Chittenden County, VT Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 4,517 mortgage applications in Chittenden County, VT totaling $1.4 billion, up 4% from 2023. The average application was for $305,000, and applicants reported an average income of $168,000. 66% of applications resulted in an originated loan and 11% were denied. The most active lender was Eastrise Federal Credit Union, with 1,307 applications, followed by Vermont 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 | 4,517 |
| Total Mortgage Loan Application Amount | $1,378,455,000 |
| Average Mortgage Loan Application Amount | $305,000 |
| Highest Mortgage Loan Application Amount | $17,005,000 |
| Average Applicant Income | $168,000 |
| Highest Applicant Income | $4,863,000 |
* 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 |
|---|---|---|---|---|
| Eastrise Federal Credit Union 141 HARVEST LANE WILLISTON, VT 05495 |
* | $ n/a | 1,307 | $ 277,205,000 |
| Vermont Federal Credit Union 275 KENNEDY DR SOUTH BURLINGTON, VT 05407 |
* | $ n/a | 330 | $ 79,270,000 |
| Passumpsic Bank 25 MR ARTHUR DRIVE CHESTERFIELD, NH 03466 |
* | $ n/a | 214 | $ 87,970,000 |
| Northcountry Federal Credit Union PO BOX 64709 BURLINGTON, VT 05406 |
* | $ n/a | 196 | $ 35,030,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 170 | $ 33,120,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 163 | $ 72,115,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 154 | $ 56,280,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ n/a | 139 | $ 74,045,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ n/a | 136 | $ 34,350,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ n/a | 129 | $ 51,485,000 |
| Union Bank 20 LOWER MAIN STREET PO BOX 667 MORRISVILLE, VT 05661 |
* | $ n/a | 123 | $ 45,315,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 78 | $ 20,020,000 |
| Northfield Savings Bank 1021 PAINE TURNPIKE NORTH BERLIN, VT 05602 |
* | $ n/a | 75 | $ 40,045,000 |
| Mascoma Bank 243 SYKES MOUNTAIN AVE BOX 4399 LEBANON, NH 03766 |
* | $ n/a | 57 | $ 34,525,000 |
| Green Mountain Credit Union 25 WINOOSKI FALLS WAY SUITE 203 WINOOSKI, VT 05404 |
* | $ n/a | 55 | $ 13,095,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 53 | $ 13,925,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 52 | $ 5,010,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ n/a | 50 | $ 23,290,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ n/a | 48 | $ 10,290,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 46 | $ 20,360,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 44 | $ 17,750,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 40 | $ 19,800,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 39 | $ 9,265,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 37 | $ 15,875,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 33 | $ 5,845,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 32 | $ 5,830,000 |
| Amerant Mortgage LLC 226 N KENTUCKY AVE LAKELAND, FL, FL 33801 |
* | $ n/a | 30 | $ 12,480,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 30 | $ 11,200,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ n/a | 30 | $ 11,770,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 25 | $ 15,135,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 22 | $ 7,930,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 20 | $ 6,430,000 |
| Peoples Trust Company of St. Albans 25 KINGMAN STREET, PO BOX 320 ST. ALBANS, VT 05478 |
* | $ n/a | 18 | $ 5,740,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 18 | $ 6,750,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 17 | $ 1,155,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ n/a | 16 | $ 11,400,000 |
| National Bank of Middlebury 30 MAIN STREET MIDDLEBURY, VT 05753 |
* | $ n/a | 15 | $ 7,235,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 15 | $ 6,675,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 14 | $ 5,660,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 14 | $ 7,460,000 |
| Community National Bank 4811 US ROUTE 5 NEWPORT, VT 05855 |
* | $ n/a | 14 | $ 22,560,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 14 | $ 5,700,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 11 | $ 1,635,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 11 | $ 1,805,000 |
| 802 Credit Union 265 SOUTH MAIN STREET BARRE, VT 05641 |
* | $ n/a | 11 | $ 1,215,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 11 | $ 3,145,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 10 | $ 4,190,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 9 | $ 2,945,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 9 | $ 875,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 8 | $ 2,700,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ n/a | 8 | $ 400,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 8 | $ 3,720,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 7 | $ 2,495,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 7 | $ 2,375,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 7 | $ 4,395,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 6 | $ 550,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 6 | $ 1,430,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 6 | $ 2,130,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 5 | $ 1,695,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ n/a | 5 | $ 3,695,000 |
