Valley Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, Valley Bank & Trust of Brighton, CO reported 15 mortgage applications totaling $1.3 million, down 55% from 2010. The average application was for $86,933, and applicants reported an average income of $69,733. 53% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Denver-Aurora-Broomfield, CO (8) and Greeley, CO (6).
| 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 | 15 |
| Total Mortgage Loan Application Amount | $1,304,000 |
| Average Mortgage Loan Application Amount | $86,933 |
| Highest Mortgage Loan Application Amount | $374,000 |
| Average Applicant Income | $69,733 |
| Highest Applicant Income | $259,000 |
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Act (HMDA) records Valley Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Weld, Colorado | 6 | $ 212,000 | $ 35,333 | $ 75,000 |
| Adams, Colorado | 4 | $ 212,000 | $ 53,000 | $ 73,000 |
| Denver, Colorado | 4 | $ 835,000 | $ 208,750 | $ 71,000 |
| Fremont, Colorado | 1 | $ 45,000 | $ 45,000 | $ 22,000 |
Mortgage Loan Application Detail Totals for Valley Bank & Trust in 2011
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 | 7 | $507,000 | $72,000 | $194,000 | $103,000 | $259,000 |
| Home Improvement | 5 | $26,000 | $5,000 | $7,000 | $47,000 | $85,000 |
| Refinancing | 3 | $771,000 | $257,000 | $374,000 | $30,000 | $91,000 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 7 | $264,000 | $37,000 | $116,000 | $95,000 | $259,000 |
| White | 5 | $302,000 | $60,000 | $194,000 | $60,000 | $117,000 |
| Not applicable | 2 | $731,000 | $365,000 | $374,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $7,000 | $7,000 | $7,000 | $85,000 | $85,000 |
| 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 |
| Not Provided | 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) | 15 | $1,304,000 | $86,000 | $374,000 | $70,000 | $259,000 |
| 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 | 8 | $487,000 | $60,000 | $194,000 | $106,000 | $259,000 |
| Application Withdrawn By Applicant | 4 | $83,000 | $20,000 | $40,000 | $42,000 | $91,000 |
| Application Denied By Financial Institution | 3 | $734,000 | $244,000 | $374,000 | $12,000 | $36,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 2 | $731,000 | $365,000 | $374,000 | $0 | $0 |
| Credit History | 1 | $3,000 | $3,000 | $3,000 | $36,000 | $36,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2011 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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