Vanguard Funding Llc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Vanguard Funding Llc 2016 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 | 3,760 |
| Total Mortgage Loan Application Amount | $1,216,381,000 |
| Average Mortgage Loan Application Amount | $324,500 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $110,000 |
| Highest Applicant Income | $1,844,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 499 | $ 175,517,000 | $ 351,000 | $ 107,000 |
| Suffolk County New York | 393 | $ 118,135,000 | $ 300,000 | $ 109,000 |
| Hudson County New Jersey | 319 | $ 122,492,000 | $ 383,000 | $ 160,000 |
| Queens County New York | 297 | $ 121,515,000 | $ 409,000 | $ 111,000 |
| Richmond County New York | 212 | $ 78,575,000 | $ 370,000 | $ 102,000 |
| Essex County New Jersey | 195 | $ 56,250,000 | $ 288,000 | $ 110,000 |
| Ocean County New Jersey | 193 | $ 45,845,000 | $ 237,000 | $ 93,000 |
| Kings County New York | 181 | $ 80,962,000 | $ 447,000 | $ 105,000 |
| Bergen County New Jersey | 139 | $ 50,046,000 | $ 360,000 | $ 113,000 |
| Middlesex County New Jersey | 123 | $ 34,008,000 | $ 276,000 | $ 111,000 |
| Passaic County New Jersey | 118 | $ 30,303,000 | $ 256,000 | $ 86,000 |
| Bronx County New York | 102 | $ 41,549,000 | $ 407,000 | $ 91,000 |
| Monmouth County New Jersey | 99 | $ 29,748,000 | $ 300,000 | $ 115,000 |
| Union County New Jersey | 90 | $ 24,590,000 | $ 273,000 | $ 96,000 |
| Broward County Florida | 70 | $ 14,606,000 | $ 208,000 | $ 82,000 |
| Morris County New Jersey | 62 | $ 17,636,000 | $ 284,000 | $ 112,000 |
| Westchester County New York | 58 | $ 18,218,000 | $ 314,000 | $ 108,000 |
| Miami-Dade County Florida | 35 | $ 14,591,000 | $ 416,000 | $ 191,000 |
| Atlantic County New Jersey | 31 | $ 6,751,000 | $ 217,000 | $ 145,000 |
| Palm Beach County Florida | 26 | $ 7,228,000 | $ 278,000 | $ 115,000 |
| Cape May County New Jersey | 24 | $ 6,380,000 | $ 265,000 | $ 153,000 |
| Somerset County New Jersey | 23 | $ 7,834,000 | $ 340,000 | $ 147,000 |
| Dutchess County New York | 23 | $ 4,541,000 | $ 197,000 | $ 73,000 |
| Orange County New York | 20 | $ 6,008,000 | $ 300,000 | $ 89,000 |
| Putnam County New York | 19 | $ 5,846,000 | $ 307,000 | $ 101,000 |
| Harris County Texas | 17 | $ 3,252,000 | $ 191,000 | $ 117,000 |
| Mercer County New Jersey | 16 | $ 2,953,000 | $ 184,000 | $ 72,000 |
| New York County New York | 15 | $ 9,326,000 | $ 621,000 | $ 297,000 |
| Rockland County New York | 14 | $ 5,067,000 | $ 361,000 | $ 117,000 |
| Hunterdon County New Jersey | 13 | $ 4,142,000 | $ 318,000 | $ 126,000 |
| Fairfield County Connecticut | 12 | $ 4,553,000 | $ 379,000 | $ 139,000 |
| Camden County New Jersey | 12 | $ 2,059,000 | $ 171,000 | $ 75,000 |
| Ulster County New York | 12 | $ 2,567,000 | $ 213,000 | $ 129,000 |
| Burlington County New Jersey | 11 | $ 2,015,000 | $ 183,000 | $ 62,000 |
| Orange County Florida | 10 | $ 2,702,000 | $ 270,000 | $ 78,000 |
| Philadelphia County Pennsylvania | 10 | $ 2,501,000 | $ 250,000 | $ 147,000 |
| Sussex County New Jersey | 8 | $ 1,939,000 | $ 242,000 | $ 60,000 |
| Berks County Pennsylvania | 7 | $ 1,039,000 | $ 148,000 | $ 34,000 |
| Pike County Pennsylvania | 7 | $ 1,037,000 | $ 148,000 | $ 94,000 |
| Litchfield County Connecticut | 6 | $ 1,273,000 | $ 212,000 | $ 68,000 |
| Warren County New Jersey | 6 | $ 1,675,000 | $ 279,000 | $ 120,000 |
| Monroe County Pennsylvania | 6 | $ 1,098,000 | $ 183,000 | $ 62,000 |