| One Credit Union 380 RIVER STREET SPRINGFIELD, VT 05156 |
* | $ n/a | 5 | $ 205,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 5 | $ 455,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ n/a | 4 | $ 1,220,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ n/a | 4 | $ 1,000,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 4 | $ 800,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 4 | $ 1,980,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 4 | $ 1,310,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 4 | $ 940,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ n/a | 3 | $ 1,515,000 |
| Service Federal Credit Union 3003 LAFAYETTE ROAD PORTSMOUTH, NH 03801 |
* | $ n/a | 3 | $ 1,195,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 3 | $ 1,075,000 |
| Dominion Financial Services, LLC 1029 N CALVERT ST BALTIMORE, MD 21202 |
* | $ n/a | 3 | $ 945,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 3 | $ 1,125,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 3 | $ 1,855,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ n/a | 3 | $ 885,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 2 | $ 540,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 700,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ n/a | 2 | $ 750,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ n/a | 2 | $ 1,420,000 |
| Raymond James Bank 710 CARILLON PARKWAY SAINT PETERSBURG, FL 33716 |
* | $ n/a | 2 | $ 970,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 2 | $ 800,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ n/a | 2 | $ 790,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ n/a | 2 | $ 1,370,000 |
| Bank of Canton 490 TURNPIKE STREET CANTON, MA 02021 |
* | $ n/a | 2 | $ 970,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ n/a | 2 | $ 450,000 |
| The Northern Trust Co 50 S. LA SALLE CHICAGO, IL 60603 |
* | $ n/a | 2 | $ 5,410,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 2 | $ 1,170,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 2 | $ 500,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 2 | $ 880,000 |
| Hanscom Federal Credit Union 1610 EGLIN ST HANSCOM AFB, MA 01731 |
* | $ n/a | 2 | $ 570,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 2 | $ 770,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 2 | $ 420,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 2 | $ 470,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ n/a | 2 | $ 840,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 2 | $ 630,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 2 | $ 950,000 |
| Norwich Commercial Group Inc 38 SECURITY DRIVE AVON, CT 06001 |
* | $ n/a | 2 | $ 1,260,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 2 | $ 650,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 2 | $ 700,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ n/a | 2 | $ 580,000 |
| Westerly Community Credit Union 4979 TOWER HILL RD WAKEFIELD, RI 02879 |
* | $ n/a | 1 | $ 105,000 |
| Citadel Servicing Corporation 15707 ROCKFIELD BLVD STE 320 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 355,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ n/a | 1 | $ 805,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 345,000 |
| Lighthouse Federal Credit Union 100 BORTHWICK AVE PORTSMOUTH, NH 03801 |
* | $ n/a | 1 | $ 55,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 475,000 |
| Harvard Federal Credit Union 104 MOUNT AUBURN STREET CAMBRIDGE, MA 02138 |
* | $ n/a | 1 | $ 205,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 185,000 |
| Peoplesbank 330 WHITNEY AVENUE HOLYOKE, MA 01040 |
* | $ n/a | 1 | $ 815,000 |
| Bangor Savings Bank 19 MAINE AVENUE BANGOR, ME 04401 |
* | $ n/a | 1 | $ 565,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ n/a | 1 | $ 755,000 |
| Southstate Bank, National Association 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ n/a | 1 | $ 595,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 255,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ n/a | 1 | $ 45,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 1 | $ 365,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ n/a | 1 | $ 375,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 285,000 |
| Quad City Bank and Trust 4500 NORTH BRADY STREET DAVENPORT, IA 52806 |
* | $ n/a | 1 | $ 545,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 185,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ n/a | 1 | $ 265,000 |
| Cornerstone National Bank & Trust Company 1 WEST NORTHWEST HIGHWAY PALATINE, IL 60067 |
