Addison County, VT Mortgage Lenders & HMDA Data, 2019

In 2019, lenders reported 1,631 mortgage applications in Addison County, VT totaling $296.8 million, up 14% from 2018. The average application was for $181,000, and applicants reported an average income of $105,000. 65% of applications resulted in an originated loan and 12% were denied. The most active lender was Vermont Federal Credit Union, with 289 applications, followed by National Bank of Middlebury and Eastrise Federal Credit Union.

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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 1,631
Total Mortgage Loan Application Amount $296,775,000
Average Mortgage Loan Application Amount $181,000
Highest Mortgage Loan Application Amount $4,005,000
Average Applicant Income $105,000
Highest Applicant Income $1,918,000

Mortgage Company List for Lending in Addison County, VT for 2019

* 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
Vermont Federal Credit Union
275 KENNEDY DR
SOUTH BURLINGTON, VT 05407
* $ 558,777,000 289 $ 34,275,000
National Bank of Middlebury
30 MAIN STREET
MIDDLEBURY, VT 05753
* $ 370,312,000 226 $ 47,470,000
Eastrise Federal Credit Union
141 HARVEST LANE
WILLISTON, VT 05495
* $ 1,259,693,000 174 $ 27,480,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 129,426,633,000 76 $ 10,840,000
People's United Bank
850 MAIN STREET
BRIDGEPORT, CT 06604
* $ 47,601,600,000 63 $ 9,355,000
Passumpsic Bank
25 MR ARTHUR DRIVE
CHESTERFIELD, NH 03466
* $ -1,000 56 $ 13,390,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 137,976,503,000 49 $ 6,805,000
Union Bank
20 LOWER MAIN STREET PO BOX 667
MORRISVILLE, VT 05661
* $ 804,593,000 47 $ 11,065,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 45 $ 10,485,000
Vermont State Employees
ONE BAILEY AVENUE
MONTPELIER, VT 05602
* $ 778,158,000 41 $ 6,125,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 10,412,127,000 38 $ 4,700,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 32 $ 6,830,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,689,351,000,000 28 $ 5,090,000
Northcountry Federal Credit Union
PO BOX 64709
BURLINGTON, VT 05406
* $ 620,193,000 26 $ 4,130,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 459,476,604,000 25 $ 4,965,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 81,602,818,000 18 $ 3,840,000
Northfield Savings Bank
1021 PAINE TURNPIKE NORTH
BERLIN, VT 05602
* $ 1,033,301,000 17 $ 2,765,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 16 $ 1,650,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 14 $ 2,810,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 36,899,806,000 13 $ 2,085,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 13 $ 2,455,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 12 $ 2,770,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 302,668,929,000 10 $ 2,570,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 10 $ 2,130,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,782,639,000,000 9 $ 3,185,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 9 $ 2,105,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 9 $ 1,965,000
One Credit Union
380 RIVER STREET
SPRINGFIELD, VT 05156
* $ 170,547,000 8 $ 810,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 8 $ 1,610,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 8 $ 1,950,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,015,112,000 8 $ 670,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 8 $ 1,650,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 7 $ 1,785,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 6 $ 1,180,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 6 $ 1,320,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 96,962,446,000 5 $ 1,495,000
Draper and Kramer Mortgage Corp.
1431 OPUS PLACE SUITE 200
WILMINGTON, DE 60515
* $ -1,000 5 $ 1,275,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,011,136,000 4 $ 860,000
Bar Harbor Bank & Trust
82 MAIN STREET
BAR HARBOR, ME 04609
* $ 3,604,567,000 4 $ 1,240,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,218,960,000,000 4 $ 620,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 4 $ 810,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 4 $ 1,230,000
Flagstar Bank NA

TROY, MI 49098
* $ 18,466,868,000 4 $ 790,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 4 $ 680,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 4 $ 810,000
802 Credit Union
265 SOUTH MAIN STREET
BARRE, VT 05641
* $ 129,661,000 3 $ 95,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 9,492,332,000 3 $ 4,345,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 3 $ 915,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,500,928,000 3 $ 3,185,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 325,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 3 $ 645,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 684,352,000 3 $ 925,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 3 $ 605,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 2 $ 500,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 2 $ 430,000
Berkshire Bank

ALBANY, NY 12207
* $ 12,187,936,000 2 $ 100,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 234,032,000,000 2 $ 530,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 2 $ 440,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 2 $ 340,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 2 $ 460,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,185,032,000 2 $ 620,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 2 $ 330,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,484,751,000 2 $ 250,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 17,230,779,000 2 $ 380,000
Sofi Mortgage, LLC
6175 MAIN STREET, SUITE 490
FRISCO, TX 75034
* $ -1,000 1 $ 275,000
Leader Bank NA
141 MASSACHUSETTS AVENUE
ARLINGTON, MA 02474
* $ 1,348,132,000 1 $ 235,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ -1,000 1 $ 195,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 195,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 1 $ 235,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ -1,000 1 $ 755,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 268,405,000 1 $ 195,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ -1,000 1 $ 685,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 225,000
Traditions Bank
226 PAULINE DRIVE
YORK, PA 17402
* $ 482,918,000 1 $ 205,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 23,137,750,000 1 $ 235,000
Silicon Valley Bank
3003 TASMAN DRIVE
SANTA CLARA, CA 95054
* $ 56,139,644,000 1 $ 155,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 3,483,865,000 1 $ 275,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 144,453,358,000 1 $ 195,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 405,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 125,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 1 $ 155,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 165,000
Arvest Bank

