Valley Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, Valley Bank & Trust of Brighton, CO reported 42 mortgage applications totaling $16.5 million, down 32% from 2015. The average application was for $392,190, and applicants reported an average income of $88,785. 90% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Denver-Aurora-Lakewood, CO (31), Greeley, CO (5) and Boulder, CO (3) (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 | 42 |
| Total Mortgage Loan Application Amount | $16,472,000 |
| Average Mortgage Loan Application Amount | $392,190 |
| Highest Mortgage Loan Application Amount | $2,345,000 |
| Average Applicant Income | $88,785 |
| Highest Applicant Income | $1,515,000 |
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Act (HMDA) records Valley Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Denver-Aurora-Lakewood, CO | 31 | $ 10,066,000 | $ 324,709 | $ 82,000 |
| Greeley, CO | 5 | $ 358,000 | $ 71,600 | $ 65,000 |
| Boulder, CO | 3 | $ 1,866,000 | $ 622,000 | $ 283,000 |
| Colorado Springs, CO | 1 | $ 1,580,000 | $ 1,580,000 | $ 0 |
| Fort Collins, CO | 1 | $ 2,190,000 | $ 2,190,000 | $ 0 |
Mortgage Loan Application Detail Totals for Valley Bank & Trust in 2016
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 |
|---|---|---|---|---|---|---|
| Refinancing | 22 | $8,103,000 | $368,000 | $2,190,000 | $64,000 | $635,000 |
| Home Purchase | 11 | $6,970,000 | $633,000 | $2,345,000 | $13,000 | $140,000 |
| Home Improvement | 9 | $1,399,000 | $155,000 | $900,000 | $242,000 | $1,515,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 27 | $12,127,000 | $449,000 | $2,345,000 | $0 | $0 |
| White | 14 | $4,281,000 | $305,000 | $1,540,000 | $266,000 | $1,515,000 |
| Hispanic | 1 | $64,000 | $64,000 | $64,000 | $9,000 | $9,000 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 42 | $16,472,000 | $392,000 | $2,345,000 | $89,000 | $1,515,000 |
| 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 | 38 | $14,750,000 | $388,000 | $2,345,000 | $94,000 | $1,515,000 |
| Application Denied By Financial Institution | 2 | $1,289,000 | $644,000 | $1,225,000 | $4,000 | $9,000 |
| Application Withdrawn By Applicant | 2 | $433,000 | $216,000 | $400,000 | $72,000 | $126,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1 | $64,000 | $64,000 | $64,000 | $9,000 | $9,000 |
| Collateral | 1 | $1,225,000 | $1,225,000 | $1,225,000 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 2016 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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