* | $ n/a | 1 | $ 555,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ n/a | 1 | $ 1,245,000 |
| Bar Harbor Bank & Trust 82 MAIN STREET BAR HARBOR, ME 04609 |
* | $ n/a | 1 | $ 255,000 |
| Lendsure Mortgage Corp. 16959 BERNARDO CENTER DR, #102 SAN DIEGO, CA 92128 |
* | $ n/a | 1 | $ 485,000 |
| Bankesb 36 MAIN STREET EASTHAMPTON, MA 01027 |
* | $ n/a | 1 | $ 505,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ n/a | 1 | $ 285,000 |
| Leader Bank NA 141 MASSACHUSETTS AVENUE ARLINGTON, MA 02474 |
* | $ n/a | 1 | $ 765,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ n/a | 1 | $ 245,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 525,000 |
| Webster Bank, N.A. 145 BANK STREET STAMFORD, CT 06901 |
* | $ n/a | 1 | $ 1,505,000 |
| Amerant Bank, N.A. 220 ALHAMBRA CIRCLE MIAMI, FL 33134 |
* | $ n/a | 1 | $ 185,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 1 | $ 125,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ n/a | 1 | $ 285,000 |
| Bank of Ann Arbor 1333 W ANN ARBOR ROAD ANN ARBOR, MI 48104 |
* | $ n/a | 1 | $ 605,000 |
| Wsfs Bank 500 DELAWARE AVENUE WILMINGTON, DE 19801 |
* | $ n/a | 1 | $ 555,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 1 | $ 55,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 1 | $ 405,000 |
The tables below break down 2024 mortgage applications in Chittenden 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 Chittenden 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 | 2,164 | $932,920,000 | $431,000 | $17,005,000 | $183,000 | $4,863,000 |
| Home Improvement | 843 | $113,575,000 | $134,000 | $13,005,000 | $160,000 | $3,484,000 |
| Refinancing | 651 | $163,215,000 | $250,000 | $9,515,000 | $168,000 | $2,616,000 |
| Other Purpose | 471 | $61,155,000 | $129,000 | $3,055,000 | $156,000 | $2,605,000 |
| Cash-out Refinancing | 387 | $107,475,000 | $277,000 | $1,885,000 | $123,000 | $629,000 |
| Not Applicable | 1 | $115,000 | $115,000 | $115,000 | $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 | 3,322 | $876,220,000 | $263,000 | $7,105,000 | $166,000 | $3,484,000 |
| Not Provided | 627 | $182,085,000 | $290,000 | $1,355,000 | $187,000 | $4,863,000 |
| Not applicable | 203 | $215,875,000 | $1,063,000 | $17,005,000 | $260,000 | $1,296,000 |
| Asian | 184 | $58,950,000 | $320,000 | $2,105,000 | $155,000 | $1,100,000 |
| Hispanic | 108 | $26,670,000 | $246,000 | $725,000 | $168,000 | $2,616,000 |
| Black or African American | 49 | $14,095,000 | $287,000 | $985,000 | $112,000 | $530,000 |
| American Indian or Alaskan Native | 22 | $4,270,000 | $194,000 | $1,005,000 | $113,000 | $295,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $290,000 | $145,000 | $245,000 | $159,000 | $159,000 |
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) | 4,208 | $1,258,840,000 | $299,000 | $17,005,000 | $171,000 | $4,863,000 |
| FHA-insured (Federal Housing Administration) | 149 | $49,655,000 | $333,000 | $625,000 | $115,000 | $779,000 |
| VA-guaranteed (Veterans Administration) | 149 | $68,845,000 | $462,000 | $1,235,000 | $142,000 | $384,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,115,000 | $101,000 | $395,000 | $106,000 | $128,000 |
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 | 2,988 | $974,210,000 | $326,000 | $17,005,000 | $173,000 | $4,863,000 |
| Application Withdrawn By Applicant | 563 | $165,295,000 | $293,000 | $3,805,000 | $182,000 | $3,484,000 |
| Application Denied By Financial Institution | 510 | $107,060,000 | $209,000 | $1,505,000 | $128,000 | $2,870,000 |
| Loan Purchased By The Institution | 178 | $64,850,000 | $364,000 | $1,495,000 | $124,000 | $1,296,000 |
| File Closed For Incompleteness | 171 | $39,585,000 | $231,000 | $1,495,000 | $185,000 | $3,030,000 |
| Application Approved But Not Accepted | 84 | $21,430,000 | $255,000 | $1,235,000 | $182,000 | $1,339,000 |
| Preapproval Denied by Financial Institution | 19 | $4,065,000 | $213,000 | $435,000 | $120,000 | $612,000 |
| Preapproval Approved but not Accepted | 4 | $1,960,000 | $490,000 | $605,000 | $187,000 | $363,000 |
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 | 3,961 | $1,260,335,000 | $318,000 | $17,005,000 | $174,000 | $4,863,000 |
| Debt-To-Income Ratio | 281 | $62,645,000 | $222,000 | $1,285,000 | $83,000 | $612,000 |
| Credit History | 86 | $12,880,000 | $149,000 | $1,105,000 | $120,000 | $496,000 |
| Collateral | 72 | $17,200,000 | $238,000 | $1,505,000 | $199,000 | $1,286,000 |
| Credit Application Incomplete | 57 | $9,675,000 | $169,000 | $525,000 | $128,000 | $1,590,000 |
| Other | 34 | $8,550,000 | $251,000 | $1,025,000 | $349,000 | $2,870,000 |
| Unverifiable Information | 13 | $3,055,000 | $235,000 | $525,000 | $172,000 | $336,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $3,225,000 | $358,000 | $545,000 | $140,000 | $209,000 |
| Employment History | 4 | $890,000 | $222,000 | $525,000 | $74,000 | $196,000 |
| 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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