The Central Trust Bank Mortgage Lending & HMDA Data, 2024
In 2024, The Central Trust Bank of Jefferson City, MO reported 11,306 mortgage applications totaling $2.8 billion, about the same as 2023. The average application was for $249,961, and applicants reported an average income of $139,335. 66% of its applications resulted in an originated loan and 9% were denied. Its largest markets were St. Louis, MO-IL (1,278), Kansas City, MO-KS (1,259) and Jefferson City, MO (1,079) (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 | 11,306 |
| Total Mortgage Loan Application Amount | $2,826,060,000 |
| Average Mortgage Loan Application Amount | $249,961 |
| Highest Mortgage Loan Application Amount | $22,005,000 |
| Average Applicant Income | $139,335 |
| Highest Applicant Income | $4,229,000 |
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(HMDA) records The Central Trust Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,847 | $ 642,235,000 | $ 225,583 | $ 126,375 |
| St. Louis, MO-IL | 1,278 | $ 321,240,000 | $ 251,361 | $ 147,730 |
| Kansas City, MO-KS | 1,259 | $ 236,275,000 | $ 187,668 | $ 117,307 |
| Jefferson City, MO | 1,079 | $ 165,785,000 | $ 153,646 | $ 109,000 |
| Columbia, MO | 947 | $ 190,035,000 | $ 200,670 | $ 138,000 |
| Springfield, MO | 856 | $ 152,530,000 | $ 178,189 | $ 114,000 |
| Colorado Springs, CO | 458 | $ 184,500,000 | $ 402,838 | $ 156,000 |
| Oklahoma City, OK | 397 | $ 119,225,000 | $ 300,314 | $ 169,000 |
| Tulsa, OK | 214 | $ 44,710,000 | $ 208,925 | $ 118,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 176 | $ 56,160,000 | $ 319,090 | $ 155,000 |
| Raleigh, NC | 176 | $ 60,580,000 | $ 344,204 | $ 186,000 |
| Des Moines-West Des Moines, IA | 121 | $ 31,645,000 | $ 261,528 | $ 111,000 |
| Denver-Aurora-Lakewood, CO | 64 | $ 34,180,000 | $ 534,062 | $ 204,000 |
| Pueblo, CO | 58 | $ 14,530,000 | $ 250,517 | $ 93,000 |
| Naples-Immokalee-Marco Island, FL | 52 | $ 22,430,000 | $ 431,346 | $ 248,000 |
| Lawrence, KS | 51 | $ 7,055,000 | $ 138,333 | $ 133,000 |
| Wichita, KS | 49 | $ 13,155,000 | $ 268,469 | $ 140,000 |
| Joplin, MO | 46 | $ 8,060,000 | $ 175,217 | $ 91,652 |
| Grand Junction, CO | 44 | $ 13,120,000 | $ 298,181 | $ 119,000 |
| Dallas-Plano-Irving, TX | 42 | $ 24,300,000 | $ 578,571 | $ 270,000 |
| Durham-Chapel Hill, NC | 40 | $ 15,540,000 | $ 388,500 | $ 162,000 |
| Phoenix-Mesa-Scottsdale, AZ | 34 | $ 17,260,000 | $ 507,647 | $ 338,000 |
| Houston-The Woodlands-Sugar Land, TX | 33 | $ 13,225,000 | $ 400,757 | $ 161,000 |
| Charlotte-Concord-Gastonia, NC-SC | 30 | $ 13,900,000 | $ 463,333 | $ 246,733 |
| Chicago-Naperville, IL | 30 | $ 15,150,000 | $ 505,000 | $ 232,000 |
| Arlington-Alexandria-Reston, VA-WV | 28 | $ 15,920,000 | $ 568,571 | $ 206,178 |
| Atlanta-Sandy Springs-Roswell, GA | 28 | $ 13,000,000 | $ 464,285 | $ 193,000 |
| Cape Coral-Fort Myers, FL | 27 | $ 9,775,000 | $ 362,037 | $ 152,000 |
