Caledonia County, VT Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 1,404 mortgage applications in Caledonia County, VT totaling $233.2 million, up 49% from 2019. The average application was for $166,000, and applicants reported an average income of $105,000. 56% of applications resulted in an originated loan and 15% were denied. The most active lender was Union Bank, with 225 applications, followed by Northcountry Federal Credit Union and Passumpsic 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 | 1,404 |
| Total Mortgage Loan Application Amount | $233,190,000 |
| Average Mortgage Loan Application Amount | $166,000 |
| Highest Mortgage Loan Application Amount | $1,085,000 |
| Average Applicant Income | $105,000 |
| Highest Applicant Income | $1,008,000 |
* 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 |
* | $ 872,287,000 | 225 | $ 35,425,000 |
| Northcountry Federal Credit Union PO BOX 64709 BURLINGTON, VT 05406 |
* | $ 656,233,000 | 204 | $ 28,640,000 |
| Passumpsic Bank 25 MR ARTHUR DRIVE CHESTERFIELD, NH 03466 |
* | $ -1,000 | 154 | $ 26,200,000 |
| Vermont State Employees ONE BAILEY AVENUE MONTPELIER, VT 05602 |
* | $ 842,398,000 | 126 | $ 16,930,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 77 | $ 14,025,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 37 | $ 6,565,000 |
| Eastrise Federal Credit Union 141 HARVEST LANE WILLISTON, VT 05495 |
* | $ 1,415,180,000 | 37 | $ 6,555,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 11,209,976,000 | 24 | $ 2,460,000 |
| Mascoma Bank 243 SYKES MOUNTAIN AVE BOX 4399 LEBANON, NH 03766 |
* | $ -1,000 | 19 | $ 7,045,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 18 | $ 2,930,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 17 | $ 3,595,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 16 | $ 2,750,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 16 | $ 2,610,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 14 | $ 2,790,000 |
| Northfield Savings Bank 1021 PAINE TURNPIKE NORTH BERLIN, VT 05602 |
* | $ 1,059,033,000 | 14 | $ 2,480,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 320,471,996,000 | 14 | $ 2,020,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 14 | $ 2,730,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 13 | $ 2,425,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 11 | $ 1,975,000 |
| Vermont Federal Credit Union 275 KENNEDY DR SOUTH BURLINGTON, VT 05407 |
* | $ 588,040,000 | 10 | $ 1,410,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 9 | $ 1,595,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 9 | $ 1,475,000 |
| Bank of New Hampshire 62 PLEASANT ST LACONIA, NH 03246 |
* | $ 1,755,545,000 | 8 | $ 1,160,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 8 | $ 1,180,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 8 | $ 620,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 7 | $ 1,315,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 7 | $ 415,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 7 | $ 1,765,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 6 | $ 900,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 6 | $ 1,230,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 6 | $ 1,050,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 6 | $ 840,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ -1,000 | 5 | $ 1,275,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 5 | $ 855,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 5 | $ 485,000 |
| Bar Harbor Bank & Trust 82 MAIN STREET BAR HARBOR, ME 04609 |
* | $ 3,665,517,000 | 4 | $ 620,000 |
| People's United Bank 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 58,343,490,000 | 4 | $ 880,000 |
| Leader Bank NA 141 MASSACHUSETTS AVENUE ARLINGTON, MA 02474 |
* | $ 1,583,299,000 | 4 | $ 1,140,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 4 | $ 610,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 2,186,056,000 | 3 | $ 655,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 3 | $ 295,000 |
| First Home Bank 9190 SEMINOLE BLVD SEMINOLE, FL 33772 |
