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We analyzed every closed loan from The Central Trust Bank — 4.3k loans across 6k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Sound
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
National · 27 mkts
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Jumbo Superstar⭐USDA Superstar⭐Purchase Superstar⭐Refinance Superstar
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Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
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Report Card
The Central Trust Bank performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Industry Standard +25.9 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Market Leader Top 20% of lenders | |
USDA | Market Leader Top 20% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Market Leader Top 20% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders National28 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 3,264 | 75.1% | +0.284%Above | $1,245Fees | ||||
FHA Loans | 535 | 12.3% | +0.528%Above | $1,685Fees | ||||
VA Loans | 327 | 7.5% | -0.311%Below | $1,855Fees | ||||
Jumbo Loans | 142 | 3.3% | -0.107%Below | $1,322Fees | ||||
USDA Loans | 79 | 1.8% | +0.385%Above | $1,672Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 3,844 | 88.4% | +0.257%Above | $1,338Fees | ||||
Refinance | 503 | 11.6% | +0.276%Above | $1,369Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
4,347
Applications
6,180
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.259%
vs. market APOR
Avg Net Fees
$1,342
Origination − Credits
Pullthrough Rate
70.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$328,625
Avg Borrower Income
$141,803
Avg Property Value
$436,879
Geographic Coverage
Geographic Performance
Metro Areas
27
States Served
46
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMEMIMNMOMSMTNCNDNENHNJNMNVOHOKORPARISCTNTXUTVAVTWAWIWV
Top Metro Areas by Place Specialization Score
1
Jefferson City, MO, MOMSA
Volume: 268Mix: 6.17%of portfolio
Place
Exceptional2
Columbia, MO, MOMSA
Volume: 276Mix: 6.35%of portfolio
Place
Exceptional3
Springfield, MO, MOMSA
Volume: 267Mix: 6.14%of portfolio
Place
Exceptional4
St. Louis, MO, MO-ILMSA
Volume: 632Mix: 14.54%of portfolio
Place
Exceptional5
Colorado Springs, CO, COMSA
Volume: 264Mix: 6.07%of portfolio
Place
Strong6
Kansas City, MO, MO-KSMSA
Volume: 443Mix: 10.19%of portfolio
Place
Strong7
Oklahoma City, OK, OKMSA
Volume: 183Mix: 4.21%of portfolio
Place
Strong8
Fayetteville, ARMSA
Volume: 93Mix: 2.14%of portfolio
Place
Strong9
Raleigh, NCMSA
Volume: 99Mix: 2.28%of portfolio
Place
Strong10
Tulsa, OK, OKMSA
Volume: 97Mix: 2.23%of portfolio
Place
StrongShowing 10 of 27 metro areas
Top States by Place Specialization Score
1
MOState
Volume: 2,384Mix: 54.84%of portfolio
Place
Exceptional2
COState
Volume: 554Mix: 12.74%of portfolio
Place
Strong3
KSState
Volume: 198Mix: 4.55%of portfolio
Place
Strong4
OKState
Volume: 306Mix: 7.04%of portfolio
Place
Strong5
NCState
Volume: 233Mix: 5.36%of portfolio
Place
Strong6
ARState
Volume: 107Mix: 2.46%of portfolio
Place
Strong7
IAState
Volume: 102Mix: 2.35%of portfolio
Place
Strong8
FLState
Volume: 93Mix: 2.14%of portfolio
Place
Sound9
ILState
Volume: 43Mix: 0.99%of portfolio
Place
Sound10
TXState
Volume: 53Mix: 1.22%of portfolio
Place
SoundShowing 10 of 22 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.