| Reno, NV | 23 | $ 12,005,000 | $ 521,956 | $ 187,000 |
| Seattle-Bellevue-Everett, WA | 22 | $ 14,730,000 | $ 669,545 | $ 276,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 19 | $ 9,305,000 | $ 489,736 | $ 187,000 |
| St. Joseph, MO-KS | 19 | $ 4,105,000 | $ 216,052 | $ 146,000 |
| Austin-Round Rock, TX | 18 | $ 9,660,000 | $ 536,666 | $ 205,000 |
| Wilmington, NC | 18 | $ 6,190,000 | $ 343,888 | $ 189,000 |
| Ames, IA | 15 | $ 3,345,000 | $ 223,000 | $ 113,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 15 | $ 9,705,000 | $ 647,000 | $ 221,800 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 14 | $ 5,700,000 | $ 407,142 | $ 212,000 |
| Pensacola-Ferry Pass-Brent, FL | 14 | $ 5,390,000 | $ 385,000 | $ 170,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 13 | $ 11,645,000 | $ 895,769 | $ 330,000 |
| Orlando-Kissimmee-Sanford, FL | 13 | $ 5,565,000 | $ 428,076 | $ 189,000 |
| Fort Worth-Arlington, TX | 12 | $ 4,780,000 | $ 398,333 | $ 180,000 |
| Salt Lake City, UT | 12 | $ 6,210,000 | $ 517,500 | $ 236,000 |
| Tampa, FL | 12 | $ 5,810,000 | $ 484,166 | $ 186,000 |
| Burlington, NC | 11 | $ 3,365,000 | $ 305,909 | $ 159,000 |
| Topeka, KS | 11 | $ 1,535,000 | $ 139,545 | $ 129,000 |
| Wilmington, DE-MD-NJ | 11 | $ 4,225,000 | $ 384,090 | $ 172,818 |
| Albuquerque, NM | 10 | $ 3,800,000 | $ 380,000 | $ 172,000 |
| Indianapolis-Carmel-Anderson, IN | 10 | $ 2,440,000 | $ 244,000 | $ 191,000 |
| Lakewood-New Brunswick, NJ | 10 | $ 5,370,000 | $ 537,000 | $ 169,000 |
| Los Angeles-Long Beach-Glendale, CA | 10 | $ 5,090,000 | $ 509,000 | $ 218,000 |
| Marietta, GA | 10 | $ 5,180,000 | $ 518,000 | $ 189,000 |
| New York-Jersey City-White Plains, NY-NJ | 10 | $ 6,260,000 | $ 626,000 | $ 242,000 |
| Palm Bay-Melbourne-Titusville, FL | 10 | $ 4,900,000 | $ 490,000 | $ 182,000 |
| Montgomery County-Bucks County-Chester County, PA | 9 | $ 5,215,000 | $ 579,444 | $ 251,000 |
| Miami-Miami Beach-Kendall, FL | 8 | $ 6,320,000 | $ 790,000 | $ 420,000 |
| North Port-Sarasota-Bradenton, FL | 8 | $ 4,650,000 | $ 581,250 | $ 257,000 |
| Richmond, VA | 8 | $ 3,410,000 | $ 426,250 | $ 166,000 |
| San Antonio-New Braunfels, TX | 8 | $ 4,090,000 | $ 511,250 | $ 156,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 8 | $ 3,300,000 | $ 412,500 | $ 142,375 |
| Asheville, NC | 7 | $ 2,605,000 | $ 372,142 | $ 144,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 7 | $ 2,005,000 | $ 286,428 | $ 174,000 |
| Fort Collins, CO | 7 | $ 2,425,000 | $ 346,428 | $ 137,000 |
| Fort Smith, AR-OK | 7 | $ 1,105,000 | $ 157,857 | $ 65,571 |
| Las Vegas-Henderson-Paradise, NV | 7 | $ 3,235,000 | $ 462,142 | $ 332,000 |
| Providence-Warwick, RI-MA | 7 | $ 4,345,000 | $ 620,714 | $ 244,000 |
| Provo-Orem, UT | 7 | $ 3,715,000 | $ 530,714 | $ 200,000 |
| San Diego-Carlsbad, CA | 7 | $ 5,295,000 | $ 756,428 | $ 272,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 7 | $ 3,925,000 | $ 560,714 | $ 523,000 |
