ 102,000 |
| San Diego County California | 5 | $ 2,005,000 | $ 401,000 | $ 180,000 |
| San Juan County Colorado | 5 | $ 1,515,000 | $ 303,000 | $ 241,000 |
| Gasconade County Missouri | 5 | $ 585,000 | $ 117,000 | $ 56,000 |
| Greene County Missouri | 5 | $ 1,065,000 | $ 213,000 | $ 123,000 |
| Platte County Missouri | 5 | $ 1,565,000 | $ 313,000 | $ 112,000 |
| Williamson County Tennessee | 5 | $ 2,215,000 | $ 443,000 | $ 121,000 |
| Harris County Texas | 5 | $ 1,305,000 | $ 261,000 | $ 144,000 |
| Custer County Colorado | 4 | $ 1,290,000 | $ 322,000 | $ 172,000 |
| Park County Colorado | 4 | $ 1,460,000 | $ 365,000 | $ 120,000 |
| Union County Georgia | 4 | $ 1,030,000 | $ 257,000 | $ 60,000 |
| Hennepin County Minnesota | 4 | $ 1,500,000 | $ 375,000 | $ 198,000 |
| Christian County Missouri | 4 | $ 770,000 | $ 192,000 | $ 100,000 |
| Maries County Missouri | 4 | $ 1,030,000 | $ 257,000 | $ 80,000 |
| Phelps County Missouri | 4 | $ 510,000 | $ 127,000 | $ 140,000 |
| Lancaster County Nebraska | 4 | $ 1,090,000 | $ 272,000 | $ 156,000 |
| San Juan County New Mexico | 4 | $ 900,000 | $ 225,000 | $ 74,000 |
| Cumberland County North Carolina | 4 | $ 560,000 | $ 140,000 | $ 52,000 |
| Macon County North Carolina | 4 | $ 510,000 | $ 127,000 | $ 69,000 |
| Mecklenburg County North Carolina | 4 | $ 910,000 | $ 227,000 | $ 76,000 |
| New Hanover County North Carolina | 4 | $ 830,000 | $ 207,000 | $ 104,000 |
| Rogers County Oklahoma | 4 | $ 880,000 | $ 220,000 | $ 98,000 |
| Polk County Tennessee | 4 | $ 500,000 | $ 125,000 | $ 40,000 |
| Comal County Texas | 4 | $ 420,000 | $ 105,000 | $ 59,000 |
| Tarrant County Texas | 4 | $ 1,070,000 | $ 267,000 | $ 122,000 |
| Clark County Washington | 4 | $ 1,270,000 | $ 317,000 | $ 125,000 |
| King County Washington | 4 | $ 1,550,000 | $ 387,000 | $ 133,000 |
| Baldwin County Alabama | 3 | $ 1,535,000 | $ 511,000 | $ 0 |
| Contra Costa County California | 3 | $ 1,395,000 | $ 465,000 | $ 125,000 |
| Orange County California | 3 | $ 1,275,000 | $ 425,000 | $ 152,000 |
| Boulder County Colorado | 3 | $ 1,405,000 | $ 468,000 | $ 223,000 |
| Collier County Florida | 3 | $ 1,425,000 | $ 475,000 | $ 132,000 |
| Hillsborough County Florida | 3 | $ 835,000 | $ 278,000 | $ 192,000 |
| Gwinnett County Georgia | 3 | $ 855,000 | $ 285,000 | $ 204,000 |
| Towns County Georgia | 3 | $ 535,000 | $ 178,000 | $ 78,000 |
| Will County Illinois | 3 | $ 1,005,000 | $ 335,000 | $ 125,000 |
| Fayette County Kentucky | 3 | $ 925,000 | $ 308,000 | $ 189,000 |
| Benton County Missouri | 3 | $ 315,000 | $ 105,000 | $ 114,000 |
| Cass County Missouri | 3 | $ 615,000 | $ 205,000 | $ 100,000 |
| Howell County Missouri | 3 | $ 495,000 | $ 165,000 | $ 27,000 |
| Jefferson County Missouri | 3 | $ 515,000 | $ 171,000 | $ 635,000 |
| Lafayette County Missouri | 3 | $ 595,000 | $ 198,000 | $ 70,000 |
| Pettis County Missouri | 3 | $ 615,000 | $ 205,000 | $ 38,000 |
| Catawba County North Carolina | 3 | $ 815,000 | $ 271,000 | $ 105,000 |
| Forsyth County North Carolina | 3 | $ 615,000 | $ 205,000 | $ 44,000 |
| Graham County North Carolina | 3 | $ 645,000 | $ 215,000 | $ 109,000 |
| Warren County North Carolina | 3 | $ 955,000 | $ 318,000 | $ 211,000 |
| Watauga County North Carolina | 3 | $ 495,000 | $ 165,000 | $ 154,000 |
| Mayes County Oklahoma | 3 | $ 325,000 | $ 108,000 | $ 83,000 |
| Clackamas County Oregon | 3 | $ 985,000 | $ 328,000 | $ 171,000 |
