The Central Trust Bank Mortgage Lending & HMDA Data, 2025
In 2025, The Central Trust Bank of Jefferson City, MO reported 10,858 mortgage applications totaling $3.0 billion, down 4% from 2024. The average application was for $276,360, and applicants reported an average income of $147,017. 67% of its applications resulted in an originated loan and 8% were denied. Its largest markets were St. Louis, MO-IL (1,275), Kansas City, MO-KS (1,244) and Jefferson City, MO (1,065) (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 | 10,858 |
| Total Mortgage Loan Application Amount | $3,000,720,000 |
| Average Mortgage Loan Application Amount | $276,360 |
| Highest Mortgage Loan Application Amount | $24,705,000 |
| Average Applicant Income | $147,017 |
| Highest Applicant Income | $5,261,000 |
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(HMDA) records The Central Trust Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 2,840 | $ 684,010,000 | $ 240,848 | $ 131,832 |
| St. Louis, MO-IL | 1,275 | $ 379,895,000 | $ 297,956 | $ 160,456 |
| Kansas City, MO-KS | 1,244 | $ 323,380,000 | $ 259,951 | $ 127,861 |
| Jefferson City, MO | 1,065 | $ 162,195,000 | $ 152,295 | $ 114,000 |
| Columbia, MO | 1,040 | $ 229,900,000 | $ 221,057 | $ 140,000 |
| Springfield, MO | 830 | $ 190,920,000 | $ 230,024 | $ 122,000 |
| Oklahoma City, OK | 423 | $ 143,785,000 | $ 339,917 | $ 171,000 |
| Colorado Springs, CO | 361 | $ 143,205,000 | $ 396,689 | $ 153,000 |
| Tulsa, OK | 235 | $ 52,995,000 | $ 225,510 | $ 129,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 158 | $ 59,500,000 | $ 376,582 | $ 187,000 |
| Raleigh, NC | 141 | $ 52,905,000 | $ 375,212 | $ 178,000 |
| Lawrence, KS | 71 | $ 10,485,000 | $ 147,676 | $ 122,000 |
| Denver-Aurora-Lakewood, CO | 65 | $ 37,115,000 | $ 571,000 | $ 274,000 |
| Durham-Chapel Hill, NC | 53 | $ 17,545,000 | $ 331,037 | $ 145,000 |
| Grand Junction, CO | 47 | $ 13,965,000 | $ 297,127 | $ 129,000 |
| Naples-Immokalee-Marco Island, FL | 41 | $ 14,955,000 | $ 364,756 | $ 233,000 |
| Wichita, KS | 39 | $ 9,675,000 | $ 248,076 | $ 149,000 |
| Des Moines-West Des Moines, IA | 32 | $ 10,770,000 | $ 336,562 | $ 141,000 |
| Dallas-Plano-Irving, TX | 30 | $ 16,440,000 | $ 548,000 | $ 290,000 |
| Reno, NV | 25 | $ 12,255,000 | $ 490,200 | $ 181,000 |
| Cape Coral-Fort Myers, FL | 22 | $ 6,320,000 | $ 287,272 | $ 201,000 |
| Chicago-Naperville, IL | 22 | $ 8,470,000 | $ 385,000 | $ 274,000 |
| Davenport-Moline-Rock Island, IA-IL | 22 | $ 4,240,000 | $ 192,727 | $ 93,318 |
| Arlington-Alexandria-Reston, VA-WV | 20 | $ 15,110,000 | $ 755,500 | $ 256,500 |
| Pueblo, CO | 20 | $ 4,550,000 | $ 227,500 | $ 91,000 |
| Phoenix-Mesa-Scottsdale, AZ | 19 | $ 11,195,000 | $ 589,210 | $ 267,000 |
| Wilmington, NC | 19 | $ 9,875,000 | $ 519,736 | $ 284,000 |
| Atlanta-Sandy Springs-Roswell, GA | 18 | $ 8,710,000 | $ 483,888 | $ 213,000 |
| Houston-The Woodlands-Sugar Land, TX | 18 | $ 8,860,000 | $ 492,222 | $ 358,000 |
| Joplin, MO | 17 | $ 10,625,000 | $ 625,000 | $ 100,000 |
| Los Angeles-Long Beach-Glendale, CA | 17 | $ 11,685,000 | $ 687,352 | $ 242,000 |
| Austin-Round Rock, TX | 15 | $ 8,845,000 | $ 589,666 | $ 258,000 |
