The Central Trust Bank Mortgage Lending & HMDA Data, 2022

In 2022, The Central Trust Bank of Jefferson City, MO reported 12,728 mortgage applications totaling $3.2 billion, down 5% from 2021. The average application was for $251,574, and applicants reported an average income of $132,647. 74% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Jefferson City, MO (1,333), Columbia, MO (1,332) and Kansas City, MO-KS (1,306) (applications in parentheses).

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 2025  2024  2023  2022  2021  
Total Number of Mortgage Applications 12,728
Total Mortgage Loan Application Amount $3,202,040,000
Average Mortgage Loan Application Amount $251,574
Highest Mortgage Loan Application Amount $26,265,000
Average Applicant Income $132,647
Highest Applicant Income $9,226,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Central Trust Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for The Central Trust Bank by County in 2022

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Boone, Missouri 1,234 $ 257,370,000 $ 208,565 $ 130,000
Cole, Missouri 890 $ 125,330,000 $ 140,820 $ 125,000
Camden, Missouri 668 $ 139,290,000 $ 208,517 $ 158,000
Greene, Missouri 655 $ 143,095,000 $ 218,465 $ 126,000
St. Louis, Missouri 525 $ 117,105,000 $ 223,057 $ 137,000
Jackson, Missouri 426 $ 72,100,000 $ 169,248 $ 157,000
Miller, Missouri 323 $ 55,305,000 $ 171,222 $ 97,000
Taney, Missouri 319 $ 48,625,000 $ 152,429 $ 97,000
Callaway, Missouri 316 $ 42,820,000 $ 135,506 $ 101,000
Johnson, Kansas 308 $ 115,730,000 $ 375,746 $ 143,000
Christian, Missouri 297 $ 55,895,000 $ 188,198 $ 113,000
Pettis, Missouri 266 $ 26,170,000 $ 98,383 $ 79,000
El Paso, Colorado 245 $ 96,405,000 $ 393,489 $ 146,000
Polk, Iowa 241 $ 54,715,000 $ 227,033 $ 91,000
Wake, North Carolina 212 $ 79,280,000 $ 373,962 $ 147,000
St. Charles, Missouri 211 $ 68,215,000 $ 323,293 $ 133,000
Clay, Missouri 180 $ 30,900,000 $ 171,666 $ 148,000
Johnson, Missouri 165 $ 30,505,000 $ 184,878 $ 109,000
Morgan, Missouri 157 $ 26,555,000 $ 169,140 $ 131,000
Stone, Missouri 156 $ 32,610,000 $ 209,038 $ 130,000
Platte, Missouri 122 $ 18,440,000 $ 151,147 $ 140,000
Randolph, Missouri 121 $ 13,905,000 $ 114,917 $ 76,000
Tulsa, Oklahoma 111 $ 42,895,000 $ 386,441 $ 108,000
Williamson, Tennessee 106 $ 60,100,000 $ 566,981 $ 162,000
St. Louis City, Missouri 105 $ 20,885,000 $ 198,904 $ 153,000
Davidson, Tennessee 105 $ 35,165,000 $ 334,904 $ 126,000
La Plata, Colorado 100 $ 45,450,000 $ 454,500 $ 174,000
Webster, Missouri 99 $ 12,835,000 $ 129,646 $ 85,000
Moniteau, Missouri 96 $ 13,410,000 $ 139,687 $ 91,000
Audrain, Missouri 94 $ 11,430,000 $ 121,595 $ 87,000
Archuleta, Colorado 87 $ 27,895,000 $ 320,632 $ 136,000
Cooper, Missouri 85 $ 9,455,000 $ 111,235 $ 70,000
Oklahoma, Oklahoma 82 $ 27,520,000 $ 335,609 $ 204,000
Rutherford, Tennessee 81 $ 34,975,000 $ 431,790 $ 129,000
Fremont, Colorado 80 $ 22,600,000 $ 282,500 $ 77,000
Douglas, Kansas 80 $ 15,530,000 $ 194,125 $ 139,000
Jefferson, Missouri 79 $ 18,465,000 $ 233,734 $ 129,000
Lafayette, Missouri 69 $ 9,525,000 $ 138,043 $ 83,000
Cass, Missouri 55 $ 9,305,000 $ 169,181 $ 101,000
Benton, Arkansas 54 $ 17,200,000 $ 318,518 $ 145,000
Dallas, Iowa 50 $ 15,490,000 $ 309,800 $ 155,000
Cherokee, North Carolina 43 $ 10,905,000 $ 253,604 $ 105,000
Wilson, Tennessee 43 $ 19,745,000 $ 459,186 $ 138,000
Wyandotte, Kansas 40 $ 6,850,000 $ 171,250 $ 90,000
Maricopa, Arizona 38 $ 19,910,000 $ 523,947 $ 166,000
St. Clair, Illinois 38 $ 6,120,000 $ 161,052 $ 106,000
Sedgwick, Kansas 38 $ 10,230,000 $ 269,210 $ 113,000
Durham, North Carolina 38 $ 11,580,000 $ 304,736 $ 137,000
Clark, Nevada 35 $ 16,715,000 $ 477,571 $ 245,000
Clinton, Missouri 33 $ 4,975,000 $ 150,757 $ 80,000
