Caledonia County, VT Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 861 mortgage applications in Caledonia County, VT totaling $154.9 million, up 1% from 2023. The average application was for $179,000, and applicants reported an average income of $119,000. 56% of applications resulted in an originated loan and 18% were denied. The most active lender was Northcountry Federal Credit Union, with 162 applications, followed by Union Bank and Eastrise Federal Credit Union.
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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 | 861 |
| Total Mortgage Loan Application Amount | $154,865,000 |
| Average Mortgage Loan Application Amount | $179,000 |
| Highest Mortgage Loan Application Amount | $2,545,000 |
| Average Applicant Income | $119,000 |
| Highest Applicant Income | $1,740,000 |
* 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 |
|---|---|---|---|---|
| Northcountry Federal Credit Union PO BOX 64709 BURLINGTON, VT 05406 |
* | $ n/a | 162 | $ 20,020,000 |
| Union Bank 20 LOWER MAIN STREET PO BOX 667 MORRISVILLE, VT 05661 |
* | $ n/a | 98 | $ 21,620,000 |
| Eastrise Federal Credit Union 141 HARVEST LANE WILLISTON, VT 05495 |
* | $ n/a | 87 | $ 10,535,000 |
| Community National Bank 4811 US ROUTE 5 NEWPORT, VT 05855 |
* | $ n/a | 35 | $ 8,895,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 31 | $ 6,035,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ n/a | 27 | $ 3,295,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ n/a | 21 | $ 5,425,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 20 | $ 1,470,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ n/a | 19 | $ 3,055,000 |
| Vermont Federal Credit Union 275 KENNEDY DR SOUTH BURLINGTON, VT 05407 |
* | $ n/a | 18 | $ 2,660,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 17 | $ 2,165,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 17 | $ 4,625,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 16 | $ 3,780,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 14 | $ 2,180,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 13 | $ 2,195,000 |
| Northfield Savings Bank 1021 PAINE TURNPIKE NORTH BERLIN, VT 05602 |
* | $ n/a | 10 | $ 2,690,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 10 | $ 1,160,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 9 | $ 1,645,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ n/a | 9 | $ 2,595,000 |
| Passumpsic Bank 25 MR ARTHUR DRIVE CHESTERFIELD, NH 03466 |
* | $ n/a | 9 | $ 2,155,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 9 | $ 1,415,000 |
| Mascoma Bank 243 SYKES MOUNTAIN AVE BOX 4399 LEBANON, NH 03766 |
* | $ n/a | 8 | $ 1,540,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 8 | $ 470,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 8 | $ 1,700,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 7 | $ 1,585,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 7 | $ 1,955,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 6 | $ 800,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 6 | $ 1,170,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 5 | $ 1,135,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 5 | $ 1,325,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 5 | $ 1,125,000 |
| Service Federal Credit Union 3003 LAFAYETTE ROAD PORTSMOUTH, NH 03801 |
* | $ n/a | 5 | $ 405,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 5 | $ 1,305,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 4 | $ 610,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 4 | $ 760,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 4 | $ 1,040,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 4 | $ 840,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ n/a | 3 | $ 725,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 3 | $ 795,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 3 | $ 695,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ n/a | 3 | $ 675,000 |
| Green Mountain Credit Union 25 WINOOSKI FALLS WAY SUITE 203 WINOOSKI, VT 05404 |
* | $ n/a | 3 | $ 565,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 3 | $ 185,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 3 | $ 535,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 3 | $ 835,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 3 | $ 1,385,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 2 | $ 100,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 2 | $ 330,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 110,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 2 | $ 330,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 2 | $ 140,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 2 | $ 420,000 |
| Bar Harbor Bank & Trust 82 MAIN STREET BAR HARBOR, ME 04609 |
* | $ n/a | 2 | $ 1,290,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ n/a | 2 | $ 630,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ n/a | 2 | $ 320,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 225,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 335,000 |
| Peoples Trust Company of St. Albans 25 KINGMAN STREET, PO BOX 320 ST. ALBANS, VT 05478 |
