The Central Trust Bank closing costs and rates (2024)
In 2024, The Central Trust Bank originated 3,715 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $4,089. That ranks #129 nationally by origination volume. For total closing costs among lenders with 500+ originations, The Central Trust Bank ranks #124. That is $2,652 below the national median of $6,741. The Central Trust Bank is most active in Missouri with 1,973 originations there.
Purchase Originations
3,715
Ranked #129 nationally
Median Total Costs
$4,089
−39.3% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$1,369
Median Lender Credits
$450
Cost Rank (500+ vol.)
#124
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,773 | 6.875% | $3,645 | $1,300 |
| fha | 540 | 6.500% | $8,517 | $1,842 |
| va | 322 | 6.250% | $7,524 | $1,566 |
| usda | 80 | 6.375% | $5,030 | $1,501 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Missouri | 1,973 | 6.750% | $3,690 | #7 |
| Colorado | 512 | 6.625% | $5,589 | #30 |
| Oklahoma | 292 | 6.625% | $5,209 | #29 |
| North Carolina | 209 | 6.625% | $4,577 | #101 |
| Kansas | 177 | 6.625% | $3,348 | #40 |
| Arkansas | 100 | 6.750% | $3,932 | #61 |
| Iowa | 99 | 6.625% | $3,843 | #62 |
| Florida | 64 | 6.625% | $6,140 | #293 |
| Illinois | 37 | 6.625% | $4,363 | — |
| Texas | 37 | 6.250% | $7,246 | — |
| Georgia | 31 | 6.624% | $5,056 | — |
| Nevada | 17 | 6.625% | $5,458 | — |
| Virginia | 17 | 6.125% | $5,788 | — |
| Tennessee | 12 | 6.557% | $6,057 | — |
| Oregon | 10 | 5.870% | $9,270 | — |
| South Carolina | 10 | 6.058% | $4,522 | — |
| New Jersey | 9 | 6.124% | $7,196 | — |
| Ohio | 9 | 6.624% | $7,019 | — |
| Indiana | 8 | 6.562% | $2,761 | — |
| Minnesota | 8 | 6.433% | $4,217 | — |
| Arizona | 7 | 6.500% | $5,417 | — |
| California | 7 | 6.375% | $7,234 | — |
| Pennsylvania | 7 | 5.990% | $6,382 | — |
| Utah | 7 | 6.375% | $3,964 | — |
| New Mexico | 6 | 6.312% | $4,866 | — |
| Alabama | 5 | 6.000% | $4,197 | — |
| Michigan | 5 | 6.490% | $4,403 | — |
| Washington | 5 | 6.490% | $4,777 | — |
| Wisconsin | 5 | 6.125% | $4,679 | — |
| Kentucky | 4 | 6.558% | $6,912 | — |
| Nebraska | 4 | 7.062% | $5,315 | — |
| District of Columbia | 3 | 6.625% | $6,034 | — |
| Hawaii | 3 | 5.000% | $20,970 | — |
| Connecticut | 2 | 6.745% | $5,019 | — |
| Delaware | 2 | 5.933% | $3,970 | — |
| Louisiana | 2 | 6.312% | $4,680 | — |
| Mississippi | 2 | 6.620% | $5,836 | — |
| New Hampshire | 2 | 6.375% | $3,364 | — |
| West Virginia | 2 | 5.745% | $5,062 | — |
| Idaho | 1 | 5.500% | $9,362 | — |
| Maine | 1 | 6.500% | $5,356 | — |
| Montana | 1 | 7.125% | $5,366 | — |
| North Dakota | 1 | 5.990% | $11,477 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,088 | 6.875% | — | 165 | −$1,001 | |
| 2 | $3,227 | 6.875% | — | 49 | −$862 | |
| 3 | $3,302 | 6.750% | — | 125 | −$787 | |
| 4 | $3,411 | 6.875% | — | 49 | −$678 | |
| 5 | $3,445 | 6.625% | — | 76 | −$644 | |
| 6 | $3,471 | 6.750% | — | 213 | −$618 | |
| 7 | $3,719 | 6.625% | — | 60 | −$370 | |
| 8 | $3,775 | 6.750% | — | 59 | −$314 | |
| 9 | $3,779 | 6.995% | — | 70 | −$310 | |
| 10 | $3,866 | 6.750% | — | 201 | −$223 | |
| 11 | $3,870 | 6.750% | — | 166 | −$219 | |
| 12 | $4,072 | 6.625% | — | 145 | −$17 | |
| 13 | $4,137 | 6.750% | — | 60 | +$48 | |
| 14 | $4,139 | 6.750% | — | 62 | +$50 | |
| 15 | $4,286 | 6.625% | — | 78 | +$197 | |
| 16 | $4,427 | 6.875% | — | 107 | +$338 | |
| 17 | $4,459 | 6.750% | — | 125 | +$370 | |
| 18 | $5,715 | 6.500% | — | 57 | +$1,626 | |
| 19 | $6,099 | 6.490% | — | 241 | +$2,010 | |
| 20 | $7,558 | 6.875% | — | 49 | +$3,469 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.