Vanguard Mortgage & Title, Inc Mortgage Lending & HMDA Data, 2007
In 2007, Vanguard Mortgage & Title, Inc of Littleton, CO reported 1,397 mortgage applications totaling $290.2 million, up 106% from 2006. The average application was for $207,749, and applicants reported an average income of $103,926. 85% of its applications resulted in an originated loan and 2% were denied. Its largest markets were St. Louis, MO-IL (144), Portland-Vancouver-Beaverton, OR-WA (135) and Denver-Aurora, CO (129) (applications in parentheses).
| Mortgage Company & Address | Vanguard Mortgage & Title, Inc 7921 South0park Plaza, Ste. 100 Littleton, CO 80120 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 |
| Total Number of Mortgage Applications | 1,397 |
| Total Mortgage Loan Application Amount | $290,226,000 |
| Average Mortgage Loan Application Amount | $207,749 |
| Highest Mortgage Loan Application Amount | $1,750,000 |
| Average Applicant Income | $103,926 |
| Highest Applicant Income | $2,732,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Vanguard Mortgage & Title, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Vanguard Mortgage & Title, Inc 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 Purchase | 712 | $136,894,000 | $192,000 | $1,750,000 | $100,000 | $912,000 |
| Refinancing | 684 | $153,241,000 | $224,000 | $1,750,000 | $108,000 | $2,732,000 |
| Home Improvement | 1 | $91,000 | $91,000 | $91,000 | $113,000 | $113,000 |
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 | 1,093 | $235,746,000 | $215,000 | $1,750,000 | $110,000 | $2,732,000 |
| Black or African American | 123 | $20,776,000 | $168,000 | $608,000 | $82,000 | $522,000 |
| Hispanic | 78 | $12,589,000 | $161,000 | $592,000 | $72,000 | $852,000 |
| Not Provided | 76 | $15,864,000 | $208,000 | $878,000 | $92,000 | $480,000 |
| Asian | 20 | $3,389,000 | $169,000 | $385,000 | $98,000 | $475,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,549,000 | $309,000 | $575,000 | $137,000 | $177,000 |
| American Indian or Alaskan Native | 2 | $313,000 | $156,000 | $172,000 | $47,000 | $60,000 |
| 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) | 1,147 | $250,446,000 | $218,000 | $1,750,000 | $114,000 | $2,732,000 |
| FHA-insured (Federal Housing Administration) | 248 | $39,278,000 | $158,000 | $340,000 | $61,000 | $180,000 |
| VA-guaranteed (Veterans Administration) | 2 | $502,000 | $251,000 | $337,000 | $89,000 | $140,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,187 | $238,836,000 | $201,000 | $1,625,000 | $102,000 | $2,732,000 |
| Application Withdrawn By Applicant | 173 | $39,363,000 | $227,000 | $1,750,000 | $118,000 | $1,782,000 |
| Application Denied By Financial Institution | 26 | $9,811,000 | $377,000 | $1,750,000 | $90,000 | $480,000 |
| Application Approved But Not Accepted | 8 | $1,736,000 | $217,000 | $592,000 | $162,000 | $852,000 |
| File Closed For Incompleteness | 3 | $480,000 | $160,000 | $170,000 | $144,000 | $310,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 3 | $512,000 | $170,000 | $209,000 | $72,000 | $83,000 |
| Collateral | 2 | $419,000 | $209,000 | $248,000 | $94,000 | $132,000 |
| Other | 1 | $142,000 | $142,000 | $142,000 | $68,000 | $68,000 |
| Debt-To-Income Ratio | 1 | $124,000 | $124,000 | $124,000 | $50,000 | $50,000 |
| Employment History | 1 | $146,000 | $146,000 | $146,000 | $38,000 | $38,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 Mortgage & Title, Inc'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 Vanguard Mortgage & Title, Inc'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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