The Central Trust Bank Mortgage Lending & HMDA Data, 2023

In 2023, The Central Trust Bank of Jefferson City, MO reported 11,279 mortgage applications totaling $2.8 billion, down 11% from 2022. The average application was for $245,218, and applicants reported an average income of $133,384. 67% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Kansas City, MO-KS (1,201), St. Louis, MO-IL (1,149) and Jefferson City, MO (1,044) (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 11,279
Total Mortgage Loan Application Amount $2,765,815,000
Average Mortgage Loan Application Amount $245,218
Highest Mortgage Loan Application Amount $5,005,000
Average Applicant Income $133,384
Highest Applicant Income $3,231,000

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(HMDA) records The Central Trust Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Boone, Missouri 917 $ 182,985,000 $ 199,547 $ 135,000
Cole, Missouri 693 $ 96,565,000 $ 139,343 $ 106,000
St. Louis, Missouri 508 $ 122,990,000 $ 242,106 $ 141,000
Camden, Missouri 498 $ 110,430,000 $ 221,746 $ 158,000
Greene, Missouri 493 $ 78,205,000 $ 158,630 $ 114,000
Jackson, Missouri 370 $ 59,660,000 $ 161,243 $ 104,000
Johnson, Kansas 295 $ 63,295,000 $ 214,559 $ 141,000
El Paso, Colorado 282 $ 107,920,000 $ 382,695 $ 136,000
Callaway, Missouri 251 $ 31,625,000 $ 125,996 $ 95,000
Taney, Missouri 235 $ 37,555,000 $ 159,808 $ 99,000
Christian, Missouri 233 $ 42,055,000 $ 180,493 $ 110,000
St. Charles, Missouri 232 $ 60,080,000 $ 258,965 $ 149,000
Oklahoma, Oklahoma 225 $ 67,145,000 $ 298,422 $ 182,000
St. Louis City, Missouri 224 $ 48,850,000 $ 218,080 $ 130,000
Polk, Iowa 215 $ 49,365,000 $ 229,604 $ 113,000
Miller, Missouri 211 $ 31,275,000 $ 148,222 $ 100,000
Pettis, Missouri 199 $ 18,475,000 $ 92,839 $ 82,000
Clay, Missouri 168 $ 29,600,000 $ 176,190 $ 109,000
Wake, North Carolina 142 $ 58,330,000 $ 410,774 $ 188,000
Tulsa, Oklahoma 140 $ 30,170,000 $ 215,500 $ 111,000
Morgan, Missouri 133 $ 20,395,000 $ 153,345 $ 103,000
Benton, Arkansas 128 $ 39,330,000 $ 307,265 $ 167,000
Johnson, Missouri 103 $ 18,655,000 $ 181,116 $ 99,000
Stone, Missouri 102 $ 18,490,000 $ 181,274 $ 125,000
Randolph, Missouri 95 $ 11,215,000 $ 118,052 $ 85,000
La Plata, Colorado 92 $ 34,470,000 $ 374,673 $ 175,000
Platte, Missouri 91 $ 15,485,000 $ 170,164 $ 125,000
Archuleta, Colorado 83 $ 23,135,000 $ 278,734 $ 134,000
Moniteau, Missouri 75 $ 7,785,000 $ 103,800 $ 76,000
Webster, Missouri 75 $ 12,305,000 $ 164,066 $ 81,000
Audrain, Missouri 70 $ 7,370,000 $ 105,285 $ 92,000
Cass, Missouri 68 $ 9,880,000 $ 145,294 $ 116,000
Lafayette, Missouri 66 $ 8,730,000 $ 132,272 $ 91,000
Williamson, Tennessee 62 $ 42,530,000 $ 685,967 $ 217,000
Cooper, Missouri 60 $ 6,230,000 $ 103,833 $ 92,000
Wyandotte, Kansas 58 $ 11,490,000 $ 198,103 $ 82,000
Collier, Florida 57 $ 22,505,000 $ 394,824 $ 211,000
Douglas, Kansas 54 $ 7,750,000 $ 143,518 $ 116,000
Franklin, Missouri 54 $ 10,420,000 $ 192,962 $ 92,000
Fremont, Colorado 52 $ 13,910,000 $ 267,500 $ 100,000
Davidson, Tennessee 51 $ 19,255,000 $ 377,549 $ 129,000
Harris, Texas 51 $ 21,215,000 $ 415,980 $ 192,000
Cherokee, North Carolina 50 $ 12,020,000 $ 240,400 $ 115,000
Jefferson, Missouri 49 $ 9,915,000 $ 202,346 $ 123,000
Canadian, Oklahoma 46 $ 13,430,000 $ 291,956 $ 156,000
Jasper, Missouri 42 $ 7,430,000 $ 176,904 $ 97,000
Washington, Arkansas 41 $ 13,075,000 $ 318,902 $ 160,000
Sedgwick, Kansas 41 $ 10,035,000 $ 244,756 $ 109,000
Durham, North Carolina 38 $ 14,810,000 $ 389,736 $ 193,000
Cook, Illinois 37 $ 15,035,000 $ 406,351 $ 184,000
Benton, Missouri 34 $ 3,810,000 $ 112,058 $ 109,000
Cleveland, Oklahoma 34 $ 13,330,000 $ 392,058 $ 134,000
Maricopa, Arizona 31 $ 15,765,000 $ 508,548 $ 173,000