| Boulder, CO | 15 | $ 13,845,000 | $ 923,000 | $ 214,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 14 | $ 8,660,000 | $ 618,571 | $ 359,000 |
| Tampa, FL | 14 | $ 7,520,000 | $ 537,142 | $ 283,000 |
| Charlotte-Concord-Gastonia, NC-SC | 12 | $ 7,320,000 | $ 610,000 | $ 273,666 |
| Orlando-Kissimmee-Sanford, FL | 12 | $ 5,750,000 | $ 479,166 | $ 240,000 |
| St. Joseph, MO-KS | 12 | $ 2,750,000 | $ 229,166 | $ 119,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 11 | $ 6,515,000 | $ 592,272 | $ 264,818 |
| San Diego-Carlsbad, CA | 11 | $ 9,115,000 | $ 828,636 | $ 266,000 |
| Lakewood-New Brunswick, NJ | 10 | $ 6,050,000 | $ 605,000 | $ 207,000 |
| Marietta, GA | 10 | $ 4,750,000 | $ 475,000 | $ 189,000 |
| Seattle-Bellevue-Everett, WA | 10 | $ 10,140,000 | $ 1,014,000 | $ 412,000 |
| Goldsboro, NC | 9 | $ 1,585,000 | $ 176,111 | $ 61,000 |
| Newark, NJ-PA | 9 | $ 6,365,000 | $ 707,222 | $ 314,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 9 | $ 4,605,000 | $ 511,666 | $ 164,000 |
| St. Petersburg-Clearwater-Largo, FL | 9 | $ 4,705,000 | $ 522,777 | $ 359,000 |
| Topeka, KS | 9 | $ 1,265,000 | $ 140,555 | $ 157,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 8 | $ 4,750,000 | $ 593,750 | $ 281,000 |
| Montgomery County-Bucks County-Chester County, PA | 8 | $ 4,840,000 | $ 605,000 | $ 277,000 |
| Burlington, NC | 7 | $ 1,575,000 | $ 225,000 | $ 106,000 |
| Indianapolis-Carmel-Anderson, IN | 7 | $ 4,615,000 | $ 659,285 | $ 459,000 |
| Tacoma-Lakewood, WA | 7 | $ 4,625,000 | $ 660,714 | $ 283,000 |
| Anaheim-Santa Ana-Irvine, CA | 6 | $ 6,410,000 | $ 1,068,333 | $ 262,000 |
| Fort Smith, AR-OK | 6 | $ 1,670,000 | $ 278,333 | $ 86,000 |
| Fort Worth-Arlington, TX | 6 | $ 3,880,000 | $ 646,666 | $ 328,000 |
| Greeley, CO | 6 | $ 6,470,000 | $ 1,078,333 | $ 197,000 |
| Greensboro-High Point, NC | 6 | $ 1,390,000 | $ 231,666 | $ 126,000 |
| Johnson City, TN | 6 | $ 2,510,000 | $ 418,333 | $ 177,000 |
| Las Vegas-Henderson-Paradise, NV | 6 | $ 5,160,000 | $ 860,000 | $ 436,000 |
| Milwaukee-Waukesha-West Allis, WI | 6 | $ 1,900,000 | $ 316,666 | $ 136,000 |
| New York-Jersey City-White Plains, NY-NJ | 6 | $ 3,720,000 | $ 620,000 | $ 430,000 |
| Oakland-Hayward-Berkeley, CA | 6 | $ 6,850,000 | $ 1,141,666 | $ 504,000 |
| Salt Lake City, UT | 6 | $ 3,030,000 | $ 505,000 | $ 259,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 6 | $ 2,320,000 | $ 386,666 | $ 146,000 |
| Camden, NJ | 5 | $ 2,415,000 | $ 483,000 | $ 199,000 |
| Carson City, NV | 5 | $ 2,865,000 | $ 573,000 | $ 166,000 |
| Jacksonville, FL | 5 | $ 1,735,000 | $ 347,000 | $ 163,000 |
| Lexington-Fayette, KY | 5 | $ 1,585,000 | $ 317,000 | $ 118,000 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 3,005,000 | $ 601,000 | $ 283,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 5 | $ 5,555,000 | $ 1,111,000 | $ 420,000 |
| Urban Honolulu, HI | 5 | $ 2,885,000 | $ 577,000 | $ 173,000 |
| Wildwood-The Villages, FL | 5 | $ 1,605,000 | $ 321,000 | $ 132,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 1,350,000 | $ 337,500 | $ 179,000 |
| Birmingham-Hoover, AL | 4 | $ 1,250,000 | $ 312,500 | $ 162,000 |
| Boise City, ID | 4 | $ 2,000,000 | $ 500,000 | $ 338,000 |
| Casper, WY | 4 | $ 1,610,000 | $ 402,500 | $ 122,000 |
