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| Location |
Orange County VT
• Apply Here |
| Year | 2008 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 2008 |
| Total Number of Mortgage Applications | 1,183 |
| Total Amount of All Mortgage Loans Applied For | $169,935,000 |
| Average Mortgage Loan Amount Applied For | $143,000 |
| Highest Mortgage Loan Amount Applied For | $1,500,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $6,144,000 |
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| Home Improvement |
182 | $14,232,000 |
$78,000 | $370,000 |
$76,000 | $696,000 |
| Home Purchase |
303 | $49,701,000 |
$164,000 | $1,295,000 |
$71,000 | $970,000 |
| Refinancing |
698 | $106,002,000 |
$151,000 | $1,500,000 |
$79,000 | $6,144,000 |
|
| American Indian or Alaskan Native |
7 | $812,000 |
$116,000 | $250,000 |
$54,000 | $72,000 |
| Asian |
2 | $260,000 |
$130,000 | $160,000 |
$46,000 | $60,000 |
| Black or African American |
2 | $501,000 |
$250,000 | $319,000 |
$68,000 | $85,000 |
| Hispanic |
8 | $1,089,000 |
$136,000 | $263,000 |
$54,000 | $93,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $145,000 |
$145,000 | $145,000 |
$28,000 | $28,000 |
| Not applicable |
65 | $11,849,000 |
$182,000 | $372,000 |
$9,000 | $133,000 |
| Not Provided |
145 | $20,343,000 |
$140,000 | $1,500,000 |
$83,000 | $1,335,000 |
| White |
953 | $134,936,000 |
$141,000 | $1,295,000 |
$81,000 | $6,144,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,051 | $148,395,000 |
$141,000 | $1,500,000 |
$79,000 | $6,144,000 |
| FHA-insured (Federal Housing Administration) |
109 | $17,460,000 |
$160,000 | $285,000 |
$55,000 | $141,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
5 | $606,000 |
$121,000 | $136,000 |
$38,000 | $60,000 |
| VA-guaranteed (Veterans Administration) |
18 | $3,474,000 |
$193,000 | $309,000 |
$66,000 | $133,000 |
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| Application Approved But Not Accepted |
102 | $12,260,000 |
$120,000 | $415,000 |
$69,000 | $360,000 |
| Application Denied By Financial Institution |
290 | $39,181,000 |
$135,000 | $462,000 |
$63,000 | $400,000 |
| Application Withdrawn By Applicant |
102 | $15,970,000 |
$156,000 | $462,000 |
$67,000 | $270,000 |
| File Closed For Incompleteness |
27 | $3,436,000 |
$127,000 | $320,000 |
$77,000 | $238,000 |
| Loan Originated |
541 | $77,155,000 |
$142,000 | $1,500,000 |
$96,000 | $6,144,000 |
| Loan Purchased By The Institution |
121 | $21,933,000 |
$181,000 | $372,000 |
$38,000 | $216,000 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
|
| Collateral |
49 | $8,891,000 |
$181,000 | $367,000 |
$82,000 | $319,000 |
| Credit Application Incomplete |
11 | $1,858,000 |
$168,000 | $417,000 |
$68,000 | $230,000 |
| Credit History |
44 | $5,166,000 |
$117,000 | $360,000 |
$69,000 | $400,000 |
| Debt-To-Income Ratio |
32 | $4,333,000 |
$135,000 | $319,000 |
$48,000 | $126,000 |
| Employment History |
3 | $498,000 |
$166,000 | $183,000 |
$34,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $136,000 |
$136,000 | $136,000 |
$32,000 | $32,000 |
| Mortgage Insurance Denied |
2 | $254,000 |
$127,000 | $140,000 |
$61,000 | $67,000 |
| Other |
10 | $1,280,000 |
$128,000 | $240,000 |
$61,000 | $146,000 |
| Unverifiable Information |
5 | $980,000 |
$196,000 | $416,000 |
$96,000 | $246,000 |
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