| Davidson County Tennessee | 3 | $ 1,115,000 | $ 371,000 | $ 211,000 |
| Utah County Utah | 3 | $ 835,000 | $ 278,000 | $ 115,000 |
| Fairfax County Virginia | 3 | $ 1,355,000 | $ 451,000 | $ 191,000 |
| Loudoun County Virginia | 3 | $ 1,375,000 | $ 458,000 | $ 181,000 |
| Laramie County Wyoming | 3 | $ 765,000 | $ 255,000 | $ 109,000 |
| Pinal County Arizona | 2 | $ 480,000 | $ 240,000 | $ 107,000 |
| Yuma County Arizona | 2 | $ 540,000 | $ 270,000 | $ 132,000 |
| Alameda County California | 2 | $ 690,000 | $ 345,000 | $ 0 |
| Sacramento County California | 2 | $ 890,000 | $ 445,000 | $ 187,000 |
| Larimer County Colorado | 2 | $ 930,000 | $ 465,000 | $ 199,000 |
| Mineral County Colorado | 2 | $ 290,000 | $ 145,000 | $ 337,000 |
| Montrose County Colorado | 2 | $ 410,000 | $ 205,000 | $ 44,000 |
| Morgan County Colorado | 2 | $ 570,000 | $ 285,000 | $ 76,000 |
| Brevard County Florida | 2 | $ 550,000 | $ 275,000 | $ 92,000 |
| Broward County Florida | 2 | $ 520,000 | $ 260,000 | $ 110,000 |
| Escambia County Florida | 2 | $ 270,000 | $ 135,000 | $ 256,000 |
| Hernando County Florida | 2 | $ 330,000 | $ 165,000 | $ 132,000 |
| Palm Beach County Florida | 2 | $ 720,000 | $ 360,000 | $ 135,000 |
| Santa Rosa County Florida | 2 | $ 520,000 | $ 260,000 | $ 45,000 |
| Chatham County Georgia | 2 | $ 570,000 | $ 285,000 | $ 68,000 |
| Fannin County Georgia | 2 | $ 500,000 | $ 250,000 | $ 122,000 |
| Gilmer County Georgia | 2 | $ 560,000 | $ 280,000 | $ 93,000 |
| Cook County Illinois | 2 | $ 430,000 | $ 215,000 | $ 131,000 |
| Madison County Illinois | 2 | $ 230,000 | $ 115,000 | $ 87,000 |
| Lake County Indiana | 2 | $ 740,000 | $ 370,000 | $ 0 |
| Marion County Indiana | 2 | $ 610,000 | $ 305,000 | $ 102,000 |
| Miami County Kansas | 2 | $ 630,000 | $ 315,000 | $ 259,000 |
| Saline County Kansas | 2 | $ 460,000 | $ 230,000 | $ 0 |
| Christian County Kentucky | 2 | $ 250,000 | $ 125,000 | $ 60,000 |
| Sherburne County Minnesota | 2 | $ 870,000 | $ 435,000 | $ 143,000 |
| Adair County Missouri | 2 | $ 550,000 | $ 275,000 | $ 252,000 |
| Barry County Missouri | 2 | $ 420,000 | $ 210,000 | $ 78,000 |
| Franklin County Missouri | 2 | $ 410,000 | $ 205,000 | $ 77,000 |
| Laclede County Missouri | 2 | $ 280,000 | $ 140,000 | $ 59,000 |
| Polk County Missouri | 2 | $ 350,000 | $ 175,000 | $ 57,000 |
| Pulaski County Missouri | 2 | $ 420,000 | $ 210,000 | $ 63,000 |
| Putnam County Missouri | 2 | $ 200,000 | $ 100,000 | $ 15,000 |
| Randolph County Missouri | 2 | $ 390,000 | $ 195,000 | $ 66,000 |
| Shelby County Missouri | 2 | $ 110,000 | $ 55,000 | $ 19,000 |
| Taney County Missouri | 2 | $ 330,000 | $ 165,000 | $ 67,000 |
| Carteret County North Carolina | 2 | $ 610,000 | $ 305,000 | $ 201,000 |
| Gaston County North Carolina | 2 | $ 540,000 | $ 270,000 | $ 124,000 |
| Jackson County North Carolina | 2 | $ 530,000 | $ 265,000 | $ 61,000 |
| Lee County North Carolina | 2 | $ 300,000 | $ 150,000 | $ 73,000 |
| Pender County North Carolina | 2 | $ 550,000 | $ 275,000 | $ 103,000 |
| Person County North Carolina | 2 | $ 200,000 | $ 100,000 | $ 89,000 |
| Randolph County North Carolina | 2 | $ 310,000 | $ 155,000 | $ 37,000 |
| Vance County North Carolina | 2 | $ 370,000 | $ 185,000 | $ 58,000 |
| Oklahoma County Oklahoma | 2 | $ 90,000 | $ 45,000 | $ 287,000 |
| Tulsa County Oklahoma | 2 | $ 240,000 | $ 120,000 | $ 85,000 |
