Caledonia County, VT Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 1,225 mortgage applications in Caledonia County, VT totaling $152.2 million, down 8% from 2010. The average application was for $124,000, and applicants reported an average income of $74,000. 58% of applications resulted in an originated loan and 21% were denied. The most active lender was Union Bank, with 205 applications, followed by Passumpsic Bank and Community National Bank.
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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 | 1,225 |
| Total Mortgage Loan Application Amount | $152,200,000 |
| Average Mortgage Loan Application Amount | $124,000 |
| Highest Mortgage Loan Application Amount | $1,526,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $2,309,000 |
* 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 |
|---|---|---|---|---|
| Union Bank 20 LOWER MAIN STREET PO BOX 667 MORRISVILLE, VT 05661 |
* | $ 453,245,000 | 205 | $ 21,308,000 |
| Passumpsic Bank 25 MR ARTHUR DRIVE CHESTERFIELD, NH 03466 |
* | $ 306,000,000 | 186 | $ 27,275,000 |
| Community National Bank 4811 US ROUTE 5 NEWPORT, VT 05855 |
* | $ 545,104,000 | 105 | $ 12,029,000 |
| Northcountry Federal Credit Union PO BOX 64709 BURLINGTON, VT 05406 |
* | $ 297,520,000 | 100 | $ 5,928,000 |
| Merchants Bank PO BOX 1009 BURLINGTON, VT 05402 |
* | $ 1,490,871,000 | 74 | $ 7,632,000 |
| Vermont State Employees ONE BAILEY AVENUE MONTPELIER, VT 05602 |
* | $ 538,577,000 | 66 | $ 6,158,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 48 | $ 6,825,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 42 | $ 6,376,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 32 | $ 4,565,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 179,970,802,000 | 30 | $ 2,847,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 24 | $ 3,488,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 23 | $ 2,798,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 19 | $ 3,247,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 18 | $ 2,808,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 17 | $ 2,344,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 16 | $ 1,555,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 15 | $ 2,424,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 14 | $ 2,399,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 11 | $ 1,605,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 9 | $ 1,523,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 8 | $ 1,547,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 8 | $ 918,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 7 | $ 1,037,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 5 | $ 485,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 91,413,704,000 | 5 | $ 725,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 5 | $ 796,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 5 | $ 561,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 504,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 4 | $ 664,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 4 | $ 646,000 |
| People's United Bank 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 24,650,366,000 | 4 | $ 819,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 4 | $ 369,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 109,283,991,000 | 4 | $ 423,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 4 | $ 563,000 |
| Eastrise Federal Credit Union 141 HARVEST LANE WILLISTON, VT 05495 |
* | $ 797,220,000 | 4 | $ 549,000 |
| Merrimack Mortgage Company, in 1045 ELM STREET, SUITE 601 MANCHESTER, NH 03101 |
* | $ 10,000,000 | 3 | $ 349,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 3 | $ 364,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 10,788,420,000 | 3 | $ 238,000 |
| Guaranty Bank 501 W NORTHSHORE DR. SUITE 400 GLENDALE, WI 53217 |
* | $ 1,270,503,000 | 3 | $ 417,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 3 | $ 354,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 453,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 381,000 |
| Granite Bank 132 MAIN STREET COLEBROOK, NH 03576 |
* | $ 224,651,000 | 2 | $ 190,000 |
| Bank of New Hampshire 62 PLEASANT ST LACONIA, NH 03246 |
* | $ 1,060,643,000 | 2 | $ 303,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 2 | $ 266,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 7,724,367,000 | 2 | $ 1,670,000 |
| Merrill Lynch Credit Corp 30930 RUSSELL RANCH RD CA6-916-01-14 WESTLAKE VILLAGE, CA 91362 |
* | $ 2,223,299,000 | 2 | $ 279,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 56,866,447,000 | 2 | $ 454,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,054,163,000 | 2 | $ 271,000 |
| Northfield Savings Bank 1021 PAINE TURNPIKE NORTH BERLIN, VT 05602 |
* | $ 629,919,000 | 2 | $ 235,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 271,648,000 | 2 | $ 146,000 |
| 802 Credit Union 265 SOUTH MAIN STREET BARRE, VT 05641 |
* | $ 66,045,000 | 2 | $ 250,000 |
| Lendus, LLC 3236 STONE VALLEY ROAD W ALAMO, CA 94507 |
* | $ 10,000,000 | 2 | $ 440,000 |
| Vermont Federal Credit Union 275 KENNEDY DR SOUTH BURLINGTON, VT 05407 |
* | $ 300,447,000 | 2 | $ 119,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 5,192,808,000 | 1 | $ 90,000 |
| Scient Federal Credit Union 60 COLVER AVENUE GROTON, CT 06340 |
* | $ 208,451,000 | 1 | $ 119,000 |
| Lake Sunapee Bank 9 MAIN ST NEWPORT, NH 03773 |
