Valley Bank & Trust Mortgage Lending & HMDA Data, 2006
In 2006, Valley Bank & Trust of Brighton, CO reported 50 mortgage applications totaling $4.6 million, down 9% from 2005. The average application was for $92,080, and applicants reported an average income of $52,840. 58% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Denver-Aurora, CO (29), Greeley, CO (10) 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 | 50 |
| Total Mortgage Loan Application Amount | $4,604,000 |
| Average Mortgage Loan Application Amount | $92,080 |
| Highest Mortgage Loan Application Amount | $1,160,000 |
| Average Applicant Income | $52,840 |
| Highest Applicant Income | $238,000 |
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Act (HMDA) records Valley Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 19 | $ 1,040,000 | $ 54,736 | $ 56,000 |
| Weld, Colorado | 10 | $ 367,000 | $ 36,700 | $ 48,000 |
| Boulder, Colorado | 4 | $ 1,233,000 | $ 308,250 | $ 81,000 |
| Denver, Colorado | 4 | $ 427,000 | $ 106,750 | $ 58,000 |
| Larimer, Colorado | 3 | $ 43,000 | $ 14,333 | $ 88,000 |
| Arapahoe, Colorado | 2 | $ 33,000 | $ 16,500 | $ 31,000 |
| El Paso, Colorado | 2 | $ 400,000 | $ 200,000 | $ 41,000 |
| Broomfield, Colorado | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Douglas, Colorado | 1 | $ 353,000 | $ 353,000 | $ 0 |
| Elbert, Colorado | 1 | $ 50,000 | $ 50,000 | $ 69,000 |
| Fremont, Colorado | 1 | $ 40,000 | $ 40,000 | $ 45,000 |
| Jefferson, Colorado | 1 | $ 278,000 | $ 278,000 | $ 0 |
Mortgage Loan Application Detail Totals for Valley Bank & Trust in 2006
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 | 24 | $448,000 | $18,000 | $103,000 | $54,000 | $136,000 |
| Home Purchase | 20 | $2,845,000 | $142,000 | $432,000 | $49,000 | $238,000 |
| Refinancing | 6 | $1,311,000 | $218,000 | $1,160,000 | $61,000 | $148,000 |
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 | 38 | $2,648,000 | $69,000 | $1,160,000 | $62,000 | $238,000 |
| Not applicable | 5 | $1,605,000 | $321,000 | $361,000 | $0 | $0 |
| Hispanic | 5 | $266,000 | $53,000 | $139,000 | $39,000 | $73,000 |
| American Indian or Alaskan Native | 1 | $36,000 | $36,000 | $36,000 | $69,000 | $69,000 |
| Not Provided | 1 | $49,000 | $49,000 | $49,000 | $42,000 | $42,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $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) | 50 | $4,604,000 | $92,000 | $1,160,000 | $53,000 | $238,000 |
| 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 | 29 | $3,566,000 | $122,000 | $1,160,000 | $53,000 | $148,000 |
| Application Denied By Financial Institution | 15 | $443,000 | $29,000 | $139,000 | $47,000 | $93,000 |
| Application Withdrawn By Applicant | 3 | $115,000 | $38,000 | $50,000 | $43,000 | $69,000 |
| Application Approved But Not Accepted | 3 | $480,000 | $160,000 | $300,000 | $91,000 | $238,000 |
| File Closed For Incompleteness | 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 | 8 | $156,000 | $19,000 | $40,000 | $54,000 | $93,000 |
| Debt-To-Income Ratio | 3 | $163,000 | $54,000 | $139,000 | $38,000 | $52,000 |
| Collateral | 2 | $54,000 | $27,000 | $49,000 | $59,000 | $77,000 |
| Unverifiable Information | 2 | $70,000 | $35,000 | $40,000 | $23,000 | $33,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Valley Bank & Trust's 2006 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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