| Chattanooga, TN-GA | 6 | $ 2,140,000 | $ 356,666 | $ 128,833 |
| Cincinnati, OH-KY-IN | 6 | $ 2,330,000 | $ 388,333 | $ 231,666 |
| Everett, WA | 6 | $ 3,780,000 | $ 630,000 | $ 250,000 |
| Greenville-Anderson-Mauldin, SC | 6 | $ 2,880,000 | $ 480,000 | $ 240,000 |
| Knoxville, TN | 6 | $ 3,170,000 | $ 528,333 | $ 488,000 |
| Rocky Mount, NC | 6 | $ 1,440,000 | $ 240,000 | $ 99,000 |
| Warren-Troy-Farmington Hills, MI | 6 | $ 2,630,000 | $ 438,333 | $ 307,000 |
| Washington, DC-MD | 6 | $ 3,170,000 | $ 528,333 | $ 246,000 |
| Anaheim-Santa Ana-Irvine, CA | 5 | $ 3,545,000 | $ 709,000 | $ 231,000 |
| Birmingham-Hoover, AL | 5 | $ 1,995,000 | $ 399,000 | $ 312,000 |
| Bridgeport-Stamford-Norwalk, CT | 5 | $ 3,145,000 | $ 629,000 | $ 222,000 |
| Cape Girardeau, MO-IL | 5 | $ 1,245,000 | $ 249,000 | $ 283,000 |
| Charleston-North Charleston, SC | 5 | $ 2,455,000 | $ 491,000 | $ 211,000 |
| Columbus, OH | 5 | $ 2,765,000 | $ 553,000 | $ 213,000 |
| Fayetteville, NC | 5 | $ 815,000 | $ 163,000 | $ 121,000 |
| Fort Wayne, IN | 5 | $ 1,465,000 | $ 293,000 | $ 163,000 |
| Greensboro-High Point, NC | 5 | $ 1,255,000 | $ 251,000 | $ 71,000 |
| Lexington-Fayette, KY | 5 | $ 985,000 | $ 197,000 | $ 190,000 |
| Louisville/Jefferson County, KY-IN | 5 | $ 2,315,000 | $ 463,000 | $ 173,600 |
| Augusta-Richmond County, GA-SC | 4 | $ 1,340,000 | $ 335,000 | $ 172,000 |
| Boulder, CO | 4 | $ 2,840,000 | $ 710,000 | $ 222,000 |
| Camden, NJ | 4 | $ 1,400,000 | $ 350,000 | $ 150,000 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 2,530,000 | $ 632,500 | $ 250,000 |
| Jacksonville, FL | 4 | $ 1,890,000 | $ 472,500 | $ 140,000 |
| Johnson City, TN | 4 | $ 2,460,000 | $ 615,000 | $ 473,000 |
| Jonesboro, AR | 4 | $ 1,320,000 | $ 330,000 | $ 351,000 |
| Little Rock-North Little Rock-Conway, AR | 4 | $ 1,290,000 | $ 322,500 | $ 113,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 4 | $ 1,290,000 | $ 322,500 | $ 126,000 |
| Oakland-Hayward-Berkeley, CA | 4 | $ 2,530,000 | $ 632,500 | $ 351,000 |
| Omaha-Council Bluffs, NE-IA | 4 | $ 1,800,000 | $ 450,000 | $ 184,000 |
| Pinehurst-Southern Pines, NC | 4 | $ 2,120,000 | $ 530,000 | $ 164,000 |
| Pittsburgh, PA | 4 | $ 1,270,000 | $ 317,500 | $ 126,000 |
| Punta Gorda, FL | 4 | $ 1,290,000 | $ 322,500 | $ 361,000 |
| Sioux City, IA-NE-SD | 4 | $ 760,000 | $ 190,000 | $ 141,000 |
| St. Petersburg-Clearwater-Largo, FL | 4 | $ 1,720,000 | $ 430,000 | $ 274,000 |
| Winchester, VA-WV | 4 | $ 1,310,000 | $ 327,500 | $ 237,000 |
| Winston-Salem, NC | 4 | $ 700,000 | $ 175,000 | $ 74,000 |
| Amarillo, TX | 3 | $ 485,000 | $ 161,666 | $ 57,000 |
| Anchorage, AK | 3 | $ 2,255,000 | $ 751,666 | $ 243,000 |
| Clarksville, TN-KY | 3 | $ 595,000 | $ 198,333 | $ 62,666 |
| Columbia, SC | 3 | $ 695,000 | $ 231,666 | $ 261,000 |
| Elgin, IL | 3 | $ 1,075,000 | $ 358,333 | $ 153,000 |
