Essex County VT
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
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 | 201 |
| Total Mortgage Loan Application Amount | $21,048,000 |
| Average Mortgage Loan Application Amount | $104,000 |
| Highest Mortgage Loan Application Amount | $504,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $378,000 |
| 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 DERBY, VT 05855 |
* | $ 586,090,000 | 31 | $ 3,193,000 |
| NORTHEAST HOME LOAN, LLC 25 MR ARTHUR DRIVE ST JOHNSBURY, VT 03466 |
* | $ 306,000,000 | 29 | $ 3,403,000 |
| UNION BANK 20 LOWER MAIN STREET PO BOX 667 MORRISVILLE, VT 05661 |
* | $ 622,949,000 | 22 | $ 2,107,000 |
| NORTH COUNTRY PO BOX 64709 SOUTH BURLINGTON, VT 05406 |
* | $ 454,735,000 | 19 | $ 1,602,000 |
| CITIZENS BANK, NATIONAL ASSOCIATION ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 102,971,333,000 | 9 | $ 245,000 |
| LOANDEPOT.COM, LLC 26642 TOWNE CENTRE DRIVE DOVER, DE 92610 |
* | $ 138,031,000 | 6 | $ 776,000 |
| NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. WILMINGTON, DE 75019 |
* | $ 10,000,000 | 6 | $ 922,000 |
| MERCHANTS BANK PO BOX 1009 BURLINGTON, VT 05402 |
* | $ 1,727,908,000 | 5 | $ 482,000 |
| VERMONT STATE EMPLOYEES ONE BAILEY AVENUE MONTPELIER, VT 05602 |
* | $ 654,687,000 | 5 | $ 382,000 |
| U.S. BANK NATIONAL ASSOCIATION 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 4 | $ 367,000 |
| GRANITE BANK 132 MAIN STREET COLEBROOK, NH 03576 |
* | $ 256,866,000 | 4 | $ 243,000 |
| TD BANK, NATIONAL ASSOCIATION 2035 LIMESTONE ROAD WILMINGTON, DE 19808 |
* | $ 230,280,000,000 | 3 | $ 365,000 |
| MORTGAGE RESEARCH CENTER, LLC 1400 VETERANS UNITED DR. SAINT LOUIS, MO 65203 |
* | $ 880,000,000 | 3 | $ 394,000 |
| WELLS FARGO BANK, NATIONAL ASSOCIATION 100 N MAIN STREET MAC D4001-042 SIOUX FALLS, SD 27150 |
* | $ 1,532,784,000,000 | 3 | $ 246,000 |
| NAVY FEDERAL CREDIT UNION 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 2 | $ 75,000 |
| THE FEDERAL SAVINGS BANK 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60607 |
* | $ 216,602,000 | 2 | $ 343,000 |
| DITECH FINANCIAL LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 2 | $ 189,000 |
| 21ST MORTGAGE CORPORATION 620 MARKET ST SUITE 100 WILMINGTON, DE 37902 |
* | $ 10,000,000 | 2 | $ 170,000 |
| EAGLEBANK 11931 TECH RD SILVER SPRING, MD 20904 |
* | $ 5,230,016,000 | 2 | $ 345,000 |
| PRIMELENDING, A PLAINSCAPITAL COMPANY 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 1 | $ 128,000 |
| LENDUS, LLC 3236 STONE VALLEY ROAD W ALAMO, CA 94507 |
* | $ 10,000,000 | 1 | $ 68,000 |
| ONE CREDIT UNION 380 RIVER STREET SPRINGFIELD, VT 05156 |
* | $ 132,333,000 | 1 | $ 98,000 |
| WATERSTONE MORTGAGE CORPORATION N25 W23255 PAUL ROAD PEWAUKEE, WI 53072 |
* | $ 1,603,436,000 | 1 | $ 81,000 |
| HOMEWARD RESIDENTIAL, INC. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 147,000 |
| NATIONS LENDING CORPORATION 4 SUMMIT PARK DR STE 200 COLUMBUS, OH 44131 |
* | $ 4,410,000 | 1 | $ 198,000 |
| HOMEBRIDGE FINANCIAL SERVICES, INC. 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 148,000 |
| NEW ENGLAND 141 HARVEST LANE WILLISTON, VT 05495 |
* | $ 1,053,456,000 | 1 | $ 75,000 |
| PEOPLES BANK 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 447,877,000 | 1 | $ 100,000 |
| NORTHFIELD SAVINGS BANK 1021 PAINE TURNPIKE NORTH NORTHFIELD, VT 05602 |
