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records Vanguard Mortgage & Title, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Louis, MO-IL | 144 | $ 31,889,000 | $ 221,451 | $ 123,395 |
| Portland-Vancouver-Beaverton, OR-WA | 135 | $ 30,806,000 | $ 228,192 | $ 110,918 |
| Denver-Aurora, CO | 129 | $ 25,222,000 | $ 195,519 | $ 105,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 120 | $ 30,312,000 | $ 252,600 | $ 103,258 |
| Kennewick-Richland-Pasco, WA | 66 | $ 8,206,000 | $ 124,333 | $ 60,000 |
| Dallas-Plano-Irving, TX | 52 | $ 8,112,000 | $ 156,000 | $ 94,000 |
| Atlanta-Sandy Springs-Marietta, GA | 49 | $ 10,767,000 | $ 219,734 | $ 109,000 |
| Ogden-Clearfield, UT | 46 | $ 8,272,000 | $ 179,826 | $ 68,000 |
| Montgomery, AL | 38 | $ 4,141,000 | $ 108,973 | $ 46,000 |
| Eugene-Springfield, OR | 37 | $ 7,440,000 | $ 201,081 | $ 70,000 |
| Baltimore-Towson, MD | 32 | $ 5,971,000 | $ 186,593 | $ 95,000 |
| Louisville-Jefferson County, KY-IN | 30 | $ 3,951,000 | $ 131,700 | $ 77,000 |
| Salt Lake City, UT | 26 | $ 7,592,000 | $ 292,000 | $ 122,000 |
| St. George, UT | 21 | $ 4,972,000 | $ 236,761 | $ 90,000 |
| Bethesda-Gaithersburg-Frederick, MD | 19 | $ 5,923,000 | $ 311,736 | $ 141,000 |
| Olympia, WA | 18 | $ 4,518,000 | $ 251,000 | $ 99,000 |
| Fort Worth-Arlington, TX | 17 | $ 2,116,000 | $ 124,470 | $ 202,000 |
| Wausau, WI | 16 | $ 2,413,000 | $ 150,812 | $ 77,000 |
| Oakland-Fremont-Hayward, CA | 15 | $ 5,325,000 | $ 355,000 | $ 191,000 |
| Portland-South Portland-Biddeford, ME | 13 | $ 2,431,000 | $ 187,000 | $ 71,000 |
| Los Angeles-Long Beach-Glendale, CA | 9 | $ 2,554,000 | $ 283,777 | $ 182,000 |
| Phoenix-Mesa-Scottsdale, AZ | 8 | $ 2,181,000 | $ 272,625 | $ 154,000 |
| Cheyenne, WY | 7 | $ 1,258,000 | $ 179,714 | $ 69,000 |
| Tacoma, WA | 7 | $ 1,545,000 | $ 220,714 | $ 73,000 |
| Fort Collins-Loveland, CO | 6 | $ 913,000 | $ 152,166 | $ 138,000 |
| Kansas City, MO-KS | 6 | $ 661,000 | $ 110,166 | $ 89,000 |
| Anchorage, AK | 5 | $ 1,346,000 | $ 269,200 | $ 83,000 |
| Boise City-Nampa, ID | 5 | $ 1,334,000 | $ 266,800 | $ 88,000 |
| Chattanooga, TN-GA | 5 | $ 1,219,000 | $ 243,800 | $ 202,000 |
| Manchester-Nashua, NH | 5 | $ 1,009,000 | $ 201,800 | $ 58,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 719,000 | $ 143,800 | $ 140,000 |
| Wilmington, DE-MD-NJ | 5 | $ 1,469,000 | $ 293,800 | $ 70,400 |
| Hagerstown-Martinsburg, MD-WV | 4 | $ 872,000 | $ 218,000 | $ 117,000 |
| Houston-Sugar Land-Baytown, TX | 4 | $ 311,000 | $ 77,750 | $ 62,000 |
| Lewiston-Auburn, ME | 4 | $ 612,000 | $ 153,000 | $ 59,000 |
| Longview, WA | 4 | $ 581,000 | $ 145,250 | $ 48,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 1,634,000 | $ 408,500 | $ 270,000 |
| Provo-Orem, UT | 4 | $ 1,077,000 | $ 269,250 | $ 81,000 |
| Vallejo-Fairfield, CA | 4 | $ 1,196,000 | $ 299,000 | $ 104,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 604,000 | $ 151,000 | $ 152,000 |
| Waco, TX | 4 | $ 144,000 | $ 36,000 | $ 98,000 |
| Bangor, ME | 3 | $ 373,000 | $ 124,333 | $ 51,000 |
| Boulder, CO | 3 | $ 673,000 | $ 224,333 | $ 77,000 |
| Charlotte-Gastonia-Concord, NC-SC | 3 | $ 477,000 | $ 159,000 | $ 62,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 910,000 | $ 303,333 | $ 216,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 635,000 | $ 211,666 | $ 103,000 |
| Raleigh-Cary, NC | 3 | $ 1,366,000 | $ 455,333 | $ 236,000 |
| Athens-Clarke County, GA | 2 | $ 280,000 | $ 140,000 | $ 107,000 |
| Bend, OR | 2 | $ 478,000 | $ 239,000 | $ 206,000 |
| Colorado Springs, CO | 2 | $ 403,000 | $ 201,500 | $ 36,000 |
| Eau Claire, WI | 2 | $ 209,000 | $ 104,500 | $ 46,000 |
| Lewiston, ID-WA | 2 | $ 185,000 | $ 92,500 | $ 63,000 |
| Logan, UT-ID | 2 | $ 373,000 | $ 186,500 | $ 113,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 2 | $ 265,000 | $ 132,500 | $ 126,000 |