| Charleston-North Charleston, SC | 4 | $ 4,430,000 | $ 1,107,500 | $ 330,000 |
| Chattanooga, TN-GA | 4 | $ 1,960,000 | $ 490,000 | $ 184,000 |
| Cleveland, OH | 4 | $ 1,900,000 | $ 475,000 | $ 932,000 |
| Columbus, OH | 4 | $ 1,360,000 | $ 340,000 | $ 183,000 |
| Daphne-Fairhope-Foley, AL | 4 | $ 1,760,000 | $ 440,000 | $ 184,000 |
| Everett, WA | 4 | $ 3,740,000 | $ 935,000 | $ 314,000 |
| Farmington, NM | 4 | $ 1,240,000 | $ 310,000 | $ 166,000 |
| Fayetteville, NC | 4 | $ 920,000 | $ 230,000 | $ 57,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 2,900,000 | $ 725,000 | $ 250,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 1,140,000 | $ 285,000 | $ 153,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 1,360,000 | $ 340,000 | $ 249,000 |
| Pinehurst-Southern Pines, NC | 4 | $ 2,530,000 | $ 632,500 | $ 250,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 4 | $ 2,330,000 | $ 582,500 | $ 287,000 |
| Providence-Warwick, RI-MA | 4 | $ 1,050,000 | $ 262,500 | $ 96,000 |
| Punta Gorda, FL | 4 | $ 1,390,000 | $ 347,500 | $ 849,000 |
| St. George, UT | 4 | $ 1,630,000 | $ 407,500 | $ 333,000 |
| Winston-Salem, NC | 4 | $ 1,280,000 | $ 320,000 | $ 180,000 |
| Asheville, NC | 3 | $ 1,595,000 | $ 531,666 | $ 303,000 |
| Bremerton-Silverdale, WA | 3 | $ 1,385,000 | $ 461,666 | $ 189,000 |
| Champaign-Urbana, IL | 3 | $ 665,000 | $ 221,666 | $ 132,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 5,005,000 | $ 1,668,333 | $ 692,000 |
| El Paso, TX | 3 | $ 1,005,000 | $ 335,000 | $ 152,000 |
| Elgin, IL | 3 | $ 1,535,000 | $ 511,666 | $ 151,000 |
| Evansville, IN-KY | 3 | $ 6,495,000 | $ 2,165,000 | $ 274,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 1,225,000 | $ 408,333 | $ 246,000 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 975,000 | $ 325,000 | $ 45,000 |
| Helena, MT | 3 | $ 1,105,000 | $ 368,333 | $ 136,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 1,605,000 | $ 535,000 | $ 328,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 1,355,000 | $ 451,666 | $ 130,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 1,745,000 | $ 581,666 | $ 189,000 |
| Peoria, IL | 3 | $ 795,000 | $ 265,000 | $ 296,000 |
| Philadelphia, PA | 3 | $ 1,375,000 | $ 458,333 | $ 178,000 |
| Pittsburgh, PA | 3 | $ 1,195,000 | $ 398,333 | $ 327,000 |
| Richmond, VA | 3 | $ 1,225,000 | $ 408,333 | $ 341,000 |
| Rockingham County-Strafford County, NH | 3 | $ 1,305,000 | $ 435,000 | $ 174,000 |
| San Antonio-New Braunfels, TX | 3 | $ 1,425,000 | $ 475,000 | $ 101,000 |
| San Francisco-Redwood City-South San Francisco, CA | 3 | $ 3,245,000 | $ 1,081,666 | $ 334,000 |
| Tucson, AZ | 3 | $ 925,000 | $ 308,333 | $ 203,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 1,905,000 | $ 635,000 | $ 157,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 1,015,000 | $ 338,333 | $ 167,000 |
| Washington, DC-MD | 3 | $ 2,355,000 | $ 785,000 | $ 248,000 |
| Albuquerque, NM | 2 | $ 740,000 | $ 370,000 | $ 176,000 |
| Anchorage, AK | 2 | $ 1,090,000 | $ 545,000 | $ 160,000 |
| Auburn-Opelika, AL | 2 | $ 880,000 | $ 440,000 | $ 146,000 |
| Bozeman, MT | 2 | $ 1,240,000 | $ 620,000 | $ 295,000 |
| Charlottesville, VA | 2 | $ 980,000 | $ 490,000 | $ 170,000 |
| Cincinnati, OH-KY-IN | 2 | $ 590,000 | $ 295,000 | $ 135,000 |
