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(HMDA) records The Central Trust Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 3,128 | $ 631,310,000 | $ 201,825 | $ 119,247 |
| Jefferson City, MO | 1,333 | $ 185,745,000 | $ 139,343 | $ 116,000 |
| Columbia, MO | 1,332 | $ 268,730,000 | $ 201,749 | $ 125,000 |
| Kansas City, MO-KS | 1,306 | $ 282,790,000 | $ 216,531 | $ 137,696 |
| Springfield, MO | 1,087 | $ 217,355,000 | $ 199,958 | $ 116,000 |
| St. Louis, MO-IL | 1,031 | $ 245,865,000 | $ 238,472 | $ 135,557 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 377 | $ 167,265,000 | $ 443,673 | $ 138,000 |
| Des Moines-West Des Moines, IA | 348 | $ 84,430,000 | $ 242,614 | $ 102,000 |
| Raleigh, NC | 256 | $ 91,480,000 | $ 357,343 | $ 138,000 |
| Colorado Springs, CO | 251 | $ 98,545,000 | $ 392,609 | $ 145,000 |
| Tulsa, OK | 150 | $ 51,740,000 | $ 344,933 | $ 108,000 |
| Oklahoma City, OK | 131 | $ 64,205,000 | $ 490,114 | $ 180,000 |
| Denver-Aurora-Lakewood, CO | 85 | $ 47,965,000 | $ 564,294 | $ 274,000 |
| Lawrence, KS | 80 | $ 15,530,000 | $ 194,125 | $ 139,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 77 | $ 23,985,000 | $ 311,493 | $ 141,000 |
| Durham-Chapel Hill, NC | 71 | $ 22,015,000 | $ 310,070 | $ 137,000 |
| Atlanta-Sandy Springs-Roswell, GA | 59 | $ 30,445,000 | $ 516,016 | $ 323,000 |
| Houston-The Woodlands-Sugar Land, TX | 54 | $ 22,230,000 | $ 411,666 | $ 185,000 |
| Austin-Round Rock, TX | 52 | $ 26,140,000 | $ 502,692 | $ 188,000 |
| Dallas-Plano-Irving, TX | 51 | $ 25,355,000 | $ 497,156 | $ 175,000 |
| Wichita, KS | 51 | $ 14,055,000 | $ 275,588 | $ 115,000 |
| Phoenix-Mesa-Scottsdale, AZ | 42 | $ 21,440,000 | $ 510,476 | $ 169,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 40 | $ 22,800,000 | $ 570,000 | $ 185,500 |
| Chicago-Naperville, IL | 35 | $ 14,285,000 | $ 408,142 | $ 186,000 |
| Las Vegas-Henderson-Paradise, NV | 35 | $ 16,715,000 | $ 477,571 | $ 245,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 31 | $ 16,395,000 | $ 528,870 | $ 215,741 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 29 | $ 10,355,000 | $ 357,068 | $ 184,137 |
| Tampa-St. Petersburg-Clearwater, FL | 29 | $ 11,405,000 | $ 393,275 | $ 175,000 |
| Seattle-Bellevue-Everett, WA | 28 | $ 17,200,000 | $ 614,285 | $ 202,000 |
| Naples-Immokalee-Marco Island, FL | 27 | $ 10,655,000 | $ 394,629 | $ 225,000 |
| San Antonio-New Braunfels, TX | 27 | $ 10,815,000 | $ 400,555 | $ 184,000 |
| St. Joseph, MO-KS | 25 | $ 3,895,000 | $ 155,800 | $ 89,000 |
| Pueblo, CO | 24 | $ 7,030,000 | $ 292,916 | $ 107,000 |
| Huntsville, AL | 22 | $ 7,900,000 | $ 359,090 | $ 155,000 |