| New Haven-Milford, CT | 2 | $ 405,000 | $ 202,500 | $ 126,000 |
| Richmond, VA | 2 | $ 257,000 | $ 128,500 | $ 91,000 |
| Rochester, MN | 2 | $ 432,000 | $ 216,000 | $ 98,000 |
| San Antonio, TX | 2 | $ 354,000 | $ 177,000 | $ 54,000 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 825,000 | $ 412,500 | $ 118,000 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 530,000 | $ 265,000 | $ 102,000 |
| Spokane, WA | 2 | $ 331,000 | $ 165,500 | $ 44,000 |
| Akron, OH | 1 | $ 255,000 | $ 255,000 | $ 79,000 |
| Albuquerque, NM | 1 | $ 220,000 | $ 220,000 | $ 70,000 |
| Auburn-Opelika, AL | 1 | $ 177,000 | $ 177,000 | $ 48,000 |
| Barnstable Town, MA | 1 | $ 325,000 | $ 325,000 | $ 91,000 |
| Billings, MT | 1 | $ 159,000 | $ 159,000 | $ 52,000 |
| Birmingham-Hoover, AL | 1 | $ 160,000 | $ 160,000 | $ 75,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 165,000 | $ 165,000 | $ 40,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 257,000 | $ 257,000 | $ 540,000 |
| Brownsville-Harlingen, TX | 1 | $ 327,000 | $ 327,000 | $ 162,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 280,000 | $ 280,000 | $ 80,000 |
| Charleston-North Charleston, SC | 1 | $ 126,000 | $ 126,000 | $ 66,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 196,000 | $ 196,000 | $ 144,000 |
| Clarksville, TN-KY | 1 | $ 57,000 | $ 57,000 | $ 94,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 120,000 | $ 120,000 | $ 39,000 |
| Columbia, MO | 1 | $ 67,000 | $ 67,000 | $ 156,000 |
| Corpus Christi, TX | 1 | $ 278,000 | $ 278,000 | $ 120,000 |
| Edison, NJ | 1 | $ 140,000 | $ 140,000 | $ 53,000 |
| Elizabethtown, KY | 1 | $ 112,000 | $ 112,000 | $ 60,000 |
| Flagstaff, AZ | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Grand Junction, CO | 1 | $ 260,000 | $ 260,000 | $ 98,000 |
| Greeley, CO | 1 | $ 417,000 | $ 417,000 | $ 192,000 |
| Indianapolis-Carmel, IN | 1 | $ 170,000 | $ 170,000 | $ 50,000 |
| Jefferson City, MO | 1 | $ 379,000 | $ 379,000 | $ 276,000 |
| Knoxville, TN | 1 | $ 224,000 | $ 224,000 | $ 67,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 148,000 | $ 148,000 | $ 126,000 |
| Las Cruces, NM | 1 | $ 135,000 | $ 135,000 | $ 51,000 |
| Las Vegas-Paradise, NV | 1 | $ 122,000 | $ 122,000 | $ 97,000 |
| Lubbock, TX | 1 | $ 69,000 | $ 69,000 | $ 40,000 |
| Mansfield, OH | 1 | $ 119,000 | $ 119,000 | $ 38,000 |
| Memphis, TN-MS-AR | 1 | $ 158,000 | $ 158,000 | $ 138,000 |
| Mobile, AL | 1 | $ 88,000 | $ 88,000 | $ 30,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 233,000 | $ 233,000 | $ 60,000 |
| Naples-Marco Island, FL | 1 | $ 441,000 | $ 441,000 | $ 421,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 285,000 | $ 285,000 | $ 90,000 |
| Pittsburgh, PA | 1 | $ 193,000 | $ 193,000 | $ 86,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 90,000 | $ 90,000 | $ 72,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 175,000 | $ 175,000 | $ 326,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 360,000 | $ 360,000 | $ 64,000 |
| Salem, OR | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Sandusky, OH | 1 | $ 105,000 | $ 105,000 | $ 33,000 |
| Santa Fe, NM | 1 | $ 338,000 | $ 338,000 | $ 70,000 |
| Savannah, GA | 1 | $ 255,000 | $ 255,000 | $ 65,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Springfield, MO | 1 | $ 92,000 | $ 92,000 | $ 56,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 417,000 | $ 417,000 | $ 400,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 261,000 | $ 261,000 | $ 115,000 |
| Wilmington, NC | 1 | $ 405,000 | $ 405,000 | $ 170,000 |
| York-Hanover, PA | 1 | $ 385,000 | $ 385,000 | $ 75,000 |
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.
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