* | $ 992,307,000 | 1 | $ 120,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 341,542,000 | 1 | $ 452,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 427,083,000 | 1 | $ 213,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 457,501,000 | 1 | $ 81,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,312,000,000 | 1 | $ 252,000 |
| Aurora Bank FSB 10350 PARK MEADOWS DRIVE LONE TREE, CO 80124 |
* | $ 4,335,558,000 | 1 | $ 119,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 1 | $ 140,000 |
| First Choice Bank 669 WHITEHEAD ROAD LAWRENCEVILLE, NJ 08648 |
* | $ 448,171,000 | 1 | $ 194,000 |
| Rockland Trust Company 120 LIBERTY STREET BROCKTON, MA 02302 |
* | $ 4,702,401,000 | 1 | $ 103,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 213,864,000 | 1 | $ 140,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 165,000 |
| Central One Federal Credit Union 714 MAIN ST SHREWSBURY, MA 01545 |
* | $ 344,337,000 | 1 | $ 143,000 |
| Hanscom Federal Credit Union 1610 EGLIN ST HANSCOM AFB, MA 01731 |
* | $ 854,111,000 | 1 | $ 199,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,285,622,000 | 1 | $ 130,000 |
| Shelter Mortgage Company, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 1,270,503,000 | 1 | $ 167,000 |
| Mwabank 100 17TH STREET ROCK ISLAND, IL 61201 |
* | $ 241,105,000 | 1 | $ 130,000 |
| Franklin First Financial, Ltd 538 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 36,249,000 | 1 | $ 151,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 181,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 212,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 120,000 |
| First National Bank of Layton 1601 N. HILLFIELD ROAD LAYTON, UT 84041 |
* | $ 256,084,000 | 1 | $ 132,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 137,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 84,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 172,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 214,000 |
| Mortgage Financial Inc 170 MAIN STREET, SUITE 108 TEWKSBURY, MA 01876 |
* | $ 10,000,000 | 1 | $ 191,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 225,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 224,000 |
| Goldman Sachs Bank USA 200 WEST STREET NEW YORK, NY 10282 |
* | $ 88,832,000,000 | 1 | $ 670,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 76,586,967,000 | 1 | $ 165,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,104,501,000 | 1 | $ 170,000 |
The tables below break down 2011 mortgage applications in Caledonia 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 Caledonia County, VT in 2011
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 | 775 | $103,103,000 | $133,000 | $670,000 | $76,000 | $2,309,000 |
| Home Purchase | 287 | $37,911,000 | $132,000 | $1,526,000 | $78,000 | $2,283,000 |
| Home Improvement | 163 | $11,186,000 | $68,000 | $329,000 | $59,000 | $162,000 |
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 | 1,063 | $130,568,000 | $122,000 | $1,526,000 | $78,000 | $2,309,000 |
| Not applicable | 75 | $10,363,000 | $138,000 | $390,000 | $20,000 | $363,000 |
| Not Provided | 63 | $8,037,000 | $127,000 | $304,000 | $78,000 | $267,000 |
| Hispanic | 12 | $1,782,000 | $148,000 | $328,000 | $73,000 | $340,000 |
| American Indian or Alaskan Native | 5 | $408,000 | $81,000 | $102,000 | $42,000 | $59,000 |
| Asian | 5 | $910,000 | $182,000 | $265,000 | $164,000 | $224,000 |
| Black or African American | 1 | $40,000 | $40,000 | $40,000 | $17,000 | $17,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $92,000 | $92,000 | $92,000 | $77,000 | $77,000 |
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) | 1,059 | $128,199,000 | $121,000 | $1,526,000 | $78,000 | $2,309,000 |
| FHA-insured (Federal Housing Administration) | 90 | $13,291,000 | $147,000 | $263,000 | $54,000 | $308,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 42 | $5,004,000 | $119,000 | $222,000 | $26,000 | $73,000 |
| VA-guaranteed (Veterans Administration) | 34 | $5,706,000 | $167,000 | $306,000 | $58,000 | $162,000 |
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 | 710 | $83,478,000 | $117,000 | $1,526,000 | $82,000 | $2,309,000 |
| Application Denied By Financial Institution | 252 | $30,480,000 | $120,000 | $410,000 | $58,000 | $212,000 |
| Loan Purchased By The Institution | 95 | $14,590,000 | $153,000 | $670,000 | $42,000 | $444,000 |
| Application Withdrawn By Applicant | 83 | $11,646,000 | $140,000 | $452,000 | $82,000 | $453,000 |
| Application Approved But Not Accepted | 55 | $7,663,000 | $139,000 | $406,000 | $96,000 | $532,000 |
| File Closed For Incompleteness | 30 | $4,343,000 | $144,000 | $300,000 | $75,000 | $200,000 |
| 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 | 62 | $7,837,000 | $126,000 | $300,000 | $44,000 | $183,000 |
| Credit History | 54 | $5,434,000 | $100,000 | $400,000 | $60,000 | $175,000 |
| Collateral | 41 | $5,698,000 | $138,000 | $410,000 | $73,000 | $211,000 |
| Other | 13 | $1,761,000 | $135,000 | $281,000 | $86,000 | $212,000 |
| Credit Application Incomplete | 7 | $995,000 | $142,000 | $170,000 | $84,000 | $126,000 |
| Unverifiable Information | 4 | $608,000 | $152,000 | $212,000 | $76,000 | $95,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $476,000 | $119,000 | $182,000 | $41,000 | $83,000 |
| Employment History | 1 | $148,000 | $148,000 | $148,000 | $66,000 | $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.
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