Vanguard Funding Llc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Vanguard Funding Llc 2015 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Vanguard Funding Llc 300 Garden City Plaza, Suite 170 Garden City, NY 11530 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 3,741 |
| Total Mortgage Loan Application Amount | $1,223,666,000 |
| Average Mortgage Loan Application Amount | $327,500 |
| Highest Mortgage Loan Application Amount | $5,250,000 |
| Average Applicant Income | $108,500 |
| Highest Applicant Income | $1,001,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with Vanguard Funding Llc. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Vanguard Funding Llc's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down Vanguard Funding Llc's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Vanguard Funding Llc serves its applicants.
Each category highlights the total number of mortgage applications processed by Vanguard Funding Llc, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Vanguard Funding Llc's mortgage activity for 2015.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Nassau County New York | 501 | $ 170,146,000 | $ 339,000 | $ 112,000 |
| Suffolk County New York | 466 | $ 138,319,000 | $ 296,000 | $ 106,000 |
| Queens County New York | 394 | $ 157,028,000 | $ 398,000 | $ 98,000 |
| Hudson County New Jersey | 265 | $ 94,893,000 | $ 358,000 | $ 145,000 |
| Richmond County New York | 260 | $ 94,868,000 | $ 364,000 | $ 107,000 |
| Kings County New York | 230 | $ 98,998,000 | $ 430,000 | $ 107,000 |
| Bergen County New Jersey | 137 | $ 48,137,000 | $ 351,000 | $ 114,000 |
| Ocean County New Jersey | 136 | $ 29,850,000 | $ 219,000 | $ 90,000 |
| Bronx County New York | 131 | $ 52,199,000 | $ 398,000 | $ 98,000 |
| Essex County New Jersey | 125 | $ 34,448,000 | $ 275,000 | $ 102,000 |
| Passaic County New Jersey | 119 | $ 26,527,000 | $ 222,000 | $ 78,000 |
| Middlesex County New Jersey | 113 | $ 32,221,000 | $ 285,000 | $ 103,000 |
| Monmouth County New Jersey | 96 | $ 28,842,000 | $ 300,000 | $ 108,000 |
| Westchester County New York | 79 | $ 26,720,000 | $ 338,000 | $ 118,000 |
| Morris County New Jersey | 76 | $ 22,075,000 | $ 290,000 | $ 95,000 |
| Union County New Jersey | 59 | $ 15,721,000 | $ 266,000 | $ 93,000 |
| New York County New York | 35 | $ 15,915,000 | $ 454,000 | $ 186,000 |
| Cape May County New Jersey | 27 | $ 5,965,000 | $ 220,000 | $ 204,000 |
| Atlantic County New Jersey | 22 | $ 5,744,000 | $ 261,000 | $ 150,000 |
| Orange County New York | 19 | $ 3,940,000 | $ 207,000 | $ 73,000 |
| Sussex County New Jersey | 17 | $ 3,276,000 | $ 192,000 | $ 80,000 |
| Los Angeles County California | 15 | $ 16,181,000 | $ 1,078,000 | $ 351,000 |
| Burlington County New Jersey | 15 | $ 3,542,000 | $ 236,000 | $ 79,000 |
| Palm Beach County Florida | 14 | $ 3,268,000 | $ 233,000 | $ 134,000 |
| Somerset County New Jersey | 14 | $ 4,283,000 | $ 305,000 | $ 117,000 |
| Rockland County New York | 14 | $ 5,774,000 | $ 412,000 | $ 126,000 |
