Valley Bank & Trust Mortgage Lending & HMDA Data, 2003
In 2003, Valley Bank & Trust of Brighton, CO reported 55 mortgage applications totaling $7.1 million. The average application was for $128,654, and applicants reported an average income of $70,800. 75% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Denver, CO (27), Greeley, CO (15) and Boulder-Longmont, CO (6) (applications in parentheses).
| Mortgage Company & Address | Valley Bank & Trust 30 N 4th Avenue Brighton, CO 80601 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 55 |
| Total Mortgage Loan Application Amount | $7,076,000 |
| Average Mortgage Loan Application Amount | $128,654 |
| Highest Mortgage Loan Application Amount | $900,000 |
| Average Applicant Income | $70,800 |
| Highest Applicant Income | $300,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Valley Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Adams, Colorado | 25 | $ 2,412,000 | $ 96,480 | $ 50,000 |
| Weld, Colorado | 15 | $ 1,152,000 | $ 76,800 | $ 45,000 |
| Boulder, Colorado | 6 | $ 2,176,000 | $ 362,666 | $ 119,000 |
| Larimer, Colorado | 3 | $ 989,000 | $ 329,666 | $ 72,000 |
| Contra Costa, California | 1 | $ 81,000 | $ 81,000 | $ 222,000 |
| Arapahoe, Colorado | 1 | $ 46,000 | $ 46,000 | $ 42,000 |
| El Paso, Colorado | 1 | $ 20,000 | $ 20,000 | $ 41,000 |
| Jefferson, Colorado | 1 | $ 99,000 | $ 99,000 | $ 252,000 |
| Platte, Wyoming | 1 | $ 86,000 | $ 86,000 | $ 200,000 |
Mortgage Loan Application Detail Totals for Valley Bank & Trust 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 |
|---|---|---|---|---|---|---|
| Home Purchase (one-to-four family) | 23 | $3,410,000 | $107,000 | $900,000 | $164,666 | $300,000 |
| Home Improvement (one-to-four family) | 22 | $934,000 | $42,000 | $165,000 | $45,000 | $116,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 10 | $2,732,000 | $273,000 | $858,000 | $97,000 | $230,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $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 | 39 | $6,465,000 | $126,500 | $900,000 | $140,000 | $300,000 |
| Hispanic | 8 | $272,000 | $34,000 | $65,000 | $31,000 | $80,000 |
| Information not provided by applicant in mail or telephone application | 8 | $339,000 | $58,500 | $120,000 | $135,000 | $222,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian or Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black | 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) | 55 | $7,076,000 | $99,000 | $900,000 | $162,333 | $300,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 41 | $6,552,000 | $110,000 | $900,000 | $167,333 | $300,000 |
| Application Denied By Financial Institution | 12 | $372,000 | $31,000 | $123,000 | $44,000 | $116,000 |
| Application Withdrawn By Applicant | 2 | $152,000 | $76,000 | $120,000 | $51,000 | $64,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application 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 |
|---|---|---|---|---|---|---|
| Credit History | 6 | $255,000 | $42,000 | $123,000 | $29,000 | $48,000 |
| Debt-To-Income Ratio | 3 | $56,000 | $18,000 | $46,000 | $69,000 | $116,000 |
| Collateral | 1 | $43,000 | $43,000 | $43,000 | $61,000 | $61,000 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Valley Bank & Trust'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 Valley Bank & Trust'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 Colorado, download the full spreadsheet
with aggregated HMDA statistics today.
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