| Orlando-Kissimmee-Sanford, FL | 22 | $ 9,710,000 | $ 441,363 | $ 151,000 |
| Cape Coral-Fort Myers, FL | 19 | $ 6,615,000 | $ 348,157 | $ 148,000 |
| Charlotte-Concord-Gastonia, NC-SC | 19 | $ 7,985,000 | $ 420,263 | $ 145,842 |
| Omaha-Council Bluffs, NE-IA | 19 | $ 7,225,000 | $ 380,263 | $ 195,000 |
| Davenport-Moline-Rock Island, IA-IL | 17 | $ 3,345,000 | $ 196,764 | $ 72,470 |
| Fayetteville, NC | 17 | $ 5,235,000 | $ 307,941 | $ 112,000 |
| North Port-Sarasota-Bradenton, FL | 17 | $ 10,635,000 | $ 625,588 | $ 172,000 |
| Los Angeles-Long Beach-Glendale, CA | 15 | $ 9,465,000 | $ 631,000 | $ 166,000 |
| Newark, NJ-PA | 15 | $ 6,125,000 | $ 408,333 | $ 186,000 |
| Fort Worth-Arlington, TX | 14 | $ 5,560,000 | $ 397,142 | $ 151,000 |
| Charleston-North Charleston, SC | 13 | $ 6,415,000 | $ 493,461 | $ 144,000 |
| Crestview-Fort Walton Beach-Destin, FL | 13 | $ 7,985,000 | $ 614,230 | $ 184,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 13 | $ 4,935,000 | $ 379,615 | $ 192,000 |
| Indianapolis-Carmel-Anderson, IN | 13 | $ 5,315,000 | $ 408,846 | $ 156,000 |
| Jacksonville, FL | 13 | $ 4,835,000 | $ 371,923 | $ 142,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 13 | $ 6,005,000 | $ 461,923 | $ 175,153 |
| Miami-Miami Beach-Kendall, FL | 12 | $ 5,750,000 | $ 479,166 | $ 183,000 |
| Reno, NV | 12 | $ 6,820,000 | $ 568,333 | $ 236,000 |
| Columbia, SC | 11 | $ 3,605,000 | $ 327,727 | $ 125,000 |
| Columbus, OH | 11 | $ 3,905,000 | $ 355,000 | $ 120,000 |
| Jacksonville, NC | 11 | $ 4,555,000 | $ 414,090 | $ 141,000 |
| Joplin, MO | 11 | $ 1,775,000 | $ 161,363 | $ 113,000 |
| New York-Jersey City-White Plains, NY-NJ | 11 | $ 6,065,000 | $ 551,363 | $ 233,000 |
| Oakland-Hayward-Berkeley, CA | 11 | $ 6,625,000 | $ 602,272 | $ 195,000 |
| Pensacola-Ferry Pass-Brent, FL | 11 | $ 4,165,000 | $ 378,636 | $ 215,000 |
| Warren-Troy-Farmington Hills, MI | 11 | $ 3,905,000 | $ 355,000 | $ 146,000 |
| Asheville, NC | 10 | $ 3,240,000 | $ 324,000 | $ 100,000 |
| New York-Newark, NY | 10 | $ 5,200,000 | $ 520,000 | $ 226,000 |
| Provo-Orem, UT | 10 | $ 5,430,000 | $ 543,000 | $ 188,000 |
| San Diego-Carlsbad, CA | 10 | $ 5,790,000 | $ 579,000 | $ 160,000 |
| Tacoma-Lakewood, WA | 10 | $ 5,240,000 | $ 524,000 | $ 122,000 |
| Tucson, AZ | 10 | $ 3,080,000 | $ 308,000 | $ 142,000 |
| Wilmington, NC | 10 | $ 5,660,000 | $ 566,000 | $ 209,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 9 | $ 3,155,000 | $ 350,555 | $ 108,000 |
| Greensboro-High Point, NC | 9 | $ 2,725,000 | $ 302,777 | $ 118,000 |
| Knoxville, TN | 9 | $ 3,665,000 | $ 407,222 | $ 129,000 |