| Miami-Dade County Florida | 12 | $ 2,688,000 | $ 224,000 | $ 87,000 |
| Hunterdon County New Jersey | 11 | $ 4,010,000 | $ 364,000 | $ 110,000 |
| Fairfield County Connecticut | 10 | $ 6,371,000 | $ 637,000 | $ 206,000 |
| Mercer County New Jersey | 10 | $ 2,161,000 | $ 216,000 | $ 114,000 |
| Northampton County Pennsylvania | 10 | $ 1,791,000 | $ 179,000 | $ 86,000 |
| Broward County Florida | 9 | $ 2,000,000 | $ 222,000 | $ 77,000 |
| Dutchess County New York | 9 | $ 1,923,000 | $ 213,000 | $ 60,000 |
| Delaware County Pennsylvania | 9 | $ 2,058,000 | $ 228,000 | $ 77,000 |
| Philadelphia County Pennsylvania | 8 | $ 1,863,000 | $ 232,000 | $ 64,000 |
| Hartford County Connecticut | 7 | $ 1,592,000 | $ 227,000 | $ 92,000 |
| New Haven County Connecticut | 7 | $ 1,064,000 | $ 152,000 | $ 62,000 |
| Lee County Florida | 7 | $ 1,205,000 | $ 172,000 | $ 85,000 |
| Bucks County Pennsylvania | 7 | $ 1,553,000 | $ 221,000 | $ 70,000 |
| Monroe County Pennsylvania | 7 | $ 1,456,000 | $ 208,000 | $ 79,000 |
| Prince George's County Maryland | 6 | $ 1,623,000 | $ 270,000 | $ 191,000 |
| Erie County New York | 6 | $ 1,113,000 | $ 185,000 | $ 69,000 |
| Pike County Pennsylvania | 6 | $ 805,000 | $ 134,000 | $ 78,000 |
| Gwinnett County Georgia | 5 | $ 766,000 | $ 153,000 | $ 62,000 |
| Bristol County Massachusetts | 5 | $ 1,597,000 | $ 319,000 | $ 95,000 |
| Camden County New Jersey | 5 | $ 1,070,000 | $ 214,000 | $ 115,000 |
| Warren County New Jersey | 5 | $ 1,061,000 | $ 212,000 | $ 86,000 |
| Albany County New York | 5 | $ 854,000 | $ 170,000 | $ 62,000 |
| Sullivan County New York | 5 | $ 833,000 | $ 166,000 | $ 62,000 |
| Montgomery County Pennsylvania | 5 | $ 1,304,000 | $ 260,000 | $ 55,000 |
| Litchfield County Connecticut | 4 | $ 1,448,000 | $ 362,000 | $ 154,000 |
| Collier County Florida | 4 | $ 839,000 | $ 209,000 | $ 79,000 |
| Fulton County Georgia | 4 | $ 810,000 | $ 202,000 | $ 164,000 |
| Baltimore City County Maryland | 4 | $ 288,000 | $ 72,000 | $ 425,000 |
| Middlesex County Massachusetts | 4 | $ 1,355,000 | $ 338,000 | $ 104,000 |
| Worcester County Massachusetts | 4 | $ 727,000 | $ 181,000 | $ 91,000 |
| Greene County New York | 4 | $ 582,000 | $ 145,000 | $ 58,000 |
| Onondaga County New York | 4 | $ 701,000 | $ 175,000 | $ 303,000 |
| Rensselaer County New York | 4 | $ 1,268,000 | $ 317,000 | $ 103,000 |
| Ulster County New York | 4 | $ 771,000 | $ 192,000 | $ 82,000 |
| Beaver County Pennsylvania | 4 | $ 560,000 | $ 140,000 | $ 74,000 |
| New London County Connecticut | 3 | $ 408,000 | $ 136,000 | $ 22,000 |
| Hillsborough County Florida | 3 | $ 749,000 | $ 249,000 | $ 66,000 |
| Orange County Florida | 3 | $ 712,000 | $ 237,000 | $ 138,000 |
| Pinellas County Florida | 3 | $ 394,000 | $ 131,000 | $ 55,000 |
| Seminole County Florida | 3 | $ 735,000 | $ 245,000 | $ 443,000 |
| Montgomery County Maryland | 3 | $ 945,000 | $ 315,000 | $ 40,000 |
| Essex County Massachusetts | 3 | $ 1,018,000 | $ 339,000 | $ 140,000 |