Warren, Iowa 32 $ 9,560,000 $ 298,750 $ 117,000
Osage, Missouri 31 $ 4,185,000 $ 135,000 $ 97,000
Benton, Missouri 30 $ 4,300,000 $ 143,333 $ 66,000
Johnston, North Carolina 29 $ 8,465,000 $ 291,896 $ 94,000
Lincoln, Missouri 28 $ 6,100,000 $ 217,857 $ 115,000
Collier, Florida 27 $ 10,655,000 $ 394,629 $ 225,000
Cleveland, Oklahoma 26 $ 6,470,000 $ 248,846 $ 141,000
Leavenworth, Kansas 25 $ 7,455,000 $ 298,200 $ 157,000
Bexar, Texas 25 $ 9,825,000 $ 393,000 $ 182,000
Travis, Texas 25 $ 12,895,000 $ 515,800 $ 195,000
Williamson, Texas 25 $ 12,435,000 $ 497,400 $ 188,000
Pueblo, Colorado 24 $ 7,030,000 $ 292,916 $ 107,000
Polk, Missouri 24 $ 4,220,000 $ 175,833 $ 75,000
Denver, Colorado 23 $ 15,045,000 $ 654,130 $ 313,000
Cook, Illinois 23 $ 10,005,000 $ 435,000 $ 196,000
Lawrence, Missouri 23 $ 3,115,000 $ 135,434 $ 96,000
Ray, Missouri 23 $ 3,275,000 $ 142,391 $ 86,000
Harris, Texas 23 $ 8,775,000 $ 381,521 $ 156,000
Washington, Arkansas 21 $ 6,635,000 $ 315,952 $ 138,000
Miami, Kansas 21 $ 3,875,000 $ 184,523 $ 120,000
Buchanan, Missouri 21 $ 3,295,000 $ 156,904 $ 97,000
Sumner, Tennessee 20 $ 8,950,000 $ 447,500 $ 118,000
Douglas, Colorado 19 $ 12,505,000 $ 658,157 $ 387,000
Lee, Florida 19 $ 6,615,000 $ 348,157 $ 148,000
Franklin, Missouri 19 $ 3,555,000 $ 187,105 $ 93,000
Maury, Tennessee 18 $ 6,670,000 $ 370,555 $ 125,000
Collin, Texas 18 $ 8,140,000 $ 452,222 $ 174,000
King, Washington 18 $ 10,940,000 $ 607,777 $ 208,000
Rogers, Oklahoma 17 $ 5,195,000 $ 305,588 $ 110,000
Phelps, Missouri 16 $ 2,750,000 $ 171,875 $ 84,000
Denton, Texas 16 $ 7,660,000 $ 478,750 $ 164,000
Madison, Alabama 15 $ 4,975,000 $ 331,666 $ 149,000
Los Angeles, California 15 $ 9,465,000 $ 631,000 $ 166,000
Jefferson, Colorado 15 $ 6,525,000 $ 435,000 $ 234,000
Franklin, North Carolina 15 $ 3,735,000 $ 249,000 $ 98,000
Orange, North Carolina 15 $ 4,755,000 $ 317,000 $ 161,000
Montgomery, Texas 15 $ 5,595,000 $ 373,000 $ 176,000
Orange, Florida 14 $ 5,920,000 $ 422,857 $ 146,000
Laclede, Missouri 14 $ 1,820,000 $ 130,000 $ 80,000
Broward, Florida 13 $ 4,935,000 $ 379,615 $ 192,000
Sarasota, Florida 13 $ 9,195,000 $ 707,307 $ 183,000
Jasper, Iowa 13 $ 2,205,000 $ 169,615 $ 79,000
Howard, Missouri 13 $ 1,905,000 $ 146,538 $ 99,000
Douglas, Nebraska 13 $ 5,305,000 $ 408,076 $ 231,000
Canadian, Oklahoma 13 $ 26,555,000 $ 2,042,692 $ 103,000
Arapahoe, Colorado 12 $ 6,530,000 $ 544,166 $ 209,000
Miami-Dade, Florida 12 $ 5,750,000 $ 479,166 $ 183,000
Pinellas, Florida 12 $ 4,860,000 $ 405,000 $ 200,000
Butler, Kansas 12 $ 3,710,000 $ 309,166 $ 129,000
Dallas, Missouri 12 $ 1,310,000 $ 109,166 $ 69,000
Tarrant, Texas 12 $ 5,140,000 $ 428,333 $ 155,000
Hillsborough, Florida 11 $ 4,795,000 $ 435,909 $ 182,000
Scott, Iowa 11 $ 2,545,000 $ 231,363 $ 76,000
Gasconade, Missouri 11 $ 1,245,000 $ 113,181 $ 75,000
Saline, Missouri 11 $ 1,415,000 $ 128,636 $ 49,000
Washoe, Nevada 11 $ 6,085,000 $ 553,181 $ 228,000
Chatham, North Carolina 11 $ 3,905,000 $ 355,000 $ 139,000
Harnett, North Carolina 11 $ 3,255,000 $ 295,909 $ 89,000
Onslow, North Carolina 11 $ 4,555,000 $ 414,090 $ 141,000
Creek, Oklahoma 11 $ 1,135,000 $ 103,181 $ 116,000
Multnomah, Oregon 11 $ 5,835,000 $ 530,454 $ 273,000
Dallas, Texas 11 $ 6,825,000 $ 620,454 $ 208,000
Fairfax, Virginia 11 $ 6,585,000 $ 598,636 $ 225,000
Pima, Arizona 10 $ 3,080,000 $ 308,000 $ 142,000
San Diego, California 10 $ 5,790,000 $ 579,000 $ 160,000
San Juan, Colorado 10 $ 3,860,000 $ 386,000 $ 210,000
District of Columbia, District Of Columbia 10 $ 6,270,000 $ 627,000 $ 205,000
Monroe, Illinois 10 $ 1,110,000 $ 111,000 $ 183,000
Monroe, Missouri 10 $ 1,410,000 $ 141,000 $ 269,000
Pulaski, Missouri 10 $ 1,130,000 $ 113,000 $ 76,000
Wright, Missouri 10 $ 1,400,000 $ 140,000 $ 65,000
Utah, Utah 10 $ 5,430,000 $ 543,000 $ 188,000
