Essex County, VT Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 247 mortgage applications in Essex County, VT totaling $31.8 million, down 1% from 2010. The average application was for $128,000, and applicants reported an average income of $68,000. 53% of applications resulted in an originated loan and 18% were denied. The most active lender was Passumpsic Bank, with 45 applications, followed by Community National Bank and Union 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 | 247 |
| Total Mortgage Loan Application Amount | $31,751,000 |
| Average Mortgage Loan Application Amount | $128,000 |
| Highest Mortgage Loan Application Amount | $585,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $535,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Passumpsic Bank 25 MR ARTHUR DRIVE CHESTERFIELD, NH 03466 |
* | $ 306,000,000 | 45 | $ 6,403,000 |
| Community National Bank 4811 US ROUTE 5 NEWPORT, VT 05855 |
* | $ 545,104,000 | 28 | $ 3,730,000 |
| Union Bank 20 LOWER MAIN STREET PO BOX 667 MORRISVILLE, VT 05661 |
* | $ 453,245,000 | 22 | $ 1,882,000 |
| Granite Bank 132 MAIN STREET COLEBROOK, NH 03576 |
* | $ 224,651,000 | 15 | $ 595,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 14 | $ 2,348,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 10 | $ 1,627,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 9 | $ 997,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 9 | $ 1,282,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 179,970,802,000 | 7 | $ 952,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 6 | $ 1,219,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 5 | $ 515,000 |
| Bank of New Hampshire 62 PLEASANT ST LACONIA, NH 03246 |
* | $ 1,060,643,000 | 4 | $ 523,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 548,000 |
| Northcountry Federal Credit Union PO BOX 64709 BURLINGTON, VT 05406 |
* | $ 297,520,000 | 4 | $ 174,000 |
| Vermont State Employees ONE BAILEY AVENUE MONTPELIER, VT 05602 |
* | $ 538,577,000 | 4 | $ 286,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 109,283,991,000 | 3 | $ 165,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 3 | $ 327,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 3 | $ 408,000 |
| People's United Bank 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 24,650,366,000 | 3 | $ 229,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 3 | $ 691,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 535,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 2 | $ 317,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 326,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 346,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 91,413,704,000 | 2 | $ 467,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 426,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 2 | $ 210,000 |
| Merchants Bank PO BOX 1009 BURLINGTON, VT 05402 |
* | $ 1,490,871,000 | 2 | $ 206,000 |
| Eastrise Federal Credit Union 141 HARVEST LANE WILLISTON, VT 05495 |
* | $ 797,220,000 | 2 | $ 228,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 189,478,000 | 1 | $ 46,000 |
| Lendus, LLC 3236 STONE VALLEY ROAD W ALAMO, CA 94507 |
* | $ 10,000,000 | 1 | $ 111,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 213,864,000 | 1 | $ 169,000 |
| First Choice Bank 669 WHITEHEAD ROAD LAWRENCEVILLE, NJ 08648 |
* | $ 448,171,000 | 1 | $ 149,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 457,501,000 | 1 | $ 90,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 1 | $ 91,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 120,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 1 | $ 152,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 1 | $ 71,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 1 | $ 102,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 116,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 155,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 88,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 151,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 1 | $ 117,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 25,000 |
| Sterling National Bank 98 CUTTERMILL ROAD GREAT NECK, NY 11021 |
* | $ 2,319,040,000 | 1 | $ 253,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 186,000 |
| E*Trade Bank 671 NORTH GLEBE ROAD, 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 44,883,561,000 | 1 | $ 200,000 |
The tables below break down 2011 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 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 | 164 | $24,081,000 | $146,000 | $585,000 | $72,000 | $535,000 |
| Home Purchase | 54 | $5,814,000 | $107,000 | $225,000 | $62,000 | $215,000 |
| Home Improvement | 29 | $1,856,000 | $64,000 | $200,000 | $51,000 | $104,000 |
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 | 213 | $26,599,000 | $124,000 | $479,000 | $71,000 | $535,000 |
| Not Provided | 22 | $3,306,000 | $150,000 | $280,000 | $60,000 | $186,000 |
| Not applicable | 10 | $1,678,000 | $167,000 | $585,000 | $8,000 | $81,000 |
| Black or African American | 1 | $56,000 | $56,000 | $56,000 | $35,000 | $35,000 |
| Hispanic | 1 | $112,000 | $112,000 | $112,000 | $79,000 | $79,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 216 | $27,414,000 | $126,000 | $479,000 | $71,000 | $535,000 |
| FHA-insured (Federal Housing Administration) | 19 | $2,993,000 | $157,000 | $585,000 | $56,000 | $150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $980,000 | $108,000 | $158,000 | $25,000 | $53,000 |
| VA-guaranteed (Veterans Administration) | 3 | $364,000 | $121,000 | $150,000 | $52,000 | $68,000 |
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 | 130 | $15,590,000 | $119,000 | $479,000 | $78,000 | $535,000 |
| Application Denied By Financial Institution | 44 | $6,121,000 | $139,000 | $405,000 | $62,000 | $166,000 |
| Application Withdrawn By Applicant | 24 | $2,603,000 | $108,000 | $230,000 | $71,000 | $162,000 |
| Loan Purchased By The Institution | 20 | $3,120,000 | $156,000 | $585,000 | $35,000 | $104,000 |
| File Closed For Incompleteness | 17 | $2,880,000 | $169,000 | $280,000 | $47,000 | $109,000 |
| Application Approved But Not Accepted | 12 | $1,437,000 | $119,000 | $257,000 | $59,000 | $141,000 |
| 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 | 13 | $1,729,000 | $133,000 | $405,000 | $54,000 | $112,000 |
| Credit History | 11 | $1,318,000 | $119,000 | $253,000 | $51,000 | $102,000 |
| Collateral | 6 | $857,000 | $142,000 | $265,000 | $90,000 | $165,000 |
| Other | 2 | $536,000 | $268,000 | $286,000 | $84,000 | $109,000 |
| Credit Application Incomplete | 1 | $64,000 | $64,000 | $64,000 | $77,000 | $77,000 |
| Employment History | 1 | $375,000 | $375,000 | $375,000 | $139,000 | $139,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $178,000 | $178,000 | $178,000 | $166,000 | $166,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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