|
| Location |
Windham County VT
• Apply Here |
| Year | 2008 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 2008 |
| Total Number of Mortgage Applications | 1,950 |
| Total Amount of All Mortgage Loans Applied For | $362,696,000 |
| Average Mortgage Loan Amount Applied For | $185,000 |
| Highest Mortgage Loan Amount Applied For | $3,800,000 |
| Average Applicant Income | $128,000 |
| Highest Applicant Income | $3,792,000 |
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| Home Improvement |
228 | $28,597,000 |
$125,000 | $3,800,000 |
$96,000 | $2,608,000 |
| Home Purchase |
584 | $116,176,000 |
$198,000 | $1,500,000 |
$156,000 | $1,992,000 |
| Refinancing |
1,138 | $217,923,000 |
$191,000 | $3,800,000 |
$120,000 | $3,792,000 |
|
| American Indian or Alaskan Native |
6 | $911,000 |
$151,000 | $260,000 |
$54,000 | $85,000 |
| Asian |
9 | $1,812,000 |
$201,000 | $417,000 |
$169,000 | $472,000 |
| Black or African American |
8 | $1,476,000 |
$184,000 | $316,000 |
$86,000 | $120,000 |
| Hispanic |
23 | $3,680,000 |
$160,000 | $390,000 |
$131,000 | $388,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
156 | $33,912,000 |
$217,000 | $2,175,000 |
$23,000 | $567,000 |
| Not Provided |
306 | $61,416,000 |
$200,000 | $2,593,000 |
$151,000 | $1,424,000 |
| White |
1,442 | $259,489,000 |
$179,000 | $3,800,000 |
$134,000 | $3,792,000 |
|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,791 | $336,362,000 |
$187,000 | $3,800,000 |
$134,000 | $3,792,000 |
| FHA-insured (Federal Housing Administration) |
141 | $23,575,000 |
$167,000 | $282,000 |
$58,000 | $225,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
7 | $1,023,000 |
$146,000 | $165,000 |
$52,000 | $62,000 |
| VA-guaranteed (Veterans Administration) |
11 | $1,736,000 |
$157,000 | $270,000 |
$46,000 | $100,000 |
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| Application Approved But Not Accepted |
160 | $26,726,000 |
$167,000 | $417,000 |
$159,000 | $2,608,000 |
| Application Denied By Financial Institution |
414 | $73,542,000 |
$177,000 | $3,800,000 |
$110,000 | $3,000,000 |
| Application Withdrawn By Applicant |
142 | $27,396,000 |
$192,000 | $3,800,000 |
$147,000 | $3,792,000 |
| File Closed For Incompleteness |
25 | $4,962,000 |
$198,000 | $563,000 |
$114,000 | $360,000 |
| Loan Originated |
956 | $176,251,000 |
$184,000 | $2,175,000 |
$143,000 | $2,827,000 |
| Loan Purchased By The Institution |
253 | $53,819,000 |
$212,000 | $2,593,000 |
$72,000 | $696,000 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
|
| Collateral |
81 | $15,789,000 |
$194,000 | $3,000,000 |
$164,000 | $3,000,000 |
| Credit Application Incomplete |
25 | $4,427,000 |
$177,000 | $750,000 |
$177,000 | $1,007,000 |
| Credit History |
69 | $8,213,000 |
$119,000 | $610,000 |
$79,000 | $408,000 |
| Debt-To-Income Ratio |
77 | $18,174,000 |
$236,000 | $3,800,000 |
$76,000 | $793,000 |
| Employment History |
3 | $663,000 |
$221,000 | $302,000 |
$84,000 | $177,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $276,000 |
$138,000 | $146,000 |
$45,000 | $60,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
33 | $5,894,000 |
$178,000 | $575,000 |
$102,000 | $294,000 |
| Unverifiable Information |
9 | $2,337,000 |
$259,000 | $500,000 |
$442,000 | $1,140,000 |
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