| Memphis, TN-MS-AR | 9 | $ 3,325,000 | $ 369,444 | $ 138,666 |
| Montgomery County-Bucks County-Chester County, PA | 9 | $ 3,125,000 | $ 347,222 | $ 152,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 9 | $ 3,675,000 | $ 408,333 | $ 240,333 |
| Salt Lake City, UT | 9 | $ 4,225,000 | $ 469,444 | $ 199,000 |
| Ames, IA | 8 | $ 2,100,000 | $ 262,500 | $ 94,000 |
| Augusta-Richmond County, GA-SC | 8 | $ 2,740,000 | $ 342,500 | $ 140,875 |
| Camden, NJ | 8 | $ 2,640,000 | $ 330,000 | $ 122,000 |
| Cincinnati, OH-KY-IN | 8 | $ 2,830,000 | $ 353,750 | $ 163,000 |
| Fort Collins, CO | 8 | $ 3,920,000 | $ 490,000 | $ 269,000 |
| Lake County-Kenosha County, IL-WI | 8 | $ 2,550,000 | $ 318,750 | $ 146,000 |
| New Orleans-Metairie, LA | 8 | $ 3,330,000 | $ 416,250 | $ 146,000 |
| Richmond, VA | 8 | $ 2,750,000 | $ 343,750 | $ 146,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 8 | $ 8,500,000 | $ 1,062,500 | $ 716,000 |
| Cleveland-Elyria, OH | 7 | $ 3,115,000 | $ 445,000 | $ 193,000 |
| Farmington, NM | 7 | $ 1,525,000 | $ 217,857 | $ 166,000 |
| Riverside-San Bernardino-Ontario, CA | 7 | $ 3,475,000 | $ 496,428 | $ 109,000 |
| Winston-Salem, NC | 7 | $ 2,315,000 | $ 330,714 | $ 143,000 |
| Albuquerque, NM | 6 | $ 1,740,000 | $ 290,000 | $ 100,000 |
| Boise City, ID | 6 | $ 2,550,000 | $ 425,000 | $ 140,000 |
| Chattanooga, TN-GA | 6 | $ 1,900,000 | $ 316,666 | $ 140,666 |
| Greeley, CO | 6 | $ 2,770,000 | $ 461,666 | $ 233,000 |
| Greenville-Anderson-Mauldin, SC | 6 | $ 1,710,000 | $ 285,000 | $ 100,000 |
| Harrisburg-Carlisle, PA | 6 | $ 1,400,000 | $ 233,333 | $ 348,000 |
| Hartford-West Hartford-East Hartford, CT | 6 | $ 2,170,000 | $ 361,666 | $ 130,000 |
| Jonesboro, AR | 6 | $ 1,690,000 | $ 281,666 | $ 178,000 |
| Las Cruces, NM | 6 | $ 1,940,000 | $ 323,333 | $ 153,000 |
| Little Rock-North Little Rock-Conway, AR | 6 | $ 1,730,000 | $ 288,333 | $ 138,000 |
| Milwaukee-Waukesha-West Allis, WI | 6 | $ 2,170,000 | $ 361,666 | $ 119,000 |
| Ogden-Clearfield, UT | 6 | $ 2,910,000 | $ 485,000 | $ 134,000 |
| Port St. Lucie, FL | 6 | $ 1,900,000 | $ 316,666 | $ 127,000 |
| Billings, MT | 5 | $ 2,485,000 | $ 497,000 | $ 192,000 |
| Boulder, CO | 5 | $ 2,185,000 | $ 437,000 | $ 170,000 |
| Bremerton-Silverdale, WA | 5 | $ 2,915,000 | $ 583,000 | $ 208,000 |
| Bridgeport-Stamford-Norwalk, CT | 5 | $ 2,495,000 | $ 499,000 | $ 141,000 |
| Dothan, AL | 5 | $ 1,765,000 | $ 353,000 | $ 116,000 |
| El Paso, TX | 5 | $ 1,195,000 | $ 239,000 | $ 61,000 |
| Gary, IN | 5 | $ 1,865,000 | $ 373,000 | $ 118,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 5 | $ 2,605,000 | $ 521,000 | $ 199,000 |