Lee, Florida 30 $ 12,440,000 $ 414,666 $ 225,000
St. Clair, Illinois 30 $ 4,840,000 $ 161,333 $ 135,000
Collin, Texas 30 $ 15,330,000 $ 511,000 $ 194,000
Dallas, Iowa 29 $ 8,045,000 $ 277,413 $ 141,000
Gasconade, Missouri 29 $ 4,135,000 $ 142,586 $ 89,000
Clark, Nevada 29 $ 15,685,000 $ 540,862 $ 317,000
Phelps, Missouri 28 $ 4,200,000 $ 150,000 $ 85,000
Ray, Missouri 28 $ 2,930,000 $ 104,642 $ 82,000
Creek, Oklahoma 28 $ 4,910,000 $ 175,357 $ 94,000
Rogers, Oklahoma 26 $ 5,310,000 $ 204,230 $ 99,000
Osage, Missouri 25 $ 11,755,000 $ 470,200 $ 81,000
Polk, Missouri 23 $ 2,875,000 $ 125,000 $ 64,000
Arapahoe, Colorado 22 $ 9,400,000 $ 427,272 $ 179,000
Warren, Iowa 21 $ 5,435,000 $ 258,809 $ 113,000
Leavenworth, Kansas 21 $ 3,805,000 $ 181,190 $ 120,000
Lincoln, Missouri 21 $ 4,105,000 $ 195,476 $ 105,000
Wagoner, Oklahoma 21 $ 5,405,000 $ 257,380 $ 148,000
Johnston, North Carolina 20 $ 5,980,000 $ 299,000 $ 130,000
Denton, Texas 20 $ 8,930,000 $ 446,500 $ 168,000
Travis, Texas 20 $ 10,250,000 $ 512,500 $ 205,000
Williamson, Texas 20 $ 8,950,000 $ 447,500 $ 192,000
Pueblo, Colorado 19 $ 4,845,000 $ 255,000 $ 81,000
Rutherford, Tennessee 19 $ 7,545,000 $ 397,105 $ 147,000
Bexar, Texas 19 $ 9,505,000 $ 500,263 $ 299,000
King, Washington 19 $ 12,295,000 $ 647,105 $ 282,000
Denver, Colorado 18 $ 6,740,000 $ 374,444 $ 192,000
Broward, Florida 18 $ 12,880,000 $ 715,555 $ 242,000
Clinton, Missouri 18 $ 1,850,000 $ 102,777 $ 81,000
Mecklenburg, North Carolina 18 $ 7,770,000 $ 431,666 $ 166,000
Fairfax, Virginia 18 $ 13,550,000 $ 752,777 $ 275,000
Orange, Florida 17 $ 9,795,000 $ 576,176 $ 169,000
Buchanan, Missouri 17 $ 1,705,000 $ 100,294 $ 140,000
Gwinnett, Georgia 15 $ 5,595,000 $ 373,000 $ 137,000
Pulaski, Missouri 15 $ 2,985,000 $ 199,000 $ 91,000
Warren, Missouri 15 $ 1,955,000 $ 130,333 $ 112,000
Logan, Oklahoma 15 $ 3,725,000 $ 248,333 $ 132,000
Hennepin, Minnesota 14 $ 5,680,000 $ 405,714 $ 146,000
Howard, Missouri 14 $ 1,590,000 $ 113,571 $ 81,000
Laclede, Missouri 14 $ 2,310,000 $ 165,000 $ 48,000
Dallas, Texas 14 $ 6,500,000 $ 464,285 $ 193,000
Douglas, Colorado 13 $ 8,025,000 $ 617,307 $ 265,000
Hillsborough, Florida 13 $ 6,285,000 $ 483,461 $ 175,000
Miami, Kansas 13 $ 2,085,000 $ 160,384 $ 120,000
Tarrant, Texas 13 $ 5,475,000 $ 421,153 $ 181,000
Franklin, Kansas 12 $ 2,580,000 $ 215,000 $ 96,000
Dallas, Missouri 12 $ 1,210,000 $ 100,833 $ 63,000
Jefferson, Alabama 11 $ 4,865,000 $ 442,272 $ 172,000
Jefferson, Colorado 11 $ 4,845,000 $ 440,454 $ 147,000
Miami-Dade, Florida 11 $ 2,935,000 $ 266,818 $ 172,000
Palm Beach, Florida 11 $ 6,285,000 $ 571,363 $ 220,000
Will, Illinois 11 $ 5,025,000 $ 456,818 $ 175,000
Butler, Missouri 11 $ 1,375,000 $ 125,000 $ 65,000
Crawford, Missouri 11 $ 1,655,000 $ 150,454 $ 90,000
Lawrence, Missouri 11 $ 2,065,000 $ 187,727 $ 105,000
Newton, Missouri 11 $ 2,595,000 $ 235,909 $ 122,000
Saline, Missouri 11 $ 1,155,000 $ 105,000 $ 80,000
Bergen, New Jersey 11 $ 5,125,000 $ 465,909 $ 189,000
Duval, Florida 10 $ 3,460,000 $ 346,000 $ 225,000
Madison, Illinois 10 $ 1,770,000 $ 177,000 $ 108,000
Barry, Missouri 10 $ 1,450,000 $ 145,000 $ 89,000
Washoe, Nevada 10 $ 4,250,000 $ 425,000 $ 114,000
Harnett, North Carolina 10 $ 3,210,000 $ 321,000 $ 116,000
Osage, Oklahoma 10 $ 2,300,000 $ 230,000 $ 107,000
Los Angeles, California 9 $ 8,075,000 $ 897,222 $ 402,000
Adams, Colorado 9 $ 3,345,000 $ 371,666 $ 158,000
Pasco, Florida 9 $ 4,845,000 $ 538,333 $ 202,000
Sarasota, Florida 9 $ 3,805,000 $ 422,777 $ 214,000
Cobb, Georgia 9 $ 3,715,000 $ 412,777 $ 165,000
Butler, Kansas 9 $ 2,505,000 $ 278,333 $ 102,000
Henry, Missouri 9 $ 945,000 $ 105,000 $ 57,000
Chatham, North Carolina 9 $ 3,765,000 $ 418,333 $ 169,000
Sumner, Tennessee 9 $ 4,905,000 $ 545,000 $ 160,000