| Northampton County Pennsylvania | 6 | $ 1,059,000 | $ 176,000 | $ 58,000 |
| Brevard County Florida | 5 | $ 1,150,000 | $ 230,000 | $ 86,000 |
| Hillsborough County Florida | 5 | $ 1,164,000 | $ 232,000 | $ 124,000 |
| Middlesex County Massachusetts | 5 | $ 1,305,000 | $ 261,000 | $ 64,000 |
| Albany County New York | 5 | $ 824,000 | $ 164,000 | $ 72,000 |
| Onondaga County New York | 5 | $ 641,000 | $ 128,000 | $ 61,000 |
| Warren County New York | 5 | $ 1,240,000 | $ 248,000 | $ 71,000 |
| Wake County North Carolina | 5 | $ 726,000 | $ 145,000 | $ 25,000 |
| Fort Bend County Texas | 5 | $ 1,394,000 | $ 278,000 | $ 104,000 |
| Los Angeles County California | 4 | $ 1,327,000 | $ 331,000 | $ 171,000 |
| Hartford County Connecticut | 4 | $ 784,000 | $ 196,000 | $ 63,000 |
| Clay County Florida | 4 | $ 786,000 | $ 196,000 | $ 0 |
| Bucks County Pennsylvania | 4 | $ 970,000 | $ 242,000 | $ 91,000 |
| Delaware County Pennsylvania | 4 | $ 934,000 | $ 233,000 | $ 75,000 |
| Montgomery County Pennsylvania | 4 | $ 1,085,000 | $ 271,000 | $ 120,000 |
| Escambia County Florida | 3 | $ 620,000 | $ 206,000 | $ 31,000 |
| Flagler County Florida | 3 | $ 495,000 | $ 165,000 | $ 35,000 |
| Lee County Florida | 3 | $ 684,000 | $ 228,000 | $ 80,000 |
| Manatee County Florida | 3 | $ 589,000 | $ 196,000 | $ 46,000 |
| Osceola County Florida | 3 | $ 590,000 | $ 196,000 | $ 28,000 |
| St. Lucie County Florida | 3 | $ 402,000 | $ 134,000 | $ 60,000 |
| Sumter County Florida | 3 | $ 367,000 | $ 122,000 | $ 33,000 |
| Gwinnett County Georgia | 3 | $ 373,000 | $ 124,000 | $ 56,000 |
| Essex County Massachusetts | 3 | $ 922,000 | $ 307,000 | $ 154,000 |
| Plymouth County Massachusetts | 3 | $ 917,000 | $ 305,000 | $ 77,000 |
| Suffolk County Massachusetts | 3 | $ 1,242,000 | $ 414,000 | $ 99,000 |
| Greene County New York | 3 | $ 314,000 | $ 104,000 | $ 31,000 |
| Rensselaer County New York | 3 | $ 865,000 | $ 288,000 | $ 86,000 |
| Saratoga County New York | 3 | $ 668,000 | $ 222,000 | $ 107,000 |
| Schenectady County New York | 3 | $ 465,000 | $ 155,000 | $ 64,000 |
| Union County North Carolina | 3 | $ 484,000 | $ 161,000 | $ 81,000 |
| Lancaster County Pennsylvania | 3 | $ 450,000 | $ 150,000 | $ 52,000 |
| Bexar County Texas | 3 | $ 913,000 | $ 304,000 | $ 205,000 |
| Tarrant County Texas | 3 | $ 932,000 | $ 310,000 | $ 61,000 |
| Windham County Connecticut | 2 | $ 282,000 | $ 141,000 | $ 85,000 |
| Duval County Florida | 2 | $ 748,000 | $ 374,000 | $ 207,000 |
| Indian River County Florida | 2 | $ 514,000 | $ 257,000 | $ 95,000 |
| Martin County Florida | 2 | $ 492,000 | $ 246,000 | $ 122,000 |
| Seminole County Florida | 2 | $ 385,000 | $ 192,000 | $ 75,000 |
| Clayton County Georgia | 2 | $ 412,000 | $ 206,000 | $ 55,000 |
| Fayette County Georgia | 2 | $ 400,000 | $ 200,000 | $ 142,000 |
| Henry County Georgia | 2 | $ 404,000 | $ 202,000 | $ 83,000 |
| Baltimore City County Maryland | 2 | $ 529,000 | $ 264,000 | $ 48,000 |
| Harford County Maryland | 2 | $ 758,000 | $ 379,000 | $ 66,000 |
| Barnstable County Massachusetts | 2 | $ 594,000 | $ 297,000 | $ 140,000 |
| Bristol County Massachusetts | 2 | $ 583,000 | $ 291,000 | $ 88,000 |
| Broome County New York | 2 | $ 176,000 | $ 88,000 | $ 165,000 |
| Chautauqua County New York | 2 | $ 380,000 | $ 190,000 | $ 50,000 |
| Erie County New York | 2 | $ 398,000 | $ 199,000 | $ 85,000 |
| Jefferson County New York | 2 | $ 567,000 | $ 283,000 | $ 96,000 |
