The Central Trust Bank Mortgage Review
See how often this lender's Bankrate auction price beats comparable loans from 2025.
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This lender is a Bankrate Auction Participant, meaning we verify their offer authenticity and hold them to high standards to ensure you get the best possible rate offer.
How Bankrate scores The Central Trust Bank Mortgage
- Price competitiveness
How often this lender's borrowers pay at or below the typical price for a comparable loan.
5 out of 5 - Amount of overpayment
How much extra borrowers ended up paying with this lender compared to the best price for a comparable loan. A higher percentile score is always better.
5 out of 5 - Customer complaints
How often consumers complain about this lender, and whether they get relief.
12%4 out of 5 - Where and what they lend
How many states and loan types this lender serves.
93%5 out of 5
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
2025 ratings, across all four measures
A few more details worth knowing
Though these don't affect the star rating, we show them so you have the full picture.
For applicants age 62 and older, we measure two things: whether this lender denies them more often than its own lending patterns would predict after accounting for loan size, income, debt-to-income ratio, and loan type; and whether it lends to them at rates similar to comparable lenders. Neither of those two measures fell outside the expected range. Credit scores are not available in this dataset, so they are not included in the analysis. Because that variable is held constant across all lenders, it should reduce the extent to which missing credit-score data affects comparisons between them.
We looked at how often a lender's applications end up as closed loans, not counting any that were denied or the applicant withdrew. At this lender, at least 95% did, which might mean quoted terms held up, applicants were well qualified, or both.
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What Bankrate's editors think
The Central Trust Bank — often shortened to just Central Bank — offers a selection of conventional and government-backed mortgages, including FHA, VA and USDA loans. It has physical branches in eight states: Missouri, Kansas, Oklahoma, Colorado, Arkansas, Illinois, Florida and North Carolina. Its Home Turf Assistance Program gives eligible first-time buyers a lender credit of $1,500 to $5,000 toward closing costs, down payment or prepaids, though it’s only available in specific neighborhoods within eight metro areas.
Central Bank’s prices and added costs both land in the middle of the pack compared with other lenders we rate. Its CFPB record is also strong — about 0.3 origination-related complaints per 1,000 loans, with 40% of resolved complaints ending in relief for the borrower — but any complaints at all cap the star rating at 4, even with numbers this good. Only about 3% of approved borrowers don’t make it to closing, one of the stronger closing records among lenders we review.
Its website offers little information. While each loan type has a dedicated page with basic information, there’s no rate data — you’ll need to request a quote or apply for preapproval to check the potential cost of borrowing through Central Bank.
At a glance
Good for borrowers in Missouri, Kansas, Oklahoma or Colorado who want in-person branch service, or first-time buyers who qualify for its Home Turf assistance program. Not a good fit if you want to compare rates online first — Central Bank doesn’t publish them, so you’ll need to apply or call a loan officer to see what you’d actually pay.
What consumers say
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Figures are drawn from public lending and complaint data and weighted by loan volume.
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