Prince William, Virginia 9 $ 5,745,000 $ 638,333 $ 212,000
Boone, Arkansas 8 $ 1,070,000 $ 133,750 $ 102,000
Hartford, Connecticut 8 $ 3,350,000 $ 418,750 $ 208,000
District of Columbia, District Of Columbia 8 $ 5,710,000 $ 713,750 $ 237,000
Fulton, Georgia 8 $ 3,570,000 $ 446,250 $ 178,000
Maries, Missouri 8 $ 1,170,000 $ 146,250 $ 85,000
Pitt, North Carolina 8 $ 3,590,000 $ 448,750 $ 153,000
Delaware, Oklahoma 8 $ 3,700,000 $ 462,500 $ 248,000
Washington, Oklahoma 8 $ 1,680,000 $ 210,000 $ 74,000
Philadelphia, Pennsylvania 8 $ 3,820,000 $ 477,500 $ 255,000
Fort Bend, Texas 8 $ 3,390,000 $ 423,750 $ 220,000
Montgomery, Texas 8 $ 3,440,000 $ 430,000 $ 175,000
Pierce, Washington 8 $ 4,370,000 $ 546,250 $ 178,000
Pinal, Arizona 7 $ 2,985,000 $ 426,428 $ 123,000
Carroll, Arkansas 7 $ 1,515,000 $ 216,428 $ 97,000
Montrose, Colorado 7 $ 2,125,000 $ 303,571 $ 171,000
Teller, Colorado 7 $ 2,745,000 $ 392,142 $ 115,000
Brevard, Florida 7 $ 3,605,000 $ 515,000 $ 269,000
Osceola, Florida 7 $ 2,235,000 $ 319,285 $ 178,000
Marion, Iowa 7 $ 1,115,000 $ 159,285 $ 65,000
Essex, New Jersey 7 $ 2,965,000 $ 423,571 $ 217,000
Clay, North Carolina 7 $ 2,315,000 $ 330,714 $ 148,000
New Hanover, North Carolina 7 $ 2,385,000 $ 340,714 $ 153,000
Orange, North Carolina 7 $ 3,615,000 $ 516,428 $ 206,000
Comanche, Oklahoma 7 $ 1,625,000 $ 232,142 $ 109,000
Greenville, South Carolina 7 $ 2,775,000 $ 396,428 $ 152,000
Comal, Texas 7 $ 3,675,000 $ 525,000 $ 269,000
Clark, Washington 7 $ 3,895,000 $ 556,428 $ 225,000
Madison, Alabama 6 $ 2,060,000 $ 343,333 $ 157,000
Pulaski, Arkansas 6 $ 1,880,000 $ 313,333 $ 174,000
San Diego, California 6 $ 4,040,000 $ 673,333 $ 215,000
Larimer, Colorado 6 $ 1,560,000 $ 260,000 $ 145,000
St. Johns, Florida 6 $ 3,780,000 $ 630,000 $ 228,000
Volusia, Florida 6 $ 1,960,000 $ 326,666 $ 156,000
DeKalb, Georgia 6 $ 3,250,000 $ 541,666 $ 216,000
Story, Iowa 6 $ 1,450,000 $ 241,666 $ 71,000
Oakland, Michigan 6 $ 2,660,000 $ 443,333 $ 154,000
Wright, Missouri 6 $ 880,000 $ 146,666 $ 82,000
Hillsborough, New Hampshire 6 $ 1,880,000 $ 313,333 $ 105,000
Bernalillo, New Mexico 6 $ 3,040,000 $ 506,666 $ 190,000
Alamance, North Carolina 6 $ 2,290,000 $ 381,666 $ 125,000
Brunswick, North Carolina 6 $ 2,440,000 $ 406,666 $ 180,000
Guilford, North Carolina 6 $ 1,110,000 $ 185,000 $ 99,000
Onslow, North Carolina 6 $ 1,880,000 $ 313,333 $ 120,000
Okmulgee, Oklahoma 6 $ 1,290,000 $ 215,000 $ 92,000
Multnomah, Oregon 6 $ 2,440,000 $ 406,666 $ 142,000
Horry, South Carolina 6 $ 2,120,000 $ 353,333 $ 168,000
Salt Lake, Utah 6 $ 3,490,000 $ 581,666 $ 191,000
Utah, Utah 6 $ 1,870,000 $ 311,666 $ 173,000
Virginia Beach, Virginia 6 $ 2,670,000 $ 445,000 $ 149,000
Baldwin, Alabama 5 $ 2,595,000 $ 519,000 $ 213,000
Shelby, Alabama 5 $ 2,055,000 $ 411,000 $ 266,000
Pima, Arizona 5 $ 2,215,000 $ 443,000 $ 170,000
Alameda, California 5 $ 3,395,000 $ 679,000 $ 235,000
Riverside, California 5 $ 3,075,000 $ 615,000 $ 215,000
Boulder, Colorado 5 $ 2,355,000 $ 471,000 $ 170,000
Montezuma, Colorado 5 $ 1,205,000 $ 241,000 $ 140,000
Fairfield, Connecticut 5 $ 2,915,000 $ 583,000 $ 348,000
Bay, Florida 5 $ 1,345,000 $ 269,000 $ 126,000
Pinellas, Florida 5 $ 2,075,000 $ 415,000 $ 379,000
Polk, Florida 5 $ 1,865,000 $ 373,000 $ 138,000
Seminole, Florida 5 $ 1,635,000 $ 327,000 $ 143,000
Cherokee, Georgia 5 $ 2,565,000 $ 513,000 $ 187,000
Fayette, Georgia 5 $ 3,025,000 $ 605,000 $ 265,000
Towns, Georgia 5 $ 1,545,000 $ 309,000 $ 127,000
Union, Georgia 5 $ 1,035,000 $ 207,000 $ 98,000
DuPage, Illinois 5 $ 1,755,000 $ 351,000 $ 118,000
Kane, Illinois 5 $ 1,725,000 $ 345,000 $ 128,000
Jefferson, Louisiana 5 $ 1,475,000 $ 295,000 $ 96,000
Orleans, Louisiana 5 $ 1,805,000 $ 361,000 $ 244,000
Cumberland, Maine 5 $ 2,455,000 $ 491,000 $ 198,000
Dade, Missouri 5 $ 825,000 $ 165,000 $ 121,000
Monroe, Missouri 5 $ 1,095,000 $ 219,000 $ 104,000
St. Francois, Missouri 5 $ 905,000 $ 181,000 $ 108,000
Gallatin, Montana 5 $ 4,955,000 $ 991,000 $ 273,000
Middlesex, New Jersey 5 $ 2,575,000 $ 515,000 $ 171,000
Buncombe, North Carolina 5 $ 1,735,000 $ 347,000 $ 129,000
Carteret, North Carolina 5 $ 1,545,000 $ 309,000 $ 169,000
Cumberland, North Carolina 5 $ 1,265,000 $ 253,000 $ 123,000
Dare, North Carolina 5 $ 1,625,000 $ 325,000 $ 157,000
Franklin, North Carolina 5 $ 1,245,000 $ 249,000 $ 139,000
Moore, North Carolina 5 $ 2,345,000 $ 469,000 $ 153,000
Pender, North Carolina 5 $ 2,505,000 $ 501,000 $ 261,000
Mayes, Oklahoma 5 $ 1,025,000 $ 205,000 $ 120,000
Washington, Oregon 5 $ 2,395,000 $ 479,000 $ 186,000
Beaufort, South Carolina 5 $ 2,135,000 $ 427,000 $ 233,000
Arlington, Virginia 5 $ 3,265,000 $ 653,000 $ 231,000
Snohomish, Washington 5 $ 3,355,000 $ 671,000 $ 193,000
Newton, Arkansas 4 $ 660,000 $ 165,000 $ 57,000
Pope, Arkansas 4 $ 510,000 $ 127,500 $ 50,000
San Bernardino, California 4 $ 1,280,000 $ 320,000 $ 92,000
Custer, Colorado 4 $ 1,090,000 $ 272,500 $ 139,000
San Juan, Colorado 4 $ 1,160,000 $ 290,000 $ 123,000
Weld, Colorado 4 $ 1,620,000 $ 405,000 $ 93,000
Sumter, Florida 4 $ 1,100,000 $ 275,000 $ 207,000
Houston, Georgia 4 $ 1,350,000 $ 337,500 $ 130,000
Ada, Idaho 4 $ 2,090,000 $ 522,500 $ 150,000
Lake, Illinois 4 $ 2,130,000 $ 532,500 $ 260,000
Monroe, Illinois 4 $ 780,000 $ 195,000 $ 112,000
Hamilton, Indiana 4 $ 1,880,000 $ 470,000 $ 133,000
Jasper, Iowa 4 $ 690,000 $ 172,500 $ 82,000
Fayette, Kentucky 4 $ 1,000,000 $ 250,000 $ 187,000
Anoka, Minnesota 4 $ 1,430,000 $ 357,500 $ 141,000
Cedar, Missouri 4 $ 490,000 $ 122,500 $ 120,000
DeKalb, Missouri 4 $ 190,000 $ 47,500 $ 102,000
Dent, Missouri 4 $ 870,000 $ 217,500 $ 67,000
Montgomery, Missouri 4 $ 650,000 $ 162,500 $ 125,000
Burlington, New Jersey 4 $ 1,550,000 $ 387,500 $ 169,000
Mercer, New Jersey 4 $ 1,950,000 $ 487,500 $ 240,000
Monmouth, New Jersey 4 $ 2,990,000 $ 747,500 $ 282,000
Morris, New Jersey 4 $ 2,440,000 $ 610,000 $ 312,000
Passaic, New Jersey 4 $ 1,890,000 $ 472,500 $ 125,000
Dona Ana, New Mexico 4 $ 1,700,000 $ 425,000 $ 217,000
Forsyth, North Carolina 4 $ 1,700,000 $ 425,000 $ 140,000
Henderson, North Carolina 4 $ 1,430,000 $ 357,500 $ 153,000
Watauga, North Carolina 4 $ 940,000 $ 235,000 $ 165,000
Franklin, Ohio 4 $ 2,070,000 $ 517,500 $ 257,000
Clackamas, Oregon 4 $ 2,040,000 $ 510,000 $ 231,000
Chester, Pennsylvania 4 $ 1,610,000 $ 402,500 $ 122,000
Richland, South Carolina 4 $ 1,260,000 $ 315,000 $ 214,000
Montgomery, Tennessee 4 $ 950,000 $ 237,500 $ 85,000
Wilson, Tennessee 4 $ 1,260,000 $ 315,000 $ 96,000
Hays, Texas 4 $ 2,140,000 $ 535,000 $ 221,000
Henrico, Virginia 4 $ 1,760,000 $ 440,000 $ 103,000
Richmond City, Virginia 4 $ 1,280,000 $ 320,000 $ 255,000
Stafford, Virginia 4 $ 2,120,000 $ 530,000 $ 151,000
Crawford, Arkansas 3 $ 605,000 $ 201,666 $ 78,000
Madison, Arkansas 3 $ 595,000 $ 198,333 $ 113,000
Orange, California 3 $ 2,265,000 $ 755,000 $ 198,000
Sacramento, California 3 $ 1,225,000 $ 408,333 $ 121,000
Santa Clara, California 3 $ 1,615,000 $ 538,333 $ 151,000
New London, Connecticut 3 $ 1,195,000 $ 398,333 $ 260,000
Charlotte, Florida 3 $ 1,135,000 $ 378,333 $ 189,000
Manatee, Florida 3 $ 1,085,000 $ 361,666 $ 170,000
Marion, Florida 3 $ 1,535,000 $ 511,666 $ 162,000
Monroe, Florida 3 $ 4,235,000 $ 1,411,666 $ 608,000
Okaloosa, Florida 3 $ 2,705,000 $ 901,666 $ 359,000
Bulloch, Georgia 3 $ 1,085,000 $ 361,666 $ 85,000
Catoosa, Georgia 3 $ 825,000 $ 275,000 $ 191,000
Columbia, Georgia 3 $ 1,155,000 $ 385,000 $ 152,000
Forsyth, Georgia 3 $ 1,735,000 $ 578,333 $ 204,000
Marion, Indiana 3 $ 1,285,000 $ 428,333 $ 181,000
