The Central Trust Bank in Minnesota vs the state
7.7%Denial rate-5.91 pts vs state
12.5%Decision denial rate-3.85 pts vs state
53.9%Origination rate-12.52 pts vs state
6.38%Median rate-0.25 pts vs state
-0.21Rate spread (pts)-0.46 pts vs state
$280kMedian applicant income
7Loans originated
1Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 33 | 17 | 3.0% | 6.62% | #336 |
| 2024 | 21 | 9 | 0.0% | 6.49% | #377 |
| 2025 | 13 | 7 | 7.7% | 6.38% | #437 |
What The Central Trust Bank lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most The Central Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 4 | 2 | 0 | 0.0% |
| St. Louis County | 2 | 1 | 1 | 50.0% |
| Ramsey County | 2 | 2 | 0 | 0.0% |
| Dakota County | 1 | 0 | 0 | 0.0% |
| Washington County | 1 | 0 | 0 | 0.0% |
| Carver County | 1 | 0 | 0 | 0.0% |
| Wright County | 1 | 1 | 0 | 0.0% |
| Crow Wing County | 1 | 1 | 0 | 0.0% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 13 applications in 2025, of which 7 were originated and 1 denied.
7.7% of all applications, or 12.5% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans The Central Trust Bank originated in Minnesota in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are The Central Trust Bank's own HMDA filing for properties located in Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology