Essex County VT
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Unlock detailed Essex County VT mortgage statistics and HMDA loan application data from 2003 to 2023.
Analyze total mortgage applications, loan amounts, and key lending trends across the area.
Our interactive tools let you explore mortgage data by location and lender offering insights into housing market
activity and lending patterns in this area and throughout the US.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Vermont.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| Years | 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 | 235 |
| Total Mortgage Loan Application Amount | $24,881,000 |
| Average Mortgage Loan Application Amount | $105,000 |
| Highest Mortgage Loan Application Amount | $635,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $310,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| NORTHEAST HOME LOAN, LLC 25 MR ARTHUR DRIVE ST JOHNSBURY, VT 03466 |
* | $ 306,000,000 | 45 | $ 5,406,000 |
| UNION BANK 20 LOWER MAIN STREET PO BOX 667 MORRISVILLE, VT 05661 |
* | $ 551,849,000 | 28 | $ 2,873,000 |
| COMMUNITY NATIONAL BANK 4811 US ROUTE 5 DERBY, VT 05855 |
* | $ 552,102,000 | 23 | $ 2,508,000 |
| NORTH COUNTRY PO BOX 64709 SOUTH BURLINGTON, VT 05406 |
* | $ 350,250,000 | 14 | $ 785,000 |
| CITIZENS BANK, NATIONAL ASSOCIATION ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 106,940,591,000 | 14 | $ 630,000 |
| GRANITE BANK 132 MAIN STREET COLEBROOK, NH 03576 |
* | $ 238,740,000 | 11 | $ 1,056,000 |
| WELLS FARGO BANK, NATIONAL ASSOCIATION 100 N MAIN STREET MAC D4001-042 SIOUX FALLS, SD 27150 |
* | $ 1,161,490,000,000 | 9 | $ 919,000 |
| TD BANK, NATIONAL ASSOCIATION 2035 LIMESTONE ROAD WILMINGTON, DE 19808 |
* | $ 188,912,554,000 | 8 | $ 618,000 |
| MERCHANTS BANK PO BOX 1009 BURLINGTON, VT 05402 |
* | $ 1,615,145,000 | 6 | $ 598,000 |
| CITIBANK, NATIONAL ASSOCIATION 1 COURT SQUARE,43RD FLOOR SIOUX FALLS, SD 11120 |
* | $ 1,288,658,000,000 | 5 | $ 451,000 |
| BANK OF AMERICA, NATIONAL ASSOCIATION 31303 AGOURA RD CA6-917-01-20 CHARLOTTE, NC 91361 |
* | $ 1,459,157,302,000 | 5 | $ 572,000 |
| PHH MORTGAGE CORPORATION 1 MORTGAGE WAY MOUNT LAUREL, NJ 08054 |
* | $ 31,000,000 | 5 | $ 818,000 |
| AMERISAVE MORTGAGE CORPORATION 3525 PIEDMONT RD NE, 8 PIEDMONT CTR STE PEACHTREE CORNER, GA 30305 |
* | $ 8,994,122,000 | 4 | $ 403,000 |
| USAA FEDERAL SAVINGS BANK 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 4 | $ 519,000 |
| ALLY BANK 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 4 | $ 388,000 |
| BANK OF NEW HAMPSHIRE 62 PLEASANT ST LACONIA, NH 03246 |
* | $ 1,107,327,000 | 3 | $ 359,000 |
| VERMONT STATE EMPLOYEES ONE BAILEY AVENUE MONTPELIER, VT 05602 |
* | $ 573,357,000 | 3 | $ 189,000 |
| CITIMORTGAGE, INC. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 166,000 |
| FLAGSTAR BANK, N.A. 5151 CORPORATE DRIVE HICKSVILLE, NY 48098 |
* | $ 13,623,469,000 | 2 | $ 251,000 |
| U.S. BANK NATIONAL ASSOCIATION 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 2 | $ 219,000 |
| PEOPLE'S UNITED BANK 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 27,319,304,000 | 2 | $ 216,000 |
| HOME LOAN CENTER, INC. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 395,000 |
| GUARANTEED RATE, INC. 3940 NORTH RAVENSWOOD AVE WILMINGTON, DE 60613 |
* | $ 10,000,000 | 1 | $ 53,000 |