| Enid, OK | 3 | $ 575,000 | $ 191,666 | $ 88,000 |
| Farmington, NM | 3 | $ 395,000 | $ 131,666 | $ 49,000 |
| Greeley, CO | 3 | $ 1,195,000 | $ 398,333 | $ 110,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 1,385,000 | $ 461,666 | $ 163,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 905,000 | $ 301,666 | $ 164,000 |
| Huntsville, AL | 3 | $ 1,485,000 | $ 495,000 | $ 163,000 |
| Kahului-Wailuku-Lahaina, HI | 3 | $ 2,345,000 | $ 781,666 | $ 189,000 |
| Las Cruces, NM | 3 | $ 4,885,000 | $ 1,628,333 | $ 214,000 |
| Manchester-Nashua, NH | 3 | $ 1,385,000 | $ 461,666 | $ 208,000 |
| Newark, NJ-PA | 3 | $ 1,355,000 | $ 451,666 | $ 190,000 |
| Panama City, FL | 3 | $ 905,000 | $ 301,666 | $ 151,000 |
| Peoria, IL | 3 | $ 965,000 | $ 321,666 | $ 257,000 |
| Philadelphia, PA | 3 | $ 985,000 | $ 328,333 | $ 178,000 |
| Port St. Lucie, FL | 3 | $ 1,255,000 | $ 418,333 | $ 317,000 |
| Portland-South Portland, ME | 3 | $ 1,515,000 | $ 505,000 | $ 219,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 3 | $ 1,645,000 | $ 548,333 | $ 589,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 1,765,000 | $ 588,333 | $ 312,000 |
| Urban Honolulu, HI | 3 | $ 1,865,000 | $ 621,666 | $ 112,000 |
| Valdosta, GA | 3 | $ 915,000 | $ 305,000 | $ 85,000 |
| Abilene, TX | 2 | $ 750,000 | $ 375,000 | $ 131,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 1,100,000 | $ 550,000 | $ 143,000 |
| Bozeman, MT | 2 | $ 1,500,000 | $ 750,000 | $ 178,000 |
| Bremerton-Silverdale, WA | 2 | $ 470,000 | $ 235,000 | $ 84,000 |
| Burlington-South Burlington, VT | 2 | $ 1,370,000 | $ 685,000 | $ 210,000 |
| Charleston, WV | 2 | $ 540,000 | $ 270,000 | $ 98,000 |
| Cleveland, OH | 2 | $ 290,000 | $ 145,000 | $ 43,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 530,000 | $ 265,000 | $ 62,000 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 690,000 | $ 345,000 | $ 143,000 |
| Eugene, OR | 2 | $ 730,000 | $ 365,000 | $ 208,000 |
| Florence, SC | 2 | $ 660,000 | $ 330,000 | $ 87,000 |
| Goldsboro, NC | 2 | $ 680,000 | $ 340,000 | $ 92,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 1,010,000 | $ 505,000 | $ 420,000 |
| Greenville, NC | 2 | $ 390,000 | $ 195,000 | $ 312,000 |
| Hot Springs, AR | 2 | $ 380,000 | $ 190,000 | $ 126,000 |
| Jackson, MS | 2 | $ 280,000 | $ 140,000 | $ 52,000 |
| Jacksonville, NC | 2 | $ 250,000 | $ 125,000 | $ 106,000 |
| Killeen-Temple, TX | 2 | $ 440,000 | $ 220,000 | $ 74,000 |
| Lafayette-West Lafayette, IN | 2 | $ 1,030,000 | $ 515,000 | $ 169,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 510,000 | $ 255,000 | $ 166,000 |
| Lake County-Porter County-Jasper County, IN | 2 | $ 880,000 | $ 440,000 | $ 152,000 |
| Lynchburg, VA | 2 | $ 730,000 | $ 365,000 | $ 125,000 |
| Manhattan, KS | 2 | $ 460,000 | $ 230,000 | $ 180,000 |
| Medford, OR | 2 | $ 920,000 | $ 460,000 | $ 181,000 |
