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Multifamily record
The Central Trust Bank: multifamily loans made
The Central Trust Bank, a bank based in Jefferson City, MO, made 139 multifamily loans in 2024 and 2025, $250.7M in all, in 7 states. The typical loan was about $680K, and the largest about $25M. Most were in Boone County, MO.
- Evidence
- Multifamily loans made in 2024 and 2025, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Multifamily loans
- 139
- HMDA,
- 2024 and 2025. Manufactured-home parks excluded
- Dollars
- $251M
- HMDA,
- Rounded amounts
- Typical loan
- $680K
- HMDA,
- Largest loan
- $25M
- HMDA,
- Rounded to 2 significant figures
- States
- 7
- HMDA,
Cite this
Source: The Lender Report, The Central Trust Bank: multifamily loans made, https://lender.report/lender/central-trust-bank-mo/multifamily/, data as of December 31, 2025.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Greene County, MO | Purchase, 150 or more units | $25M | 5% | 2 yr | 60% | HMDA 2025 |
| 2025 | Wyandotte County, KS | Purchase, 100 to 149 units | $25M | 6.1% | 2 yr | 65% | HMDA 2025 |
| 2025 | Johnson County, KS | Refinance, 150 or more units | $22M | 6.6% | 2 yr | 60% | HMDA 2025 |
| 2025 | St. Charles County, MO | Refinance, 100 to 149 units | $12M | 5.68% | 2 yr | 46% | HMDA 2025 |
| 2025 | Johnson County, KS | Refinance, 50 to 99 units | $9.6M | 6.81% | 2 yr | 68% | HMDA 2025 |
| 2025 | Jasper County, MO | Purchase, 100 to 149 units | $7.8M | 6.75% | 2 yr | 77% | HMDA 2025 |
| 2025 | Vanderburgh County, IN | Cash-out refinance, 50 to 99 units | $6M | 6.28% | 5 yr | 59% | HMDA 2025 |
| 2025 | Johnson County, MO | Purchase, 50 to 99 units | $4.8M | 6.35% | 3 yr | 79% | HMDA 2025 |
| 2025 | St. Charles County, MO | Purchase, 25 to 49 units | $4.1M | 6.39% | 4 yr | 65% | HMDA 2025 |
| 2025 | Weld County, CO | Improvement, 25 to 49 units | $4.1M | 6.2% | 4 yr | 77% | HMDA 2025 |
| 2025 | Boone County, MO | Purchase, 5 to 24 units | $3.3M | 5.68% | 3 yr | 80% | HMDA 2025 |
| 2025 | Boone County, MO | Refinance, 5 to 24 units | $3.2M | 5.85% | 5 yr | 47% | HMDA 2025 |
| 2025 | Greene County, MO | Cash-out refinance, 25 to 49 units | $3M | 6.23% | 2 yr | 63% | HMDA 2025 |
| 2025 | Wyandotte County, KS | Cash-out refinance, 5 to 24 units | $3M | 5.91% | 6 yr | 50% | HMDA 2025 |
| 2025 | Madison County, IL | Purchase, 50 to 99 units | $2.8M | 6.36% | 2 yr | 72% | HMDA 2025 |
| 2025 | Boone County, MO | Purchase, 25 to 49 units | $2.7M | 6.5% | 5 yr | 76% | HMDA 2025 |
| 2025 | Jackson County, MO | Refinance, 100 to 149 units | $2.6M | 5.83% | 2 yr | 12% | HMDA 2025 |
| 2025 | St. Louis city, MO | Cash-out refinance, 5 to 24 units | $2.4M | 6.24% | 4 yr | 60% | HMDA 2025 |
| 2025 | Boone County, MO | Cash-out refinance, 5 to 24 units | $2.2M | 5.88% | 5 yr | 61% | HMDA 2025 |
| 2025 | Oklahoma County, OK | Purchase, 5 to 24 units | $2.2M | 6.95% | 3 yr | 76% | HMDA 2025 |
| 2025 | St. Louis County, MO | Purchase, 5 to 24 units | $1.8M | 6.61% | 2 yr | 66% | HMDA 2025 |
| 2025 | Jackson County, MO | Refinance, 5 to 24 units | $1.7M | 6.67% | 5 yr | 59% | HMDA 2025 |
| 2025 | St. Louis County, MO | Purchase, 50 to 99 units | $1.7M | 6.68% | 2 yr | 57% | HMDA 2025 |
| 2025 | St. Louis County, MO | Purchase, 50 to 99 units | $1.7M | 6.68% | 2 yr | 57% | HMDA 2025 |
| 2025 | St. Louis city, MO | Refinance, 5 to 24 units | $1.6M | 6.16% | 2 yr | 72% | HMDA 2025 |
| 139 multifamily loans made in 2024 and 2025 | $251M | HMDA 2024 and 2025 | |||||
A blank means the source did not report it.
