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The Central Trust Bank
Bank|Jefferson City, MO|National
Loans Originated
4,347
Applications
6,180
Volume
$1 billion
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Jumbo Superstar⭐USDA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.259%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,342
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
70.3%
Percentage of applications that result in closed loans
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
Report Card
The Central Trust Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Sound | National · 28 metro areas · 46 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$328,625
Average Borrower Income
$141,803
Average Property Value
$436,879
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% | $1,245 |
FHA Loans | Strong | Exceptional | Sound | Strong | 535 | 12.3% | +0.528% | $1,685 |
VA Loans | Strong | Strong | Sound | Strong | 327 | 7.5% | -0.311% | $1,855 |
Jumbo Loans | Strong | Exceptional | Sound | Strong | 142 | 3.3% | -0.107% | $1,322 |
USDA Loans | Strong | Exceptional | Sound | Strong | 79 | 1.8% | +0.385% | $1,672 |
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% | $1,338 |
Refinance | Strong | Exceptional | Sound | Strong | 503 | 11.6% | +0.276% | $1,369 |
Geographic Coverage
Metro Areas
27
States Served
46
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMEMIMNMOMSMTNCNDNENHNJNMNVOHOKORPARISCTNTXUTVAVTWAWIWV
Top Metro Areas by Place Specialization Score
1
Jefferson City, MO, MOMSA
Volume: 268Mix: 6.17%
Place Specialization
Exceptional
2
Columbia, MO, MOMSA
Volume: 276Mix: 6.35%
Place Specialization
Exceptional
3
Springfield, MO, MOMSA
Volume: 267Mix: 6.14%
Place Specialization
Exceptional
4
St. Louis, MO, MO-ILMSA
Volume: 632Mix: 14.54%
Place Specialization
Exceptional
5
Colorado Springs, CO, COMSA
Volume: 264Mix: 6.07%
Place Specialization
Strong
6
Kansas City, MO, MO-KSMSA
Volume: 443Mix: 10.19%
Place Specialization
Strong
7
Oklahoma City, OK, OKMSA
Volume: 183Mix: 4.21%
Place Specialization
Strong
8
Fayetteville, ARMSA
Volume: 93Mix: 2.14%
Place Specialization
Strong
9
Raleigh, NCMSA
Volume: 99Mix: 2.28%
Place Specialization
Strong
10
Tulsa, OK, OKMSA
Volume: 97Mix: 2.23%
Place Specialization
Strong
Showing 10 of 27 metro areas
Top States by Place Specialization Score
1
MOState
Volume: 2,384Mix: 54.84%
Place Specialization
Exceptional
2
COState
Volume: 554Mix: 12.74%
Place Specialization
Strong
3
KSState
Volume: 198Mix: 4.55%
Place Specialization
Strong
4
OKState
Volume: 306Mix: 7.04%
Place Specialization
Strong
5
NCState
Volume: 233Mix: 5.36%
Place Specialization
Strong
6
ARState
Volume: 107Mix: 2.46%
Place Specialization
Strong
7
IAState
Volume: 102Mix: 2.35%
Place Specialization
Strong
8
FLState
Volume: 93Mix: 2.14%
Place Specialization
Sound
9
ILState
Volume: 43Mix: 0.99%
Place Specialization
Sound
10
TXState
Volume: 53Mix: 1.22%
Place Specialization
Sound
Showing 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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