Clark, Washington 10 $ 5,070,000 $ 507,000 $ 197,000
Pierce, Washington 10 $ 5,240,000 $ 524,000 $ 122,000
Snohomish, Washington 10 $ 6,260,000 $ 626,000 $ 190,000
Adams, Colorado 9 $ 4,525,000 $ 502,777 $ 190,000
Montezuma, Colorado 9 $ 3,195,000 $ 355,000 $ 114,000
Fulton, Georgia 9 $ 7,025,000 $ 780,555 $ 1,063,000
Marion, Iowa 9 $ 2,105,000 $ 233,888 $ 75,000
Franklin, Kansas 9 $ 1,205,000 $ 133,888 $ 138,000
Oakland, Michigan 9 $ 3,275,000 $ 363,888 $ 140,000
Hennepin, Minnesota 9 $ 3,245,000 $ 360,555 $ 246,000
Ramsey, Minnesota 9 $ 2,715,000 $ 301,666 $ 162,000
Macon, Missouri 9 $ 1,145,000 $ 127,222 $ 77,000
Mecklenburg, North Carolina 9 $ 3,665,000 $ 407,222 $ 139,000
Alameda, California 8 $ 5,070,000 $ 633,750 $ 193,000
Larimer, Colorado 8 $ 3,920,000 $ 490,000 $ 269,000
Palm Beach, Florida 8 $ 8,500,000 $ 1,062,500 $ 716,000
Santa Rosa, Florida 8 $ 3,340,000 $ 417,500 $ 278,000
Gwinnett, Georgia 8 $ 4,040,000 $ 505,000 $ 200,000
Lake, Illinois 8 $ 2,550,000 $ 318,750 $ 146,000
Madison, Illinois 8 $ 2,020,000 $ 252,500 $ 140,000
Douglas, Missouri 8 $ 940,000 $ 117,500 $ 69,000
New Hanover, North Carolina 8 $ 4,520,000 $ 565,000 $ 210,000
Delaware, Oklahoma 8 $ 2,580,000 $ 322,500 $ 188,000
Logan, Oklahoma 8 $ 3,160,000 $ 395,000 $ 126,000
Fort Bend, Texas 8 $ 4,320,000 $ 540,000 $ 237,000
Salt Lake, Utah 8 $ 3,840,000 $ 480,000 $ 217,000
Prince William, Virginia 8 $ 4,420,000 $ 552,500 $ 184,000
Limestone, Alabama 7 $ 2,925,000 $ 417,857 $ 170,000
Boone, Arkansas 7 $ 1,975,000 $ 282,142 $ 126,000
Okaloosa, Florida 7 $ 2,815,000 $ 402,142 $ 177,000
Volusia, Florida 7 $ 2,205,000 $ 315,000 $ 95,000
Hickory, Missouri 7 $ 715,000 $ 102,142 $ 59,000
Warren, Missouri 7 $ 2,185,000 $ 312,142 $ 218,000
San Juan, New Mexico 7 $ 1,525,000 $ 217,857 $ 166,000
Brunswick, North Carolina 7 $ 2,915,000 $ 416,428 $ 257,000
Moore, North Carolina 7 $ 2,645,000 $ 377,857 $ 94,000
Wagoner, Oklahoma 7 $ 2,185,000 $ 312,142 $ 109,000
Craighead, Arkansas 6 $ 1,690,000 $ 281,666 $ 178,000
Teller, Colorado 6 $ 2,140,000 $ 356,666 $ 123,000
Weld, Colorado 6 $ 2,770,000 $ 461,666 $ 233,000
Walton, Florida 6 $ 5,170,000 $ 861,666 $ 196,000
Cobb, Georgia 6 $ 2,560,000 $ 426,666 $ 155,000
DeKalb, Georgia 6 $ 3,390,000 $ 565,000 $ 221,000
DuPage, Illinois 6 $ 2,250,000 $ 375,000 $ 154,000
Will, Illinois 6 $ 2,030,000 $ 338,333 $ 183,000
Guthrie, Iowa 6 $ 1,270,000 $ 211,666 $ 83,000
Madison, Iowa 6 $ 1,190,000 $ 198,333 $ 70,000
Jasper, Missouri 6 $ 960,000 $ 160,000 $ 124,000
Bergen, New Jersey 6 $ 3,350,000 $ 558,333 $ 265,000
Camden, New Jersey 6 $ 1,600,000 $ 266,666 $ 88,000
Middlesex, New Jersey 6 $ 3,330,000 $ 555,000 $ 240,000
Dona Ana, New Mexico 6 $ 1,940,000 $ 323,333 $ 153,000
Guilford, North Carolina 6 $ 1,800,000 $ 300,000 $ 120,000
Berkeley, South Carolina 6 $ 2,810,000 $ 468,333 $ 120,000
Lexington, South Carolina 6 $ 1,520,000 $ 253,333 $ 87,000
Shelby, Tennessee 6 $ 2,060,000 $ 343,333 $ 148,000
Richmond City, Virginia 6 $ 1,920,000 $ 320,000 $ 129,000
Boulder, Colorado 5 $ 2,185,000 $ 437,000 $ 170,000
Fairfield, Connecticut 5 $ 2,495,000 $ 499,000 $ 141,000
Hartford, Connecticut 5 $ 1,825,000 $ 365,000 $ 124,000
Sussex, Delaware 5 $ 2,085,000 $ 417,000 $ 157,000
Brevard, Florida 5 $ 1,685,000 $ 337,000 $ 105,000
Duval, Florida 5 $ 1,775,000 $ 355,000 $ 147,000
Forsyth, Georgia 5 $ 2,905,000 $ 581,000 $ 259,000
Honolulu, Hawaii 5 $ 2,815,000 $ 563,000 $ 261,000
Ada, Idaho 5 $ 2,365,000 $ 473,000 $ 143,000
Story, Iowa 5 $ 1,405,000 $ 281,000 $ 85,000
Orleans, Louisiana 5 $ 2,195,000 $ 439,000 $ 170,000
Barry, Missouri 5 $ 805,000 $ 161,000 $ 105,000
Butler, Missouri 5 $ 1,295,000 $ 259,000 $ 191,000
Crawford, Missouri 5 $ 355,000 $ 71,000 $ 87,000
Henry, Missouri 5 $ 785,000 $ 157,000 $ 86,000