| Louisville/Jefferson County, KY-IN | 5 | $ 2,425,000 | $ 485,000 | $ 164,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 1,685,000 | $ 337,000 | $ 105,000 |
| Philadelphia, PA | 5 | $ 1,855,000 | $ 371,000 | $ 144,000 |
| Providence-Warwick, RI-MA | 5 | $ 2,065,000 | $ 413,000 | $ 135,000 |
| Salisbury, MD-DE | 5 | $ 2,085,000 | $ 417,000 | $ 157,000 |
| Urban Honolulu, HI | 5 | $ 2,815,000 | $ 563,000 | $ 261,000 |
| Auburn-Opelika, AL | 4 | $ 2,000,000 | $ 500,000 | $ 199,000 |
| Cambridge-Newton-Framingham, MA | 4 | $ 2,220,000 | $ 555,000 | $ 194,000 |
| Clarksville, TN-KY | 4 | $ 1,470,000 | $ 367,500 | $ 102,000 |
| Daphne-Fairhope-Foley, AL | 4 | $ 1,030,000 | $ 257,500 | $ 89,000 |
| Goldsboro, NC | 4 | $ 970,000 | $ 242,500 | $ 55,000 |
| Gulfport-Biloxi-Pascagoula, MS | 4 | $ 1,250,000 | $ 312,500 | $ 106,000 |
| Lakeland-Winter Haven, FL | 4 | $ 2,020,000 | $ 505,000 | $ 282,000 |
| Lynchburg, VA | 4 | $ 1,510,000 | $ 377,500 | $ 105,000 |
| Mobile, AL | 4 | $ 780,000 | $ 195,000 | $ 55,000 |
| Montgomery, AL | 4 | $ 1,100,000 | $ 275,000 | $ 120,000 |
| Olympia-Tumwater, WA | 4 | $ 2,040,000 | $ 510,000 | $ 116,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 4 | $ 3,600,000 | $ 900,000 | $ 354,000 |
| Spokane-Spokane Valley, WA | 4 | $ 1,930,000 | $ 482,500 | $ 111,000 |
| Abilene, TX | 3 | $ 1,175,000 | $ 391,666 | $ 119,000 |
| Anaheim-Santa Ana-Irvine, CA | 3 | $ 2,335,000 | $ 778,333 | $ 233,000 |
| Anchorage, AK | 3 | $ 1,315,000 | $ 438,333 | $ 226,000 |
| College Station-Bryan, TX | 3 | $ 935,000 | $ 311,666 | $ 101,000 |
| Dayton-Springfield-Kettering, OH | 3 | $ 1,035,000 | $ 345,000 | $ 104,000 |
| Detroit-Dearborn-Livonia, MI | 3 | $ 885,000 | $ 295,000 | $ 111,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 765,000 | $ 255,000 | $ 87,000 |
| Jackson, MS | 3 | $ 1,385,000 | $ 461,666 | $ 151,000 |
| Jackson, TN | 3 | $ 585,000 | $ 195,000 | $ 62,000 |
| Manhattan, KS | 3 | $ 565,000 | $ 188,333 | $ 242,000 |
| Missoula, MT | 3 | $ 955,000 | $ 318,333 | $ 93,000 |
| Prescott Valley-Prescott, AZ | 3 | $ 1,555,000 | $ 518,333 | $ 257,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 3 | $ 1,495,000 | $ 498,333 | $ 186,000 |
| Salem, OR | 3 | $ 1,305,000 | $ 435,000 | $ 167,000 |
| Savannah, GA | 3 | $ 1,025,000 | $ 341,666 | $ 110,000 |
| Toledo, OH | 3 | $ 585,000 | $ 195,000 | $ 76,000 |
| Waco, TX | 3 | $ 835,000 | $ 278,333 | $ 218,000 |
| Wilmington, DE-MD-NJ | 3 | $ 1,555,000 | $ 518,333 | $ 163,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 840,000 | $ 420,000 | $ 59,000 |
| Baton Rouge, LA | 2 | $ 680,000 | $ 340,000 | $ 223,000 |