Johnson, Iowa 3 $ 935,000 $ 311,666 $ 166,000
Madison, Iowa 3 $ 655,000 $ 218,333 $ 139,000
Atchison, Kansas 3 $ 345,000 $ 115,000 $ 62,000
Jefferson, Kansas 3 $ 405,000 $ 135,000 $ 83,000
Jefferson, Kentucky 3 $ 725,000 $ 241,666 $ 96,000
Pulaski, Kentucky 3 $ 505,000 $ 168,333 $ 76,000
Dakota, Minnesota 3 $ 975,000 $ 325,000 $ 142,000
Ramsey, Minnesota 3 $ 785,000 $ 261,666 $ 117,000
Washington, Minnesota 3 $ 1,185,000 $ 395,000 $ 155,000
Lafayette, Mississippi 3 $ 555,000 $ 185,000 $ 75,000
Newton, Mississippi 3 $ 1,295,000 $ 431,666 $ 114,000
Adair, Missouri 3 $ 415,000 $ 138,333 $ 67,000
Bates, Missouri 3 $ 355,000 $ 118,333 $ 68,000
Douglas, Missouri 3 $ 285,000 $ 95,000 $ 82,000
Howell, Missouri 3 $ 375,000 $ 125,000 $ 95,000
Missoula, Montana 3 $ 1,405,000 $ 468,333 $ 61,000
Sarpy, Nebraska 3 $ 1,135,000 $ 378,333 $ 166,000
Hudson, New Jersey 3 $ 1,465,000 $ 488,333 $ 215,000
Hunterdon, New Jersey 3 $ 1,995,000 $ 665,000 $ 194,000
Santa Fe, New Mexico 3 $ 845,000 $ 281,666 $ 64,000
Hoke, North Carolina 3 $ 625,000 $ 208,333 $ 88,000
Cuyahoga, Ohio 3 $ 555,000 $ 185,000 $ 115,000
Greene, Ohio 3 $ 995,000 $ 331,666 $ 138,000
Warren, Ohio 3 $ 1,425,000 $ 475,000 $ 229,000
Grady, Oklahoma 3 $ 915,000 $ 305,000 $ 131,000
McClain, Oklahoma 3 $ 1,205,000 $ 401,666 $ 196,000
Muskogee, Oklahoma 3 $ 665,000 $ 221,666 $ 85,000
Pottawatomie, Oklahoma 3 $ 725,000 $ 241,666 $ 117,000
Deschutes, Oregon 3 $ 2,045,000 $ 681,666 $ 156,000
Bucks, Pennsylvania 3 $ 1,275,000 $ 425,000 $ 146,000
Montgomery, Pennsylvania 3 $ 1,445,000 $ 481,666 $ 183,000
Newport, Rhode Island 3 $ 1,575,000 $ 525,000 $ 315,000
Aiken, South Carolina 3 $ 945,000 $ 315,000 $ 122,000
Dorchester, South Carolina 3 $ 765,000 $ 255,000 $ 133,000
Lexington, South Carolina 3 $ 615,000 $ 205,000 $ 136,000
Oconee, South Carolina 3 $ 1,445,000 $ 481,666 $ 274,000
Dickson, Tennessee 3 $ 1,695,000 $ 565,000 $ 119,000
Hamilton, Tennessee 3 $ 2,645,000 $ 881,666 $ 265,000
Galveston, Texas 3 $ 1,105,000 $ 368,333 $ 167,000
McLennan, Texas 3 $ 1,625,000 $ 541,666 $ 206,000
Parker, Texas 3 $ 2,635,000 $ 878,333 $ 367,000
Albemarle, Virginia 3 $ 1,125,000 $ 375,000 $ 186,000
Loudoun, Virginia 3 $ 2,335,000 $ 778,333 $ 169,000
Calhoun, Alabama 2 $ 680,000 $ 340,000 $ 120,000
Houston, Alabama 2 $ 370,000 $ 185,000 $ 146,000
Yavapai, Arizona 2 $ 860,000 $ 430,000 $ 118,000
Baxter, Arkansas 2 $ 740,000 $ 370,000 $ 156,000
Greene, Arkansas 2 $ 120,000 $ 60,000 $ 35,000
Saline, Arkansas 2 $ 830,000 $ 415,000 $ 132,000
Sebastian, Arkansas 2 $ 660,000 $ 330,000 $ 210,000
Contra Costa, California 2 $ 1,340,000 $ 670,000 $ 397,000
Placer, California 2 $ 940,000 $ 470,000 $ 342,000
Crowley, Colorado 2 $ 330,000 $ 165,000 $ 52,000
Gunnison, Colorado 2 $ 840,000 $ 420,000 $ 199,000
Summit, Colorado 2 $ 1,460,000 $ 730,000 $ 305,000
New Haven, Connecticut 2 $ 810,000 $ 405,000 $ 208,000
New Castle, Delaware 2 $ 770,000 $ 385,000 $ 155,000
Sussex, Delaware 2 $ 1,630,000 $ 815,000 $ 369,000
Escambia, Florida 2 $ 690,000 $ 345,000 $ 98,000
Flagler, Florida 2 $ 550,000 $ 275,000 $ 133,000
Hernando, Florida 2 $ 790,000 $ 395,000 $ 145,000
Lake, Florida 2 $ 1,200,000 $ 600,000 $ 181,000
Santa Rosa, Florida 2 $ 550,000 $ 275,000 $ 96,000
Walton, Florida 2 $ 1,420,000 $ 710,000 $ 490,000
Camden, Georgia 2 $ 820,000 $ 410,000 $ 144,000
Clarke, Georgia 2 $ 590,000 $ 295,000 $ 132,000
Coweta, Georgia 2 $ 750,000 $ 375,000 $ 266,000
Gilmer, Georgia 2 $ 1,000,000 $ 500,000 $ 137,000
Muscogee, Georgia 2 $ 870,000 $ 435,000 $ 121,000
Rabun, Georgia 2 $ 1,060,000 $ 530,000 $ 206,000
Richmond, Georgia 2 $ 410,000 $ 205,000 $ 85,000
Troup, Georgia 2 $ 320,000 $ 160,000 $ 166,000
Whitfield, Georgia 2 $ 590,000 $ 295,000 $ 104,000