| New Haven-Milford, CT | 2 | $ 740,000 | $ 370,000 | $ 289,000 |
| New Orleans-Metairie, LA | 2 | $ 810,000 | $ 405,000 | $ 188,000 |
| Ocala, FL | 2 | $ 680,000 | $ 340,000 | $ 145,000 |
| Ogden-Clearfield, UT | 2 | $ 580,000 | $ 290,000 | $ 442,000 |
| Olympia-Tumwater, WA | 2 | $ 630,000 | $ 315,000 | $ 397,000 |
| Rockingham County-Strafford County, NH | 2 | $ 1,250,000 | $ 625,000 | $ 313,000 |
| Santa Rosa, CA | 2 | $ 750,000 | $ 375,000 | $ 194,000 |
| Savannah, GA | 2 | $ 500,000 | $ 250,000 | $ 0 |
| Sioux Falls, SD | 2 | $ 1,240,000 | $ 620,000 | $ 376,000 |
| Tucson, AZ | 2 | $ 1,150,000 | $ 575,000 | $ 225,000 |
| Tuscaloosa, AL | 2 | $ 260,000 | $ 130,000 | $ 20,000 |
| Waco, TX | 2 | $ 1,040,000 | $ 520,000 | $ 240,000 |
| Yuba City, CA | 2 | $ 970,000 | $ 485,000 | $ 126,000 |
| Akron, OH | 1 | $ 665,000 | $ 665,000 | $ 213,000 |
| Appleton, WI | 1 | $ 395,000 | $ 395,000 | $ 60,000 |
| Athens-Clarke County, GA | 1 | $ 365,000 | $ 365,000 | $ 250,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 255,000 | $ 255,000 | $ 70,000 |
| Auburn-Opelika, AL | 1 | $ 535,000 | $ 535,000 | $ 160,000 |
| Beckley, WV | 1 | $ 135,000 | $ 135,000 | $ 76,000 |
| Bellingham, WA | 1 | $ 895,000 | $ 895,000 | $ 0 |
| Bloomington, IL | 1 | $ 355,000 | $ 355,000 | $ 152,000 |
| Boise City, ID | 1 | $ 985,000 | $ 985,000 | $ 235,000 |
| Bowling Green, KY | 1 | $ 385,000 | $ 385,000 | $ 125,000 |
| Brunswick, GA | 1 | $ 315,000 | $ 315,000 | $ 111,000 |
| Carson City, NV | 1 | $ 215,000 | $ 215,000 | $ 65,000 |
| Cedar Rapids, IA | 1 | $ 85,000 | $ 85,000 | $ 48,000 |
| College Station-Bryan, TX | 1 | $ 685,000 | $ 685,000 | $ 295,000 |
| Corvallis, OR | 1 | $ 555,000 | $ 555,000 | $ 146,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 335,000 | $ 335,000 | $ 133,000 |
| Dothan, AL | 1 | $ 195,000 | $ 195,000 | $ 60,000 |
| Eau Claire, WI | 1 | $ 755,000 | $ 755,000 | $ 127,000 |
| Fargo, ND-MN | 1 | $ 715,000 | $ 715,000 | $ 555,000 |
| Flagstaff, AZ | 1 | $ 375,000 | $ 375,000 | $ 92,000 |
| Fond Du Lac, WI | 1 | $ 315,000 | $ 315,000 | $ 75,000 |
| Gainesville, FL | 1 | $ 275,000 | $ 275,000 | $ 228,000 |
| Gainesville, GA | 1 | $ 555,000 | $ 555,000 | $ 138,000 |
| Grand Island, NE | 1 | $ 205,000 | $ 205,000 | $ 53,000 |
| Green Bay, WI | 1 | $ 665,000 | $ 665,000 | $ 262,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 115,000 | $ 115,000 | $ 52,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Harrisburg-Carlisle, PA | 1 | $ 645,000 | $ 645,000 | $ 280,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 145,000 | $ 145,000 | $ 550,000 |
| Homosassa Springs, FL | 1 | $ 295,000 | $ 295,000 | $ 122,000 |
| Houma-Thibodaux, LA | 1 | $ 65,000 | $ 65,000 | $ 82,000 |
| Kankakee, IL | 1 | $ 455,000 | $ 455,000 | $ 124,000 |
| Lake Charles, LA | 1 | $ 285,000 | $ 285,000 | $ 185,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 225,000 | $ 225,000 | $ 10,000 |
