Addison County, VT Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 2,153 mortgage applications in Addison County, VT totaling $379.0 million, up 17% from 2011. The average application was for $176,000, and applicants reported an average income of $85,000. 63% of applications resulted in an originated loan and 13% were denied. The most active lender was National Bank of Middlebury, with 533 applications, followed by Eastrise Federal Credit Union and Vermont Federal Credit Union.

Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Vermont.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 2,153
Total Mortgage Loan Application Amount $379,003,000
Average Mortgage Loan Application Amount $176,000
Highest Mortgage Loan Application Amount $1,256,000
Average Applicant Income $85,000
Highest Applicant Income $860,000

Mortgage Company List for Lending in Addison County, VT for 2012

* 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
* $ 284,854,000 533 $ 85,164,000
Eastrise Federal Credit Union
141 HARVEST LANE
WILLISTON, VT 05495
* $ 858,756,000 180 $ 28,285,000
Vermont Federal Credit Union
275 KENNEDY DR
SOUTH BURLINGTON, VT 05407
* $ 335,785,000 154 $ 22,116,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 139 $ 30,166,000
Merchants Bank
PO BOX 1009
BURLINGTON, VT 05402
* $ 1,615,145,000 101 $ 15,973,000
People's United Bank
850 MAIN STREET
BRIDGEPORT, CT 06604
* $ 27,319,304,000 84 $ 17,085,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 64 $ 12,969,000
Vermont State Employees
ONE BAILEY AVENUE
MONTPELIER, VT 05602
* $ 573,357,000 60 $ 6,588,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 13,039,950,000 52 $ 9,315,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 106,940,591,000 49 $ 7,197,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 86,198,836,000 47 $ 8,407,000
Mortgage Financial Inc
170 MAIN STREET, SUITE 108
TEWKSBURY, MA 01876
* $ 10,000,000 41 $ 8,564,000
Passumpsic Bank
25 MR ARTHUR DRIVE
CHESTERFIELD, NH 03466
* $ 306,000,000 41 $ 8,007,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 36 $ 7,145,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 35 $ 6,173,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 30 $ 5,578,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 29 $ 6,318,000
Northcountry Federal Credit Union
PO BOX 64709
BURLINGTON, VT 05406
* $ 350,250,000 24 $ 3,397,000
Union Bank
20 LOWER MAIN STREET PO BOX 667
MORRISVILLE, VT 05661
* $ 551,849,000 23 $ 5,044,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ 10,000,000 23 $ 4,631,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 20 $ 5,108,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 20 $ 3,544,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 188,912,554,000 19 $ 3,399,000
Lake Sunapee Bank
9 MAIN ST
NEWPORT, NH 03773
* $ 1,038,509,000 17 $ 2,478,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 16 $ 4,248,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 15 $ 2,866,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 14 $ 2,660,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 11 $ 2,022,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 10 $ 2,110,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 8 $ 1,395,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 8 $ 1,655,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 826,484,000 8 $ 1,436,000
Guaranty Bank
501 W NORTHSHORE DR. SUITE 400
GLENDALE, WI 53217
* $ 1,163,507,000 8 $ 1,901,000
Northfield Savings Bank
1021 PAINE TURNPIKE NORTH
BERLIN, VT 05602
* $ 685,763,000 8 $ 1,429,000
Shelter Mortgage Company, LLC
4000 W BROWN DEER ROAD
BROWN DEER, WI 53209
* $ 1,270,503,000 7 $ 1,519,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 6 $ 1,058,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 6 $ 1,172,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 5,558,535,000 6 $ 1,163,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 6 $ 1,573,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 5 $ 1,232,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 5 $ 1,018,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 5 $ 919,000
Lendus, LLC
3236 STONE VALLEY ROAD W
ALAMO, CA 94507
* $ 10,000,000 5 $ 1,003,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 4,664,742,000 5 $ 1,031,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 921,138,000 4 $ 566,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 12,019,539,000 4 $ 899,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 263,309,559,000 4 $ 1,301,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 4 $ 1,145,000
Farmers Bank and Trust NA
1017 HARRISON
GREAT BEND, KS 67530
* $ 648,887,000 4 $ 1,098,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 3 $ 442,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 3 $ 711,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 3 $ 575,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 2 $ 419,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ 10,000,000 2 $ 483,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 2 $ 135,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 2 $ 340,000
Wcs Lending, LLC
951 YAMATO ROAD, SUITE 150
BOCA RATON, FL 33431
* $ 25,076,000 2 $ 491,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 2 $ 423,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 78,146,882,000 2 $ 267,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 584,153,000 2 $ 533,000
Community National Bank
4811 US ROUTE 5
NEWPORT, VT 05855
* $ 552,102,000 2 $ 506,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 808,645,000 2 $ 229,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 419,837,000 2 $ 290,000
Norwich Commercial Group Inc
38 SECURITY DRIVE
AVON, CT 06001
* $ 17,789,000 2 $ 366,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 2 $ 336,000
802 Credit Union
265 SOUTH MAIN STREET
BARRE, VT 05641
* $ 72,078,000 2 $ 50,000
One Credit Union
380 RIVER STREET
SPRINGFIELD, VT 05156
* $ 123,887,000 2 $ 209,000
Berkshire Bank

