Addison County, VT Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 2,066 mortgage applications in Addison County, VT totaling $355.7 million, down 25% from 2009. The average application was for $172,000, and applicants reported an average income of $82,000. 54% of applications resulted in an originated loan and 16% were denied. The most active lender was National Bank of Middlebury, with 401 applications, followed by Vermont Federal Credit Union and Bank of America, N.A..
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,066 |
| Total Mortgage Loan Application Amount | $355,702,000 |
| Average Mortgage Loan Application Amount | $172,000 |
| Highest Mortgage Loan Application Amount | $1,208,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $3,000,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| National Bank of Middlebury 30 MAIN STREET MIDDLEBURY, VT 05753 |
* | $ 275,358,000 | 401 | $ 62,373,000 |
| Vermont Federal Credit Union 275 KENNEDY DR SOUTH BURLINGTON, VT 05407 |
* | $ 263,203,000 | 168 | $ 21,478,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 140 | $ 27,706,000 |
| Eastrise Federal Credit Union 141 HARVEST LANE WILLISTON, VT 05495 |
* | $ 732,059,000 | 136 | $ 21,490,000 |
| People's United Bank 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 20,637,335,000 | 124 | $ 20,996,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 59 | $ 9,691,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 58 | $ 12,343,000 |
| Mortgage Financial Inc 170 MAIN STREET, SUITE 108 TEWKSBURY, MA 01876 |
* | $ 10,000,000 | 58 | $ 12,898,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 55 | $ 8,795,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 116,921,115,000 | 52 | $ 6,356,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 49 | $ 10,971,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 90,179,122,000 | 47 | $ 8,236,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 46 | $ 9,446,000 |
| Merchants Bank PO BOX 1009 BURLINGTON, VT 05402 |
* | $ 1,438,734,000 | 45 | $ 5,624,000 |
| Vermont State Employees ONE BAILEY AVENUE MONTPELIER, VT 05602 |
* | $ 492,673,000 | 38 | $ 4,910,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 37 | $ 7,536,000 |
| Passumpsic Bank 25 MR ARTHUR DRIVE CHESTERFIELD, NH 03466 |
* | $ 306,000,000 | 34 | $ 6,961,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 31 | $ 6,385,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 27 | $ 5,034,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 4,542,636,000 | 27 | $ 5,727,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 26 | $ 3,102,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 26 | $ 4,179,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 26 | $ 5,185,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 23 | $ 3,799,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 22 | $ 4,447,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 21 | $ 4,136,000 |
| TD Bank N.A. 70 GRAY ROAD FALMOUTH, ME 04105 |
* | $ 140,038,551,000 | 21 | $ 4,459,000 |
| W. J. Bradley Mortgage Capital 6465 GREENWOOD PLAZA BLVD, SUITE 500 CENTENNIAL, CO 80111 |
* | $ 10,000,000 | 18 | $ 3,861,000 |
| Ark-La-Tex Financial Services 5160 TENNYSON PKWY, SUITE 2000W PLANO, TX 75024 |
* | $ 10,000,000 | 17 | $ 2,851,000 |
| Northcountry Federal Credit Union PO BOX 64709 BURLINGTON, VT 05406 |
* | $ 264,759,000 | 17 | $ 1,664,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 15 | $ 2,621,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 13 | $ 2,566,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 9 | $ 1,857,000 |
| Northfield Savings Bank 1021 PAINE TURNPIKE NORTH BERLIN, VT 05602 |
* | $ 608,488,000 | 7 | $ 1,401,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 40,150,052,000 | 7 | $ 1,616,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 7 | $ 1,465,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 6 | $ 1,225,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 6 | $ 1,100,000 |
| Lake Sunapee Bank 9 MAIN ST NEWPORT, NH 03773 |
* | $ 958,642,000 | 6 | $ 764,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 5 | $ 831,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 5 | $ 518,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 5 | $ 863,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 5 | $ 1,400,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 4 | $ 920,000 |
| Merrimack Mortgage Company, in 1045 ELM STREET, SUITE 601 MANCHESTER, NH 03101 |
* | $ 10,000,000 | 4 | $ 685,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 4 | $ 1,324,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 964,882,000 | 4 | $ 570,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 477,531,000 | 3 | $ 614,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,506,113,000 | 3 | $ 755,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 3 | $ 588,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 3,938,342,000 | 3 | $ 487,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 43,242,751,000 | 3 | $ 914,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 5,424,588,000 | 3 | $ 789,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 653,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 3 | $ 654,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 2 | $ 326,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 2 | $ 445,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 2 | $ 350,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 170,688,000 | 2 | $ 209,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 347,000 |
| Sovereign Bank 1130 BERKSHIRE BOULEVARD WYOMISSING, PA 19610 |
* | $ 73,839,735,000 | 2 | $ 491,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 335,000 |
| United Midwest Savings Bank 101 S MAIN ST DEGRAFF, OH 43318 |
* | $ 266,952,000 | 1 | $ 60,000 |
| Countryside Federal Credit Union 5720 COMMONS PARK EAST SYRACUSE, NY 13057 |
* | $ 124,857,000 | 1 | $ 100,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 1 | $ 409,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 197,928,000 | 1 | $ 188,000 |
| Granite Bank 132 MAIN STREET COLEBROOK, NH 03576 |
* | $ 212,825,000 | 1 | $ 230,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 1 | $ 300,000 |
| Greenpark Mortgage Corporation 140 GOULD STREET NEEDHAM, MA 02494 |
* | $ 1,031,643,000 | 1 | $ 392,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 1 | $ 213,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 257,702,000 | 1 | $ 54,000 |
| Carnegie Mortgage 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 1 | $ 167,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 2,666,712,000 | 1 | $ 910,000 |
| Sterling National Mortgage Co. 98 CUTTERMILL RD GREAT NECK, NY 11021 |
* | $ 964,388,000 | 1 | $ 168,000 |
| Shelter Mortgage Company, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 12,000,000 | 1 | $ 240,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 13,969,885,000 | 1 | $ 65,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 1 | $ 750,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA, 2-14-05 COLUMBUS, OH 43215 |
* | $ 3,206,002,000 | 1 | $ 172,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 138,006,763,000 | 1 | $ 140,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 1 | $ 210,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 349,760,000 | 1 | $ 172,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 25,841,918,000 | 1 | $ 80,000 |
| Affinity Federal Credit Union 73 MOUNTAINVIEW BLVD. BASKING RIDGE, NJ 07920 |
* | $ 1,944,931,000 | 1 | $ 240,000 |
| Advancial Federal Credit Union 1845 WOODALL RODGERS FWY, SUITE 1300 DALLAS, TX 75231 |
* | $ 892,179,000 | 1 | $ 260,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 51,111,245,000 | 1 | $ 270,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 111,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 255,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 200,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 39,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 163,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 230,000 |
The tables below break down 2010 mortgage applications in Addison County, VT by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Addison County, VT in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,438 | $254,332,000 | $176,000 | $1,208,000 | $84,000 | $3,000,000 |
| Home Purchase | 424 | $78,548,000 | $185,000 | $680,000 | $74,000 | $585,000 |
| Home Improvement | 204 | $22,822,000 | $111,000 | $910,000 | $84,000 | $756,000 |
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 | 1,635 | $277,026,000 | $169,000 | $1,208,000 | $85,000 | $3,000,000 |
| Not Provided | 267 | $47,761,000 | $178,000 | $1,200,000 | $101,000 | $1,360,000 |
| Not applicable | 123 | $23,564,000 | $191,000 | $417,000 | $2,000 | $129,000 |
| Hispanic | 20 | $3,122,000 | $156,000 | $398,000 | $85,000 | $184,000 |
| American Indian or Alaskan Native | 9 | $2,095,000 | $232,000 | $396,000 | $92,000 | $175,000 |
| Asian | 7 | $1,218,000 | $174,000 | $256,000 | $94,000 | $168,000 |
| Black or African American | 4 | $711,000 | $177,000 | $252,000 | $130,000 | $137,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $205,000 | $205,000 | $205,000 | $90,000 | $90,000 |
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) | 1,814 | $307,943,000 | $169,000 | $1,208,000 | $85,000 | $3,000,000 |
| FHA-insured (Federal Housing Administration) | 188 | $35,397,000 | $188,000 | $383,000 | $62,000 | $720,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 37 | $6,556,000 | $177,000 | $321,000 | $41,000 | $78,000 |
| VA-guaranteed (Veterans Administration) | 27 | $5,806,000 | $215,000 | $409,000 | $53,000 | $221,000 |
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 | 1,112 | $181,058,000 | $162,000 | $750,000 | $89,000 | $756,000 |
| Application Denied By Financial Institution | 333 | $60,051,000 | $180,000 | $989,000 | $73,000 | $720,000 |
| Loan Purchased By The Institution | 325 | $62,609,000 | $192,000 | $417,000 | $52,000 | $714,000 |
| Application Withdrawn By Applicant | 143 | $26,835,000 | $187,000 | $1,208,000 | $124,000 | $3,000,000 |
| Application Approved But Not Accepted | 90 | $14,595,000 | $162,000 | $455,000 | $84,000 | $520,000 |
| File Closed For Incompleteness | 62 | $10,215,000 | $164,000 | $350,000 | $67,000 | $215,000 |
| Preapproval Approved but not Accepted | 1 | $339,000 | $339,000 | $339,000 | $142,000 | $142,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 95 | $16,905,000 | $177,000 | $989,000 | $57,000 | $284,000 |
| Collateral | 69 | $14,139,000 | $204,000 | $918,000 | $91,000 | $530,000 |
| Credit History | 47 | $6,859,000 | $145,000 | $934,000 | $66,000 | $300,000 |
| Other | 33 | $6,741,000 | $204,000 | $989,000 | $69,000 | $291,000 |
| Credit Application Incomplete | 14 | $3,161,000 | $225,000 | $417,000 | $141,000 | $629,000 |
| Unverifiable Information | 6 | $1,266,000 | $211,000 | $300,000 | $46,000 | $82,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,586,000 | $317,000 | $800,000 | $154,000 | $600,000 |
| Employment History | 4 | $302,000 | $75,000 | $150,000 | $40,000 | $88,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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