Colorado State Bank & Trust NA Mortgage Lending & HMDA Data, 2009
In 2009, Colorado State Bank & Trust NA of Tulsa, OK reported 2,517 mortgage applications totaling $673.7 million, up 280% from 2008. The average application was for $267,659, and applicants reported an average income of $141,350. 60% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Denver-Aurora-Broomfield, CO (1,386), Colorado Springs, CO (208) and Pueblo, CO (110) (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 | 2,517 |
| Total Mortgage Loan Application Amount | $673,700,000 |
| Average Mortgage Loan Application Amount | $267,659 |
| Highest Mortgage Loan Application Amount | $3,600,000 |
| Average Applicant Income | $141,350 |
| Highest Applicant Income | $9,999,000 |
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records Colorado State Bank & Trust NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2009
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 | 1,541 | $416,804,000 | $270,000 | $3,513,000 | $121,000 | $3,860,000 |
| Home Purchase | 913 | $245,585,000 | $268,000 | $3,600,000 | $176,000 | $9,999,000 |
| Home Improvement | 63 | $11,311,000 | $179,000 | $1,190,000 | $137,000 | $1,006,000 |
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 | 1,788 | $462,498,000 | $258,000 | $3,600,000 | $137,000 | $9,999,000 |
| Not Provided | 506 | $168,468,000 | $332,000 | $3,500,000 | $177,000 | $3,860,000 |
| Hispanic | 127 | $22,368,000 | $176,000 | $918,000 | $97,000 | $3,218,000 |
| Asian | 50 | $11,703,000 | $234,000 | $944,000 | $120,000 | $375,000 |
| Black or African American | 25 | $4,918,000 | $196,000 | $417,000 | $40,000 | $126,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $2,382,000 | $198,000 | $549,000 | $117,000 | $640,000 |
| American Indian or Alaskan Native | 9 | $1,363,000 | $151,000 | $257,000 | $60,000 | $107,000 |
| Not applicable | 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) | 1,938 | $560,447,000 | $289,000 | $3,600,000 | $168,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 469 | $87,807,000 | $187,000 | $636,000 | $50,000 | $972,000 |
| VA-guaranteed (Veterans Administration) | 104 | $24,822,000 | $238,000 | $650,000 | $64,000 | $562,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $624,000 | $104,000 | $128,000 | $37,000 | $66,000 |
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 | 1,516 | $363,688,000 | $239,000 | $3,000,000 | $144,000 | $9,999,000 |
| Application Denied By Financial Institution | 422 | $125,411,000 | $297,000 | $3,600,000 | $129,000 | $3,860,000 |
| Application Withdrawn By Applicant | 417 | $143,164,000 | $343,000 | $3,513,000 | $158,000 | $9,663,000 |
| Preapproval Denied by Financial Institution | 69 | $16,363,000 | $237,000 | $1,000,000 | $78,000 | $1,008,000 |
| Application Approved But Not Accepted | 50 | $15,577,000 | $311,000 | $3,395,000 | $145,000 | $1,074,000 |
| File Closed For Incompleteness | 43 | $9,497,000 | $220,000 | $776,000 | $103,000 | $972,000 |
| 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 | 145 | $44,269,000 | $305,000 | $2,500,000 | $88,000 | $461,000 |
| Credit History | 111 | $24,799,000 | $223,000 | $2,000,000 | $90,000 | $2,121,000 |
| Credit Application Incomplete | 76 | $26,719,000 | $351,000 | $3,600,000 | $143,000 | $1,014,000 |
| Collateral | 74 | $16,835,000 | $227,000 | $1,500,000 | $135,000 | $1,217,000 |
| Other | 58 | $18,663,000 | $321,000 | $2,142,000 | $159,000 | $1,008,000 |
| Unverifiable Information | 10 | $2,750,000 | $275,000 | $562,000 | $134,000 | $415,000 |
| Employment History | 8 | $3,403,000 | $425,000 | $1,450,000 | $120,000 | $471,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $3,879,000 | $554,000 | $2,000,000 | $661,000 | $3,860,000 |
| Mortgage Insurance Denied | 2 | $457,000 | $228,000 | $300,000 | $90,000 | $130,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Colorado State Bank & Trust NA's 2009 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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