Lender profile · HMDA 2023–2025
The Central Trust Bank mortgage approval rates & lending data
The Central Trust Bank decided 11,922 mortgage applications and funded 11,073 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 7,592 / 7,810 | 99% | $265K | 7,540 |
| Home improvement loans | 77% | 1,017 / 1,317 | 98% | $55K | 1,000 |
| Cash-out refinance | 89% | 749 / 842 | 99% | $115K | 740 |
| Refinance | 91% | 451 / 493 | 98% | $305K | 441 |
| Investment property purchase | 97% | 1,058 / 1,089 | 99% | $195K | 1,044 |
| Investment cash-out refinance | 89% | 131 / 148 | 98% | $175K | 129 |
| Investment refinance | 97% | 93 / 96 | 95% | $195K | 88 |
| Investment home improvement | 74% | 94 / 127 | 97% | $75K | 91 |
The Central Trust Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Missouri | 92% | $225K | 6,020 | 5,476 |
| Oklahoma | 98% | $285K | 1,151 | 1,123 |
| Colorado | 99% | $405K | 1,003 | 987 |
| Kansas | 89% | $335K | 885 | 782 |
| North Carolina | 97% | $385K | 600 | 581 |
| Florida | 94% | $405K | 353 | 327 |
| Arkansas | 96% | $305K | 324 | 306 |
| Iowa | 95% | $215K | 323 | 308 |
| Texas | 93% | $395K | 212 | 196 |
| Illinois | 93% | $225K | 151 | 139 |
| Tennessee | 89% | $395K | 97 | 85 |
| Georgia | 95% | $425K | 73 | 69 |
| California | 90% | $775K | 71 | 63 |
| Virginia | 95% | $655K | 56 | 53 |
| Washington | 96% | $585K | 55 | 49 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.