The Central Trust Bank mortgage approval rate & lending review
The Central Trust Bank decided 11,922 mortgage applications and funded 11,073 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The Central Trust Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The Central Trust Bank at a glance
Approval is 11.4 points above the 82.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 7,592 / 7,810 | 99% | $265K | 7,540 |
| Home improvement loans | 77% | 1,017 / 1,317 | 98% | $55K | 1,000 |
| Cash-out refinance | 89% | 749 / 842 | 99% | $115K | 740 |
| Refinance | 91% | 451 / 493 | 98% | $305K | 441 |
| Investment property purchase | 97% | 1,058 / 1,089 | 99% | $195K | 1,044 |
| Investment cash-out refinance | 89% | 131 / 148 | 98% | $175K | 129 |
| Investment refinance | 97% | 93 / 96 | 95% | $195K | 88 |
| Investment home improvement | 74% | 94 / 127 | 97% | $75K | 91 |
The Central Trust Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Missouri | 92% | $225K | 6,020 | 5,476 |
| Oklahoma | 98% | $285K | 1,151 | 1,123 |
| Colorado | 99% | $405K | 1,003 | 987 |
| Kansas | 89% | $335K | 885 | 782 |
| North Carolina | 97% | $385K | 600 | 581 |
| Florida | 94% | $405K | 353 | 327 |
| Arkansas | 96% | $305K | 324 | 306 |
| Iowa | 95% | $215K | 323 | 308 |
| Texas | 93% | $395K | 212 | 196 |
| Illinois | 93% | $225K | 151 | 139 |
| Tennessee | 89% | $395K | 97 | 85 |
| Georgia | 95% | $425K | 73 | 69 |
| California | 90% | $775K | 71 | 63 |
| Virginia | 95% | $655K | 56 | 53 |
| Washington | 96% | $585K | 55 | 49 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where The Central Trust Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Boone County, MO | Mortgage lenders | 98% | 807 | 785 |
| El Paso County, CO | Mortgage lenders | 100% | 642 | 637 |
| Greene County, MO | Mortgage lenders | 96% | 493 | 464 |
| St. Louis County, MO | Mortgage lenders | 97% | 478 | 462 |
| St. Louis city, MO | Mortgage lenders | 97% | 478 | 462 |
| Jackson County, MO | Mortgage lenders | 94% | 459 | 424 |
| Oklahoma County, OK | Mortgage lenders | 99% | 398 | 391 |
| St. Charles County, MO | Mortgage lenders | 99% | 327 | 322 |
| Boone County, MO | Home improvement loans | 91% | 287 | 254 |
| Johnson County, KS | Mortgage lenders | 97% | 258 | 251 |
| Boone County, MO | Investment property purchase | 100% | 251 | 250 |
| Wake County, NC | Mortgage lenders | 100% | 234 | 232 |
The county markets where The Central Trust Bank made the most loans. Each link opens that market with every lender ranked.
Questions about The Central Trust Bank
What is The Central Trust Bank's mortgage approval rate?
The Central Trust Bank approved 93.8% of the 11,922 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.4 points above the 82.4% national rate for the same mix of loan types.
How often do borrowers take the loan The Central Trust Bank offers?
Borrowers accepted 99% of the loans The Central Trust Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does The Central Trust Bank make?
The typical home purchase mortgage loan The Central Trust Bank made was $265K; across all loan types its typical loan ran from $55K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The Central Trust Bank lend?
The Central Trust Bank decided applications in 48 of the states Fat Boy Data covers, most of them in Missouri, Oklahoma and Colorado.
Can I apply to The Central Trust Bank directly?
Yes. The Central Trust Bank is a bank or credit union with 165 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show The Central Trust Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how The Central Trust Bank treats applications, then get a rate quote from the lender.