Colorado State Bank & Trust NA Mortgage Lending & HMDA Data, 2008
In 2008, Colorado State Bank & Trust NA of Tulsa, OK reported 662 mortgage applications totaling $191.5 million, up 652% from 2007. The average application was for $289,303, and applicants reported an average income of $158,640. 44% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Denver-Aurora, CO (384), Colorado Springs, CO (15) and Boulder, CO (13) (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 | 662 |
| Total Mortgage Loan Application Amount | $191,519,000 |
| Average Mortgage Loan Application Amount | $289,303 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $158,640 |
| Highest Applicant Income | $6,391,000 |
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records Colorado State Bank & Trust NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2008
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 357 | $112,764,000 | $315,000 | $2,800,000 | $154,000 | $2,623,000 |
| Refinancing | 259 | $73,747,000 | $284,000 | $3,000,000 | $160,000 | $6,391,000 |
| Home Improvement | 46 | $5,008,000 | $108,000 | $750,000 | $187,000 | $3,960,000 |
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 | 468 | $135,169,000 | $288,000 | $2,842,000 | $143,000 | $2,984,000 |
| Not Provided | 103 | $38,868,000 | $377,000 | $3,000,000 | $274,000 | $6,391,000 |
| Hispanic | 45 | $8,592,000 | $190,000 | $1,400,000 | $122,000 | $2,066,000 |
| Black or African American | 17 | $3,599,000 | $211,000 | $840,000 | $129,000 | $645,000 |
| Asian | 15 | $2,873,000 | $191,000 | $704,000 | $88,000 | $256,000 |
| American Indian or Alaskan Native | 11 | $1,857,000 | $168,000 | $265,000 | $57,000 | $86,000 |
| Not applicable | 3 | $561,000 | $187,000 | $221,000 | $0 | $0 |
| 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) | 492 | $159,228,000 | $323,000 | $3,000,000 | $187,000 | $6,391,000 |
| FHA-insured (Federal Housing Administration) | 163 | $31,002,000 | $190,000 | $412,000 | $76,000 | $718,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,289,000 | $184,000 | $227,000 | $59,000 | $113,000 |
| 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 | 294 | $99,418,000 | $338,000 | $3,000,000 | $202,000 | $6,391,000 |
| Application Denied By Financial Institution | 175 | $42,527,000 | $243,000 | $2,705,000 | $140,000 | $3,960,000 |
| Preapproval Denied by Financial Institution | 155 | $39,231,000 | $253,000 | $2,660,000 | $100,000 | $1,260,000 |
| Application Withdrawn By Applicant | 24 | $8,488,000 | $353,000 | $2,000,000 | $188,000 | $1,175,000 |
| Application Approved But Not Accepted | 9 | $997,000 | $110,000 | $224,000 | $99,000 | $237,000 |
| Preapproval Approved but not Accepted | 4 | $724,000 | $181,000 | $308,000 | $67,000 | $97,000 |
| File Closed For Incompleteness | 1 | $134,000 | $134,000 | $134,000 | $67,000 | $67,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 129 | $32,585,000 | $252,000 | $1,690,000 | $141,000 | $1,260,000 |
| Debt-To-Income Ratio | 100 | $27,528,000 | $275,000 | $2,660,000 | $83,000 | $521,000 |
| Credit History | 58 | $10,213,000 | $176,000 | $620,000 | $72,000 | $339,000 |
| Collateral | 26 | $8,236,000 | $316,000 | $2,705,000 | $139,000 | $875,000 |
| Other | 7 | $1,293,000 | $184,000 | $375,000 | $123,000 | $216,000 |
| Unverifiable Information | 5 | $980,000 | $196,000 | $650,000 | $908,000 | $3,960,000 |
| Employment History | 2 | $203,000 | $101,000 | $123,000 | $27,000 | $37,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $688,000 | $344,000 | $522,000 | $139,000 | $207,000 |
| Mortgage Insurance Denied | 1 | $32,000 | $32,000 | $32,000 | $24,000 | $24,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Colorado State Bank & Trust NA's 2008 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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with aggregated HMDA statistics today.
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