Howell, Missouri 5 $ 695,000 $ 139,000 $ 90,000
Linn, Missouri 5 $ 1,655,000 $ 331,000 $ 119,000
Newton, Missouri 5 $ 815,000 $ 163,000 $ 100,000
St. Francois, Missouri 5 $ 2,705,000 $ 541,000 $ 208,000
Sarpy, Nebraska 5 $ 1,865,000 $ 373,000 $ 119,000
Hudson, New Jersey 5 $ 2,715,000 $ 543,000 $ 194,000
Bernalillo, New Mexico 5 $ 1,565,000 $ 313,000 $ 103,000
Buncombe, North Carolina 5 $ 1,805,000 $ 361,000 $ 124,000
Cumberland, North Carolina 5 $ 1,655,000 $ 331,000 $ 172,000
Franklin, Ohio 5 $ 1,625,000 $ 325,000 $ 79,000
Cumberland, Pennsylvania 5 $ 1,165,000 $ 233,000 $ 390,000
Beaufort, South Carolina 5 $ 2,605,000 $ 521,000 $ 199,000
Charleston, South Carolina 5 $ 2,815,000 $ 563,000 $ 181,000
Richland, South Carolina 5 $ 2,085,000 $ 417,000 $ 170,000
Sevier, Tennessee 5 $ 3,415,000 $ 683,000 $ 200,000
El Paso, Texas 5 $ 1,195,000 $ 239,000 $ 61,000
Galveston, Texas 5 $ 2,285,000 $ 457,000 $ 262,000
Stafford, Virginia 5 $ 2,535,000 $ 507,000 $ 112,000
Kitsap, Washington 5 $ 2,915,000 $ 583,000 $ 208,000
Baldwin, Alabama 4 $ 1,030,000 $ 257,500 $ 89,000
Houston, Alabama 4 $ 1,650,000 $ 412,500 $ 133,000
Lee, Alabama 4 $ 2,000,000 $ 500,000 $ 199,000
Mobile, Alabama 4 $ 780,000 $ 195,000 $ 55,000
Pinal, Arizona 4 $ 1,530,000 $ 382,500 $ 199,000
Lonoke, Arkansas 4 $ 980,000 $ 245,000 $ 111,000
Riverside, California 4 $ 2,630,000 $ 657,500 $ 129,000
Santa Clara, California 4 $ 3,600,000 $ 900,000 $ 354,000
Custer, Colorado 4 $ 1,240,000 $ 310,000 $ 96,000
Manatee, Florida 4 $ 1,440,000 $ 360,000 $ 139,000
Polk, Florida 4 $ 2,020,000 $ 505,000 $ 282,000
Seminole, Florida 4 $ 1,800,000 $ 450,000 $ 147,000
St. Johns, Florida 4 $ 1,830,000 $ 457,500 $ 193,000
Cherokee, Georgia 4 $ 1,870,000 $ 467,500 $ 178,000
Coweta, Georgia 4 $ 1,700,000 $ 425,000 $ 245,000
Richmond, Georgia 4 $ 1,310,000 $ 327,500 $ 117,000
Hamilton, Indiana 4 $ 2,190,000 $ 547,500 $ 183,000
Marion, Indiana 4 $ 1,310,000 $ 327,500 $ 154,000
Ellis, Kansas 4 $ 380,000 $ 95,000 $ 121,000
Dakota, Minnesota 4 $ 1,310,000 $ 327,500 $ 127,000
Dade, Missouri 4 $ 390,000 $ 97,500 $ 48,000
Montgomery, Missouri 4 $ 510,000 $ 127,500 $ 69,000
Yellowstone, Montana 4 $ 1,890,000 $ 472,500 $ 213,000
Essex, New Jersey 4 $ 1,680,000 $ 420,000 $ 216,000
Morris, New Jersey 4 $ 1,660,000 $ 415,000 $ 184,000
Carteret, North Carolina 4 $ 2,450,000 $ 612,500 $ 182,000
Forsyth, North Carolina 4 $ 850,000 $ 212,500 $ 117,000
Granville, North Carolina 4 $ 1,060,000 $ 265,000 $ 87,000
Wayne, North Carolina 4 $ 970,000 $ 242,500 $ 55,000
Warren, Ohio 4 $ 1,450,000 $ 362,500 $ 180,000
Clackamas, Oregon 4 $ 2,090,000 $ 522,500 $ 162,000
Montgomery, Pennsylvania 4 $ 1,670,000 $ 417,500 $ 215,000
Greenville, South Carolina 4 $ 1,280,000 $ 320,000 $ 121,000
Hamilton, Tennessee 4 $ 1,300,000 $ 325,000 $ 166,000
Knox, Tennessee 4 $ 1,590,000 $ 397,500 $ 122,000
Chesapeake, Virginia 4 $ 1,840,000 $ 460,000 $ 93,000
Virginia Beach, Virginia 4 $ 1,440,000 $ 360,000 $ 145,000
Thurston, Washington 4 $ 2,040,000 $ 510,000 $ 116,000
Milwaukee, Wisconsin 4 $ 1,060,000 $ 265,000 $ 102,000
Anchorage, Alaska 3 $ 1,315,000 $ 438,333 $ 226,000
Yavapai, Arizona 3 $ 1,555,000 $ 518,333 $ 257,000
Greene, Arkansas 3 $ 925,000 $ 308,333 $ 201,000
Contra Costa, California 3 $ 1,555,000 $ 518,333 $ 199,000
Orange, California 3 $ 2,335,000 $ 778,333 $ 233,000
San Bernardino, California 3 $ 845,000 $ 281,666 $ 82,000
Broomfield, Colorado 3 $ 1,495,000 $ 498,333 $ 183,000
Las Animas, Colorado 3 $ 455,000 $ 151,666 $ 80,000
New Castle, Delaware 3 $ 1,555,000 $ 518,333 $ 163,000
Clay, Florida 3 $ 1,095,000 $ 365,000 $ 104,000
Escambia, Florida 3 $ 825,000 $ 275,000 $ 45,000
Hernando, Florida 3 $ 485,000 $ 161,666 $ 127,000
Martin, Florida 3 $ 945,000 $ 315,000 $ 169,000