| Washington County Oregon | 2 | $ 680,000 | $ 340,000 | $ 120,000 |
| Montgomery County Pennsylvania | 2 | $ 650,000 | $ 325,000 | $ 88,000 |
| Greenville County South Carolina | 2 | $ 520,000 | $ 260,000 | $ 80,000 |
| Horry County South Carolina | 2 | $ 330,000 | $ 165,000 | $ 52,000 |
| Denton County Texas | 2 | $ 840,000 | $ 420,000 | $ 171,000 |
| Williamson County Texas | 2 | $ 540,000 | $ 270,000 | $ 237,000 |
| Chesterfield County Virginia | 2 | $ 1,160,000 | $ 580,000 | $ 159,000 |
| Pierce County Washington | 2 | $ 710,000 | $ 355,000 | $ 92,000 |
| Madison County Alabama | 1 | $ 315,000 | $ 315,000 | $ 72,000 |
| Pima County Arizona | 1 | $ 275,000 | $ 275,000 | $ 225,000 |
| Benton County Arkansas | 1 | $ 245,000 | $ 245,000 | $ 268,000 |
| Craighead County Arkansas | 1 | $ 275,000 | $ 275,000 | $ 147,000 |
| Madison County Arkansas | 1 | $ 135,000 | $ 135,000 | $ 35,000 |
| Placer County California | 1 | $ 345,000 | $ 345,000 | $ 67,000 |
| Riverside County California | 1 | $ 315,000 | $ 315,000 | $ 237,000 |
| San Luis Obispo County California | 1 | $ 255,000 | $ 255,000 | $ 198,000 |
| Santa Clara County California | 1 | $ 425,000 | $ 425,000 | $ 93,000 |
| Ventura County California | 1 | $ 455,000 | $ 455,000 | $ 98,000 |
| Chaffee County Colorado | 1 | $ 455,000 | $ 455,000 | $ 362,000 |
| Delta County Colorado | 1 | $ 145,000 | $ 145,000 | $ 61,000 |
| Eagle County Colorado | 1 | $ 415,000 | $ 415,000 | $ 89,000 |
| Elbert County Colorado | 1 | $ 565,000 | $ 565,000 | $ 102,000 |
| Garfield County Colorado | 1 | $ 155,000 | $ 155,000 | $ 31,000 |
| Gunnison County Colorado | 1 | $ 275,000 | $ 275,000 | $ 111,000 |
| Hinsdale County Colorado | 1 | $ 475,000 | $ 475,000 | $ 1,161,000 |
| Huerfano County Colorado | 1 | $ 485,000 | $ 485,000 | $ 85,000 |
| Lake County Colorado | 1 | $ 255,000 | $ 255,000 | $ 54,000 |
| Moffat County Colorado | 1 | $ 185,000 | $ 185,000 | $ 44,000 |
| Prowers County Colorado | 1 | $ 45,000 | $ 45,000 | $ 55,000 |
| Routt County Colorado | 1 | $ 865,000 | $ 865,000 | $ 0 |
| Saguache County Colorado | 1 | $ 255,000 | $ 255,000 | $ 266,000 |
| San Miguel County Colorado | 1 | $ 345,000 | $ 345,000 | $ 105,000 |
| Summit County Colorado | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Yuma County Colorado | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Alachua County Florida | 1 | $ 255,000 | $ 255,000 | $ 120,000 |
| Indian River County Florida | 1 | $ 295,000 | $ 295,000 | $ 114,000 |
| Lee County Florida | 1 | $ 185,000 | $ 185,000 | $ 103,000 |
| Manatee County Florida | 1 | $ 395,000 | $ 395,000 | $ 130,000 |
| Pinellas County Florida | 1 | $ 155,000 | $ 155,000 | $ 102,000 |
| Polk County Florida | 1 | $ 325,000 | $ 325,000 | $ 159,000 |
| St. Johns County Florida | 1 | $ 305,000 | $ 305,000 | $ 133,000 |
| St. Lucie County Florida | 1 | $ 375,000 | $ 375,000 | $ 166,000 |
| Volusia County Florida | 1 | $ 315,000 | $ 315,000 | $ 126,000 |
| Cherokee County Georgia | 1 | $ 335,000 | $ 335,000 | $ 56,000 |
| Fayette County Georgia | 1 | $ 145,000 | $ 145,000 | $ 29,000 |
| Forsyth County Georgia | 1 | $ 305,000 | $ 305,000 | $ 118,000 |
| Fulton County Georgia | 1 | $ 85,000 | $ 85,000 | $ 62,000 |
| Hall County Georgia | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Oconee County Georgia | 1 | $ 275,000 | $ 275,000 | $ 80,000 |
| Bear Lake County Idaho | 1 | $ 395,000 | $ 395,000 | $ 282,000 |