| Hampden County Massachusetts | 3 | $ 413,000 | $ 137,000 | $ 57,000 |
| Norfolk County Massachusetts | 3 | $ 835,000 | $ 278,000 | $ 83,000 |
| Suffolk County Massachusetts | 3 | $ 1,349,000 | $ 449,000 | $ 113,000 |
| Mecklenburg County North Carolina | 3 | $ 1,258,000 | $ 419,000 | $ 138,000 |
| Berks County Pennsylvania | 3 | $ 490,000 | $ 163,000 | $ 60,000 |
| Lehigh County Pennsylvania | 3 | $ 769,000 | $ 256,000 | $ 104,000 |
| Harris County Texas | 3 | $ 983,000 | $ 327,000 | $ 123,000 |
| Alameda County California | 2 | $ 1,208,000 | $ 604,000 | $ 45,000 |
| Duval County Florida | 2 | $ 240,000 | $ 120,000 | $ 157,000 |
| Lake County Florida | 2 | $ 210,000 | $ 105,000 | $ 28,000 |
| Osceola County Florida | 2 | $ 259,000 | $ 129,000 | $ 49,000 |
| Newton County Georgia | 2 | $ 338,000 | $ 169,000 | $ 148,000 |
| Charles County Maryland | 2 | $ 772,000 | $ 386,000 | $ 105,000 |
| Harford County Maryland | 2 | $ 497,000 | $ 248,000 | $ 21,000 |
| Barnstable County Massachusetts | 2 | $ 270,000 | $ 135,000 | $ 140,000 |
| Gloucester County New Jersey | 2 | $ 410,000 | $ 205,000 | $ 24,000 |
| Columbia County New York | 2 | $ 454,000 | $ 227,000 | $ 104,000 |
| Madison County New York | 2 | $ 396,000 | $ 198,000 | $ 89,000 |
| Monroe County New York | 2 | $ 248,000 | $ 124,000 | $ 42,000 |
| Putnam County New York | 2 | $ 334,000 | $ 167,000 | $ 39,000 |
| Saratoga County New York | 2 | $ 375,000 | $ 187,000 | $ 63,000 |
| Schenectady County New York | 2 | $ 380,000 | $ 190,000 | $ 71,000 |
| Schoharie County New York | 2 | $ 201,000 | $ 100,000 | $ 46,000 |
| Forsyth County North Carolina | 2 | $ 241,000 | $ 120,000 | $ 49,000 |
| Wake County North Carolina | 2 | $ 576,000 | $ 288,000 | $ 80,000 |
| Chester County Pennsylvania | 2 | $ 645,000 | $ 322,000 | $ 205,000 |
| Wayne County Pennsylvania | 2 | $ 309,000 | $ 154,000 | $ 49,000 |
| York County Pennsylvania | 2 | $ 507,000 | $ 253,000 | $ 89,000 |
| Sacramento County California | 1 | $ 163,000 | $ 163,000 | $ 53,000 |
| San Mateo County California | 1 | $ 1,340,000 | $ 1,340,000 | $ 272,000 |
| Middlesex County Connecticut | 1 | $ 251,000 | $ 251,000 | $ 99,000 |
| Brevard County Florida | 1 | $ 158,000 | $ 158,000 | $ 39,000 |
| Columbia County Florida | 1 | $ 131,000 | $ 131,000 | $ 38,000 |
| Hendry County Florida | 1 | $ 241,000 | $ 241,000 | $ 102,000 |
| Hernando County Florida | 1 | $ 733,000 | $ 733,000 | $ 216,000 |
| Indian River County Florida | 1 | $ 187,000 | $ 187,000 | $ 79,000 |
| Marion County Florida | 1 | $ 193,000 | $ 193,000 | $ 37,000 |
| Polk County Florida | 1 | $ 140,000 | $ 140,000 | $ 92,000 |
| Sarasota County Florida | 1 | $ 460,000 | $ 460,000 | $ 105,000 |
| St. Lucie County Florida | 1 | $ 401,000 | $ 401,000 | $ 131,000 |
| Douglas County Georgia | 1 | $ 279,000 | $ 279,000 | $ 0 |
| Fayette County Georgia | 1 | $ 276,000 | $ 276,000 | $ 0 |
| Floyd County Georgia | 1 | $ 152,000 | $ 152,000 | $ 49,000 |
| Forsyth County Georgia | 1 | $ 388,000 | $ 388,000 | $ 134,000 |