| Clarksville, TN-KY | 2 | $ 400,000 | $ 200,000 | $ 94,500 |
| Columbia, SC | 2 | $ 180,000 | $ 90,000 | $ 80,000 |
| Corpus Christi, TX | 2 | $ 730,000 | $ 365,000 | $ 252,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 1,130,000 | $ 565,000 | $ 330,000 |
| Duluth, MN-WI | 2 | $ 1,010,000 | $ 505,000 | $ 221,000 |
| Fresno, CA | 2 | $ 940,000 | $ 470,000 | $ 259,000 |
| Knoxville, TN | 2 | $ 1,280,000 | $ 640,000 | $ 293,000 |
| Lake County-Porter County-Jasper County, IN | 2 | $ 370,000 | $ 185,000 | $ 100,000 |
| Lansing-East Lansing, MI | 2 | $ 280,000 | $ 140,000 | $ 91,000 |
| Madison, WI | 2 | $ 650,000 | $ 325,000 | $ 204,000 |
| Manhattan, KS | 2 | $ 530,000 | $ 265,000 | $ 79,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 920,000 | $ 460,000 | $ 144,000 |
| Modesto, CA | 2 | $ 650,000 | $ 325,000 | $ 157,000 |
| Montgomery, AL | 2 | $ 120,000 | $ 60,000 | $ 33,000 |
| Ocala, FL | 2 | $ 470,000 | $ 235,000 | $ 65,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 2,230,000 | $ 1,115,000 | $ 410,000 |
| Panama City, FL | 2 | $ 760,000 | $ 380,000 | $ 144,000 |
| Port St. Lucie, FL | 2 | $ 580,000 | $ 290,000 | $ 77,000 |
| Prescott Valley-Prescott, AZ | 2 | $ 1,020,000 | $ 510,000 | $ 250,000 |
| Racine, WI | 2 | $ 890,000 | $ 445,000 | $ 128,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 2 | $ 1,870,000 | $ 935,000 | $ 264,000 |
| San Rafael, CA | 2 | $ 1,760,000 | $ 880,000 | $ 295,000 |
| Santa Fe, NM | 2 | $ 1,350,000 | $ 675,000 | $ 262,000 |
| Savannah, GA | 2 | $ 900,000 | $ 450,000 | $ 170,000 |
| Sioux Falls, SD | 2 | $ 500,000 | $ 250,000 | $ 196,000 |
| Tyler, TX | 2 | $ 720,000 | $ 360,000 | $ 155,000 |
| Akron, OH | 1 | $ 55,000 | $ 55,000 | $ 1,025,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 465,000 | $ 465,000 | $ 240,000 |
| Amarillo, TX | 1 | $ 245,000 | $ 245,000 | $ 250,000 |
| Ames, IA | 1 | $ 155,000 | $ 155,000 | $ 74,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 155,000 | $ 155,000 | $ 135,000 |
| Bakersfield, CA | 1 | $ 695,000 | $ 695,000 | $ 151,000 |
| Barnstable Town, MA | 1 | $ 5,000 | $ 5,000 | $ 48,000 |
| Bellingham, WA | 1 | $ 315,000 | $ 315,000 | $ 120,000 |
| Bend-Redmond, OR | 1 | $ 485,000 | $ 485,000 | $ 123,000 |
| Billings, MT | 1 | $ 495,000 | $ 495,000 | $ 141,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 195,000 | $ 195,000 | $ 244,000 |
| Bloomington, IL | 1 | $ 355,000 | $ 355,000 | $ 152,000 |
| Bloomington, IN | 1 | $ 135,000 | $ 135,000 | $ 130,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 485,000 | $ 485,000 | $ 234,000 |
| Brunswick, GA | 1 | $ 335,000 | $ 335,000 | $ 153,000 |
| Burlington-South Burlington, VT | 1 | $ 985,000 | $ 985,000 | $ 600,000 |
| Cape Girardeau, MO-IL | 1 | $ 355,000 | $ 355,000 | $ 140,000 |
| Cleveland, TN | 1 | $ 1,465,000 | $ 1,465,000 | $ 379,000 |
| Dothan, AL | 1 | $ 535,000 | $ 535,000 | $ 190,000 |
| Eau Claire, WI | 1 | $ 405,000 | $ 405,000 | $ 94,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 335,000 | $ 335,000 | $ 82,000 |
| Enid, OK | 1 | $ 425,000 | $ 425,000 | $ 356,000 |
| Eugene, OR | 1 | $ 215,000 | $ 215,000 | $ 70,000 |
| Florence, SC | 1 | $ 285,000 | $ 285,000 | $ 103,000 |
| Fort Wayne, IN | 1 | $ 275,000 | $ 275,000 | $ 120,000 |
