Essex County, VT Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 279 mortgage applications in Essex County, VT totaling $30.2 million, down 32% from 2007. The average application was for $108,000, and applicants reported an average income of $64,000. 48% of applications resulted in an originated loan and 26% were denied. The most active lender was Community National Bank, with 33 applications, followed by Citifinancial, Inc. 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 | 279 |
| Total Mortgage Loan Application Amount | $30,217,000 |
| Average Mortgage Loan Application Amount | $108,000 |
| Highest Mortgage Loan Application Amount | $349,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $600,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Community National Bank 4811 US ROUTE 5 NEWPORT, VT 05855 |
* | $ 372,427,000 | 33 | $ 2,785,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 27 | $ 2,031,000 |
| Passumpsic Bank 25 MR ARTHUR DRIVE CHESTERFIELD, NH 03466 |
* | $ 306,000,000 | 27 | $ 3,157,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 21 | $ 2,464,000 |
| Union Bank 20 LOWER MAIN STREET PO BOX 667 MORRISVILLE, VT 05661 |
* | $ 392,661,000 | 16 | $ 783,000 |
| Universal Mortgage Corporation 12080 NORTH CORPORATE PKWY SUITE 100 MEQUON, WI 53092 |
* | $ 10,000,000 | 15 | $ 1,511,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 13 | $ 1,325,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 128,863,082,000 | 12 | $ 1,347,000 |
| Granite Bank 132 MAIN STREET COLEBROOK, NH 03576 |
* | $ 188,893,000 | 11 | $ 790,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 11 | $ 1,656,000 |
| TD Bank N.A. 70 GRAY ROAD FALMOUTH, ME 04105 |
* | $ 45,485,973,000 | 10 | $ 985,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 7 | $ 667,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 6 | $ 892,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 127,698,351,000 | 5 | $ 648,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 5 | $ 1,197,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 5 | $ 1,029,000 |
| Chittenden Trust Company 2 BURLINGTON SQUARE BURLINGTON, VT 05401 |
* | $ 3,418,539,000 | 3 | $ 541,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 3 | $ 449,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 142,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 343,735,670,000 | 2 | $ 229,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 2 | $ 157,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 286,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 2 | $ 16,000 |
| Bank of New Hampshire 62 PLEASANT ST LACONIA, NH 03246 |
* | $ 845,004,000 | 2 | $ 147,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 2 | $ 511,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 263,000 |
| Vermont State Employees ONE BAILEY AVENUE MONTPELIER, VT 05602 |
* | $ 365,879,000 | 2 | $ 110,000 |
| Bellwether Community Credit Union 425 HOOKSETT RD MANCHESTER, NH 03104 |
* | $ 283,947,000 | 1 | $ 172,000 |
| Granite State Credit Union 1415 ELM STREET MANCHESTER, NH 03101 |
* | $ 205,673,000 | 1 | $ 244,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 1 | $ 112,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 48,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 1 | $ 230,000 |
| Dime Bank 290 SALEM TPKE NORWICH, CT 06360 |
* | $ 659,326,000 | 1 | $ 90,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 1 | $ 138,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 275,851,000 | 1 | $ 146,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 1 | $ 97,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 1 | $ 192,000 |
| Mwabank 1701 1ST AVENUE ROCK ISLAND, IL 61201 |
* | $ 166,952,000 | 1 | $ 30,000 |
| Eastrise Federal Credit Union 141 HARVEST LANE WILLISTON, VT 05495 |
* | $ 560,870,000 | 1 | $ 14,000 |
| Northcountry Federal Credit Union PO BOX 64709 BURLINGTON, VT 05406 |
* | $ 192,020,000 | 1 | $ 30,000 |
| Vermont Federal Credit Union 275 KENNEDY DR SOUTH BURLINGTON, VT 05407 |
* | $ 188,548,000 | 1 | $ 17,000 |
| Dnb First, National Association 4 BRANDYWINE AVE DOWNINGTOWN, PA 19335 |
* | $ 545,529,000 | 1 | $ 225,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 1 | $ 162,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 1 | $ 120,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 1 | $ 160,000 |
| Merchants Bank PO BOX 1009 BURLINGTON, VT 05402 |
* | $ 1,175,342,000 | 1 | $ 100,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 178,000 |
The tables below break down 2008 mortgage applications in Essex 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 Essex County, VT in 2008
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 | 167 | $19,502,000 | $116,000 | $349,000 | $60,000 | $251,000 |
| Home Purchase | 68 | $8,327,000 | $122,000 | $300,000 | $82,000 | $600,000 |
| Home Improvement | 44 | $2,388,000 | $54,000 | $245,000 | $54,000 | $206,000 |
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 | 243 | $26,366,000 | $108,000 | $349,000 | $70,000 | $600,000 |
| Not Provided | 16 | $1,787,000 | $111,000 | $238,000 | $45,000 | $86,000 |
| Not applicable | 12 | $1,551,000 | $129,000 | $300,000 | $0 | $0 |
| Black or African American | 5 | $405,000 | $81,000 | $100,000 | $41,000 | $77,000 |
| American Indian or Alaskan Native | 3 | $108,000 | $36,000 | $85,000 | $25,000 | $32,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 246 | $25,985,000 | $105,000 | $300,000 | $66,000 | $600,000 |
| FHA-insured (Federal Housing Administration) | 28 | $3,638,000 | $129,000 | $349,000 | $56,000 | $240,000 |
| VA-guaranteed (Veterans Administration) | 5 | $594,000 | $118,000 | $207,000 | $40,000 | $80,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 135 | $14,373,000 | $106,000 | $300,000 | $73,000 | $600,000 |
| Application Denied By Financial Institution | 72 | $7,395,000 | $102,000 | $297,000 | $57,000 | $420,000 |
| Application Withdrawn By Applicant | 29 | $4,265,000 | $147,000 | $349,000 | $73,000 | $240,000 |
| Loan Purchased By The Institution | 21 | $2,409,000 | $114,000 | $227,000 | $24,000 | $113,000 |
| Application Approved But Not Accepted | 20 | $1,447,000 | $72,000 | $225,000 | $61,000 | $198,000 |
| File Closed For Incompleteness | 2 | $328,000 | $164,000 | $205,000 | $75,000 | $122,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 13 | $1,889,000 | $145,000 | $297,000 | $71,000 | $155,000 |
| Credit History | 13 | $1,039,000 | $79,000 | $238,000 | $87,000 | $420,000 |
| Debt-To-Income Ratio | 5 | $531,000 | $106,000 | $132,000 | $39,000 | $62,000 |
| Other | 2 | $271,000 | $135,000 | $159,000 | $55,000 | $82,000 |
| Unverifiable Information | 2 | $233,000 | $116,000 | $123,000 | $18,000 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $191,000 | $191,000 | $191,000 | $79,000 | $79,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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