| Lakeland-Winter Haven, FL | 1 | $ 195,000 | $ 195,000 | $ 250,000 |
| Lawton, OK | 1 | $ 205,000 | $ 205,000 | $ 36,000 |
| Lebanon, PA | 1 | $ 215,000 | $ 215,000 | $ 92,000 |
| Madison, WI | 1 | $ 395,000 | $ 395,000 | $ 123,000 |
| Memphis, TN-MS-AR | 1 | $ 45,000 | $ 45,000 | $ 69,000 |
| Missoula, MT | 1 | $ 125,000 | $ 125,000 | $ 170,000 |
| Mobile, AL | 1 | $ 205,000 | $ 205,000 | $ 76,000 |
| Monroe, LA | 1 | $ 305,000 | $ 305,000 | $ 199,000 |
| Montgomery, AL | 1 | $ 415,000 | $ 415,000 | $ 78,000 |
| Nassau County-Suffolk County, NY | 1 | $ 105,000 | $ 105,000 | $ 21,000 |
| Norwich-New London, CT | 1 | $ 195,000 | $ 195,000 | $ 80,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 1,085,000 | $ 1,085,000 | $ 213,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 495,000 | $ 495,000 | $ 128,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 1,005,000 | $ 1,005,000 | $ 159,000 |
| Roanoke, VA | 1 | $ 405,000 | $ 405,000 | $ 178,000 |
| Salem, OR | 1 | $ 405,000 | $ 405,000 | $ 121,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 765,000 | $ 765,000 | $ 459,000 |
| Santa Fe, NM | 1 | $ 355,000 | $ 355,000 | $ 435,000 |
| Sebastian-Vero Beach, FL | 1 | $ 85,000 | $ 85,000 | $ 33,000 |
| Sheboygan, WI | 1 | $ 295,000 | $ 295,000 | $ 178,000 |
| Sherman-Denison, TX | 1 | $ 345,000 | $ 345,000 | $ 131,000 |
| Shreveport-Bossier City, LA | 1 | $ 285,000 | $ 285,000 | $ 192,000 |
| Spartanburg, SC | 1 | $ 235,000 | $ 235,000 | $ 210,000 |
| Terre Haute, IN | 1 | $ 145,000 | $ 145,000 | $ 102,000 |
| Texarkana, TX-AR | 1 | $ 315,000 | $ 315,000 | $ 73,000 |
| Vallejo-Fairfield, CA | 1 | $ 705,000 | $ 705,000 | $ 205,000 |
| Victoria, TX | 1 | $ 395,000 | $ 395,000 | $ 230,000 |
| Vineland-Bridgeton, NJ | 1 | $ 235,000 | $ 235,000 | $ 121,000 |
| Warner Robins, GA | 1 | $ 355,000 | $ 355,000 | $ 98,000 |
| Waterbury-Shelton, CT | 1 | $ 525,000 | $ 525,000 | $ 159,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 235,000 | $ 235,000 | $ 215,000 |
| Wichita Falls, TX | 1 | $ 125,000 | $ 125,000 | $ 139,000 |
| Wildwood-The Villages, FL | 1 | $ 165,000 | $ 165,000 | $ 313,000 |
Mortgage Loan Application Detail Totals for The Central Trust Bank in 2024
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 | 6,417 | $2,097,935,000 | $326,000 | $22,005,000 | $148,000 | $4,229,000 |
| Other Purpose | 1,985 | $201,565,000 | $101,000 | $2,505,000 | $122,000 | $2,539,000 |
| Home Improvement | 1,166 | $88,240,000 | $75,000 | $1,205,000 | $118,000 | $1,919,000 |
| Cash-out Refinancing | 1,038 | $208,600,000 | $200,000 | $4,505,000 | $131,000 | $2,167,000 |
| Refinancing | 699 | $229,675,000 | $328,000 | $2,685,000 | $157,000 | $1,019,000 |
| Not Applicable | 1 | $45,000 | $45,000 | $45,000 | $135,000 | $135,000 |
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 | 8,418 | $1,948,410,000 | $231,000 | $4,505,000 | $138,000 | $4,229,000 |
