Valley Bank & Trust Mortgage Lending & HMDA Data, 2007
In 2007, Valley Bank & Trust of Brighton, CO reported 49 mortgage applications totaling $6.0 million, down 2% from 2006. The average application was for $122,040, and applicants reported an average income of $184,204. 51% of its applications resulted in an originated loan and 33% were denied. Its largest markets were Denver-Aurora, CO (24), Greeley, CO (13) and Fort Collins-Loveland, 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 | 49 |
| Total Mortgage Loan Application Amount | $5,980,000 |
| Average Mortgage Loan Application Amount | $122,040 |
| Highest Mortgage Loan Application Amount | $1,584,000 |
| Average Applicant Income | $184,204 |
| Highest Applicant Income | $3,000,000 |
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Act (HMDA) records Valley Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Valley Bank & Trust in 2007
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 | $2,098,000 | $87,000 | $1,006,000 | $47,000 | $152,000 |
| Home Purchase | 19 | $1,844,000 | $97,000 | $485,000 | $368,000 | $3,000,000 |
| Refinancing | 6 | $2,038,000 | $339,000 | $1,584,000 | $151,000 | $486,000 |
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 | 36 | $3,925,000 | $109,000 | $1,584,000 | $230,000 | $3,000,000 |
| Hispanic | 8 | $458,000 | $57,000 | $200,000 | $85,000 | $298,000 |
| Not Provided | 3 | $187,000 | $62,000 | $142,000 | $17,000 | $48,000 |
| Not applicable | 1 | $1,006,000 | $1,006,000 | $1,006,000 | $0 | $0 |
| Asian | 1 | $404,000 | $404,000 | $404,000 | $0 | $0 |
| 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) | 49 | $5,980,000 | $122,000 | $1,584,000 | $184,000 | $3,000,000 |
| 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 | 25 | $4,592,000 | $183,000 | $1,584,000 | $297,000 | $3,000,000 |
| Application Denied By Financial Institution | 16 | $833,000 | $52,000 | $159,000 | $60,000 | $179,000 |
| Application Withdrawn By Applicant | 5 | $313,000 | $62,000 | $160,000 | $69,000 | $168,000 |
| Application Approved But Not Accepted | 3 | $242,000 | $80,000 | $200,000 | $101,000 | $152,000 |
| 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 | 11 | $549,000 | $49,000 | $159,000 | $49,000 | $92,000 |
| Debt-To-Income Ratio | 4 | $279,000 | $69,000 | $142,000 | $103,000 | $179,000 |
| Collateral | 1 | $5,000 | $5,000 | $5,000 | $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 2007 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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