* | $ n/a | 1 | $ 385,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ n/a | 1 | $ 675,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ n/a | 1 | $ 465,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 285,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 285,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 155,000 |
| Central One Federal Credit Union 714 MAIN ST SHREWSBURY, MA 01545 |
* | $ n/a | 1 | $ 25,000 |
| Absolute Home Mortgage 330 PASSAIC AVENUE FAIRFIELD, NJ 07004 |
* | $ n/a | 1 | $ 205,000 |
| Bellwether Community Credit Union 425 HOOKSETT RD MANCHESTER, NH 03104 |
* | $ n/a | 1 | $ 105,000 |
| Bangor Savings Bank 19 MAINE AVENUE BANGOR, ME 04401 |
* | $ n/a | 1 | $ 155,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 1 | $ 595,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ n/a | 1 | $ 765,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 1 | $ 235,000 |
| Webster First Federal Credit Union 271 GREENWOOD ST. WORCESTER, MA 01607 |
* | $ n/a | 1 | $ 245,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 185,000 |
| 802 Credit Union 265 SOUTH MAIN STREET BARRE, VT 05641 |
* | $ n/a | 1 | $ 115,000 |
| Granite Bank 202 2ND AVENUE SOUTH, P.O. BOX 416 COLD SPRING, MN 56320 |
* | $ n/a | 1 | $ 315,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 135,000 |
| Lighthouse Federal Credit Union 100 BORTHWICK AVE PORTSMOUTH, NH 03801 |
* | $ n/a | 1 | $ 145,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 195,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 1 | $ 275,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 205,000 |
| Harvard Federal Credit Union 104 MOUNT AUBURN STREET CAMBRIDGE, MA 02138 |
* | $ n/a | 1 | $ 45,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 1 | $ 305,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 1 | $ 95,000 |
The tables below break down 2024 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 2024
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 | 394 | $96,790,000 | $245,000 | $2,545,000 | $129,000 | $749,000 |
| Home Improvement | 143 | $11,365,000 | $79,000 | $325,000 | $95,000 | $419,000 |
| Other Purpose | 120 | $9,010,000 | $75,000 | $515,000 | $108,000 | $423,000 |
| Cash-out Refinancing | 119 | $20,785,000 | $174,000 | $635,000 | $134,000 | $1,740,000 |
| Refinancing | 85 | $16,915,000 | $199,000 | $765,000 | $112,000 | $311,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 688 | $117,830,000 | $171,000 | $815,000 | $115,000 | $1,740,000 |
| Not Provided | 100 | $19,270,000 | $192,000 | $855,000 | $136,000 | $885,000 |
| Not applicable | 33 | $10,145,000 | $307,000 | $2,545,000 | $130,000 | $164,000 |
| Hispanic | 20 | $4,230,000 | $211,000 | $585,000 | $140,000 | $722,000 |
| American Indian or Alaskan Native | 7 | $905,000 | $129,000 | $285,000 | $127,000 | $247,000 |
| Asian | 6 | $1,330,000 | $221,000 | $625,000 | $176,000 | $410,000 |
| Black or African American | 6 | $910,000 | $151,000 | $275,000 | $192,000 | $319,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $245,000 | $245,000 | $245,000 | $71,000 | $71,000 |
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) | 760 | $131,440,000 | $172,000 | $2,545,000 | $123,000 | $1,740,000 |
| FHA-insured (Federal Housing Administration) | 59 | $12,075,000 | $204,000 | $475,000 | $78,000 | $200,000 |
| VA-guaranteed (Veterans Administration) | 37 | $10,385,000 | $280,000 | $605,000 | $109,000 | $209,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $965,000 | $193,000 | $285,000 | $75,000 | $92,000 |
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 | 481 | $88,685,000 | $184,000 | $2,545,000 | $126,000 | $885,000 |
| Application Denied By Financial Institution | 157 | $20,795,000 | $132,000 | $605,000 | $96,000 | $876,000 |
| Application Withdrawn By Applicant | 122 | $25,670,000 | $210,000 | $705,000 | $142,000 | $1,740,000 |
| Loan Purchased By The Institution | 46 | $11,660,000 | $253,000 | $575,000 | $84,000 | $164,000 |
| File Closed For Incompleteness | 39 | $5,065,000 | $129,000 | $325,000 | $92,000 | $250,000 |
| Application Approved But Not Accepted | 13 | $2,025,000 | $155,000 | $325,000 | $93,000 | $232,000 |
| Preapproval Approved but not Accepted | 3 | $965,000 | $321,000 | $495,000 | $112,000 | $149,000 |
| 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 | 701 | $133,505,000 | $190,000 | $2,545,000 | $125,000 | $1,740,000 |
| Debt-To-Income Ratio | 46 | $8,120,000 | $176,000 | $605,000 | $71,000 | $222,000 |
| Credit History | 40 | $3,670,000 | $91,000 | $305,000 | $115,000 | $876,000 |
| Credit Application Incomplete | 26 | $3,010,000 | $115,000 | $405,000 | $101,000 | $243,000 |
| Collateral | 23 | $3,245,000 | $141,000 | $455,000 | $114,000 | $297,000 |
| Other | 9 | $985,000 | $109,000 | $195,000 | $80,000 | $217,000 |
| Unverifiable Information | 7 | $1,025,000 | $146,000 | $255,000 | $70,000 | $142,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,085,000 | $155,000 | $285,000 | $152,000 | $481,000 |
| Employment History | 2 | $220,000 | $110,000 | $165,000 | $21,000 | $39,000 |
| 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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