| Kootenai County Idaho | 1 | $ 515,000 | $ 515,000 | $ 182,000 |
| Teton County Idaho | 1 | $ 125,000 | $ 125,000 | $ 50,000 |
| Champaign County Illinois | 1 | $ 295,000 | $ 295,000 | $ 70,000 |
| DuPage County Illinois | 1 | $ 185,000 | $ 185,000 | $ 88,000 |
| Grundy County Illinois | 1 | $ 515,000 | $ 515,000 | $ 156,000 |
| Lake County Illinois | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Johnson County Indiana | 1 | $ 255,000 | $ 255,000 | $ 163,000 |
| LaPorte County Indiana | 1 | $ 225,000 | $ 225,000 | $ 129,000 |
| Monroe County Indiana | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Wayne County Indiana | 1 | $ 205,000 | $ 205,000 | $ 59,000 |
| Dallas County Iowa | 1 | $ 215,000 | $ 215,000 | $ 161,000 |
| Scott County Iowa | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Warren County Iowa | 1 | $ 515,000 | $ 515,000 | $ 170,000 |
| Franklin County Kansas | 1 | $ 195,000 | $ 195,000 | $ 104,000 |
| Wyandotte County Kansas | 1 | $ 135,000 | $ 135,000 | $ 219,000 |
| Montgomery County Kentucky | 1 | $ 165,000 | $ 165,000 | $ 70,000 |
| Oldham County Kentucky | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Orleans County Louisiana | 1 | $ 135,000 | $ 135,000 | $ 99,000 |
| Worcester County Massachusetts | 1 | $ 155,000 | $ 155,000 | $ 127,000 |
| Allegan County Michigan | 1 | $ 365,000 | $ 365,000 | $ 260,000 |
| Arenac County Michigan | 1 | $ 55,000 | $ 55,000 | $ 84,000 |
| Kent County Michigan | 1 | $ 265,000 | $ 265,000 | $ 330,000 |
| Livingston County Michigan | 1 | $ 365,000 | $ 365,000 | $ 80,000 |
| Oakland County Michigan | 1 | $ 305,000 | $ 305,000 | $ 300,000 |
| Van Buren County Michigan | 1 | $ 255,000 | $ 255,000 | $ 175,000 |
| Carlton County Minnesota | 1 | $ 285,000 | $ 285,000 | $ 94,000 |
| Chisago County Minnesota | 1 | $ 245,000 | $ 245,000 | $ 90,000 |
| Dakota County Minnesota | 1 | $ 375,000 | $ 375,000 | $ 98,000 |
| Scott County Minnesota | 1 | $ 225,000 | $ 225,000 | $ 72,000 |
| Washington County Minnesota | 1 | $ 345,000 | $ 345,000 | $ 133,000 |
| Atchison County Missouri | 1 | $ 215,000 | $ 215,000 | $ 103,000 |
| Cape Girardeau County Missouri | 1 | $ 65,000 | $ 65,000 | $ 85,000 |
| Clinton County Missouri | 1 | $ 145,000 | $ 145,000 | $ 111,000 |
| Lincoln County Missouri | 1 | $ 325,000 | $ 325,000 | $ 98,000 |
| McDonald County Missouri | 1 | $ 135,000 | $ 135,000 | $ 271,000 |
| Newton County Missouri | 1 | $ 225,000 | $ 225,000 | $ 92,000 |
| Pike County Missouri | 1 | $ 95,000 | $ 95,000 | $ 26,000 |
| Ray County Missouri | 1 | $ 165,000 | $ 165,000 | $ 113,000 |
| St. Louis City County Missouri | 1 | $ 225,000 | $ 225,000 | $ 165,000 |
| Sullivan County Missouri | 1 | $ 105,000 | $ 105,000 | $ 127,000 |
| Warren County Missouri | 1 | $ 255,000 | $ 255,000 | $ 149,000 |
| Webster County Missouri | 1 | $ 235,000 | $ 235,000 | $ 57,000 |
| Jefferson County Montana | 1 | $ 365,000 | $ 365,000 | $ 94,000 |
| Lewis and Clark County Montana | 1 | $ 295,000 | $ 295,000 | $ 75,000 |
| Essex County New Jersey | 1 | $ 605,000 | $ 605,000 | $ 295,000 |
| Union County New Jersey | 1 | $ 485,000 | $ 485,000 | $ 80,000 |
| Bernalillo County New Mexico | 1 | $ 295,000 | $ 295,000 | $ 222,000 |
| Cibola County New Mexico | 1 | $ 255,000 | $ 255,000 | $ 143,000 |
| Rio Arriba County New Mexico | 1 | $ 205,000 | $ 205,000 | $ 30,000 |
| Sandoval County New Mexico | 1 | $ 405,000 | $ 405,000 | $ 133,000 |
