The Central Trust Bank in Missouri vs the state
9.7%Denial rate-5.34 pts vs state
12.4%Decision denial rate-6.31 pts vs state
67.9%Origination rate+5.24 pts vs state
6.63%Median rate0.00 pts vs state
0.35Rate spread (pts)0.00 pts vs state
$94kMedian applicant income
4,768Loans originated
683Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6,769 | 4,647 | 11.9% | 6.99% | #3 |
| 2024 | 7,110 | 4,795 | 11.1% | 6.88% | #3 |
| 2025 | 7,022 | 4,768 | 9.7% | 6.63% | #5 |
What The Central Trust Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most The Central Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Boone County | 968 | 675 | 68 | 7.0% |
| Cole County | 668 | 480 | 52 | 7.8% |
| St. Louis County | 540 | 401 | 30 | 5.6% |
| Greene County | 481 | 329 | 47 | 9.8% |
| Camden County | 423 | 278 | 44 | 10.4% |
| Jackson County | 387 | 251 | 57 | 14.7% |
| St. Charles County | 274 | 194 | 11 | 4.0% |
| Callaway County | 272 | 185 | 24 | 8.8% |
| St. Louis city | 261 | 202 | 11 | 4.2% |
| Taney County | 255 | 183 | 22 | 8.6% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
| Pennymac Loan Services | C | 4,610 | 12.1% | 6.38% |
Frequently asked questions
Missouri: 7,022 applications in 2025, of which 4,768 were originated and 683 denied.
9.7% of all applications, or 12.4% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans The Central Trust Bank originated in Missouri in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are The Central Trust Bank's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology