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 score and performance metrics.

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 an overall pricing score of 47/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is The Central Trust Bank?

The Central Trust Bank is a Bank headquartered in Jefferson City, MO.

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The Central Trust Bank

Bank•Jefferson City, MOHQ•Direct•Reviews near you on Google

We analyzed every closed loan from The Central Trust Bank — 4.3k loans across 6k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

3/5

National · 27 mkts

Awards

Conventional

Superstar

FHA

Superstar

Jumbo

Superstar

USDA

Superstar

Purchase

Superstar

Refinance

Superstar

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

Explore another lender or local market

Report Card

The Central Trust Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+25.9 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 20% of lenders

Strong

Top 40% of lenders

Jumbo

Exceptional

Top 20% of lenders

USDA

Exceptional

Top 20% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Exceptional

Top 20% of lenders

By Location· Geographic coverage

Geographic Reach

National · 28 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Exceptional	Sound	Strong	3,264	75.1%	+0.284%Above	$1,245Fees
FHA Loans	Strong	Exceptional	Sound	Strong	535	12.3%	+0.528%Above	$1,685Fees
VA Loans	Strong	Strong	Sound	Strong	327	7.5%	-0.311%Below	$1,855Fees
Jumbo Loans	Strong	Exceptional	Sound	Strong	142	3.3%	-0.107%Below	$1,322Fees
USDA Loans	Strong	Exceptional	Sound	Strong	79	1.8%	+0.385%Above	$1,672Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume3,264

Mix75.1%

Spread

+0.284%Above

Fees

$1,245Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume535

Mix12.3%

Spread

+0.528%Above

Fees

$1,685Fees

VA Loans

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume327

Mix7.5%

Spread

-0.311%Below

Fees

$1,855Fees

Jumbo Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume142

Mix3.3%

Spread

-0.107%Below

Fees

$1,322Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume79

Mix1.8%

Spread

+0.385%Above

Fees

$1,672Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Sound	Strong	3,844	88.4%	+0.257%Above	$1,338Fees
Refinance	Strong	Exceptional	Sound	Strong	503	11.6%	+0.276%Above	$1,369Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume3,844

Mix88.4%

Spread

+0.257%Above

Fees

$1,338Fees

Refinance

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume503

Mix11.6%

Spread

+0.276%Above

Fees

$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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast7

CTMENHNJPARIVT

Midwest11

IAILINKSMIMNMONDNEOHWI

South16

ALARDCDEFLGAKYLAMSNCOKSCTNTXVAWV

West12

AKAZCACOHIIDMTNMNVORUTWA

Top Metro Areas by Place Specialization Score

1© Katherine Dowler · CC BY-SA 3.0

Jefferson City, MOMetro

Volume 268Mix 6.17% of portfolio

96/100

Exceptional

2© Thomas Kirchel · CC BY-SA 4.0

Columbia, MOMetro

Volume 276Mix 6.35% of portfolio

94/100

Exceptional

3© Matt Turner · CC BY 2.0

Springfield, MOMetro

Volume 267Mix 6.14% of portfolio

89/100

Exceptional

St. Louis, MO, MO-ILMetro

Volume 632Mix 14.54% of portfolio

88/100

Exceptional

Colorado Springs, COMetro

Volume 264Mix 6.07% of portfolio

80/100

Strong

Kansas City, MO, MO-KSMetro

Volume 443Mix 10.19% of portfolio

80/100

Strong

Oklahoma City, OKMetro

Volume 183Mix 4.21% of portfolio

76/100

Strong

Fayetteville, ARMetro

Volume 93Mix 2.14% of portfolio

66/100

Strong

Raleigh, NCMetro

Volume 99Mix 2.28% of portfolio

66/100

Strong

Tulsa, OKMetro

Volume 97Mix 2.23% of portfolio

65/100

Strong

Showing 10 of 27 metro areas

Top States by Place Specialization Score

MissouriState

Volume 2,384Mix 54.84% of portfolio

92/100

Exceptional

ColoradoState

Volume 554Mix 12.74% of portfolio

78/100

Strong

KansasState

Volume 198Mix 4.55% of portfolio

75/100

Strong

OklahomaState

Volume 306Mix 7.04% of portfolio

75/100

Strong

North CarolinaState

Volume 233Mix 5.36% of portfolio

65/100

Strong

ArkansasState

Volume 107Mix 2.46% of portfolio

63/100

Strong

IowaState

Volume 102Mix 2.35% of portfolio

60/100

Strong

FloridaState

Volume 93Mix 2.14% of portfolio

51/100

Sound

IllinoisState

Volume 43Mix 0.99% of portfolio

49/100

Sound

TexasState

Volume 53Mix 1.22% of portfolio

46/100

Sound

Showing 10 of 22 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

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.