| UNITED WHOLESALE MORTGAGE, LLC 1414 EAST MAPLE ROAD PLYMOUTH, MI 48083 |
* | $ 10,000,000 | 1 | $ 125,000 |
| AMERICAN INTERNET MORTGAGE, INC. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 122,000 |
| NATIONWIDE ADVANTAGE MORTGAGE 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 202,000 |
| OWNERSCHOICE FUNDING, INCORPORATED 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12205 |
* | $ 10,000,000 | 1 | $ 52,000 |
| NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. WILMINGTON, DE 75019 |
* | $ 10,000,000 | 1 | $ 98,000 |
| MORTGAGE MASTER, INC. 102 ELM STREET WALPOLE, MA 02081 |
* | $ 11,250,346,000 | 1 | $ 71,000 |
| PLAZA HOME MORTGAGE, INC. 4820 EASTGATE MALL, STE 100 SACRAMENTO, CA 92121 |
* | $ 10,000,000 | 1 | $ 131,000 |
| ING BANK, FSB / CAPITAL ONE 11130 INDUSTRIPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 92,212,498,000 | 1 | $ 141,000 |
| CIT BANK, NATIONAL ASSOCIATION 75 N. FAIR OAKS AVE. PASADENA, CA 91103 |
* | $ 26,181,267,000 | 1 | $ 150,000 |
| SANTANDER BANK, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 78,146,882,000 | 1 | $ 120,000 |
| JPMORGAN CHASE BANK, NATIONAL ASSOCIATION 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 1 | $ 53,000 |
| PNC BANK, NATIONAL ASSOCIATION 249 FIFTH AVE. MS P1-POPP-22-2 WILMINGTON, DE 15222 |
* | $ 263,309,559,000 | 1 | $ 164,000 |
| TRUIST BANK 3100 SMOKETREE CT FL 5 CHARLOTTE, NC 27604 |
* | $ 168,867,640,000 | 1 | $ 119,000 |
| GRANITE STATE CREDIT UNION 1415 ELM STREET MANCHESTER, NH 03101 |
* | $ 289,948,000 | 1 | $ 127,000 |
| THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 1,726,940,000 | 1 | $ 130,000 |
| INLAND HOME MORTGAGE COMPANY 2225 S WOLF ROAD HILLSIDE, IL 60162 |
* | $ 1,135,000,000 | 1 | $ 202,000 |
| MIDFIRST BANK 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 1 | $ 109,000 |
| FIRST PLACE BANK 185 EAST MARKET WARREN, OH 44481 |
* | $ 2,716,563,000 | 1 | $ 85,000 |
| HOME TOWN FUNDING, INC. 63 A MONROE AVENUE CANANDAIGUA, NY 14534 |
* | $ 1,540,588,000 | 1 | $ 130,000 |
| EVOLVE BANK & TRUST 301 SHOPPING WAY BLVD WEST MEMPHIS, AR 72301 |
* | $ 247,163,000 | 1 | $ 80,000 |
| ARDENT FEDERAL CREDIT UNION 1500 SPRING GARDEN ST. SUITE 500 PHILADELPHIA, PA 19130 |
* | $ 535,462,000 | 1 | $ 80,000 |
| DIME BANK 290 SALEM TPKE NORWICH, CT 06360 |
* | $ 707,405,000 | 1 | $ 99,000 |
| MERRIMACK MORTGAGE COMPANY, IN 1045 ELM STREET, SUITE 601 MANCHESTER, NH 03101 |
* | $ 10,000,000 | 1 | $ 83,000 |
| FINANCE OF AMERICA REVERSE LLC 8023 EAST 63RD PLACE, SUITE 700 WILMINGTON, DE 74133 |
* | $ 3,125,000 | 1 | $ 99,000 |
| CONTINENTAL HOME LOANS INC. 175 PINELAWN ROAD, SUITE 303 MELVILLE, NY 11747 |
* | $ 14,386,000 | 1 | $ 70,000 |
| HOME POINT FINANCIAL CORPORATION 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 1 | $ 154,000 |
| FREEDOM MORTGAGE CORPORATION 10500 KINCAID DRIVE MT LAUREL, NJ 46037 |
* | $ 10,000,000 | 1 | $ 170,000 |
| NORTHFIELD SAVINGS BANK 1021 PAINE TURNPIKE NORTH NORTHFIELD, VT 05602 |
* | $ 685,763,000 | 1 | $ 635,000 |
The HMDA mortgage data below offers a comprehensive breakdown of loan application trends for 2012, covering key categories like loan purpose, applicant race, loan type, approval outcomes, and denial reasons. Each dataset details the total number of applications and the total loan amounts, helping you analyze lending activity with precision.