| Not Provided | 834 | $254,810,000 | $305,000 | $2,505,000 | $164,000 | $1,086,000 |
| Hispanic | 679 | $165,445,000 | $243,000 | $1,675,000 | $112,000 | $825,000 |
| Not applicable | 442 | $174,650,000 | $395,000 | $22,005,000 | $0 | $0 |
| Black or African American | 419 | $88,975,000 | $212,000 | $955,000 | $98,000 | $479,000 |
| Asian | 410 | $167,490,000 | $408,000 | $2,045,000 | $207,000 | $1,310,000 |
| American Indian or Alaskan Native | 95 | $22,925,000 | $241,000 | $765,000 | $114,000 | $650,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $3,355,000 | $372,000 | $805,000 | $152,000 | $455,000 |
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) | 9,803 | $2,354,985,000 | $240,000 | $22,005,000 | $145,000 | $4,229,000 |
| FHA-insured (Federal Housing Administration) | 868 | $219,410,000 | $252,000 | $635,000 | $89,000 | $890,000 |
| VA-guaranteed (Veterans Administration) | 525 | $231,875,000 | $441,000 | $2,225,000 | $133,000 | $740,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 110 | $19,790,000 | $179,000 | $505,000 | $71,000 | $127,000 |
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 | 7,513 | $1,924,265,000 | $256,000 | $22,005,000 | $142,000 | $2,785,000 |
| Application Withdrawn By Applicant | 2,543 | $721,045,000 | $283,000 | $4,355,000 | $152,000 | $4,229,000 |
| Application Denied By Financial Institution | 1,012 | $122,650,000 | $121,000 | $1,085,000 | $90,000 | $1,175,000 |
| File Closed For Incompleteness | 96 | $15,130,000 | $157,000 | $955,000 | $126,000 | $900,000 |
| Application Approved But Not Accepted | 66 | $16,510,000 | $250,000 | $885,000 | $140,000 | $523,000 |
| Preapproval Approved but not Accepted | 62 | $20,390,000 | $328,000 | $845,000 | $136,000 | $523,000 |
| Preapproval Denied by Financial Institution | 7 | $3,825,000 | $546,000 | $1,875,000 | $110,000 | $243,000 |
| Loan Purchased By The Institution | 7 | $2,245,000 | $320,000 | $625,000 | $156,000 | $239,000 |
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 | 10,287 | $2,699,585,000 | $262,000 | $22,005,000 | $144,000 | $4,229,000 |
| Credit History | 498 | $42,470,000 | $85,000 | $905,000 | $96,000 | $1,175,000 |
| Debt-To-Income Ratio | 306 | $51,460,000 | $168,000 | $1,875,000 | $71,000 | $428,000 |
| Collateral | 132 | $15,750,000 | $119,000 | $685,000 | $107,000 | $733,000 |
| Unverifiable Information | 25 | $6,525,000 | $261,000 | $845,000 | $103,000 | $334,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 21 | $3,785,000 | $180,000 | $365,000 | $87,000 | $206,000 |
| Other | 20 | $3,460,000 | $173,000 | $985,000 | $119,000 | $600,000 |
| Employment History | 17 | $3,025,000 | $177,000 | $435,000 | $82,000 | $180,000 |
| 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 2024 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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