Central Bank & Trust Company has 332 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 8.90 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
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Report Card
Central Bank & Trust Company performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 8.9 bps below market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
292 loans · 0.11% below market
Strong
Top 40% of lenders
4/5
FHA
16 loans · 0.20% above market
Sound
Top 60% of lenders
3/5
Jumbo
19 loans · 0.07% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
296 loans · 0.12% below market
Strong
Top 40% of lenders
4/5
Refinance
36 loans · 0.12% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 4 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 292 | 88.0% | -0.108%Below | $431Fees | ||||
FHA Loans | — | 16 | 4.8% | +0.202%Above | $223Fees | |||
Jumbo Loans | — | 19 | 5.7% | +0.072%Above | $194Fees |
Conventional
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume292
Mix88.0%
Spread
-0.108%Below
Fees
$431Fees
FHA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume16
Mix4.8%
Spread
+0.202%Above
Fees
$223Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume19
Mix5.7%
Spread
+0.072%Above
Fees
$194Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 296 | 89.2% | -0.115%Below | $413Fees | ||||
Refinance | 36 | 10.8% | +0.118%Above | $327Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume296
Mix89.2%
Spread
-0.115%Below
Fees
$413Fees
Refinance
OverallSound
ProductSound
PricingStrong
Pull ThroughStrong
Volume36
Mix10.8%
Spread
+0.118%Above
Fees
$327Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
332
Applications
417
Volume
$124 million
Pricing & Closing
Avg Rate Spread
-0.089%
vs. market APOR
Avg Net Fees
$403
Origination − Credits
Pullthrough Rate
79.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$373,795
Avg Borrower Income
$207,696
Avg Property Value
$505,693
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
8Full-year 2024 · HMDALoans originated
All statesNone
Midwest2
INOH
South5
FLKYNCSCTN
West1
CO
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.