Osceola, Florida 3 $ 1,555,000 $ 518,333 $ 169,000
Pasco, Florida 3 $ 1,265,000 $ 421,666 $ 96,000
St. Lucie, Florida 3 $ 955,000 $ 318,333 $ 85,000
Columbia, Georgia 3 $ 1,045,000 $ 348,333 $ 126,000
Fayette, Georgia 3 $ 975,000 $ 325,000 $ 104,000
Henry, Georgia 3 $ 1,505,000 $ 501,666 $ 172,000
Hawaii, Hawaii 3 $ 2,865,000 $ 955,000 $ 210,000
Henry, Illinois 3 $ 345,000 $ 115,000 $ 79,000
Rock Island, Illinois 3 $ 455,000 $ 151,666 $ 53,000
Lake, Indiana 3 $ 1,085,000 $ 361,666 $ 122,000
Boone, Iowa 3 $ 695,000 $ 231,666 $ 109,000
Linn, Kansas 3 $ 225,000 $ 75,000 $ 91,000
Pulaski, Kentucky 3 $ 525,000 $ 175,000 $ 128,000
St. Tammany, Louisiana 3 $ 1,135,000 $ 378,333 $ 105,000
Middlesex, Massachusetts 3 $ 1,765,000 $ 588,333 $ 177,000
Wayne, Michigan 3 $ 885,000 $ 295,000 $ 111,000
Washington, Minnesota 3 $ 1,495,000 $ 498,333 $ 161,000
Harrison, Mississippi 3 $ 1,105,000 $ 368,333 $ 119,000
Adair, Missouri 3 $ 665,000 $ 221,666 $ 275,000
Andrew, Missouri 3 $ 455,000 $ 151,666 $ 51,000
Chariton, Missouri 3 $ 675,000 $ 225,000 $ 108,000
Maries, Missouri 3 $ 745,000 $ 248,333 $ 101,000
Pike, Missouri 3 $ 565,000 $ 188,333 $ 89,000
Ralls, Missouri 3 $ 705,000 $ 235,000 $ 329,000
Missoula, Montana 3 $ 955,000 $ 318,333 $ 93,000
Merrimack, New Hampshire 3 $ 1,895,000 $ 631,666 $ 165,000
Hunterdon, New Jersey 3 $ 1,265,000 $ 421,666 $ 197,000
Union, New Jersey 3 $ 1,235,000 $ 411,666 $ 167,000
Clay, North Carolina 3 $ 1,065,000 $ 355,000 $ 96,000
Henderson, North Carolina 3 $ 685,000 $ 228,333 $ 59,000
Lee, North Carolina 3 $ 955,000 $ 318,333 $ 72,000
Person, North Carolina 3 $ 715,000 $ 238,333 $ 80,000
Watauga, North Carolina 3 $ 1,165,000 $ 388,333 $ 361,000
Cuyahoga, Ohio 3 $ 1,365,000 $ 455,000 $ 134,000
Delaware, Ohio 3 $ 1,085,000 $ 361,666 $ 151,000
Lucas, Ohio 3 $ 585,000 $ 195,000 $ 76,000
Cherokee, Oklahoma 3 $ 965,000 $ 321,666 $ 201,000
Craig, Oklahoma 3 $ 75,000 $ 25,000 $ 39,000
Mayes, Oklahoma 3 $ 1,055,000 $ 351,666 $ 132,000
Washington, Oregon 3 $ 1,855,000 $ 618,333 $ 187,000
Bucks, Pennsylvania 3 $ 865,000 $ 288,333 $ 77,000
Philadelphia, Pennsylvania 3 $ 725,000 $ 241,666 $ 109,000
Providence, Rhode Island 3 $ 1,185,000 $ 395,000 $ 135,000
York, South Carolina 3 $ 1,055,000 $ 351,666 $ 174,000
Montgomery, Tennessee 3 $ 1,165,000 $ 388,333 $ 109,000
Roane, Tennessee 3 $ 1,285,000 $ 428,333 $ 133,000
Brazos, Texas 3 $ 935,000 $ 311,666 $ 101,000
McLennan, Texas 3 $ 835,000 $ 278,333 $ 218,000
Rockwall, Texas 3 $ 1,795,000 $ 598,333 $ 175,000
Taylor, Texas 3 $ 1,175,000 $ 391,666 $ 119,000
Davis, Utah 3 $ 1,405,000 $ 468,333 $ 124,000
Weber, Utah 3 $ 1,505,000 $ 501,666 $ 143,000
Berkeley, West Virginia 3 $ 765,000 $ 255,000 $ 87,000
Jackson, Alabama 2 $ 510,000 $ 255,000 $ 101,000
Montgomery, Alabama 2 $ 380,000 $ 190,000 $ 133,000
Shelby, Alabama 2 $ 610,000 $ 305,000 $ 84,000
Mohave, Arizona 2 $ 720,000 $ 360,000 $ 192,000
Carroll, Arkansas 2 $ 870,000 $ 435,000 $ 161,000
Crawford, Arkansas 2 $ 280,000 $ 140,000 $ 39,000
Cross, Arkansas 2 $ 790,000 $ 395,000 $ 94,000
Madison, Arkansas 2 $ 150,000 $ 75,000 $ 58,000
Pulaski, Arkansas 2 $ 750,000 $ 375,000 $ 192,000
Chaffee, Colorado 2 $ 1,070,000 $ 535,000 $ 263,000
Elbert, Colorado 2 $ 490,000 $ 245,000 $ 125,000
Gunnison, Colorado 2 $ 90,000 $ 45,000 $ 100,000
Otero, Colorado 2 $ 170,000 $ 85,000 $ 35,000
New London, Connecticut 2 $ 730,000 $ 365,000 $ 113,000
Kent, Delaware 2 $ 880,000 $ 440,000 $ 137,000
Bay, Florida 2 $ 640,000 $ 320,000 $ 97,000
Flagler, Florida 2 $ 950,000 $ 475,000 $ 155,000
Marion, Florida 2 $ 350,000 $ 175,000 $ 38,000
Okeechobee, Florida 2 $ 490,000 $ 245,000 $ 120,000
Wakulla, Florida 2 $ 660,000 $ 330,000 $ 121,000
Camden, Georgia 2 $ 440,000 $ 220,000 $ 94,000
Douglas, Georgia 2 $ 950,000 $ 475,000 $ 140,000