| Madison County New York | 2 | $ 369,000 | $ 184,000 | $ 78,000 |
| Monroe County New York | 2 | $ 258,000 | $ 129,000 | $ 91,000 |
| Oneida County New York | 2 | $ 305,000 | $ 152,000 | $ 129,000 |
| Washington County New York | 2 | $ 332,000 | $ 166,000 | $ 59,000 |
| Mecklenburg County North Carolina | 2 | $ 370,000 | $ 185,000 | $ 132,000 |
| Cumberland County Pennsylvania | 2 | $ 339,000 | $ 169,000 | $ 51,000 |
| Lackawanna County Pennsylvania | 2 | $ 164,000 | $ 82,000 | $ 45,000 |
| Lehigh County Pennsylvania | 2 | $ 530,000 | $ 265,000 | $ 71,000 |
| Luzerne County Pennsylvania | 2 | $ 193,000 | $ 96,000 | $ 29,000 |
| San Diego County California | 1 | $ 270,000 | $ 270,000 | $ 223,000 |
| New Haven County Connecticut | 1 | $ 164,000 | $ 164,000 | $ 82,000 |
| Collier County Florida | 1 | $ 445,000 | $ 445,000 | $ 182,000 |
| Hernando County Florida | 1 | $ 126,000 | $ 126,000 | $ 148,000 |
| Highlands County Florida | 1 | $ 102,000 | $ 102,000 | $ 1,000 |
| Lake County Florida | 1 | $ 255,000 | $ 255,000 | $ 89,000 |
| Marion County Florida | 1 | $ 156,000 | $ 156,000 | $ 276,000 |
| Okaloosa County Florida | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Pasco County Florida | 1 | $ 150,000 | $ 150,000 | $ 30,000 |
| Pinellas County Florida | 1 | $ 96,000 | $ 96,000 | $ 35,000 |
| Polk County Florida | 1 | $ 131,000 | $ 131,000 | $ 55,000 |
| Sarasota County Florida | 1 | $ 417,000 | $ 417,000 | $ 380,000 |
| Barrow County Georgia | 1 | $ 156,000 | $ 156,000 | $ 123,000 |
| DeKalb County Georgia | 1 | $ 212,000 | $ 212,000 | $ 62,000 |
| Elbert County Georgia | 1 | $ 130,000 | $ 130,000 | $ 112,000 |
| Fulton County Georgia | 1 | $ 123,000 | $ 123,000 | $ 44,000 |
| Hall County Georgia | 1 | $ 143,000 | $ 143,000 | $ 50,000 |
| Walton County Georgia | 1 | $ 383,000 | $ 383,000 | $ 64,000 |
| Anne Arundel County Maryland | 1 | $ 378,000 | $ 378,000 | $ 86,000 |
| St. Mary's County Maryland | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Norfolk County Massachusetts | 1 | $ 276,000 | $ 276,000 | $ 0 |
| Cumberland County New Jersey | 1 | $ 98,000 | $ 98,000 | $ 231,000 |
| Essex County New York | 1 | $ 271,000 | $ 271,000 | $ 125,000 |
| Franklin County New York | 1 | $ 120,000 | $ 120,000 | $ 40,000 |
| Genesee County New York | 1 | $ 135,000 | $ 135,000 | $ 127,000 |
| Hamilton County New York | 1 | $ 110,000 | $ 110,000 | $ 85,000 |
| Livingston County New York | 1 | $ 276,000 | $ 276,000 | $ 121,000 |
| Montgomery County New York | 1 | $ 60,000 | $ 60,000 | $ 68,000 |
| Niagara County New York | 1 | $ 185,000 | $ 185,000 | $ 135,000 |
| Ontario County New York | 1 | $ 230,000 | $ 230,000 | $ 108,000 |
| Orleans County New York | 1 | $ 173,000 | $ 173,000 | $ 98,000 |
| Otsego County New York | 1 | $ 245,000 | $ 245,000 | $ 124,000 |
| Steuben County New York | 1 | $ 105,000 | $ 105,000 | $ 64,000 |
| Sullivan County New York | 1 | $ 200,000 | $ 200,000 | $ 125,000 |
| Tompkins County New York | 1 | $ 120,000 | $ 120,000 | $ 60,000 |
| Cabarrus County North Carolina | 1 | $ 208,000 | $ 208,000 | $ 140,000 |
| Cherokee County North Carolina | 1 | $ 139,000 | $ 139,000 | $ 80,000 |
| Cumberland County North Carolina | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Guilford County North Carolina | 1 | $ 337,000 | $ 337,000 | $ 48,000 |
| Nash County North Carolina | 1 | $ 86,000 | $ 86,000 | $ 62,000 |
| Allegheny County Pennsylvania | 1 | $ 233,000 | $ 233,000 | $ 98,000 |
