PlainLender

RNB State Bank

Longmont, CO

RNB State Bank processed 36 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 24 loans with a 11.1% denial rate. Home Purchase was the primary loan purpose. Based in Longmont, CO. The approval rate of 66.7% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. RNB State Bank's 66.7% origination rate tells you how often an application turned into funded money; the 11.1% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (36 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

36
Applications
24
Originated
11.1%
Denial Rate
$330,556
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 36 24 4 $330,556

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for RNB State Bank (LEI: 2549001FRVJW21ARMV74) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 22 14 $384,091
Refinancing 11 8 $300,455
Other 3 2 $48,333

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White * 29 58.6% 13.8%
Joint * 1 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino * 27 63.0% 7.4%
Joint * 2 0.0% 100.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in CO

Other HMDA-reporting lenders in CO with similar activity. Compare any two side-by-side.

Pulte Mortgage LLC

Englewood, CO

28,004 apps 19,692 originated 10.9% denied

American Financing Corporation

AURORA, CO

25,138 apps 4,785 originated 52.0% denied

Ent Credit Union (68671)

COLORADO SPRINGS, CO

12,486 apps 7,861 originated 23.0% denied

Bellco Credit Union

GREENWOOD VILLAGE, CO

9,877 apps 4,150 originated 30.7% denied

Mortgage Solutions of Colorado

Colorado Springs, CO

9,759 apps 5,786 originated 3.7% denied
Compare RNB State Bank vs Pulte Mortgage LLC →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did RNB State Bank process?
RNB State Bank processed 36 mortgage applications in the 2024 HMDA reporting year. Of these, 24 were originated (approved and funded), 8 were withdrawn by the applicant, and 4 were denied.
What is RNB State Bank's mortgage approval rate?
RNB State Bank has an approval (origination) rate of 66.7%, meaning 66.7% of all applications resulted in a funded mortgage. The denial rate is 11.1%.
What is the average loan amount at RNB State Bank?
The average mortgage loan amount at RNB State Bank is $330,556.
What types of mortgage loans does RNB State Bank offer?
RNB State Bank processes Conventional loans. The most common type is Conventional with 36 applications and an average loan amount of $330,556.
What loan purposes does RNB State Bank serve?
RNB State Bank serves the following loan purposes: Home Purchase (22 applications), Refinancing (11 applications), Other (3 applications). Home Purchase is the most common purpose.
Where is RNB State Bank located?
RNB State Bank is headquartered in Longmont, CO. The lender is identified by LEI 2549001FRVJW21ARMV74 in HMDA data.
How does RNB State Bank compare in lending across racial demographics?
RNB State Bank reports demographic lending data under HMDA requirements. White applicants have an approval rate of 58.6% and denial rate of 13.8%; Joint applicants have an approval rate of 100.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.