Hall, Georgia 2 $ 690,000 $ 345,000 $ 136,000
McIntosh, Georgia 2 $ 410,000 $ 205,000 $ 96,000
Paulding, Georgia 2 $ 1,010,000 $ 505,000 $ 151,000
Adams, Illinois 2 $ 470,000 $ 235,000 $ 244,000
Johnson, Illinois 2 $ 910,000 $ 455,000 $ 142,000
Winnebago, Illinois 2 $ 330,000 $ 165,000 $ 47,000
Porter, Indiana 2 $ 780,000 $ 390,000 $ 111,000
Adair, Iowa 2 $ 380,000 $ 190,000 $ 65,000
Clarke, Iowa 2 $ 310,000 $ 155,000 $ 129,000
Johnson, Iowa 2 $ 780,000 $ 390,000 $ 304,000
Mahaska, Iowa 2 $ 410,000 $ 205,000 $ 51,000
Marshall, Iowa 2 $ 390,000 $ 195,000 $ 73,000
Riley, Kansas 2 $ 280,000 $ 140,000 $ 334,000
Jefferson, Kentucky 2 $ 830,000 $ 415,000 $ 180,000
Oldham, Kentucky 2 $ 1,280,000 $ 640,000 $ 146,000
Woodford, Kentucky 2 $ 560,000 $ 280,000 $ 96,000
Bossier, Louisiana 2 $ 780,000 $ 390,000 $ 116,000
Lafayette, Louisiana 2 $ 1,330,000 $ 665,000 $ 365,000
Wright, Minnesota 2 $ 480,000 $ 240,000 $ 209,000
DeSoto, Mississippi 2 $ 710,000 $ 355,000 $ 105,000
Madison, Mississippi 2 $ 1,110,000 $ 555,000 $ 151,000
Washington, Mississippi 2 $ 160,000 $ 80,000 $ 27,000
Cape Girardeau, Missouri 2 $ 280,000 $ 140,000 $ 113,000
Cedar, Missouri 2 $ 70,000 $ 35,000 $ 111,000
Grundy, Missouri 2 $ 90,000 $ 45,000 $ 52,000
Marion, Missouri 2 $ 340,000 $ 170,000 $ 96,000
Oregon, Missouri 2 $ 230,000 $ 115,000 $ 81,000
Ozark, Missouri 2 $ 310,000 $ 155,000 $ 113,000
Ste. Genevieve, Missouri 2 $ 460,000 $ 230,000 $ 83,000
Texas, Missouri 2 $ 370,000 $ 185,000 $ 98,000
Cascade, Montana 2 $ 460,000 $ 230,000 $ 161,000
Gallatin, Montana 2 $ 1,050,000 $ 525,000 $ 282,000
Carson City, Nevada 2 $ 370,000 $ 185,000 $ 145,000
Douglas, Nevada 2 $ 760,000 $ 380,000 $ 85,000
Hillsborough, New Hampshire 2 $ 1,070,000 $ 535,000 $ 141,000
Gloucester, New Jersey 2 $ 1,040,000 $ 520,000 $ 224,000
Somerset, New Jersey 2 $ 1,040,000 $ 520,000 $ 212,000
Alamance, North Carolina 2 $ 700,000 $ 350,000 $ 146,000
Currituck, North Carolina 2 $ 1,220,000 $ 610,000 $ 374,000
Davidson, North Carolina 2 $ 940,000 $ 470,000 $ 219,000
Gaston, North Carolina 2 $ 830,000 $ 415,000 $ 135,000
Haywood, North Carolina 2 $ 750,000 $ 375,000 $ 102,000
Iredell, North Carolina 2 $ 920,000 $ 460,000 $ 130,000
Macon, North Carolina 2 $ 820,000 $ 410,000 $ 105,000
Pender, North Carolina 2 $ 1,140,000 $ 570,000 $ 204,000
Pitt, North Carolina 2 $ 540,000 $ 270,000 $ 200,000
Randolph, North Carolina 2 $ 260,000 $ 130,000 $ 47,000
Sampson, North Carolina 2 $ 290,000 $ 145,000 $ 98,000
Swain, North Carolina 2 $ 840,000 $ 420,000 $ 151,000
Union, North Carolina 2 $ 1,170,000 $ 585,000 $ 166,000
Vance, North Carolina 2 $ 440,000 $ 220,000 $ 83,000
Butler, Ohio 2 $ 880,000 $ 440,000 $ 148,000
Lorain, Ohio 2 $ 820,000 $ 410,000 $ 246,000
Mahoning, Ohio 2 $ 540,000 $ 270,000 $ 125,000
Montgomery, Ohio 2 $ 460,000 $ 230,000 $ 87,000
Comanche, Oklahoma 2 $ 610,000 $ 305,000 $ 124,000
Garfield, Oklahoma 2 $ 710,000 $ 355,000 $ 162,000
Nowata, Oklahoma 2 $ 200,000 $ 100,000 $ 96,000
Osage, Oklahoma 2 $ 200,000 $ 100,000 $ 110,000
Pawnee, Oklahoma 2 $ 130,000 $ 65,000 $ 35,000
Deschutes, Oregon 2 $ 1,220,000 $ 610,000 $ 171,000
Lane, Oregon 2 $ 780,000 $ 390,000 $ 128,000
Polk, Oregon 2 $ 960,000 $ 480,000 $ 183,000
Chester, Pennsylvania 2 $ 590,000 $ 295,000 $ 140,000
Clarion, Pennsylvania 2 $ 80,000 $ 40,000 $ 77,000
Delaware, Pennsylvania 2 $ 1,130,000 $ 565,000 $ 198,000
Dorchester, South Carolina 2 $ 790,000 $ 395,000 $ 121,000
Horry, South Carolina 2 $ 760,000 $ 380,000 $ 182,000
Oconee, South Carolina 2 $ 1,410,000 $ 705,000 $ 326,000
Spartanburg, South Carolina 2 $ 580,000 $ 290,000 $ 112,000
Dickson, Tennessee 2 $ 1,040,000 $ 520,000 $ 147,000
Madison, Tennessee 2 $ 450,000 $ 225,000 $ 75,000
Brazoria, Texas 2 $ 530,000 $ 265,000 $ 122,000
Comal, Texas 2 $ 990,000 $ 495,000 $ 207,000
