Colorado State Bank & Trust NA Mortgage Lending & HMDA Data, 2007
In 2007, Colorado State Bank & Trust NA of Tulsa, OK reported 88 mortgage applications totaling $17.6 million, up 126% from 2006. The average application was for $199,920, and applicants reported an average income of $169,625. 67% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Denver-Aurora, CO (75), Boulder, CO (4) and Greeley, CO (1) (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 | 88 |
| Total Mortgage Loan Application Amount | $17,593,000 |
| Average Mortgage Loan Application Amount | $199,920 |
| Highest Mortgage Loan Application Amount | $2,846,000 |
| Average Applicant Income | $169,625 |
| Highest Applicant Income | $2,983,000 |
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records Colorado State Bank & Trust NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2007
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 | 35 | $8,370,000 | $239,000 | $1,700,000 | $227,000 | $2,983,000 |
| Home Improvement | 31 | $1,932,000 | $62,000 | $225,000 | $84,000 | $354,000 |
| Home Purchase | 22 | $7,291,000 | $331,000 | $2,846,000 | $199,000 | $2,983,000 |
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 | 66 | $13,332,000 | $202,000 | $2,846,000 | $201,000 | $2,983,000 |
| Asian | 6 | $1,323,000 | $220,000 | $417,000 | $64,000 | $183,000 |
| Not Provided | 5 | $914,000 | $182,000 | $251,000 | $154,000 | $258,000 |
| Not applicable | 4 | $1,171,000 | $292,000 | $400,000 | $0 | $0 |
| Black or African American | 3 | $180,000 | $60,000 | $150,000 | $91,000 | $133,000 |
| Hispanic | 2 | $398,000 | $199,000 | $218,000 | $55,000 | $64,000 |
| American Indian or Alaskan Native | 2 | $275,000 | $137,000 | $255,000 | $55,000 | $73,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $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) | 86 | $17,143,000 | $199,000 | $2,846,000 | $172,000 | $2,983,000 |
| FHA-insured (Federal Housing Administration) | 2 | $450,000 | $225,000 | $255,000 | $88,000 | $103,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 59 | $14,445,000 | $244,000 | $2,846,000 | $211,000 | $2,983,000 |
| Application Denied By Financial Institution | 22 | $2,400,000 | $109,000 | $313,000 | $88,000 | $258,000 |
| Application Approved But Not Accepted | 4 | $201,000 | $50,000 | $150,000 | $70,000 | $106,000 |
| Application Withdrawn By Applicant | 2 | $329,000 | $164,000 | $229,000 | $99,000 | $198,000 |
| Preapproval Denied by Financial Institution | 1 | $218,000 | $218,000 | $218,000 | $46,000 | $46,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 13 | $1,560,000 | $120,000 | $313,000 | $83,000 | $250,000 |
| Credit History | 5 | $583,000 | $116,000 | $313,000 | $51,000 | $94,000 |
| Collateral | 3 | $212,000 | $70,000 | $100,000 | $96,000 | $128,000 |
| Unverifiable Information | 2 | $263,000 | $131,000 | $200,000 | $183,000 | $258,000 |
| Credit Application Incomplete | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Colorado State Bank & Trust NA's 2007 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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