Purchase Originations
3,392
Ranked #148 nationally
Median Total Costs
$4,141
−38.0% vs national ($6,680)
↑ $52 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,350
Median Lender Credits
$500
Cost Rank (500+ vol.)
#120
among lenders with 500+ originations
Denial Rate
2.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,526 | 6.625% | $3,752 | $1,300 |
| fha | 537 | 6.375% | $8,220 | $1,842 |
| va | 265 | 6.125% | $6,554 | $1,500 |
| usda | 64 | 6.125% | $5,516 | $1,500 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Missouri | 1,861 | 6.625% | $3,808 | #6 |
| Colorado | 455 | 6.490% | $4,510 | #35 |
| Oklahoma | 342 | 6.490% | $4,926 | #21 |
| North Carolina | 190 | 6.625% | $4,564 | #108 |
| Kansas | 177 | 6.500% | $3,756 | #43 |
| Arkansas | 71 | 6.500% | $4,890 | #79 |
| Florida | 45 | 6.375% | $6,055 | — |
| Iowa | 39 | 6.500% | $3,575 | — |
| Nevada | 26 | 6.438% | $5,900 | — |
| Illinois | 23 | 6.625% | $3,697 | — |
| Texas | 20 | 6.250% | $6,403 | — |
| Georgia | 14 | 6.250% | $6,791 | — |
| California | 12 | 6.188% | $7,801 | — |
| South Carolina | 10 | 6.312% | $4,800 | — |
| Tennessee | 10 | 5.870% | $4,093 | — |
| Washington | 10 | 6.375% | $4,764 | — |
| Arizona | 8 | 6.250% | $6,834 | — |
| Virginia | 8 | 5.750% | $15,523 | — |
| Wisconsin | 8 | 6.188% | $3,072 | — |
| Oregon | 7 | 6.125% | $5,557 | — |
| Michigan | 6 | 6.624% | $3,641 | — |
| Minnesota | 4 | 6.433% | $4,808 | — |
| New Hampshire | 4 | 6.374% | $4,351 | — |
| Ohio | 4 | 6.370% | $6,677 | — |
| Utah | 4 | 5.938% | $3,548 | — |
| Wyoming | 4 | 6.557% | $3,947 | — |
| Alabama | 3 | 6.375% | $6,402 | — |
| Kentucky | 3 | 6.250% | $5,329 | — |
| Nebraska | 3 | 5.875% | $8,212 | — |
| South Dakota | 3 | 6.125% | $3,506 | — |
| Hawaii | 2 | 5.875% | $16,881 | — |
| Indiana | 2 | 6.312% | $2,612 | — |
| Maine | 2 | 6.557% | $7,292 | — |
| New Jersey | 2 | 6.125% | $8,461 | — |
| Pennsylvania | 2 | 6.433% | $7,883 | — |
| Rhode Island | 2 | 6.938% | $4,291 | — |
| Connecticut | 1 | 6.750% | $3,710 | — |
| District of Columbia | 1 | 5.750% | $12,439 | — |
| Idaho | 1 | 5.625% | $7,022 | — |
| Montana | 1 | 5.750% | $8,608 | — |
| New Mexico | 1 | 6.990% | $4,063 | — |
| Vermont | 1 | 6.750% | $6,481 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,277 | 6.750% | — | 42 | −$864 | |
| 2 | $3,340 | 6.625% | — | 134 | −$801 | |
| 3 | $3,364 | 6.625% | — | 109 | −$777 | |
| 4 | $3,493 | 6.500% | — | 52 | −$648 | |
| 5 | $3,550 | 6.500% | — | 231 | −$591 | |
| 6 | $3,558 | 6.495% | — | 76 | −$583 | |
| 7 | $3,599 | 6.500% | — | 59 | −$542 | |
| 8 | $3,687 | 6.750% | — | 71 | −$454 | |
| 9 | $3,806 | 6.625% | — | 47 | −$335 | |
| 10 | $3,884 | 6.625% | — | 142 | −$257 | |
| 11 | $4,002 | 6.500% | — | 53 | −$139 | |
| 12 | $4,119 | 6.625% | — | 207 | −$22 | |
| 13 | $4,206 | 6.625% | — | 66 | +$65 | |
| 14 | $4,216 | 6.375% | — | 147 | +$75 | |
| 15 | $4,447 | 6.500% | — | 136 | +$306 | |
| 16 | $4,490 | 6.375% | — | 191 | +$349 | |
| 17 | $4,491 | 6.500% | — | 108 | +$350 | |
| 18 | $4,890 | 6.500% | — | 49 | +$749 | |
| 19 | $5,046 | 6.500% | — | 47 | +$905 | |
| 20 | $5,810 | 6.375% | — | 83 | +$1,669 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | The Central Trust Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $275,000 | $335,000 | −$60,000 (−17.9%) |
| Median total closing costs | $4,141 | $7,127 | −$2,986 (−41.9%) |
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.