Grayson, Texas 2 $ 650,000 $ 325,000 $ 108,000
Hays, Texas 2 $ 810,000 $ 405,000 $ 109,000
Hidalgo, Texas 2 $ 680,000 $ 340,000 $ 85,000
Hood, Texas 2 $ 420,000 $ 210,000 $ 181,000
Kaufman, Texas 2 $ 640,000 $ 320,000 $ 121,000
Lubbock, Texas 2 $ 470,000 $ 235,000 $ 136,000
Midland, Texas 2 $ 900,000 $ 450,000 $ 121,000
Tom Green, Texas 2 $ 770,000 $ 385,000 $ 143,000
Washington, Utah 2 $ 870,000 $ 435,000 $ 209,000
Alexandria, Virginia 2 $ 750,000 $ 375,000 $ 152,000
Amherst, Virginia 2 $ 700,000 $ 350,000 $ 83,000
Bedford, Virginia 2 $ 810,000 $ 405,000 $ 127,000
James City, Virginia 2 $ 910,000 $ 455,000 $ 159,000
Loudoun, Virginia 2 $ 1,140,000 $ 570,000 $ 134,000
Island, Washington 2 $ 980,000 $ 490,000 $ 173,000
Skagit, Washington 2 $ 1,080,000 $ 540,000 $ 93,000
Spokane, Washington 2 $ 940,000 $ 470,000 $ 113,000
Stevens, Washington 2 $ 990,000 $ 495,000 $ 108,000
Autauga, Alabama 1 $ 335,000 $ 335,000 $ 126,000
Cleburne, Alabama 1 $ 425,000 $ 425,000 $ 282,000
Elmore, Alabama 1 $ 385,000 $ 385,000 $ 90,000
Geneva, Alabama 1 $ 115,000 $ 115,000 $ 49,000
Morgan, Alabama 1 $ 455,000 $ 455,000 $ 123,000
Talladega, Alabama 1 $ 415,000 $ 415,000 $ 85,000
Walker, Alabama 1 $ 305,000 $ 305,000 $ 105,000
Winston, Alabama 1 $ 645,000 $ 645,000 $ 136,000
Fairbanks North Star, Alaska 1 $ 315,000 $ 315,000 $ 203,000
Kodiak Island, Alaska 1 $ 665,000 $ 665,000 $ 98,000
Yuma, Arizona 1 $ 155,000 $ 155,000 $ 171,000
Garland, Arkansas 1 $ 175,000 $ 175,000 $ 60,000
Johnson, Arkansas 1 $ 305,000 $ 305,000 $ 61,000
Montgomery, Arkansas 1 $ 35,000 $ 35,000 $ 110,000
Pope, Arkansas 1 $ 315,000 $ 315,000 $ 142,000
White, Arkansas 1 $ 195,000 $ 195,000 $ 46,000
Colusa, California 1 $ 215,000 $ 215,000 $ 49,000
Del Norte, California 1 $ 305,000 $ 305,000 $ 82,000
El Dorado, California 1 $ 235,000 $ 235,000 $ 134,000
Fresno, California 1 $ 375,000 $ 375,000 $ 80,000
Kern, California 1 $ 355,000 $ 355,000 $ 186,000
Nevada, California 1 $ 445,000 $ 445,000 $ 148,000
Placer, California 1 $ 645,000 $ 645,000 $ 204,000
Sacramento, California 1 $ 615,000 $ 615,000 $ 220,000
San Francisco, California 1 $ 665,000 $ 665,000 $ 331,000
San Joaquin, California 1 $ 515,000 $ 515,000 $ 379,000
San Mateo, California 1 $ 225,000 $ 225,000 $ 56,000
Santa Barbara, California 1 $ 525,000 $ 525,000 $ 214,000
Santa Cruz, California 1 $ 645,000 $ 645,000 $ 171,000
Solano, California 1 $ 705,000 $ 705,000 $ 183,000
Stanislaus, California 1 $ 465,000 $ 465,000 $ 125,000
Yuba, California 1 $ 395,000 $ 395,000 $ 140,000
Conejos, Colorado 1 $ 405,000 $ 405,000 $ 79,000
Garfield, Colorado 1 $ 635,000 $ 635,000 $ 221,000
Gilpin, Colorado 1 $ 405,000 $ 405,000 $ 86,000
Lake, Colorado 1 $ 285,000 $ 285,000 $ 47,000
Logan, Colorado 1 $ 95,000 $ 95,000 $ 42,000
Moffat, Colorado 1 $ 215,000 $ 215,000 $ 91,000
Montrose, Colorado 1 $ 1,035,000 $ 1,035,000 $ 168,000
Morgan, Colorado 1 $ 35,000 $ 35,000 $ 40,000
Park, Colorado 1 $ 445,000 $ 445,000 $ 108,000
Pitkin, Colorado 1 $ 6,515,000 $ 6,515,000 $ 740,000
Prowers, Colorado 1 $ 115,000 $ 115,000 $ 57,000
Routt, Colorado 1 $ 305,000 $ 305,000 $ 0
Sedgwick, Colorado 1 $ 75,000 $ 75,000 $ 19,000
Litchfield, Connecticut 1 $ 475,000 $ 475,000 $ 297,000
Middlesex, Connecticut 1 $ 345,000 $ 345,000 $ 161,000
New Haven, Connecticut 1 $ 425,000 $ 425,000 $ 172,000
Alachua, Florida 1 $ 565,000 $ 565,000 $ 136,000
Charlotte, Florida 1 $ 525,000 $ 525,000 $ 171,000
Citrus, Florida 1 $ 155,000 $ 155,000 $ 81,000
Highlands, Florida 1 $ 295,000 $ 295,000 $ 113,000
Lake, Florida 1 $ 435,000 $ 435,000 $ 179,000
Nassau, Florida 1 $ 135,000 $ 135,000 $ 22,000
Sumter, Florida 1 $ 85,000 $ 85,000 $ 45,000
Barrow, Georgia 1 $ 705,000 $ 705,000 $ 200,000
Bryan, Georgia 1 $ 325,000 $ 325,000 $ 120,000