Easily search and sort data by metrics such as average mortgage amount, highest loan value, average applicant income, and top income levels within each category. Whether you're researching market trends, borrower demographics, or specific mortgage types, these insights provide a valuable snapshot of lending patterns, helping you make more informed decisions in the mortgage and real estate industries.
Mortgage Loan Application Detail Totals for Essex County VT in 2012
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 | 160 | $18,757,000 | $117,000 | $635,000 | $72,000 | $310,000 |
| Home Purchase | 41 | $4,491,000 | $109,000 | $250,000 | $71,000 | $282,000 |
| Home Improvement | 34 | $1,633,000 | $48,000 | $208,000 | $50,000 | $267,000 |
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 | 203 | $21,510,000 | $105,000 | $635,000 | $69,000 | $310,000 |
| Not Provided | 21 | $2,227,000 | $106,000 | $320,000 | $73,000 | $210,000 |
| Not applicable | 9 | $910,000 | $101,000 | $132,000 | $42,000 | $130,000 |
| Black or African American | 1 | $94,000 | $94,000 | $94,000 | $41,000 | $41,000 |
| Hispanic | 1 | $140,000 | $140,000 | $140,000 | $117,000 | $117,000 |
| 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) | 209 | $22,165,000 | $106,000 | $635,000 | $73,000 | $310,000 |
| FHA-insured (Federal Housing Administration) | 16 | $1,714,000 | $107,000 | $254,000 | $29,000 | $60,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $462,000 | $92,000 | $138,000 | $34,000 | $59,000 |
| VA-guaranteed (Veterans Administration) | 5 | $540,000 | $108,000 | $142,000 | $44,000 | $67,000 |
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 | 135 | $13,895,000 | $102,000 | $254,000 | $73,000 | $310,000 |
| Application Denied By Financial Institution | 54 | $5,529,000 | $102,000 | $635,000 | $58,000 | $267,000 |
| Application Withdrawn By Applicant | 18 | $1,979,000 | $109,000 | $404,000 | $61,000 | $173,000 |
| Loan Purchased By The Institution | 16 | $1,693,000 | $105,000 | $202,000 | $58,000 | $135,000 |
| File Closed For Incompleteness | 6 | $847,000 | $141,000 | $320,000 | $65,000 | $180,000 |
| Application Approved But Not Accepted | 6 | $938,000 | $156,000 | $232,000 | $106,000 | $199,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 22 | $1,213,000 | $55,000 | $171,000 | $54,000 | $267,000 |
| Debt-To-Income Ratio | 8 | $1,154,000 | $144,000 | $290,000 | $53,000 | $109,000 |
| Collateral | 8 | $902,000 | $112,000 | $251,000 | $59,000 | $177,000 |
| Credit Application Incomplete | 2 | $217,000 | $108,000 | $142,000 | $50,000 | $59,000 |
| Other | 1 | $140,000 | $140,000 | $140,000 | $117,000 | $117,000 |
| Unverifiable Information | 1 | $55,000 | $55,000 | $55,000 | $38,000 | $38,000 |
| Employment History | 1 | $104,000 | $104,000 | $104,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights for industry professionals, researchers, and analysts looking to understand lending trends in the area. With detailed data on mortgage applications, loan amounts, applicant income, loan purposes, and approval rates, you can uncover key patterns shaping the local housing market.
Whether you're a real estate expert, financial analyst, or policymaker, these in-depth mortgage lending statistics help you track market shifts, assess borrower demographics, and evaluate lender performance. Use this powerful data to make informed decisions, conduct market research, and stay ahead in the evolving mortgage industry.