Honolulu, Hawaii 2 $ 1,450,000 $ 725,000 $ 141,000
Bonneville, Idaho 2 $ 310,000 $ 155,000 $ 91,000
Canyon, Idaho 2 $ 760,000 $ 380,000 $ 72,000
Elmore, Idaho 2 $ 770,000 $ 385,000 $ 81,000
Teton, Idaho 2 $ 1,110,000 $ 555,000 $ 124,000
Peoria, Illinois 2 $ 520,000 $ 260,000 $ 114,000
Calhoun, Iowa 2 $ 240,000 $ 120,000 $ 53,000
Guthrie, Iowa 2 $ 690,000 $ 345,000 $ 105,000
Woodbury, Iowa 2 $ 390,000 $ 195,000 $ 151,000
Ellis, Kansas 2 $ 120,000 $ 60,000 $ 173,000
Geary, Kansas 2 $ 410,000 $ 205,000 $ 291,000
Harvey, Kansas 2 $ 310,000 $ 155,000 $ 83,000
Shawnee, Kansas 2 $ 420,000 $ 210,000 $ 67,000
Daviess, Kentucky 2 $ 550,000 $ 275,000 $ 180,000
Madison, Kentucky 2 $ 330,000 $ 165,000 $ 535,000
Scott, Kentucky 2 $ 480,000 $ 240,000 $ 66,000
Lafayette, Louisiana 2 $ 650,000 $ 325,000 $ 116,000
St. Tammany, Louisiana 2 $ 930,000 $ 465,000 $ 336,000
Penobscot, Maine 2 $ 520,000 $ 260,000 $ 218,000
Livingston, Michigan 2 $ 890,000 $ 445,000 $ 165,000
Macomb, Michigan 2 $ 270,000 $ 135,000 $ 59,000
Washtenaw, Michigan 2 $ 660,000 $ 330,000 $ 207,000
Wayne, Michigan 2 $ 480,000 $ 240,000 $ 181,000
Harrison, Mississippi 2 $ 500,000 $ 250,000 $ 64,000
Jackson, Mississippi 2 $ 430,000 $ 215,000 $ 95,000
Lowndes, Mississippi 2 $ 580,000 $ 290,000 $ 86,000
Cape Girardeau, Missouri 2 $ 300,000 $ 150,000 $ 75,000
Carter, Missouri 2 $ 570,000 $ 285,000 $ 402,000
Daviess, Missouri 2 $ 270,000 $ 135,000 $ 51,000
Dunklin, Missouri 2 $ 160,000 $ 80,000 $ 37,000
Livingston, Missouri 2 $ 240,000 $ 120,000 $ 302,000
Macon, Missouri 2 $ 180,000 $ 90,000 $ 55,000
Marion, Missouri 2 $ 300,000 $ 150,000 $ 190,000
McDonald, Missouri 2 $ 270,000 $ 135,000 $ 41,000
Ralls, Missouri 2 $ 380,000 $ 190,000 $ 231,000
Washington, Missouri 2 $ 220,000 $ 110,000 $ 39,000
Wayne, Missouri 2 $ 260,000 $ 130,000 $ 59,000
Dodge, Nebraska 2 $ 230,000 $ 115,000 $ 41,000
Douglas, Nebraska 2 $ 780,000 $ 390,000 $ 165,000
Madison, Nebraska 2 $ 90,000 $ 45,000 $ 441,000
Rockingham, New Hampshire 2 $ 1,080,000 $ 540,000 $ 267,000
Camden, New Jersey 2 $ 610,000 $ 305,000 $ 96,000
Somerset, New Jersey 2 $ 1,180,000 $ 590,000 $ 275,000
Union, New Jersey 2 $ 1,120,000 $ 560,000 $ 188,000
Colfax, New Mexico 2 $ 330,000 $ 165,000 $ 177,000
San Juan, New Mexico 2 $ 1,050,000 $ 525,000 $ 0
Cabarrus, North Carolina 2 $ 710,000 $ 355,000 $ 196,000
Davie, North Carolina 2 $ 1,080,000 $ 540,000 $ 157,000
Gaston, North Carolina 2 $ 950,000 $ 475,000 $ 196,000
Granville, North Carolina 2 $ 680,000 $ 340,000 $ 92,000
Haywood, North Carolina 2 $ 760,000 $ 380,000 $ 115,000
Iredell, North Carolina 2 $ 390,000 $ 195,000 $ 155,000
Lee, North Carolina 2 $ 430,000 $ 215,000 $ 50,000
Wilson, North Carolina 2 $ 290,000 $ 145,000 $ 126,000
Butler, Ohio 2 $ 940,000 $ 470,000 $ 255,000
Hamilton, Ohio 2 $ 700,000 $ 350,000 $ 191,000
Montgomery, Ohio 2 $ 650,000 $ 325,000 $ 137,000
Summit, Ohio 2 $ 680,000 $ 340,000 $ 164,000
Carter, Oklahoma 2 $ 400,000 $ 200,000 $ 66,000
Cherokee, Oklahoma 2 $ 310,000 $ 155,000 $ 193,000
Kay, Oklahoma 2 $ 1,150,000 $ 575,000 $ 104,000
McIntosh, Oklahoma 2 $ 690,000 $ 345,000 $ 224,000
Pawnee, Oklahoma 2 $ 550,000 $ 275,000 $ 93,000
Payne, Oklahoma 2 $ 250,000 $ 125,000 $ 181,000
Coos, Oregon 2 $ 610,000 $ 305,000 $ 133,000
Allegheny, Pennsylvania 2 $ 600,000 $ 300,000 $ 265,000
Delaware, Pennsylvania 2 $ 890,000 $ 445,000 $ 252,000
Lehigh, Pennsylvania 2 $ 530,000 $ 265,000 $ 93,000
Luzerne, Pennsylvania 2 $ 560,000 $ 280,000 $ 123,000
Schuylkill, Pennsylvania 2 $ 720,000 $ 360,000 $ 142,000
York, Pennsylvania 2 $ 560,000 $ 280,000 $ 99,000
Washington, Rhode Island 2 $ 1,010,000 $ 505,000 $ 199,000
Berkeley, South Carolina 2 $ 540,000 $ 270,000 $ 102,000
Charleston, South Carolina 2 $ 890,000 $ 445,000 $ 168,000