| Beaver County Pennsylvania | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Chester County Pennsylvania | 1 | $ 110,000 | $ 110,000 | $ 51,000 |
| Wayne County Pennsylvania | 1 | $ 102,000 | $ 102,000 | $ 114,000 |
| Westmoreland County Pennsylvania | 1 | $ 130,000 | $ 130,000 | $ 51,000 |
| York County Pennsylvania | 1 | $ 173,000 | $ 173,000 | $ 109,000 |
| Brazoria County Texas | 1 | $ 164,000 | $ 164,000 | $ 215,000 |
| Montgomery County Texas | 1 | $ 432,000 | $ 432,000 | $ 265,000 |
| Travis County Texas | 1 | $ 315,000 | $ 315,000 | $ 90,000 |
| Washington County Texas | 1 | $ 245,000 | $ 245,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for Vanguard Funding Llc 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 2,457 | $785,687,000 | $319,000 | $1,760,000 | $111,000 | $859,000 |
| Refinancing | 1,303 | $430,694,000 | $330,000 | $2,000,000 | $109,000 | $1,844,000 |
| 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 | 1,955 | $636,162,000 | $325,000 | $2,000,000 | $120,000 | $1,844,000 |
| Hispanic | 768 | $229,105,000 | $298,000 | $1,215,000 | $87,000 | $579,000 |
| Black or African American | 594 | $191,692,000 | $322,000 | $960,000 | $93,000 | $456,000 |
| Asian | 299 | $110,547,000 | $369,000 | $1,000,000 | $127,000 | $859,000 |
| Not Provided | 114 | $38,049,000 | $333,000 | $1,538,000 | $142,000 | $745,000 |
| Native Hawaiin or Other Pacific Islander | 19 | $7,462,000 | $392,000 | $636,000 | $105,000 | $205,000 |
| American Indian or Alaskan Native | 8 | $2,506,000 | $313,000 | $459,000 | $110,000 | $156,000 |
| Not applicable | 3 | $858,000 | $286,000 | $353,000 | $93,000 | $151,000 |
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 | $656,272,000 | $322,000 | $2,000,000 | $130,000 | $1,844,000 |
| FHA-insured (Federal Housing Administration) | 1,622 | $532,108,000 | $328,000 | $984,000 | $88,000 | $600,000 |
| VA-guaranteed (Veterans Administration) | 94 | $26,601,000 | $282,000 | $639,000 | $68,000 | $199,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,400,000 | $175,000 | $245,000 | $65,000 | $81,000 |
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 | 2,067 | $684,304,000 | $331,000 | $2,000,000 | $118,000 | $1,844,000 |
| Application Withdrawn By Applicant | 1,017 | $326,400,000 | $320,000 | $1,760,000 | $101,000 | $1,291,000 |
| Application Approved But Not Accepted | 324 | $104,491,000 | $322,000 | $988,000 | $103,000 | $481,000 |
| File Closed For Incompleteness | 183 | $49,737,000 | $271,000 | $733,000 | $103,000 | $519,000 |
| Application Denied By Financial Institution | 169 | $51,449,000 | $304,000 | $662,000 | $92,000 | $401,000 |
| 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 | 62 | $20,745,000 | $334,000 | $662,000 | $86,000 | $294,000 |
| Collateral | 28 | $7,044,000 | $251,000 | $515,000 | $106,000 | $377,000 |
| Credit History | 19 | $5,632,000 | $296,000 | $656,000 | $96,000 | $215,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $2,719,000 | $302,000 | $603,000 | $88,000 | $140,000 |
| Other | 7 | $2,199,000 | $314,000 | $507,000 | $87,000 | $161,000 |
| Employment History | 6 | $1,663,000 | $277,000 | $403,000 | $71,000 | $92,000 |
| Unverifiable Information | 5 | $1,501,000 | $300,000 | $385,000 | $65,000 | $102,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Vanguard Funding Llc'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 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.