Vanguard Mortgage & Title, Inc Mortgage Lending & HMDA Data, 2006
In 2006, Vanguard Mortgage & Title, Inc of Littleton, CO reported 679 mortgage applications totaling $143.5 million. The average application was for $211,378, and applicants reported an average income of $102,549. 80% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Denver-Aurora, CO (186), St. Louis, MO-IL (83) and Washington-Arlington-Alexandria, DC-VA-MD-WV (69) (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 | 679 |
| Total Mortgage Loan Application Amount | $143,526,000 |
| Average Mortgage Loan Application Amount | $211,378 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $102,549 |
| 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records Vanguard Mortgage & Title, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2006
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 | 373 | $70,555,000 | $189,000 | $1,460,000 | $103,000 | $2,732,000 |
| Refinancing | 306 | $72,971,000 | $238,000 | $2,500,000 | $102,000 | $635,000 |
| 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 | 503 | $107,277,000 | $213,000 | $2,500,000 | $113,000 | $2,732,000 |
| Not Provided | 77 | $15,202,000 | $197,000 | $960,000 | $61,000 | $640,000 |
| Black or African American | 51 | $13,268,000 | $260,000 | $1,460,000 | $101,000 | $569,000 |
| Hispanic | 37 | $5,505,000 | $148,000 | $650,000 | $62,000 | $243,000 |
| Asian | 9 | $1,987,000 | $220,000 | $417,000 | $68,000 | $144,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $287,000 | $143,000 | $200,000 | $55,000 | $84,000 |
| Not applicable | 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) | 650 | $139,623,000 | $214,000 | $2,500,000 | $105,000 | $2,732,000 |
| FHA-insured (Federal Housing Administration) | 29 | $3,903,000 | $134,000 | $223,000 | $42,000 | $74,000 |
| 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 | 543 | $118,406,000 | $218,000 | $2,500,000 | $112,000 | $2,732,000 |
| Application Withdrawn By Applicant | 106 | $19,369,000 | $182,000 | $1,460,000 | $59,000 | $336,000 |
| Application Approved But Not Accepted | 13 | $2,799,000 | $215,000 | $885,000 | $89,000 | $312,000 |
| Application Denied By Financial Institution | 13 | $2,158,000 | $166,000 | $424,000 | $74,000 | $348,000 |
| File Closed For Incompleteness | 4 | $794,000 | $198,000 | $450,000 | $10,000 | $42,000 |
| 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 | 1 | $259,000 | $259,000 | $259,000 | $80,000 | $80,000 |
| Other | 1 | $42,000 | $42,000 | $42,000 | $51,000 | $51,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Vanguard Mortgage & Title, Inc's 2006 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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