| Liberty County Georgia | 1 | $ 161,000 | $ 161,000 | $ 49,000 |
| Paulding County Georgia | 1 | $ 226,000 | $ 226,000 | $ 80,000 |
| Rockdale County Georgia | 1 | $ 103,000 | $ 103,000 | $ 61,000 |
| Screven County Georgia | 1 | $ 223,000 | $ 223,000 | $ 42,000 |
| Anne Arundel County Maryland | 1 | $ 330,000 | $ 330,000 | $ 161,000 |
| Baltimore County Maryland | 1 | $ 245,000 | $ 245,000 | $ 145,000 |
| Frederick County Maryland | 1 | $ 414,000 | $ 414,000 | $ 133,000 |
| St. Mary's County Maryland | 1 | $ 218,000 | $ 218,000 | $ 130,000 |
| Berkshire County Massachusetts | 1 | $ 124,000 | $ 124,000 | $ 56,000 |
| Franklin County Massachusetts | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| Cayuga County New York | 1 | $ 168,000 | $ 168,000 | $ 73,000 |
| Essex County New York | 1 | $ 271,000 | $ 271,000 | $ 123,000 |
| Franklin County New York | 1 | $ 175,000 | $ 175,000 | $ 54,000 |
| Genesee County New York | 1 | $ 120,000 | $ 120,000 | $ 85,000 |
| Ontario County New York | 1 | $ 107,000 | $ 107,000 | $ 34,000 |
| Otsego County New York | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| Tompkins County New York | 1 | $ 136,000 | $ 136,000 | $ 41,000 |
| Wayne County New York | 1 | $ 246,000 | $ 246,000 | $ 78,000 |
| Brunswick County North Carolina | 1 | $ 89,000 | $ 89,000 | $ 38,000 |
| Clay County North Carolina | 1 | $ 110,000 | $ 110,000 | $ 39,000 |
| Davidson County North Carolina | 1 | $ 199,000 | $ 199,000 | $ 116,000 |
| Durham County North Carolina | 1 | $ 264,000 | $ 264,000 | $ 82,000 |
| Franklin County North Carolina | 1 | $ 219,000 | $ 219,000 | $ 86,000 |
| Granville County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 32,000 |
| Johnston County North Carolina | 1 | $ 60,000 | $ 60,000 | $ 81,000 |
| Nash County North Carolina | 1 | $ 219,000 | $ 219,000 | $ 88,000 |
| New Hanover County North Carolina | 1 | $ 186,000 | $ 186,000 | $ 128,000 |
| Onslow County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 94,000 |
| Allegheny County Pennsylvania | 1 | $ 128,000 | $ 128,000 | $ 84,000 |
| Blair County Pennsylvania | 1 | $ 182,000 | $ 182,000 | $ 65,000 |
| Carbon County Pennsylvania | 1 | $ 118,000 | $ 118,000 | $ 43,000 |
| Centre County Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 45,000 |
| Dauphin County Pennsylvania | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Greene County Pennsylvania | 1 | $ 212,000 | $ 212,000 | $ 91,000 |
| Huntingdon County Pennsylvania | 1 | $ 52,000 | $ 52,000 | $ 42,000 |
| Jefferson County Pennsylvania | 1 | $ 144,000 | $ 144,000 | $ 98,000 |
| Lackawanna County Pennsylvania | 1 | $ 188,000 | $ 188,000 | $ 92,000 |
| Lancaster County Pennsylvania | 1 | $ 119,000 | $ 119,000 | $ 71,000 |
| Luzerne County Pennsylvania | 1 | $ 130,000 | $ 130,000 | $ 33,000 |
| Susquehanna County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 54,000 |
| Wyoming County Pennsylvania | 1 | $ 138,000 | $ 138,000 | $ 82,000 |