* | $ 531,151,000 | 3 | $ 645,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 70,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 84,670,854,000 | 2 | $ 300,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 41,950,721,000 | 2 | $ 330,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 2 | $ 520,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 2 | $ 360,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 2 | $ 600,000 |
| Harborone Mortgage, LLC 1045 ELM ST SUITE 601 MANCHESTER, NH 03101 |
* | $ -1,000 | 2 | $ 470,000 |
| Northway Bank CAMDEN, ME 04856 |
* | $ 912,655,000 | 2 | $ 320,000 |
| Lighthouse Federal Credit Union 100 BORTHWICK AVE PORTSMOUTH, NH 03801 |
* | $ 1,544,752,000 | 2 | $ 400,000 |
| Bangor Savings Bank 19 MAINE AVENUE BANGOR, ME 04401 |
* | $ 4,733,474,000 | 2 | $ 330,000 |
| Draper and Kramer Mortgage Corp. 1431 OPUS PLACE SUITE 200 WILMINGTON, DE 60515 |
* | $ -1,000 | 2 | $ 250,000 |
| Sofi Lending Corp. 375 HEALDSBURG AVENUE, SUITE 280 SACRAMENTO, CA 95448 |
* | $ -1,000 | 2 | $ 410,000 |
| Gfa Federal Credit Union PO BOX 468 GARDNER, MA 01440 |
* | $ 542,746,000 | 2 | $ 170,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,065,955,000 | 2 | $ 230,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 143,390,269,000 | 2 | $ 190,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 2 | $ 520,000 |
| William Raveis Mortgage, LLC 7 TRAP FALLS ROAD SHELTON, CT 06484 |
* | $ -1,000 | 2 | $ 270,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 610,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 451,290,000 | 1 | $ 325,000 |
| Webster Bank, N.A. 145 BANK STREET STAMFORD, CT 06901 |
* | $ 30,412,303,000 | 1 | $ 145,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 145,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 2,142,154,000 | 1 | $ 505,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 95,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 1 | $ 55,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 6,166,684,000 | 1 | $ 515,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 2,380,296,000 | 1 | $ 255,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 1 | $ 205,000 |
| Service Federal Credit Union 3003 LAFAYETTE ROAD PORTSMOUTH, NH 03801 |
* | $ 3,815,483,000 | 1 | $ 135,000 |
| Triumph Bank 1780 MORIAH WOODS BLVD., SUITE 4 MEMPHIS, TN 38117 |
* | $ 837,096,000 | 1 | $ 495,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 1 | $ 165,000 |
| Residential Mortgage Services, Inc. 24 CHRISTOPHER TOPPI DRIVE SOUTH PORTLAND, ME 04106 |
* | $ -1,000 | 1 | $ 95,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 65,000 |
| Mortgage Network, Inc. 99 CONIFER HILL DR DANVERS, MA 01923 |
* | $ -1,000 | 1 | $ 155,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 65,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 1 | $ 275,000 |
| Msa Mortgage, LLC 5 FREMONT STREET WINTHROP, MA 02152 |
* | $ -1,000 | 1 | $ 465,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 1 | $ 225,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 83,036,000,000 | 1 | $ 585,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 1 | $ 215,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,503,779,000 | 1 | $ 205,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 346,188,000 | 1 | $ 15,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 75,000 |
| The Camden National Bank 2 ELM STREET CAMDEN, ME 04843 |
* | $ 4,410,250,000 | 1 | $ 375,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 23,234,514,000 | 1 | $ 165,000 |
| United Nations Federal CU 24-01 44TH ROAD 7TH FLOOR LONG ISLAND CITY, NY 11101 |
* | $ 5,980,675,000 | 1 | $ 215,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 1 | $ 255,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 465,000 |
| Cfbank NA 4960 E DUBLIN GRANVILLE RD SUITE 400 COLUMBUS, OH 43081 |
* | $ 879,238,000 | 1 | $ 295,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 175,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 137,588,093,000 | 1 | $ 1,085,000 |
| Blue Ridge Bank P.O. BOX 609, 17 WEST MAIN ST LURAY, VA 22835 |
