Colorado State Bank & Trust NA Mortgage Lending & HMDA Data, 2010
In 2010, Colorado State Bank & Trust NA of Tulsa, OK reported 2,395 mortgage applications totaling $579.3 million, down 5% from 2009. The average application was for $241,888, and applicants reported an average income of $138,615. 69% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Denver-Aurora-Broomfield, CO (1,479), Colorado Springs, CO (222) and Boulder, CO (80) (applications in parentheses).
| Mortgage Company & Address | Colorado State Bank & Trust NA Po Box 2300 Tulsa, OK 74102 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,395 |
| Total Mortgage Loan Application Amount | $579,323,000 |
| Average Mortgage Loan Application Amount | $241,888 |
| Highest Mortgage Loan Application Amount | $2,990,000 |
| Average Applicant Income | $138,615 |
| Highest Applicant Income | $6,478,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Colorado State Bank & Trust NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Colorado State Bank & Trust NA in 2010
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 1,244 | $330,989,000 | $266,000 | $2,990,000 | $147,000 | $6,478,000 |
| Home Purchase | 1,087 | $240,019,000 | $220,000 | $2,000,000 | $132,000 | $3,183,000 |
| Home Improvement | 64 | $8,315,000 | $129,000 | $1,300,000 | $88,000 | $492,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,819 | $426,212,000 | $234,000 | $2,990,000 | $133,000 | $6,478,000 |
| Not Provided | 387 | $120,397,000 | $311,000 | $2,000,000 | $194,000 | $2,682,000 |
| Hispanic | 118 | $18,128,000 | $153,000 | $413,000 | $60,000 | $252,000 |
| Black or African American | 32 | $6,059,000 | $189,000 | $417,000 | $75,000 | $230,000 |
| Asian | 30 | $6,061,000 | $202,000 | $391,000 | $126,000 | $618,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,472,000 | $245,000 | $539,000 | $76,000 | $174,000 |
| American Indian or Alaskan Native | 2 | $494,000 | $247,000 | $261,000 | $48,000 | $50,000 |
| Not applicable | 1 | $500,000 | $500,000 | $500,000 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,770 | $447,948,000 | $253,000 | $2,990,000 | $163,000 | $6,478,000 |
| FHA-insured (Federal Housing Administration) | 456 | $88,241,000 | $193,000 | $720,000 | $64,000 | $447,000 |
| VA-guaranteed (Veterans Administration) | 158 | $41,433,000 | $262,000 | $703,000 | $89,000 | $1,200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,701,000 | $154,000 | $285,000 | $39,000 | $71,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,646 | $392,902,000 | $238,000 | $2,974,000 | $138,000 | $4,684,000 |
| Application Denied By Financial Institution | 341 | $84,221,000 | $246,000 | $2,990,000 | $139,000 | $4,706,000 |
| Application Withdrawn By Applicant | 195 | $51,794,000 | $265,000 | $1,700,000 | $165,000 | $6,478,000 |
| File Closed For Incompleteness | 141 | $36,938,000 | $261,000 | $811,000 | $130,000 | $1,125,000 |
| Application Approved But Not Accepted | 43 | $8,269,000 | $192,000 | $468,000 | $114,000 | $401,000 |
| Preapproval Denied by Financial Institution | 29 | $5,199,000 | $179,000 | $460,000 | $70,000 | $166,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 101 | $24,556,000 | $243,000 | $1,470,000 | $79,000 | $1,058,000 |
| Collateral | 73 | $15,529,000 | $212,000 | $725,000 | $138,000 | $876,000 |
| Credit History | 71 | $12,876,000 | $181,000 | $988,000 | $97,000 | $785,000 |
| Other | 65 | $19,864,000 | $305,000 | $2,990,000 | $270,000 | $4,706,000 |
| Credit Application Incomplete | 24 | $6,622,000 | $275,000 | $1,200,000 | $114,000 | $280,000 |
| Employment History | 13 | $2,756,000 | $212,000 | $615,000 | $77,000 | $330,000 |
| Unverifiable Information | 12 | $3,303,000 | $275,000 | $900,000 | $128,000 | $453,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $3,589,000 | $358,000 | $1,500,000 | $164,000 | $414,000 |
| Mortgage Insurance Denied | 1 | $325,000 | $325,000 | $325,000 | $99,000 | $99,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Colorado State Bank & Trust NA's 2010 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Colorado State Bank & Trust NA's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Oklahoma, download the full spreadsheet
with aggregated HMDA statistics today.
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