| Onondaga County New York | 1 | $ 95,000 | $ 95,000 | $ 31,000 |
| Ashe County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 145,000 |
| Avery County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 37,000 |
| Cabarrus County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 57,000 |
| Caswell County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 83,000 |
| Davidson County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 183,000 |
| Iredell County North Carolina | 1 | $ 335,000 | $ 335,000 | $ 143,000 |
| McDowell County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 373,000 |
| Montgomery County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 88,000 |
| Onslow County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 41,000 |
| Sampson County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 27,000 |
| Transylvania County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 104,000 |
| Wayne County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 41,000 |
| Franklin County Ohio | 1 | $ 165,000 | $ 165,000 | $ 156,000 |
| Greene County Ohio | 1 | $ 265,000 | $ 265,000 | $ 100,000 |
| Osage County Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 94,000 |
| Benton County Oregon | 1 | $ 235,000 | $ 235,000 | $ 58,000 |
| Multnomah County Oregon | 1 | $ 245,000 | $ 245,000 | $ 77,000 |
| Bucks County Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 93,000 |
| Charleston County South Carolina | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Georgetown County South Carolina | 1 | $ 415,000 | $ 415,000 | $ 734,000 |
| Lexington County South Carolina | 1 | $ 515,000 | $ 515,000 | $ 173,000 |
| Newberry County South Carolina | 1 | $ 85,000 | $ 85,000 | $ 33,000 |
| Spartanburg County South Carolina | 1 | $ 215,000 | $ 215,000 | $ 97,000 |
| Sumter County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 78,000 |
| Bradley County Tennessee | 1 | $ 255,000 | $ 255,000 | $ 71,000 |
| Carter County Tennessee | 1 | $ 385,000 | $ 385,000 | $ 170,000 |
| Loudon County Tennessee | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Sevier County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 20,000 |
| Sumner County Tennessee | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Wilson County Tennessee | 1 | $ 275,000 | $ 275,000 | $ 135,000 |
| Bell County Texas | 1 | $ 135,000 | $ 135,000 | $ 100,000 |
| Bexar County Texas | 1 | $ 175,000 | $ 175,000 | $ 99,000 |
| Brazos County Texas | 1 | $ 395,000 | $ 395,000 | $ 214,000 |
| Kendall County Texas | 1 | $ 305,000 | $ 305,000 | $ 145,000 |
| Rockwall County Texas | 1 | $ 325,000 | $ 325,000 | $ 65,000 |
| Travis County Texas | 1 | $ 455,000 | $ 455,000 | $ 238,000 |
| Wichita County Texas | 1 | $ 185,000 | $ 185,000 | $ 113,000 |
| Washington County Utah | 1 | $ 105,000 | $ 105,000 | $ 96,000 |
| Chittenden County Vermont | 1 | $ 355,000 | $ 355,000 | $ 175,000 |
| Arlington County Virginia | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Carroll County Virginia | 1 | $ 185,000 | $ 185,000 | $ 76,000 |
| Pittsylvania County Virginia | 1 | $ 135,000 | $ 135,000 | $ 36,000 |
| Prince William County Virginia | 1 | $ 305,000 | $ 305,000 | $ 100,000 |
| Richmond City County Virginia | 1 | $ 545,000 | $ 545,000 | $ 180,000 |
| Spotsylvania County Virginia | 1 | $ 295,000 | $ 295,000 | $ 77,000 |