* | $ 959,563,000 | 1 | $ 295,000 |
| Advancial Federal Credit Union 1845 WOODALL RODGERS FWY, SUITE 1300 DALLAS, TX 75231 |
* | $ 1,630,739,000 | 1 | $ 165,000 |
| Bank Ozk PO BOX 8811 LITTLE ROCK, AR 72231 |
* | $ 23,559,400,000 | 1 | $ 455,000 |
| Country Bank for Savings 75 MAIN ST WARE, MA 01082 |
* | $ 1,687,946,000 | 1 | $ 75,000 |
| Nrl Federal Credit Union 5440 CHEROKEE AVE SUITE 200 ALEXANDRIA, VA 22312 |
* | $ 454,592,000 | 1 | $ 45,000 |
| One Credit Union 380 RIVER STREET SPRINGFIELD, VT 05156 |
* | $ 175,041,000 | 1 | $ 55,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 18,156,981,000 | 1 | $ 225,000 |
| Navigant Credit Union 1005 DOUGLAS PIKE SMITHFIELD, RI 02917 |
* | $ 2,345,870,000 | 1 | $ 395,000 |
The tables below break down 2020 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 2020
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 | 584 | $106,790,000 | $182,000 | $1,085,000 | $106,000 | $875,000 |
| Refinancing | 415 | $69,485,000 | $167,000 | $1,085,000 | $112,000 | $789,000 |
| Cash-out Refinancing | 313 | $47,445,000 | $151,000 | $805,000 | $93,000 | $663,000 |
| Home Improvement | 45 | $3,365,000 | $74,000 | $705,000 | $89,000 | $264,000 |
| Other Purpose | 31 | $3,795,000 | $122,000 | $585,000 | $126,000 | $1,008,000 |
| Not Applicable | 16 | $2,310,000 | $144,000 | $395,000 | $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 | 972 | $161,390,000 | $166,000 | $1,085,000 | $103,000 | $875,000 |
| Not Provided | 348 | $59,380,000 | $170,000 | $1,085,000 | $111,000 | $1,008,000 |
| Not applicable | 49 | $7,585,000 | $154,000 | $395,000 | $57,000 | $90,000 |
| Hispanic | 13 | $1,455,000 | $111,000 | $245,000 | $75,000 | $128,000 |
| Asian | 8 | $1,490,000 | $186,000 | $435,000 | $152,000 | $420,000 |
| Black or African American | 7 | $1,075,000 | $153,000 | $375,000 | $81,000 | $185,000 |
| American Indian or Alaskan Native | 4 | $420,000 | $105,000 | $155,000 | $38,000 | $58,000 |
| 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) | 1,174 | $194,970,000 | $166,000 | $1,085,000 | $110,000 | $1,008,000 |
| FHA-insured (Federal Housing Administration) | 117 | $18,095,000 | $154,000 | $305,000 | $61,000 | $137,000 |
| VA-guaranteed (Veterans Administration) | 73 | $14,235,000 | $195,000 | $505,000 | $72,000 | $186,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 40 | $5,890,000 | $147,000 | $225,000 | $49,000 | $80,000 |
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 | 785 | $135,655,000 | $172,000 | $1,085,000 | $111,000 | $875,000 |
| Application Withdrawn By Applicant | 249 | $41,695,000 | $167,000 | $815,000 | $115,000 | $1,008,000 |
| Application Denied By Financial Institution | 211 | $29,245,000 | $138,000 | $455,000 | $73,000 | $466,000 |
| File Closed For Incompleteness | 65 | $11,215,000 | $172,000 | $815,000 | $91,000 | $500,000 |
| Loan Purchased By The Institution | 50 | $8,170,000 | $163,000 | $395,000 | $121,000 | $328,000 |
| Application Approved But Not Accepted | 43 | $7,085,000 | $164,000 | $1,085,000 | $98,000 | $375,000 |
| Preapproval Denied by Financial Institution | 1 | $125,000 | $125,000 | $125,000 | $34,000 | $34,000 |
| Preapproval Approved but not Accepted | 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 | 1,192 | $203,820,000 | $170,000 | $1,085,000 | $110,000 | $1,008,000 |
| Debt-To-Income Ratio | 76 | $11,370,000 | $149,000 | $455,000 | $53,000 | $195,000 |
| Credit History | 62 | $7,340,000 | $118,000 | $365,000 | $72,000 | $205,000 |
| Collateral | 36 | $4,820,000 | $133,000 | $415,000 | $105,000 | $419,000 |
| Credit Application Incomplete | 16 | $2,610,000 | $163,000 | $325,000 | $99,000 | $258,000 |
| Unverifiable Information | 9 | $1,285,000 | $142,000 | $275,000 | $63,000 | $106,000 |
| Other | 8 | $1,260,000 | $157,000 | $455,000 | $112,000 | $466,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $425,000 | $141,000 | $185,000 | $56,000 | $58,000 |
| Employment History | 2 | $260,000 | $130,000 | $155,000 | $44,000 | $65,000 |
| 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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