Colorado State Bank & Trust NA Mortgage Lending & HMDA Data, 2003
In 2003, Colorado State Bank & Trust NA of Tulsa, OK reported 448 mortgage applications totaling $97.7 million. The average application was for $218,095, and applicants reported an average income of $76,921. 89% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Denver, CO (396), Boulder-Longmont, CO (8) and Colorado Springs, CO (4) (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 | 448 |
| Total Mortgage Loan Application Amount | $97,707,000 |
| Average Mortgage Loan Application Amount | $218,095 |
| Highest Mortgage Loan Application Amount | $11,200,000 |
| Average Applicant Income | $76,921 |
| Highest Applicant Income | $4,500,000 |
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records Colorado State Bank & Trust NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2003
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 (home purchase or home improvement, one-to-four family) | 288 | $55,269,000 | $238,500 | $650,000 | $97,625 | $2,621,000 |
| Home Purchase (one-to-four family) | 155 | $40,869,000 | $463,666 | $11,200,000 | $1,557,000 | $4,500,000 |
| Home Improvement (one-to-four family) | 4 | $202,000 | $50,000 | $151,000 | $392,000 | $1,460,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 1 | $1,367,000 | $1,367,000 | $1,367,000 | $0 | $0 |
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 | 391 | $87,510,000 | $258,444 | $11,200,000 | $265,222 | $4,500,000 |
| Hispanic | 25 | $4,001,000 | $160,000 | $272,000 | $51,000 | $206,000 |
| Asian or Pacific Islander | 12 | $1,713,000 | $142,000 | $212,000 | $35,000 | $82,000 |
| Black | 9 | $942,000 | $104,000 | $183,000 | $35,000 | $61,000 |
| Information not provided by applicant in mail or telephone application | 4 | $973,000 | $243,000 | $318,000 | $121,000 | $268,000 |
| Other | 4 | $617,000 | $154,000 | $218,000 | $50,000 | $68,000 |
| Not applicable | 2 | $1,507,000 | $753,000 | $1,367,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $444,000 | $444,000 | $444,000 | $105,000 | $105,000 |
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) | 353 | $80,823,000 | $259,000 | $11,200,000 | $265,333 | $4,500,000 |
| FHA-insured (Federal Housing Administration) | 85 | $15,116,000 | $177,000 | $255,000 | $45,000 | $359,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,768,000 | $176,000 | $250,000 | $47,000 | $99,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 399 | $77,097,000 | $226,888 | $1,367,000 | $99,444 | $2,621,000 |
| Application Withdrawn By Applicant | 28 | $16,848,000 | $793,000 | $11,200,000 | $2,282,000 | $4,500,000 |
| Application Approved But Not Accepted | 11 | $2,053,000 | $186,000 | $318,000 | $105,000 | $450,000 |
| Application Denied By Financial Institution | 7 | $1,079,000 | $154,000 | $350,000 | $53,000 | $107,000 |
| File Closed For Incompleteness | 3 | $630,000 | $210,000 | $278,000 | $72,000 | $86,000 |
| Loan Purchased By The Institution | 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 | 4 | $843,000 | $210,000 | $350,000 | $58,000 | $107,000 |
| Other | 3 | $236,000 | $78,000 | $126,000 | $46,000 | $62,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Colorado State Bank & Trust NA's 2003 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.
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