* | $ 795,014,000 | 1 | $ 100,000 |
| THE MONEY SOURCE INC. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 162,000 |
| 1ST ALLIANCE LENDING, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 86,000 |
| HOME POINT FINANCIAL CORPORATION 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 1 | $ 136,000 |
| BERKSHIRE BANK PO 1308 PITTSFIELD, MA 01202 |
* | $ 6,476,905,000 | 1 | $ 152,000 |
| CITIMORTGAGE, INC. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 188,000 |
| SUNTRUST MORTGAGE, INC. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 1 | $ 181,000 |
| CITIBANK, NATIONAL ASSOCIATION 1 COURT SQUARE,43RD FLOOR SIOUX FALLS, SD 11120 |
* | $ 1,356,442,000,000 | 1 | $ 188,000 |
| DISCOVER BANK 12 READS WAY GREENWOOD, DE 19720 |
* | $ 81,661,915,000 | 1 | $ 45,000 |
The HMDA mortgage data below offers a comprehensive breakdown of loan application trends for 2015, 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 2015
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 | 100 | $11,073,000 | $110,000 | $325,000 | $70,000 | $378,000 |
| Refinancing | 71 | $8,198,000 | $115,000 | $310,000 | $53,000 | $209,000 |
| Home Improvement | 30 | $1,777,000 | $59,000 | $504,000 | $63,000 | $317,000 |
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 | 173 | $18,291,000 | $105,000 | $504,000 | $64,000 | $378,000 |
| Not Provided | 17 | $1,441,000 | $84,000 | $198,000 | $65,000 | $161,000 |
| Not applicable | 8 | $940,000 | $117,000 | $188,000 | $21,000 | $89,000 |
| American Indian or Alaskan Native | 1 | $68,000 | $68,000 | $68,000 | $30,000 | $30,000 |
| Hispanic | 1 | $98,000 | $98,000 | $98,000 | $86,000 | $86,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $210,000 | $210,000 | $210,000 | $96,000 | $96,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 160 | $16,118,000 | $100,000 | $504,000 | $67,000 | $378,000 |
| FHA-insured (Federal Housing Administration) | 16 | $1,793,000 | $112,000 | $201,000 | $38,000 | $83,000 |
| VA-guaranteed (Veterans Administration) | 15 | $2,041,000 | $136,000 | $310,000 | $54,000 | $96,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,096,000 | $109,000 | $189,000 | $41,000 | $64,000 |
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 | 111 | $11,912,000 | $107,000 | $504,000 | $66,000 | $340,000 |
| Application Denied By Financial Institution | 43 | $4,193,000 | $97,000 | $240,000 | $61,000 | $209,000 |
| Application Withdrawn By Applicant | 18 | $2,134,000 | $118,000 | $210,000 | $63,000 | $378,000 |
| File Closed For Incompleteness | 15 | $1,566,000 | $104,000 | $190,000 | $69,000 | $149,000 |
| Application Approved But Not Accepted | 7 | $447,000 | $63,000 | $132,000 | $38,000 | $49,000 |
| Loan Purchased By The Institution | 7 | $796,000 | $113,000 | $188,000 | $35,000 | $89,000 |
| 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 | 11 | $929,000 | $84,000 | $204,000 | $45,000 | $178,000 |
| Collateral | 8 | $956,000 | $119,000 | $240,000 | $88,000 | $176,000 |
| Credit History | 8 | $405,000 | $50,000 | $135,000 | $71,000 | $161,000 |
| Credit Application Incomplete | 5 | $673,000 | $134,000 | $235,000 | $76,000 | $209,000 |
| Other | 4 | $433,000 | $108,000 | $162,000 | $45,000 | $90,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $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.