Minnehaha, South Dakota 2 $ 940,000 $ 470,000 $ 376,000
Pennington, South Dakota 2 $ 500,000 $ 250,000 $ 97,000
Knox, Tennessee 2 $ 970,000 $ 485,000 $ 178,000
Maury, Tennessee 2 $ 880,000 $ 440,000 $ 119,000
Shelby, Tennessee 2 $ 980,000 $ 490,000 $ 188,000
Blanco, Texas 2 $ 900,000 $ 450,000 $ 213,000
Ellis, Texas 2 $ 1,010,000 $ 505,000 $ 129,000
Nueces, Texas 2 $ 900,000 $ 450,000 $ 142,000
Davis, Utah 2 $ 1,340,000 $ 670,000 $ 283,000
Charlottesville, Virginia 2 $ 1,000,000 $ 500,000 $ 215,000
Chesapeake, Virginia 2 $ 810,000 $ 405,000 $ 88,000
Chesterfield, Virginia 2 $ 1,050,000 $ 525,000 $ 122,000
Franklin, Virginia 2 $ 780,000 $ 390,000 $ 99,000
James City, Virginia 2 $ 1,160,000 $ 580,000 $ 170,000
Norfolk, Virginia 2 $ 700,000 $ 350,000 $ 94,000
Prince George, Virginia 2 $ 630,000 $ 315,000 $ 75,000
Roanoke, Virginia 2 $ 780,000 $ 390,000 $ 163,000
Roanoke City, Virginia 2 $ 540,000 $ 270,000 $ 127,000
Suffolk, Virginia 2 $ 1,020,000 $ 510,000 $ 96,000
Spokane, Washington 2 $ 1,000,000 $ 500,000 $ 162,000
Thurston, Washington 2 $ 1,240,000 $ 620,000 $ 117,000
Yakima, Washington 2 $ 470,000 $ 235,000 $ 83,000
Berkeley, West Virginia 2 $ 630,000 $ 315,000 $ 104,000
Dane, Wisconsin 2 $ 610,000 $ 305,000 $ 104,000
Kenosha, Wisconsin 2 $ 880,000 $ 440,000 $ 144,000
Milwaukee, Wisconsin 2 $ 670,000 $ 335,000 $ 156,000
Laramie, Wyoming 2 $ 970,000 $ 485,000 $ 182,000
Natrona, Wyoming 2 $ 380,000 $ 190,000 $ 66,000
Dale, Alabama 1 $ 195,000 $ 195,000 $ 65,000
Franklin, Alabama 1 $ 395,000 $ 395,000 $ 142,000
Jackson, Alabama 1 $ 405,000 $ 405,000 $ 134,000
Lawrence, Alabama 1 $ 175,000 $ 175,000 $ 140,000
Lee, Alabama 1 $ 345,000 $ 345,000 $ 122,000
Limestone, Alabama 1 $ 595,000 $ 595,000 $ 287,000
Mobile, Alabama 1 $ 505,000 $ 505,000 $ 301,000
Montgomery, Alabama 1 $ 255,000 $ 255,000 $ 225,000
Morgan, Alabama 1 $ 345,000 $ 345,000 $ 236,000
Tallapoosa, Alabama 1 $ 225,000 $ 225,000 $ 68,000
Fairbanks North Star, Alaska 1 $ 285,000 $ 285,000 $ 166,000
Kenai Peninsula, Alaska 1 $ 855,000 $ 855,000 $ 795,000
Kodiak Island, Alaska 1 $ 705,000 $ 705,000 $ 187,000
Cochise, Arizona 1 $ 435,000 $ 435,000 $ 76,000
Gila, Arizona 1 $ 225,000 $ 225,000 $ 282,000
Mohave, Arizona 1 $ 135,000 $ 135,000 $ 190,000
Navajo, Arizona 1 $ 285,000 $ 285,000 $ 406,000
Faulkner, Arkansas 1 $ 165,000 $ 165,000 $ 0
Franklin, Arkansas 1 $ 125,000 $ 125,000 $ 38,000
Fulton, Arkansas 1 $ 355,000 $ 355,000 $ 135,000
Garland, Arkansas 1 $ 75,000 $ 75,000 $ 165,000
Johnson, Arkansas 1 $ 355,000 $ 355,000 $ 100,000
White, Arkansas 1 $ 405,000 $ 405,000 $ 89,000
Amador, California 1 $ 235,000 $ 235,000 $ 87,000
Inyo, California 1 $ 405,000 $ 405,000 $ 83,000
Kern, California 1 $ 315,000 $ 315,000 $ 84,000
Marin, California 1 $ 955,000 $ 955,000 $ 224,000
Monterey, California 1 $ 525,000 $ 525,000 $ 246,000
Nevada, California 1 $ 615,000 $ 615,000 $ 181,000
San Francisco, California 1 $ 905,000 $ 905,000 $ 202,000
Santa Cruz, California 1 $ 1,095,000 $ 1,095,000 $ 274,000
Stanislaus, California 1 $ 345,000 $ 345,000 $ 110,000
Ventura, California 1 $ 485,000 $ 485,000 $ 116,000
Alamosa, Colorado 1 $ 235,000 $ 235,000 $ 87,000
Baca, Colorado 1 $ 55,000 $ 55,000 $ 34,000
Broomfield, Colorado 1 $ 265,000 $ 265,000 $ 175,000
Elbert, Colorado 1 $ 295,000 $ 295,000 $ 60,000
Grand, Colorado 1 $ 575,000 $ 575,000 $ 398,000
Huerfano, Colorado 1 $ 295,000 $ 295,000 $ 200,000
Las Animas, Colorado 1 $ 235,000 $ 235,000 $ 68,000
Lincoln, Colorado 1 $ 145,000 $ 145,000 $ 61,000
Mesa, Colorado 1 $ 405,000 $ 405,000 $ 117,000
Otero, Colorado 1 $ 135,000 $ 135,000 $ 58,000
Pitkin, Colorado 1 $ 855,000 $ 855,000 $ 415,000
Rio Grande, Colorado 1 $ 305,000 $ 305,000 $ 349,000
Saguache, Colorado 1 $ 465,000 $ 465,000 $ 105,000