| Bend-Redmond, OR | 2 | $ 1,220,000 | $ 610,000 | $ 171,000 |
| Birmingham-Hoover, AL | 2 | $ 610,000 | $ 305,000 | $ 84,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 700,000 | $ 350,000 | $ 115,000 |
| Brunswick, GA | 2 | $ 410,000 | $ 205,000 | $ 96,000 |
| Burlington, NC | 2 | $ 700,000 | $ 350,000 | $ 146,000 |
| Cape Girardeau, MO-IL | 2 | $ 280,000 | $ 140,000 | $ 113,000 |
| Carbondale-Marion, IL | 2 | $ 910,000 | $ 455,000 | $ 142,000 |
| Carson City, NV | 2 | $ 370,000 | $ 185,000 | $ 145,000 |
| Charlottesville, VA | 2 | $ 900,000 | $ 450,000 | $ 389,000 |
| Cleveland, TN | 2 | $ 600,000 | $ 300,000 | $ 125,000 |
| Corpus Christi, TX | 2 | $ 810,000 | $ 405,000 | $ 143,000 |
| Dover, DE | 2 | $ 880,000 | $ 440,000 | $ 137,000 |
| Enid, OK | 2 | $ 710,000 | $ 355,000 | $ 162,000 |
| Eugene, OR | 2 | $ 780,000 | $ 390,000 | $ 128,000 |
| Fort Smith, AR-OK | 2 | $ 280,000 | $ 140,000 | $ 39,000 |
| Gainesville, GA | 2 | $ 690,000 | $ 345,000 | $ 136,000 |
| Great Falls, MT | 2 | $ 460,000 | $ 230,000 | $ 161,000 |
| Greenville, NC | 2 | $ 540,000 | $ 270,000 | $ 200,000 |
| Iowa City, IA | 2 | $ 780,000 | $ 390,000 | $ 304,000 |
| Killeen-Temple, TX | 2 | $ 830,000 | $ 415,000 | $ 159,000 |
| Lafayette, LA | 2 | $ 1,330,000 | $ 665,000 | $ 365,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 720,000 | $ 360,000 | $ 192,000 |
| Lawton, OK | 2 | $ 610,000 | $ 305,000 | $ 124,000 |
| Lexington-Fayette, KY | 2 | $ 560,000 | $ 280,000 | $ 96,000 |
| Lubbock, TX | 2 | $ 470,000 | $ 235,000 | $ 136,000 |
| Madison, WI | 2 | $ 740,000 | $ 370,000 | $ 99,000 |
| Manchester-Nashua, NH | 2 | $ 1,070,000 | $ 535,000 | $ 141,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 680,000 | $ 340,000 | $ 85,000 |
| Midland, TX | 2 | $ 900,000 | $ 450,000 | $ 121,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 1,080,000 | $ 540,000 | $ 93,000 |
| Norwich-New London, CT | 2 | $ 730,000 | $ 365,000 | $ 113,000 |
| Ocala, FL | 2 | $ 350,000 | $ 175,000 | $ 38,000 |
| Panama City, FL | 2 | $ 640,000 | $ 320,000 | $ 97,000 |
| Rockford, IL | 2 | $ 330,000 | $ 165,000 | $ 47,000 |
| San Angelo, TX | 2 | $ 770,000 | $ 385,000 | $ 143,000 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 890,000 | $ 445,000 | $ 193,000 |
| Sherman-Denison, TX | 2 | $ 650,000 | $ 325,000 | $ 108,000 |
| Shreveport-Bossier City, LA | 2 | $ 780,000 | $ 390,000 | $ 116,000 |
| Spartanburg, SC | 2 | $ 580,000 | $ 290,000 | $ 112,000 |
| St. George, UT | 2 | $ 870,000 | $ 435,000 | $ 209,000 |
| Tallahassee, FL | 2 | $ 660,000 | $ 330,000 | $ 121,000 |
| Topeka, KS | 2 | $ 420,000 | $ 210,000 | $ 95,000 |