| Grant County Washington | 1 | $ 395,000 | $ 395,000 | $ 70,000 |
| Kitsap County Washington | 1 | $ 505,000 | $ 505,000 | $ 519,000 |
| Whatcom County Washington | 1 | $ 475,000 | $ 475,000 | $ 87,000 |
| Lafayette County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 94,000 |
| Pierce County Wisconsin | 1 | $ 335,000 | $ 335,000 | $ 88,000 |
| St. Croix County Wisconsin | 1 | $ 385,000 | $ 385,000 | $ 115,000 |
| Waukesha County Wisconsin | 1 | $ 515,000 | $ 515,000 | $ 230,000 |
Mortgage Loan Application Detail Totals for The Central Trust Bank in 2020
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 | 1,921 | $502,975,000 | $261,000 | $1,665,000 | $108,000 | $2,184,000 |
| Refinancing | 1,791 | $439,605,000 | $245,000 | $1,505,000 | $112,000 | $1,419,000 |
| Cash-out Refinancing | 547 | $141,615,000 | $258,000 | $2,185,000 | $112,000 | $801,000 |
| Other Purpose | 36 | $5,730,000 | $159,000 | $465,000 | $111,000 | $511,000 |
| Home Improvement | 17 | $4,775,000 | $280,000 | $1,205,000 | $134,000 | $644,000 |
| 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 | 3,511 | $882,975,000 | $251,000 | $1,665,000 | $109,000 | $2,184,000 |
| Not Provided | 305 | $83,305,000 | $273,000 | $1,005,000 | $129,000 | $1,045,000 |
| Hispanic | 156 | $39,690,000 | $254,000 | $625,000 | $97,000 | $318,000 |
| Asian | 104 | $32,320,000 | $310,000 | $565,000 | $123,000 | $363,000 |
| Black or African American | 100 | $23,910,000 | $239,000 | $1,425,000 | $91,000 | $362,000 |
| Not applicable | 68 | $14,200,000 | $208,000 | $2,185,000 | $0 | $0 |
| American Indian or Alaskan Native | 36 | $7,940,000 | $220,000 | $555,000 | $85,000 | $287,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,185,000 | $395,000 | $505,000 | $217,000 | $428,000 |
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) | 3,793 | $950,935,000 | $250,000 | $2,185,000 | $115,000 | $2,184,000 |
| VA-guaranteed (Veterans Administration) | 238 | $84,550,000 | $355,000 | $985,000 | $95,000 | $275,000 |
| FHA-insured (Federal Housing Administration) | 177 | $41,035,000 | $231,000 | $405,000 | $72,000 | $635,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 104 | $18,180,000 | $174,000 | $455,000 | $54,000 | $110,000 |
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 | 3,756 | $965,610,000 | $257,000 | $2,185,000 | $111,000 | $2,184,000 |
| Application Withdrawn By Applicant | 466 | $113,620,000 | $243,000 | $1,665,000 | $112,000 | $1,319,000 |
| Application Denied By Financial Institution | 84 | $13,730,000 | $163,000 | $485,000 | $58,000 | $210,000 |
| Application Approved But Not Accepted | 6 | $1,740,000 | $290,000 | $405,000 | $100,000 | $120,000 |
| 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 | 4,228 | $1,080,970,000 | $255,000 | $2,185,000 | $111,000 | $2,184,000 |
| Debt-To-Income Ratio | 33 | $5,945,000 | $180,000 | $465,000 | $50,000 | $118,000 |
| Credit History | 32 | $3,810,000 | $119,000 | $295,000 | $53,000 | $145,000 |
| Collateral | 11 | $1,855,000 | $168,000 | $325,000 | $82,000 | $210,000 |
| Other | 4 | $970,000 | $242,000 | $335,000 | $86,000 | $145,000 |
| Employment History | 2 | $690,000 | $345,000 | $485,000 | $49,000 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $460,000 | $230,000 | $375,000 | $114,000 | $154,000 |
| 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 The Central Trust Bank's 2020 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.