Applications / Mortgage Analytics / Lenders / Missouri / The Central Trust Bank
Jefferson City, MO · State member bank · FRS · $20.8 billion assets · 7,285 loans in 2025
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7,285
loans originated, 2025
10,804
applications, 2025
44
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Central Trust Bank made 7,285 loans, about double its 3,756 five years before after merging with seven banks in 2021, but it fell 3% last year while similar lenders (state member banks making between half and twice as many loans) typically grew 8%.
Loans jumped from 3,756 in 2020 to 11,050 in 2021, the year it merged with seven banks whose filings now count as its own. Volume has declined each year since, leaving its growth lower than about three-quarters of similar lenders while the whole market rose 10%.
Low- and moderate-income (LMI) borrowers took 32.1% of its loans, higher than about eight in ten similar lenders and up from 25.4% five years before. Its shares of loans insured by the Federal Housing Administration (7.9%) and guaranteed by the Department of Veterans Affairs (4.4%) were also above peers'.
Majority-minority areas took 6.9% of its loans against 17.5% for the typical peer, the lowest share among similar lenders. Its Missouri base, with rural Missouri and Columbia among its largest markets, may hold fewer such areas.
In Columbia, MO, it ranks 2 of 268, but its share fell 2.4 points to 10.1%. Its share rose in St. Louis and Kansas City, so the Columbia decline could reflect lending spread over a wider footprint.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Central Trust Bank took 10,804 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 59.8% · Refinance 18.5% · Home improvement 11.2% · Other 10.4%
Conventional 86.8% · FHA 7.9% · VA 4.4% · USDA (RHS or FSA) 0.9% · of 7,285 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Missouri | 4,768 | 65.4% |
| Colorado | 733 | 10.1% |
| Oklahoma | 544 | 7.5% |
| Kansas | 353 | 4.8% |
| North Carolina | 269 | 3.7% |
| Arkansas | 104 | 1.4% |
| Florida | 91 | 1.2% |
| Illinois | 68 | 0.9% |
| Iowa | 46 | 0.6% |
| Texas | 35 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 944 |
| Kansas City | 782 |
| Jefferson City | 748 |
| Columbia | 720 |
| Springfield | 569 |
| Oklahoma City | 331 |
| Colorado Springs | 275 |
| Tulsa | 180 |
| Raleigh-Cary | 107 |
| Fayetteville-Springdale-Rogers | 86 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300UF3FPC7U6RFC59 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 853952 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312633 | 2004–2013 |
| Respondent ID (the HMDA filer code before 2018) | 2853952 | 2014–2017 |
Established 3 February 1902. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: The Central Trust Bank's data.
The Central Trust Bank's data
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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