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| Location |
Chittenden County VT
• Apply Here |
| Year | 2008 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 2008 |
| Total Number of Mortgage Applications | 8,899 |
| Total Amount of All Mortgage Loans Applied For | $1,766,127,000 |
| Average Mortgage Loan Amount Applied For | $198,000 |
| Highest Mortgage Loan Amount Applied For | $20,100,000 |
| Average Applicant Income | $90,000 |
| Highest Applicant Income | $9,999,000 |
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| Home Improvement |
664 | $59,310,000 |
$89,000 | $1,750,000 |
$83,000 | $650,000 |
| Home Purchase |
2,935 | $636,136,000 |
$216,000 | $20,100,000 |
$88,000 | $3,990,000 |
| Refinancing |
5,300 | $1,070,681,000 |
$202,000 | $6,000,000 |
$92,000 | $9,999,000 |
|
| American Indian or Alaskan Native |
15 | $2,101,000 |
$140,000 | $295,000 |
$71,000 | $166,000 |
| Asian |
122 | $25,131,000 |
$205,000 | $417,000 |
$84,000 | $268,000 |
| Black or African American |
42 | $9,579,000 |
$228,000 | $524,000 |
$77,000 | $210,000 |
| Hispanic |
57 | $10,550,000 |
$185,000 | $388,000 |
$84,000 | $416,000 |
| Native Hawaiin or Other Pacific Islander |
13 | $2,899,000 |
$223,000 | $417,000 |
$160,000 | $725,000 |
| Not applicable |
695 | $199,426,000 |
$286,000 | $20,100,000 |
$16,000 | $759,000 |
| Not Provided |
1,253 | $229,657,000 |
$183,000 | $5,557,000 |
$110,000 | $9,999,000 |
| White |
6,702 | $1,286,784,000 |
$192,000 | $5,640,000 |
$94,000 | $9,999,000 |
|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
8,219 | $1,617,069,000 |
$196,000 | $20,100,000 |
$92,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) |
599 | $129,233,000 |
$215,000 | $349,000 |
$69,000 | $600,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
13 | $2,355,000 |
$181,000 | $271,000 |
$54,000 | $89,000 |
| VA-guaranteed (Veterans Administration) |
68 | $17,470,000 |
$256,000 | $509,000 |
$77,000 | $300,000 |
|
| Application Approved But Not Accepted |
615 | $117,833,000 |
$191,000 | $1,900,000 |
$102,000 | $4,200,000 |
| Application Denied By Financial Institution |
1,018 | $184,953,000 |
$181,000 | $1,040,000 |
$70,000 | $552,000 |
| Application Withdrawn By Applicant |
702 | $142,041,000 |
$202,000 | $2,099,000 |
$90,000 | $2,016,000 |
| File Closed For Incompleteness |
162 | $25,106,000 |
$154,000 | $977,000 |
$82,000 | $320,000 |
| Loan Originated |
5,130 | $1,030,040,000 |
$200,000 | $20,100,000 |
$101,000 | $9,999,000 |
| Loan Purchased By The Institution |
1,272 | $266,154,000 |
$209,000 | $900,000 |
$55,000 | $518,000 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
|
| Collateral |
154 | $31,556,000 |
$204,000 | $860,000 |
$98,000 | $552,000 |
| Credit Application Incomplete |
57 | $12,368,000 |
$216,000 | $411,000 |
$68,000 | $125,000 |
| Credit History |
141 | $18,893,000 |
$133,000 | $475,000 |
$68,000 | $451,000 |
| Debt-To-Income Ratio |
201 | $39,603,000 |
$197,000 | $1,040,000 |
$57,000 | $195,000 |
| Employment History |
12 | $1,367,000 |
$113,000 | $323,000 |
$39,000 | $78,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
10 | $2,050,000 |
$205,000 | $345,000 |
$59,000 | $117,000 |
| Mortgage Insurance Denied |
5 | $887,000 |
$177,000 | $203,000 |
$79,000 | $128,000 |
| Other |
66 | $15,378,000 |
$233,000 | $878,000 |
$102,000 | $500,000 |
| Unverifiable Information |
38 | $7,193,000 |
$189,000 | $417,000 |
$82,000 | $199,000 |
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