| Gainesville, FL | 1 | $ 425,000 | $ 425,000 | $ 124,000 |
| Green Bay, WI | 1 | $ 105,000 | $ 105,000 | $ 42,000 |
| Greenville, NC | 1 | $ 235,000 | $ 235,000 | $ 190,000 |
| Hanford-Corcoran, CA | 1 | $ 1,025,000 | $ 1,025,000 | $ 330,000 |
| Harrisburg-Carlisle, PA | 1 | $ 255,000 | $ 255,000 | $ 174,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 165,000 | $ 165,000 | $ 56,000 |
| Homosassa Springs, FL | 1 | $ 55,000 | $ 55,000 | $ 46,000 |
| Hot Springs, AR | 1 | $ 45,000 | $ 45,000 | $ 21,000 |
| Huntsville, AL | 1 | $ 505,000 | $ 505,000 | $ 115,000 |
| Iowa City, IA | 1 | $ 535,000 | $ 535,000 | $ 138,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 745,000 | $ 745,000 | $ 211,000 |
| Kokomo, IN | 1 | $ 295,000 | $ 295,000 | $ 109,000 |
| Lafayette-West Lafayette, IN | 1 | $ 335,000 | $ 335,000 | $ 99,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 305,000 | $ 305,000 | $ 200,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 545,000 | $ 545,000 | $ 405,000 |
| Lakeland-Winter Haven, FL | 1 | $ 395,000 | $ 395,000 | $ 95,000 |
| Lancaster, PA | 1 | $ 605,000 | $ 605,000 | $ 222,000 |
| Las Cruces, NM | 1 | $ 355,000 | $ 355,000 | $ 124,000 |
| Lewiston-Auburn, ME | 1 | $ 345,000 | $ 345,000 | $ 97,000 |
| Lincoln, NE | 1 | $ 325,000 | $ 325,000 | $ 104,000 |
| Lynchburg, VA | 1 | $ 405,000 | $ 405,000 | $ 62,000 |
| Manchester-Nashua, NH | 1 | $ 475,000 | $ 475,000 | $ 184,000 |
| Mansfield, OH | 1 | $ 405,000 | $ 405,000 | $ 150,000 |
| Medford, OR | 1 | $ 325,000 | $ 325,000 | $ 112,000 |
| Memphis, TN-MS-AR | 1 | $ 175,000 | $ 175,000 | $ 77,000 |
| Monroe, LA | 1 | $ 135,000 | $ 135,000 | $ 377,000 |
| Monroe, MI | 1 | $ 755,000 | $ 755,000 | $ 923,000 |
| Niles-Benton Harbor, MI | 1 | $ 345,000 | $ 345,000 | $ 157,000 |
| Provo-Orem, UT | 1 | $ 595,000 | $ 595,000 | $ 304,000 |
| Rapid City, SD | 1 | $ 805,000 | $ 805,000 | $ 1,024,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 575,000 | $ 575,000 | $ 170,000 |
| Rocky Mount, NC | 1 | $ 85,000 | $ 85,000 | $ 50,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 1,435,000 | $ 1,435,000 | $ 559,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 375,000 | $ 375,000 | $ 319,000 |
| Sebastian-Vero Beach, FL | 1 | $ 775,000 | $ 775,000 | $ 264,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 245,000 | $ 245,000 | $ 68,000 |
| Spokane-Spokane Valley, WA | 1 | $ 475,000 | $ 475,000 | $ 120,000 |
| Stockton-Lodi, CA | 1 | $ 655,000 | $ 655,000 | $ 247,000 |
| Trenton, NJ | 1 | $ 565,000 | $ 565,000 | $ 205,000 |
| Vallejo-Fairfield, CA | 1 | $ 695,000 | $ 695,000 | $ 111,000 |
| Waco, TX | 1 | $ 105,000 | $ 105,000 | $ 72,000 |
| Waterbury-Shelton, CT | 1 | $ 165,000 | $ 165,000 | $ 60,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 355,000 | $ 355,000 | $ 191,000 |
| Wichita Falls, TX | 1 | $ 305,000 | $ 305,000 | $ 35,000 |
Mortgage Loan Application Detail Totals for The Central Trust Bank in 2025
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 | 5,795 | $2,015,575,000 | $347,000 | $24,705,000 | $153,000 | $5,261,000 |
| Other Purpose | 1,656 | $172,440,000 | $104,000 | $2,865,000 | $126,000 | $2,353,000 |
| Cash-out Refinancing | 1,231 | $291,625,000 | $236,000 | $9,695,000 | $126,000 | $1,266,000 |