| Winchester, VA-WV | 2 | $ 550,000 | $ 275,000 | $ 126,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 540,000 | $ 270,000 | $ 125,000 |
| Akron, OH | 1 | $ 355,000 | $ 355,000 | $ 157,000 |
| Albany, OR | 1 | $ 495,000 | $ 495,000 | $ 116,000 |
| Amarillo, TX | 1 | $ 215,000 | $ 215,000 | $ 78,000 |
| Athens-Clarke County, GA | 1 | $ 65,000 | $ 65,000 | $ 43,000 |
| Bakersfield, CA | 1 | $ 355,000 | $ 355,000 | $ 186,000 |
| Bloomington, IL | 1 | $ 345,000 | $ 345,000 | $ 120,000 |
| Bloomington, IN | 1 | $ 455,000 | $ 455,000 | $ 56,000 |
| Burlington-South Burlington, VT | 1 | $ 705,000 | $ 705,000 | $ 176,000 |
| Canton-Massillon, OH | 1 | $ 565,000 | $ 565,000 | $ 288,000 |
| Casper, WY | 1 | $ 285,000 | $ 285,000 | $ 92,000 |
| Cheyenne, WY | 1 | $ 335,000 | $ 335,000 | $ 194,000 |
| Coeur D'Alene, ID | 1 | $ 345,000 | $ 345,000 | $ 75,000 |
| Columbus, GA-AL | 1 | $ 475,000 | $ 475,000 | $ 96,000 |
| Corvallis, OR | 1 | $ 305,000 | $ 305,000 | $ 77,000 |
| Decatur, AL | 1 | $ 455,000 | $ 455,000 | $ 123,000 |
| East Stroudsburg, PA | 1 | $ 215,000 | $ 215,000 | $ 114,000 |
| Elgin, IL | 1 | $ 185,000 | $ 185,000 | $ 77,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 335,000 | $ 335,000 | $ 240,000 |
| Evansville, IN-KY | 1 | $ 165,000 | $ 165,000 | $ 52,000 |
| Fairbanks, AK | 1 | $ 315,000 | $ 315,000 | $ 203,000 |
| Flint, MI | 1 | $ 275,000 | $ 275,000 | $ 141,000 |
| Florence, SC | 1 | $ 495,000 | $ 495,000 | $ 229,000 |
| Fond Du Lac, WI | 1 | $ 235,000 | $ 235,000 | $ 71,000 |
| Fresno, CA | 1 | $ 375,000 | $ 375,000 | $ 80,000 |
| Gainesville, FL | 1 | $ 565,000 | $ 565,000 | $ 136,000 |
| Gettysburg, PA | 1 | $ 385,000 | $ 385,000 | $ 91,000 |
| Grand Forks, ND-MN | 1 | $ 465,000 | $ 465,000 | $ 101,000 |
| Harrisonburg, VA | 1 | $ 325,000 | $ 325,000 | $ 130,000 |
| Hattiesburg, MS | 1 | $ 485,000 | $ 485,000 | $ 113,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 305,000 | $ 305,000 | $ 215,000 |
| Homosassa Springs, FL | 1 | $ 155,000 | $ 155,000 | $ 81,000 |
| Hot Springs, AR | 1 | $ 175,000 | $ 175,000 | $ 60,000 |
| Idaho Falls, ID | 1 | $ 405,000 | $ 405,000 | $ 180,000 |
| Johnson City, TN | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Kennewick-Richland, WA | 1 | $ 395,000 | $ 395,000 | $ 315,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 185,000 | $ 185,000 | $ 46,000 |
| Lancaster, PA | 1 | $ 595,000 | $ 595,000 | $ 291,000 |
| Laredo, TX | 1 | $ 195,000 | $ 195,000 | $ 45,000 |
| Lewiston, ID-WA | 1 | $ 265,000 | $ 265,000 | $ 73,000 |
| Longview, TX | 1 | $ 415,000 | $ 415,000 | $ 163,000 |