Carroll, Georgia 1 $ 325,000 $ 325,000 $ 88,000
Catoosa, Georgia 1 $ 365,000 $ 365,000 $ 109,000
Chatham, Georgia 1 $ 335,000 $ 335,000 $ 98,000
Clarke, Georgia 1 $ 65,000 $ 65,000 $ 43,000
Clayton, Georgia 1 $ 155,000 $ 155,000 $ 363,000
Dawson, Georgia 1 $ 395,000 $ 395,000 $ 65,000
Effingham, Georgia 1 $ 365,000 $ 365,000 $ 113,000
Floyd, Georgia 1 $ 225,000 $ 225,000 $ 115,000
Gordon, Georgia 1 $ 475,000 $ 475,000 $ 88,000
Habersham, Georgia 1 $ 415,000 $ 415,000 $ 127,000
Harris, Georgia 1 $ 475,000 $ 475,000 $ 96,000
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Mortgage Loan Application Detail Totals for The Central Trust Bank in 2022

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 7,069 $2,319,765,000 $328,000 $26,265,000 $139,000 $7,492,000
Other Purpose 1,753 $161,795,000 $92,000 $6,515,000 $126,000 $9,226,000
Cash-out Refinancing 1,688 $372,770,000 $220,000 $21,005,000 $120,000 $4,709,000
Home Improvement 1,353 $101,725,000 $75,000 $1,755,000 $116,000 $1,600,000
Refinancing 864 $245,930,000 $284,000 $14,555,000 $145,000 $4,709,000
Not Applicable 1 $55,000 $55,000 $55,000 $82,000 $82,000

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 9,451 $2,083,995,000 $220,000 $6,515,000 $129,000 $9,226,000
Not Provided 983 $294,705,000 $299,000 $4,255,000 $158,000 $7,492,000
Not applicable 713 $335,335,000 $470,000 $26,265,000 $0 $0
Black or African American 436 $100,810,000 $231,000 $3,425,000 $118,000 $8,560,000
Hispanic 436 $124,990,000 $286,000 $1,495,000 $129,000 $4,508,000
Asian 432 $172,010,000 $398,000 $1,505,000 $162,000 $1,600,000
American Indian or Alaskan Native 120 $26,560,000 $221,000 $1,035,000 $105,000 $433,000
Native Hawaiian or Other Pacific Islander 7 $2,005,000 $286,000 $535,000 $164,000 $301,000

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) 11,399 $2,759,715,000 $242,000 $26,265,000 $137,000 $9,226,000
VA-guaranteed (Veterans Administration) 704 $297,900,000 $423,000 $1,565,000 $124,000 $515,000
FHA-insured (Federal Housing Administration) 520 $126,120,000 $242,000 $905,000 $79,000 $302,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 105 $18,305,000 $174,000 $345,000 $59,000 $102,000

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 9,404 $2,465,980,000 $262,000 $26,265,000 $137,000 $8,560,000
Application Withdrawn By Applicant 2,328 $617,740,000 $265,000 $1,975,000 $132,000 $4,508,000
Application Denied By Financial Institution 909 $101,765,000 $111,000 $1,505,000 $97,000 $9,226,000
Application Approved But Not Accepted 46 $8,830,000 $191,000 $905,000 $115,000 $562,000
File Closed For Incompleteness 26 $4,660,000 $179,000 $575,000 $83,000 $180,000
Loan Purchased By The Institution 13 $2,655,000 $204,000 $525,000 $91,000 $181,000
Preapproval Approved but not Accepted 1 $285,000 $285,000 $285,000 $94,000 $94,000
Preapproval Denied by Financial Institution 1 $125,000 $125,000 $125,000 $38,000 $38,000

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 11,818 $3,100,150,000 $262,000 $26,265,000 $136,000 $8,560,000
Credit History 418 $28,650,000 $68,000 $775,000 $117,000 $9,226,000
Debt-To-Income Ratio 306 $46,580,000 $152,000 $1,505,000 $62,000 $428,000
Collateral 129 $14,735,000 $114,000 $925,000 $113,000 $1,209,000
Other 26 $3,940,000 $151,000 $695,000 $103,000 $615,000
Insufficient Cash (Downpayment, Closing Cost) 11 $3,935,000 $357,000 $595,000 $138,000 $402,000
Unverifiable Information 10 $2,160,000 $216,000 $605,000 $114,000 $275,000
Employment History 8 $1,840,000 $230,000 $935,000 $65,000 $240,000
Credit Application Incomplete 2 $50,000 $25,000 $35,000 $34,000 $52,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into The Central Trust Bank's 2022 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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