TULSA, OK 74103
* $ 18,449,940,000 1 $ 455,000
First Federal S&L of Lakewood
14806 DETROIT AVE
LAKEWOOD, OH 44107
* $ 1,960,015,000 1 $ 205,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,135,647,000 1 $ 95,000
Citibank, NA

NEW YORK, NY 10012
* $ 826,876,000,000 1 $ 255,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 1,811,622,000 1 $ 5,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 1 $ 225,000
Canandaigua National Bank & Trust
72 SOUTH MAIN ST
CANANDAIGUA, NY 14424
* $ 2,848,430,000 1 $ 75,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 3,538,467,000 1 $ 315,000
Bank of Millbrook
PO BOX AF, 3263 FRANKLIN AVENUE
MILLBROOK, NY 12545
* $ 218,735,000 1 $ 215,000
Toyota Financial Savings Bank
2485 VILLAGE VIEW DRIVE, SUITE 200
HENDERSON, NV 89074
* $ 1,028,840,000 1 $ 265,000
Star USA Federal Credit Union
ONE CANTLEY DRIVE
CHARLESTON, WV 25314
* $ 156,505,000 1 $ 55,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 8,530,262,000 1 $ 275,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ -1,000 1 $ 225,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 175,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 209,720,480,000 1 $ 285,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 1 $ 355,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ -1,000 1 $ 235,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 820,261,000 1 $ 335,000
Raymond James Bank
710 CARILLON PARKWAY
SAINT PETERSBURG, FL 33716
* $ 25,140,256,000 1 $ 305,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 35,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 295,000

The tables below break down 2019 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 2019

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
Home Purchase 592 $134,260,000 $226,000 $4,005,000 $105,000 $1,328,000
Refinancing 459 $85,695,000 $186,000 $2,105,000 $110,000 $1,918,000
Cash-out Refinancing 266 $51,100,000 $192,000 $755,000 $98,000 $1,000,000
Home Improvement 191 $13,775,000 $72,000 $425,000 $101,000 $798,000
Other Purpose 109 $10,045,000 $92,000 $755,000 $117,000 $1,220,000
Not Applicable 14 $1,900,000 $135,000 $255,000 $0 $0

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 1,246 $217,910,000 $174,000 $2,105,000 $101,000 $1,269,000
Not Provided 257 $51,415,000 $200,000 $1,935,000 $129,000 $1,918,000
Not applicable 82 $19,220,000 $234,000 $4,005,000 $73,000 $226,000
Asian 17 $2,875,000 $169,000 $295,000 $89,000 $117,000
Hispanic 17 $2,705,000 $159,000 $445,000 $147,000 $396,000
Black or African American 6 $1,520,000 $253,000 $295,000 $131,000 $277,000
American Indian or Alaskan Native 2 $560,000 $280,000 $355,000 $49,000 $54,000
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) 1,399 $248,385,000 $177,000 $4,005,000 $110,000 $1,918,000
FHA-insured (Federal Housing Administration) 125 $24,835,000 $198,000 $325,000 $65,000 $193,000
VA-guaranteed (Veterans Administration) 75 $17,675,000 $235,000 $475,000 $86,000 $448,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 32 $5,880,000 $183,000 $275,000 $65,000 $88,000

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 1,063 $199,335,000 $187,000 $4,005,000 $111,000 $1,918,000
Application Denied By Financial Institution 197 $29,275,000 $148,000 $2,105,000 $82,000 $1,269,000
Application Withdrawn By Applicant 195 $35,805,000 $183,000 $505,000 $103,000 $454,000
Loan Purchased By The Institution 80 $15,570,000 $194,000 $355,000 $95,000 $397,000
File Closed For Incompleteness 61 $11,295,000 $185,000 $755,000 $117,000 $1,000,000
Application Approved But Not Accepted 34 $5,220,000 $153,000 $405,000 $82,000 $212,000
Preapproval Approved but not Accepted 1 $275,000 $275,000 $275,000 $115,000 $115,000
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
Not applicable 1,429 $266,375,000 $186,000 $4,005,000 $108,000 $1,918,000
Debt-To-Income Ratio 71 $10,405,000 $146,000 $525,000 $66,000 $428,000
Credit History 53 $5,155,000 $97,000 $405,000 $76,000 $165,000
Collateral 43 $7,485,000 $174,000 $2,105,000 $105,000 $1,269,000
Credit Application Incomplete 13 $2,555,000 $196,000 $355,000 $107,000 $290,000
Other 12 $2,770,000 $230,000 $505,000 $136,000 $294,000
Unverifiable Information 5 $875,000 $175,000 $275,000 $138,000 $396,000
Employment History 4 $940,000 $235,000 $455,000 $51,000 $69,000
Insufficient Cash (Downpayment, Closing Cost) 1 $215,000 $215,000 $215,000 $70,000 $70,000
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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