| Place | As named | Loans | Dollars |
|---|---|---|---|
| Boone County, MO | County | 24 | $23.6M |
| Cole County, MO | County | 12 | $3.52M |
| Greene County, MO | County | 11 | $44.3M |
| Oklahoma County, OK | County | 11 | $6.68M |
| St. Louis County, MO | County | 11 | $15.2M |
| Johnson County, MO | County | 9 | $11.8M |
| Jackson County, MO | County | 7 | $10.4M |
| St. Louis city, MO | County | 7 | $9.30M |
| Missouri | State | 5 | $7.72M |
| St. Charles County, MO | County | 5 | $17.7M |
| Wyandotte County, KS | County | 4 | $29.1M |
| Camden County, MO | County | 3 | $1.46M |
A county is named only where the public file holds 5 or more multifamily loans there in the year; otherwise the metro area or the state is.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $1M | 83 | $35.5M |
| $1M to $2.5M | 35 | $54.8M |
| $2.5M to $5M | 13 | $43.3M |
| $5M to $10M | 4 | $33.1M |
| $10M or more | 4 | $84.0M |
| Year | Loans | Dollars | Typical loan |
|---|---|---|---|
| 2024 | 56 | $58.6M | $560K |
| 2025 | 83 | $192M | $800K |
| Purpose | Loans |
|---|---|
| Purchase | 96 |
| Refinance | 13 |
| Cash-out refinance | 19 |
| Improvement | 11 |
| Units | Loans |
|---|---|
| 5 to 24 units | 108 |
| 25 to 49 units | 10 |
| 50 to 99 units | 14 |
| 100 to 149 units | 4 |
| 150 or more units | 3 |
- The Central Trust Bank made 139 multifamily loans totaling $250.7M in 2024 and 2025, in 34 named places across 7 states. HMDA,
- It made 83 of them in 2025 and 56 in 2024. HMDA,
- The typical loan was about $680K, with the middle half between $360K and $1.6M. HMDA,
- The largest was about $25M. Every amount is rounded to 2 significant figures. HMDA,
- 83 loans were under $1M, and 8 were $5M or more. HMDA,
- It reported a median rate of 7.00% on 139 loans, with the middle half between 6.50% and 7.50%. HMDA,
- The median term was 3 years. HMDA,
- The median loan to value was 62%. HMDA,
- 23% of the loans were refinancings and 69% were purchases. HMDA,
- The most common property size was 5 to 24 units, with 108 loans. HMDA,
- Its loans were most often in Boone County, MO (24), Cole County, MO (12) and Greene County, MO (11). HMDA,
What we don't know
- Whether The Central Trust Bank is taking new multifamily loans today.
- Its minimum or maximum loan, its fees and its other terms. HMDA reports the rate, term and loan to value, and this page shows what it reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
Place is a county only where the public file holds 5 or more multifamily loans of that year there, otherwise the metro area or the state. Amounts are rounded to 2 significant figures and HMDA has a year, never a date.
HMDA covers dwelling-secured loans. Manufactured-home parks are left out of every count.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.