# The Central Trust Bank

> **Canonical URL:** https://saferate.com/lenders/the-central-trust-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


The Central Trust Bank is a bank, headquartered in Jefferson City, MO, serving borrowers nationwide, with 4,347 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 53% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 25% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300UF3FPC7U6RFC59
- **Headquarters:** Jefferson City, MO
- **Geographic Reach:** National
- **States Served:** 46
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WV
- **Markets (MSAs):** 28
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 47/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 75/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.259%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,342
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 4,347
- **Dollar Volume:** $1.4 billion
- **Applications Received:** 6,180
- **Market Share:** 12.00%

## Typical Borrower Profile

- **Average Loan Amount:** $328,625
- **Average Borrower Income:** $141,803
- **Average Property Value:** $436,879

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (63%)
- ⭐ **Jumbo Gold Superstar** (70%)
- ⭐ **USDA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 87/100 | 3,264 | +0.284% | $1,245 | Exceptional 🤩 |
| FHA | 80/100 | 535 | +0.528% | $1,685 | Exceptional 🤩 |
| VA | 78/100 | 327 | -0.311% | $1,855 | Strong 😀 |
| Jumbo | 82/100 | 142 | -0.107% | $1,322 | Exceptional 🤩 |
| USDA | 84/100 | 79 | +0.385% | $1,672 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 2,843 loans, Score: 87/100 (Exceptional)
- Refinance: 421 loans, Score: 83/100 (Exceptional)

**FHA:**
- Purchase: 503 loans, Score: 80/100 (Exceptional)
- Refinance: 32 loans, Score: 72/100 (Strong)

**VA:**
- Purchase: 306 loans, Score: 78/100 (Strong)
- Refinance: 21 loans, Score: 49/100 (Sound)

**Jumbo:**
- Purchase: 114 loans, Score: 82/100 (Exceptional)
- Refinance: 28 loans, Score: 80/100 (Exceptional)

**USDA:**
- Purchase: 78 loans, Score: 84/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 87/100 | 3,844 | $1.3B | +0.257% | Exceptional 🤩 |
| Refinance | 82/100 | 503 | $163M | +0.276% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 2,384 | 3.19% | 92/100 |
| CO | 554 | 0.66% | 78/100 |
| OK | 306 | 0.74% | 75/100 |
| NC | 233 | 0.16% | 65/100 |
| KS | 198 | 0.66% | 75/100 |
| AR | 107 | 0.33% | 63/100 |
| IA | 102 | 0.29% | 60/100 |
| FL | 93 | 0.03% | 51/100 |
| TX | 53 | 0.02% | 46/100 |
| IL | 43 | 0.03% | 49/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 1,008 | 77/100 |
| St. Louis, MO | MO-IL | 632 | 88/100 |
| Kansas City, MO | MO-KS | 443 | 80/100 |
| Columbia, MO | MO | 276 | 94/100 |
| Jefferson City, MO | MO | 268 | 96/100 |
| Springfield, MO | MO | 267 | 89/100 |
| Colorado Springs, CO | CO | 264 | 80/100 |
| Oklahoma City, OK | OK | 183 | 76/100 |
| Raleigh | NC | 99 | 66/100 |
| Tulsa, OK | OK | 97 | 65/100 |
| Fayetteville | AR | 93 | 66/100 |
| Des Moines | IA | 82 | 64/100 |
| Wichita, KS | KS | 30 | 54/100 |
| Grand Junction, CO | CO | 27 | 57/100 |
| Durham | NC | 25 | 52/100 |

## Where This Lender Ranks

The Central Trust Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Columbia, MO for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/columbia-mo/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Columbia, MO for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/columbia-mo/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Columbia, MO for Jumbo Loans
  - [View Full Rankings](https://saferate.com/columbia-mo/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Columbia, MO for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/columbia-mo/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in Jefferson City, MO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/jefferson-city-mo/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Jefferson City, MO for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/jefferson-city-mo/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Springfield, MO for Jumbo Loans
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Springfield, MO for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in Springfield, MO for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Grand Junction, CO for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/grand-junction-co/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Missouri for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks/usda-loans)
- 🥈 **#2** in Columbia, MO Banks
  - [View Full Rankings](https://saferate.com/columbia-mo/best-mortgage-lenders/banks)
- 🥈 **#2** in Columbia, MO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/columbia-mo/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Columbia, MO for FHA Loans
  - [View Full Rankings](https://saferate.com/columbia-mo/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Jefferson City, MO
  - [View Full Rankings](https://saferate.com/jefferson-city-mo/best-mortgage-lenders)
- 🥈 **#2** in Jefferson City, MO for Conventional Loans
  - [View Full Rankings](https://saferate.com/jefferson-city-mo/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Jefferson City, MO for FHA Loans
  - [View Full Rankings](https://saferate.com/jefferson-city-mo/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Colorado Springs, CO Banks
  - [View Full Rankings](https://saferate.com/colorado-springs-co/best-mortgage-lenders/banks)
- 🥈 **#2** in Colorado Springs, CO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/colorado-springs-co/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Colorado Springs, CO for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/colorado-springs-co/best-mortgage-lenders/banks/fha-loans)

## Frequently Asked Questions

### What loan types does The Central Trust Bank offer?

The Central Trust Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does The Central Trust Bank offer mortgages?

The Central Trust Bank is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are The Central Trust Bank's mortgage rates?

The Central Trust Bank has a pricing score of 47/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.259% above market average.

### What type of lender is The Central Trust Bank?

The Central Trust Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Jefferson City, MO.

### What is The Central Trust Bank's loan approval success rate?

The Central Trust Bank has a pull-through score of 75/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/the-central-trust-bank

### How to Cite

> "The Central Trust Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-central-trust-bank

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