ALBANY, NY 12207
* $ 3,955,635,000 1 $ 150,000
Service Federal Credit Union
3003 LAFAYETTE ROAD
PORTSMOUTH, NH 03801
* $ 1,979,084,000 1 $ 109,000
Msa Mortgage, LLC
5 FREMONT STREET
WINTHROP, MA 02152
* $ 10,000,000 1 $ 143,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 1 $ 12,000
Merrimack Mortgage Company, in
1045 ELM STREET, SUITE 601
MANCHESTER, NH 03101
* $ 10,000,000 1 $ 417,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ 10,000,000 1 $ 242,000
Guardhill Financial LLC
140 EAST 45TH STREET, 31ST FLOOR
NEW YORK, NY 10017
* $ 9,310,000 1 $ 100,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ 10,000,000 1 $ 225,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 518,825,000 1 $ 4,000
First Place Bank
185 EAST MARKET
WARREN, OH 44481
* $ 2,716,563,000 1 $ 323,000
Alden State Bank
13216 BROADWAY
ALDEN, NY 14004
* $ 229,963,000 1 $ 2,000
Chemung Canal Trust Company
ONE CHEMUNG CANAL PLAZA
ELMIRA, NY 14901
* $ 1,213,554,000 1 $ 721,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 4,231,076,000 1 $ 180,000
Hometown Funding, Inc. D/B/A Cnb Mortgage Company
63 A MONROE AVENUE
PITTSFORD, NY 14534
* $ 1,540,588,000 1 $ 308,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 170,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 619,450,000 1 $ 140,000
First Century Bank, National Association
807 DORSEY ST
GAINESVILLE, GA 30501
* $ 69,289,000 1 $ 385,000
UBS Ag, Tampa Branch
3000 BAYPORT
TAMPA, FL 33607
* $ 1,400,000,000 1 $ 292,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,184,743,000 1 $ 209,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 1 $ 391,000
Affinity Federal Credit Union
73 MOUNTAINVIEW BLVD.
BASKING RIDGE, NJ 07920
* $ 2,139,801,000 1 $ 242,000
Canandaigua National Bank & Trust
72 SOUTH MAIN ST
CANANDAIGUA, NY 14424
* $ 1,726,940,000 1 $ 308,000
Sterling National Bank
98 CUTTERMILL ROAD
GREAT NECK, NY 11021
* $ 2,458,228,000 1 $ 111,000
Firstar Bank, National Association
PO BOX 308
ROLAND, OK 74954
* $ 223,553,000 1 $ 110,000
Meridian Bank
9 OLD LINCOLN HIGHWAY
MALVERN, PA 19355
* $ 401,738,000 1 $ 144,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,736,579,000 1 $ 102,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 25,513,620,000 1 $ 322,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 66,063,531,000 1 $ 409,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 2,084,000,000 1 $ 33,000
Edward Jones Mortgage, LLC
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,783,443,000 1 $ 135,000
Military Family Home Loans, Ll
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 1,102,281,049,000 1 $ 165,000
Mortgage Master, Inc.
102 ELM STREET
WALPOLE, MA 02081
* $ 11,250,346,000 1 $ 349,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ 10,000,000 1 $ 152,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 144,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,056,671,000 1 $ 400,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 1 $ 351,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 137,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 1 $ 145,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 209,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 142,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 1 $ 220,000

The tables below break down 2012 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 2012

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 1,509 $273,115,000 $180,000 $1,117,000 $86,000 $860,000
Home Purchase 426 $80,922,000 $189,000 $721,000 $85,000 $722,000
Home Improvement 218 $24,966,000 $114,000 $1,256,000 $77,000 $450,000

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 1,760 $304,764,000 $173,000 $1,050,000 $88,000 $835,000
Not Provided 223 $39,230,000 $175,000 $1,117,000 $98,000 $860,000
Not applicable 117 $25,044,000 $214,000 $1,256,000 $9,000 $227,000
Hispanic 21 $4,146,000 $197,000 $394,000 $111,000 $327,000
Black or African American 16 $2,850,000 $178,000 $281,000 $59,000 $119,000
American Indian or Alaskan Native 12 $2,025,000 $168,000 $329,000 $81,000 $256,000
Asian 4 $944,000 $236,000 $400,000 $70,000 $88,000
Native Hawaiian or Other Pacific Islander 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) 1,929 $337,288,000 $174,000 $1,256,000 $90,000 $860,000
FHA-insured (Federal Housing Administration) 95 $16,803,000 $176,000 $323,000 $46,000 $151,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 84 $15,102,000 $179,000 $306,000 $38,000 $81,000
VA-guaranteed (Veterans Administration) 45 $9,810,000 $218,000 $418,000 $30,000 $136,000

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 1,366 $233,748,000 $171,000 $1,256,000 $92,000 $835,000
Application Denied By Financial Institution 282 $47,843,000 $169,000 $1,050,000 $72,000 $450,000
Loan Purchased By The Institution 202 $40,837,000 $202,000 $519,000 $47,000 $304,000
Application Withdrawn By Applicant 157 $29,592,000 $188,000 $1,117,000 $91,000 $860,000
Application Approved But Not Accepted 102 $18,697,000 $183,000 $960,000 $88,000 $499,000
File Closed For Incompleteness 44 $8,286,000 $188,000 $605,000 $78,000 $300,000
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
Debt-To-Income Ratio 88 $15,409,000 $175,000 $575,000 $55,000 $250,000
Collateral 66 $12,106,000 $183,000 $1,050,000 $94,000 $375,000
Credit History 52 $7,680,000 $147,000 $359,000 $73,000 $450,000
Other 11 $2,112,000 $192,000 $383,000 $103,000 $226,000
Unverifiable Information 11 $1,735,000 $157,000 $246,000 $81,000 $109,000
Credit Application Incomplete 6 $1,399,000 $233,000 $415,000 $101,000 $129,000
Insufficient Cash (Downpayment, Closing Cost) 4 $591,000 $147,000 $316,000 $61,000 $98,000
Employment History 3 $454,000 $151,000 $165,000 $61,000 $66,000
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.

Download the Vermont Lender List