Middlesex, Connecticut 1 $ 445,000 $ 445,000 $ 200,000
Tolland, Connecticut 1 $ 395,000 $ 395,000 $ 84,000
Windham, Connecticut 1 $ 225,000 $ 225,000 $ 69,000
Clay, Florida 1 $ 415,000 $ 415,000 $ 141,000
Franklin, Florida 1 $ 835,000 $ 835,000 $ 273,000
Jefferson, Florida 1 $ 205,000 $ 205,000 $ 85,000
Martin, Florida 1 $ 585,000 $ 585,000 $ 443,000
Putnam, Florida 1 $ 215,000 $ 215,000 $ 192,000
St. Lucie, Florida 1 $ 335,000 $ 335,000 $ 122,000
Bryan, Georgia 1 $ 295,000 $ 295,000 $ 84,000
Butts, Georgia 1 $ 405,000 $ 405,000 $ 184,000
Carroll, Georgia 1 $ 295,000 $ 295,000 $ 187,000
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Mortgage Loan Application Detail Totals for The Central Trust Bank in 2023

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 6,814 $2,202,920,000 $323,000 $4,445,000 $145,000 $3,231,000
Other Purpose 1,905 $173,055,000 $90,000 $3,005,000 $113,000 $1,843,000
Home Improvement 1,209 $94,815,000 $78,000 $3,445,000 $108,000 $1,210,000
Cash-out Refinancing 955 $187,065,000 $195,000 $4,305,000 $125,000 $2,822,000
Refinancing 395 $107,635,000 $272,000 $5,005,000 $129,000 $1,021,000
Not Applicable 1 $325,000 $325,000 $325,000 $248,000 $248,000

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 8,243 $1,829,675,000 $221,000 $4,445,000 $130,000 $2,412,000
Not Provided 1,023 $323,705,000 $316,000 $3,445,000 $154,000 $2,822,000
Hispanic 479 $131,605,000 $274,000 $1,365,000 $117,000 $1,480,000
Not applicable 463 $142,675,000 $308,000 $5,005,000 $0 $0
Black or African American 432 $100,220,000 $231,000 $1,995,000 $112,000 $3,231,000
Asian 360 $146,630,000 $407,000 $2,885,000 $173,000 $704,000
American Indian or Alaskan Native 127 $25,425,000 $200,000 $665,000 $107,000 $543,000
Native Hawaiian or Other Pacific Islander 4 $1,000,000 $250,000 $545,000 $96,000 $166,000

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) 9,835 $2,288,775,000 $232,000 $5,005,000 $137,000 $3,231,000
FHA-insured (Federal Housing Administration) 708 $184,350,000 $260,000 $1,105,000 $95,000 $728,000
VA-guaranteed (Veterans Administration) 647 $276,915,000 $427,000 $2,255,000 $136,000 $576,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 89 $15,775,000 $177,000 $345,000 $66,000 $114,000

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 7,550 $1,850,240,000 $245,000 $5,005,000 $137,000 $3,231,000
Application Withdrawn By Applicant 2,603 $778,345,000 $299,000 $3,005,000 $145,000 $2,412,000
Application Denied By Financial Institution 995 $107,455,000 $107,000 $2,025,000 $80,000 $562,000
Application Approved But Not Accepted 62 $14,440,000 $232,000 $1,365,000 $122,000 $463,000
File Closed For Incompleteness 54 $8,950,000 $165,000 $945,000 $123,000 $700,000
Preapproval Approved but not Accepted 9 $4,705,000 $522,000 $2,805,000 $257,000 $1,571,000
Loan Purchased By The Institution 6 $1,680,000 $280,000 $465,000 $125,000 $175,000
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 10,284 $2,658,360,000 $258,000 $5,005,000 $139,000 $3,231,000
Credit History 468 $33,830,000 $72,000 $1,405,000 $87,000 $546,000
Debt-To-Income Ratio 370 $49,960,000 $135,000 $2,025,000 $61,000 $525,000
Collateral 94 $10,920,000 $116,000 $625,000 $115,000 $562,000
Other 24 $4,610,000 $192,000 $625,000 $93,000 $270,000
Employment History 17 $3,645,000 $214,000 $485,000 $67,000 $169,000
Insufficient Cash (Downpayment, Closing Cost) 15 $3,475,000 $231,000 $505,000 $95,000 $176,000
Unverifiable Information 6 $1,000,000 $166,000 $395,000 $90,000 $157,000
Mortgage Insurance Denied 1 $15,000 $15,000 $15,000 $93,000 $93,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into The Central Trust Bank's 2023 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.

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