| Home Improvement | 1,216 | $107,130,000 | $88,000 | $4,065,000 | $140,000 | $2,968,000 |
| Refinancing | 960 | $413,950,000 | $431,000 | $22,005,000 | $183,000 | $2,595,000 |
| 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 | 8,060 | $2,005,690,000 | $248,000 | $8,045,000 | $146,000 | $5,261,000 |
| Not Provided | 922 | $281,680,000 | $305,000 | $2,215,000 | $169,000 | $2,880,000 |
| Hispanic | 586 | $133,330,000 | $227,000 | $1,425,000 | $117,000 | $1,331,000 |
| Not applicable | 498 | $332,980,000 | $668,000 | $24,705,000 | $0 | $0 |
| Black or African American | 351 | $75,815,000 | $215,000 | $1,955,000 | $104,000 | $1,100,000 |
| Asian | 326 | $136,970,000 | $420,000 | $2,405,000 | $213,000 | $1,140,000 |
| American Indian or Alaskan Native | 109 | $32,685,000 | $299,000 | $2,705,000 | $143,000 | $1,380,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,570,000 | $261,000 | $635,000 | $215,000 | $479,000 |
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) | 9,475 | $2,570,575,000 | $271,000 | $24,705,000 | $154,000 | $5,261,000 |
| FHA-insured (Federal Housing Administration) | 824 | $203,160,000 | $246,000 | $855,000 | $87,000 | $322,000 |
| VA-guaranteed (Veterans Administration) | 467 | $208,755,000 | $447,000 | $1,675,000 | $137,000 | $544,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 92 | $18,230,000 | $198,000 | $425,000 | $71,000 | $166,000 |
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 | 7,285 | $2,094,645,000 | $287,000 | $24,705,000 | $152,000 | $5,261,000 |
| Application Withdrawn By Applicant | 2,457 | $719,585,000 | $292,000 | $4,955,000 | $152,000 | $2,880,000 |
| Application Denied By Financial Institution | 853 | $104,825,000 | $122,000 | $1,505,000 | $93,000 | $1,025,000 |
| File Closed For Incompleteness | 119 | $22,535,000 | $189,000 | $1,405,000 | $136,000 | $1,000,000 |
| Application Approved But Not Accepted | 90 | $38,490,000 | $427,000 | $9,695,000 | $177,000 | $1,197,000 |
| Preapproval Approved but not Accepted | 40 | $17,990,000 | $449,000 | $2,405,000 | $185,000 | $733,000 |
| Preapproval Denied by Financial Institution | 8 | $1,490,000 | $186,000 | $505,000 | $76,000 | $314,000 |
| Loan Purchased By The Institution | 6 | $1,160,000 | $193,000 | $325,000 | $89,000 | $186,000 |
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 | 9,997 | $2,894,405,000 | $289,000 | $24,705,000 | $152,000 | $5,261,000 |
| Credit History | 421 | $35,825,000 | $85,000 | $905,000 | $96,000 | $600,000 |
| Debt-To-Income Ratio | 244 | $38,380,000 | $157,000 | $1,205,000 | $69,000 | $546,000 |
| Collateral | 123 | $18,705,000 | $152,000 | $1,505,000 | $125,000 | $1,025,000 |
| Unverifiable Information | 25 | $3,195,000 | $127,000 | $505,000 | $95,000 | $420,000 |
| Employment History | 18 | $3,510,000 | $195,000 | $525,000 | $94,000 | $330,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $3,595,000 | $239,000 | $1,055,000 | $84,000 | $225,000 |
| Other | 15 | $3,105,000 | $207,000 | $955,000 | $186,000 | $600,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Central Trust Bank's 2025 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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