Valley Bank & Trust Mortgage Lending & HMDA Data, 2004
In 2004, Valley Bank & Trust of Brighton, CO reported 72 mortgage applications totaling $5.2 million, up 31% from 2003. The average application was for $72,388, and applicants reported an average income of $63,888. 61% of its applications resulted in an originated loan and 32% were denied. Its largest markets were Denver-Aurora, CO (42), Greeley, CO (18) and Boulder, CO (4) (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 | 72 |
| Total Mortgage Loan Application Amount | $5,212,000 |
| Average Mortgage Loan Application Amount | $72,388 |
| Highest Mortgage Loan Application Amount | $854,000 |
| Average Applicant Income | $63,888 |
| Highest Applicant Income | $1,173,000 |
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Act (HMDA) records Valley Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 32 | $ 2,057,000 | $ 64,281 | $ 38,000 |
| Weld, Colorado | 18 | $ 776,000 | $ 43,111 | $ 61,000 |
| Denver, Colorado | 5 | $ 405,000 | $ 81,000 | $ 50,000 |
| Boulder, Colorado | 4 | $ 112,000 | $ 28,000 | $ 53,000 |
| El Paso, Colorado | 4 | $ 160,000 | $ 40,000 | $ 38,000 |
| Arapahoe, Colorado | 2 | $ 33,000 | $ 16,500 | $ 55,000 |
| Jefferson, Colorado | 2 | $ 228,000 | $ 114,000 | $ 97,000 |
| Elbert, Colorado | 1 | $ 3,000 | $ 3,000 | $ 20,000 |
| Larimer, Colorado | 1 | $ 10,000 | $ 10,000 | $ 112,000 |
| Morgan, Colorado | 1 | $ 854,000 | $ 854,000 | $ 0 |
Mortgage Loan Application Detail Totals for Valley Bank & Trust in 2004
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 Improvement | 30 | $704,000 | $23,000 | $200,000 | $61,000 | $165,000 |
| Home Purchase | 26 | $3,513,000 | $204,500 | $854,000 | $321,000 | $1,173,000 |
| Refinancing | 16 | $995,000 | $62,000 | $357,000 | $42,000 | $85,000 |
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 | 47 | $3,039,000 | $297,500 | $854,000 | $614,000 | $1,173,000 |
| Hispanic | 16 | $434,000 | $27,000 | $83,000 | $46,000 | $85,000 |
| Not applicable | 4 | $1,602,000 | $400,000 | $740,000 | $0 | $0 |
| Not Provided | 4 | $108,000 | $29,000 | $40,000 | $37,000 | $75,000 |
| Asian | 1 | $29,000 | $29,000 | $29,000 | $36,000 | $36,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 72 | $5,212,000 | $176,500 | $854,000 | $327,000 | $1,173,000 |
| 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 | 44 | $3,762,000 | $307,500 | $740,000 | $610,000 | $1,173,000 |
| Application Denied By Financial Institution | 23 | $501,000 | $27,000 | $100,000 | $45,500 | $165,000 |
| Application Withdrawn By Applicant | 5 | $949,000 | $189,000 | $854,000 | $36,000 | $71,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
| Preapproval Denied by Financial 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 History | 18 | $301,000 | $16,000 | $50,000 | $44,000 | $100,000 |
| Debt-To-Income Ratio | 4 | $153,000 | $36,500 | $100,000 | $72,500 | $165,000 |
| Collateral | 1 | $47,000 | $47,000 | $47,000 | $42,000 | $42,000 |
| 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 2004 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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