Lender in Kansas · HMDA 2025
The Central Trust Bank mortgages in Kansas
The Central Trust Bank's 2025 home-purchase and refinance lending in Kansas, compared with all lenders in the state.
The Central Trust Bank originated 205 owner-occupied single-family loans in Kansas from 210 completed applications.
Its median conventional purchase loan costs were $3,210 versus $3,290 for all Kansas lenders, at a median 30-year fixed rate of 6.625% (Kansas: 6.625%).
Loans in KS
205
of 210 applications
Denial rate
1.1%
Purchase · KS 6.6%
Rate spread
+0.15 pts
Conv. · KS +0.18 pts
Loan amount
$275,000
Purchase · KS $255,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 181 | 179 | 1.1% | 6.625% | +0.15 pts | $3,210 | $275,000 |
| Refinance | 20 | 19 | 0.0% | — | — | — | — |
| Cash-out refinance | 9 | 7 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Kansas counties where The Central Trust Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Wyandotte County | 8 | 46 | 2.4% |
| Cloud County | 21 | 1 | 1.0% |
| Grant County | 21 | 1 | 2.0% |
| Douglas County | 22 | 13 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology