The Central Trust Bank in Florida vs the state
5.6%Denial rate-15.47 pts vs state
8.9%Decision denial rate-18.33 pts vs state
56.5%Origination rate+3.83 pts vs state
6.50%Median rate-0.13 pts vs state
0.18Rate spread (pts)-0.09 pts vs state
$160kMedian applicant income
91Loans originated
9Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 265 | 155 | 4.5% | 6.88% | #337 |
| 2024 | 204 | 125 | 3.4% | 6.88% | #376 |
| 2025 | 161 | 91 | 5.6% | 6.50% | #411 |
What The Central Trust Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most The Central Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Collier County | 41 | 27 | 5 | 12.2% |
| Lee County | 22 | 14 | 2 | 9.1% |
| Hillsborough County | 11 | 5 | 0 | 0.0% |
| Pinellas County | 9 | 4 | 0 | 0.0% |
| Broward County | 8 | 5 | 1 | 12.5% |
| Palm Beach County | 6 | 1 | 0 | 0.0% |
| Sumter County | 5 | 4 | 0 | 0.0% |
| Miami-Dade County | 5 | 2 | 0 | 0.0% |
| Charlotte County | 4 | 3 | 0 | 0.0% |
| Brevard County | 4 | 3 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 161 applications in 2025, of which 91 were originated and 9 denied.
5.6% of all applications, or 8.9% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans The Central Trust Bank originated in Florida in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are The Central Trust Bank's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology