Kolby ODowd
Mortgage Loan Officer | NMLS# 2185409
After getting his start in banking in 2015 in consumer lending, Kolby wanted to get closer to home….and homes. A New Bloomfield graduate who grew up in Callaway County, Kolby jumped at the chance to become a mortgage loan officer at our Fu... Show More
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8 AM to 5 PM
Wed
8 AM to 5 PM
Thu
8 AM to 5 PM
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Reviews from Web
Kolby made the whole experience super easy!!!
Reply from Kolby ODowd
October 29th, 2025 12:36 PM
It's great to hear that the experience was easy for you. I'm pleased I could help. If there's anything else I can support you with, just let me know.
Kolby has been great to work with, very responsive and helpful!
Reply from Kolby ODowd
October 28th, 2025 08:03 PM
Thank you for the review, Katie. I enjoyed working with you on your refinance!
We had been inquiring about refinancing occasionally over the last year and Kolby told us he'd put us on a list to call when interest rates lowered enough. He did just that and contacted us on his own to get the process started. everything...
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Reply from Kolby ODowd
October 28th, 2025 12:46 PM
I appreciate your review, Steven. I'm glad everything proceeded smoothly during your refinance. If there's anything else I can assist with, please feel free to reach out.
Kolby was very professional and efficient.
Reply from Kolby ODowd
October 28th, 2025 12:47 PM
Thank you for your review, Helen! It was a pleasure working with you.
Easy to work with and timely responses to questions.
Reply from Kolby ODowd
October 24th, 2025 05:06 PM
Thank you for the review, Jesse! If you ever have more questions or need further assistance, feel free to reach out.
Personable and made the process easy to understand.
Reply from Kolby ODowd
October 14th, 2025 12:27 PM
I'm pleased to hear that you found the process straightforward and easy to understand, Kevin. If there's anything more I can assist you with, please feel free to get in touch.
He helped make the process as flawless as possible. One issue came up (2023) taxes out of his control and he handled it very well. The rest of the process before and after was a smooth process.
Reply from Kolby ODowd
October 3rd, 2025 02:51 PM
I appreciate your feedback, Kevin. It’s rewarding to know that I could help make the process go smoothly for you, even with the unexpected tax issue. If you have any more questions or need further assistance in the future, please feel free...
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it was a ok experience
Reply from Kolby ODowd
October 3rd, 2025 02:51 PM
Thank you for sharing your thoughts. If there's anything else I can assist with, please feel free to reach out.
I was a Customer at Bank star in New Bloomfield. Central bank came in all is good .great people . the people know me there and I can request stuff over the phone. Kolby actually went out of his way to to meet me there for our closing. Bobby...
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Reply from Kolby ODowd
September 30th, 2025 01:07 PM
I'm pleased to hear that you're enjoying your experience at Central Trust Bank, Christopher. It's great to know our team, including Bobby and Andrew, has made you feel welcome and known. I was happy to meet you for the closing. If you ever...
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Kolby was very helpful through our entire loan process. He made sure to explain everything, as we were first time homebuyers. I would recommend Kolby to anyone I know buying a home!
Reply from Kolby ODowd
September 2nd, 2025 12:52 PM
I'm pleased to know that you felt supported through the loan process, Angel. Thank you for your recommendation—I’m always here to help if you need anything further.
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About
After getting his start in banking in 2015 in consumer lending, Kolby wanted to get closer to home….and homes. A New Bloomfield graduate who grew up in Callaway County, Kolby jumped at the chance to become a mortgage loan officer at our Fulton location in the Brick Distict.With a strong background in banking and a sincere love of Callaway County, Kolby is ready to welcome you home.A graduate of Maryville University, Kolby and his wife Britni live in New Bloomfield with their two Dobermans. In his spare time, Kolby enjoys anything outdoors, including hunting, fishing, sporting events and spending time with family and friends.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
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Time Zone
Central Standard Time (CST)
Licenses
- NMLS# 2185409
Disclaimer
Equal Housing Lender | Member FDIC The Central Trust Bank NMLS ID # 407985