| Medford, OR | 1 | $ 655,000 | $ 655,000 | $ 186,000 |
| Michigan City-La Porte, IN | 1 | $ 105,000 | $ 105,000 | $ 140,000 |
| Modesto, CA | 1 | $ 465,000 | $ 465,000 | $ 125,000 |
| Monroe, LA | 1 | $ 405,000 | $ 405,000 | $ 137,000 |
| Morgantown, WV | 1 | $ 225,000 | $ 225,000 | $ 488,000 |
| Morristown, TN | 1 | $ 195,000 | $ 195,000 | $ 119,000 |
| New Haven-Milford, CT | 1 | $ 425,000 | $ 425,000 | $ 172,000 |
| Oshkosh-Neenah, WI | 1 | $ 155,000 | $ 155,000 | $ 118,000 |
| Peoria, IL | 1 | $ 305,000 | $ 305,000 | $ 88,000 |
| Pittsburgh, PA | 1 | $ 435,000 | $ 435,000 | $ 190,000 |
| Pocatello, ID | 1 | $ 205,000 | $ 205,000 | $ 69,000 |
| Portland-South Portland, ME | 1 | $ 525,000 | $ 525,000 | $ 88,000 |
| Punta Gorda, FL | 1 | $ 525,000 | $ 525,000 | $ 171,000 |
| Rapid City, SD | 1 | $ 375,000 | $ 375,000 | $ 209,000 |
| Reading, PA | 1 | $ 785,000 | $ 785,000 | $ 272,000 |
| Rochester, MN | 1 | $ 235,000 | $ 235,000 | $ 202,000 |
| Rockingham County-Strafford County, NH | 1 | $ 255,000 | $ 255,000 | $ 124,000 |
| Rocky Mount, NC | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Rome, GA | 1 | $ 225,000 | $ 225,000 | $ 115,000 |
| Saginaw, MI | 1 | $ 375,000 | $ 375,000 | $ 96,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 645,000 | $ 645,000 | $ 171,000 |
| Santa Fe, NM | 1 | $ 515,000 | $ 515,000 | $ 176,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 525,000 | $ 525,000 | $ 214,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 315,000 | $ 315,000 | $ 95,000 |
| Sebring, FL | 1 | $ 295,000 | $ 295,000 | $ 113,000 |
| Sioux City, IA-NE-SD | 1 | $ 815,000 | $ 815,000 | $ 202,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 245,000 | $ 245,000 | $ 95,000 |
| Springfield, IL | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| Springfield, OH | 1 | $ 165,000 | $ 165,000 | $ 35,000 |
| State College, PA | 1 | $ 335,000 | $ 335,000 | $ 162,000 |
| Stockton-Lodi, CA | 1 | $ 515,000 | $ 515,000 | $ 379,000 |
| The Villages, FL | 1 | $ 85,000 | $ 85,000 | $ 45,000 |
| Twin Falls, ID | 1 | $ 495,000 | $ 495,000 | $ 210,000 |
| Vallejo-Fairfield, CA | 1 | $ 705,000 | $ 705,000 | $ 183,000 |
| Warner Robins, GA | 1 | $ 465,000 | $ 465,000 | $ 147,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 225,000 | $ 225,000 | $ 109,000 |
| York-Hanover, PA | 1 | $ 545,000 | $ 545,000 | $ 367,000 |
| Yuba City, CA | 1 | $ 395,000 | $ 395,000 | $ 140,000 |
| Yuma, AZ | 1 | $ 155,000 | $ 155,000 | $ 171,000 |
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.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.
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