| Fort Bend County Texas | 1 | $ 412,000 | $ 412,000 | $ 164,000 |
Mortgage Loan Application Detail Totals for Vanguard Funding Llc in 2015
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 | 2,238 | $722,136,000 | $322,000 | $2,280,000 | $111,000 | $1,001,000 |
| Refinancing | 1,503 | $501,530,000 | $333,000 | $5,250,000 | $106,000 | $938,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,015 | $667,617,000 | $331,000 | $5,250,000 | $120,000 | $999,000 |
| Hispanic | 727 | $213,263,000 | $293,000 | $994,000 | $83,000 | $421,000 |
| Black or African American | 614 | $200,302,000 | $326,000 | $980,000 | $96,000 | $796,000 |
| Asian | 312 | $117,249,000 | $375,000 | $1,340,000 | $120,000 | $1,001,000 |
| Not Provided | 63 | $21,603,000 | $342,000 | $984,000 | $127,000 | $875,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $2,104,000 | $300,000 | $417,000 | $104,000 | $149,000 |
| American Indian or Alaskan Native | 3 | $1,528,000 | $509,000 | $569,000 | $63,000 | $99,000 |
| Not applicable | 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) | 2,036 | $670,562,000 | $329,000 | $5,250,000 | $129,000 | $1,001,000 |
| FHA-insured (Federal Housing Administration) | 1,649 | $537,501,000 | $325,000 | $1,124,000 | $85,000 | $720,000 |
| VA-guaranteed (Veterans Administration) | 47 | $14,002,000 | $297,000 | $600,000 | $90,000 | $161,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,601,000 | $177,000 | $239,000 | $62,000 | $84,000 |
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 | 2,246 | $725,059,000 | $322,000 | $2,280,000 | $107,000 | $999,000 |
| Application Withdrawn By Applicant | 906 | $313,031,000 | $345,000 | $5,250,000 | $114,000 | $927,000 |
| Application Approved But Not Accepted | 408 | $123,497,000 | $302,000 | $1,000,000 | $105,000 | $589,000 |
| Application Denied By Financial Institution | 117 | $38,717,000 | $330,000 | $1,284,000 | $116,000 | $1,001,000 |
| File Closed For Incompleteness | 64 | $23,362,000 | $365,000 | $2,210,000 | $108,000 | $642,000 |
| 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 | 30 | $11,845,000 | $394,000 | $1,284,000 | $112,000 | $393,000 |
| Credit History | 17 | $5,451,000 | $320,000 | $1,040,000 | $100,000 | $383,000 |
| Collateral | 13 | $3,531,000 | $271,000 | $619,000 | $177,000 | $1,001,000 |
| Other | 13 | $3,791,000 | $291,000 | $636,000 | $123,000 | $367,000 |
| Unverifiable Information | 6 | $2,186,000 | $364,000 | $625,000 | $100,000 | $163,000 |
| Employment History | 5 | $1,799,000 | $359,000 | $608,000 | $92,000 | $124,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $935,000 | $233,000 | $417,000 | $78,000 | $129,000 |
| Credit Application Incomplete | 1 | $625,000 | $625,000 | $625,000 | $938,000 | $938,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Vanguard Funding Llc's 2015 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 Vanguard Funding Llc'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 New York, download the full spreadsheet
with aggregated HMDA statistics today.