Essex County VT
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
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 | $36,835,000 |
| Average Mortgage Loan Application Amount | $156,000 |
| Highest Mortgage Loan Application Amount | $505,000 |
| Average Applicant Income | $105,000 |
| Highest Applicant Income | $838,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| NORTH COUNTRY PO BOX 64709 SOUTH BURLINGTON, VT 05406 |
* | $ 903,544,000 | 31 | $ 3,025,000 |
| UNION BANK 20 LOWER MAIN STREET PO BOX 667 MORRISVILLE, VT 05661 |
* | $ 1,335,789,000 | 22 | $ 3,770,000 |
| COMMUNITY NATIONAL BANK 4811 US ROUTE 5 DERBY, VT 05855 |
* | $ 1,055,421,000 | 14 | $ 1,610,000 |
| NEW ENGLAND 141 HARVEST LANE WILLISTON, VT 05495 |
* | $ 1,952,542,000 | 10 | $ 1,230,000 |
| TD BANK, NATIONAL ASSOCIATION 2035 LIMESTONE ROAD WILMINGTON, DE 19808 |
* | $ 386,799,237,000 | 10 | $ 1,710,000 |
| MORTGAGE RESEARCH CENTER, LLC 1400 VETERANS UNITED DR. SAINT LOUIS, MO 65203 |
* | $ -1,000 | 9 | $ 1,725,000 |
| CITIZENS BANK, NATIONAL ASSOCIATION ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 9 | $ 635,000 |
| MASCOMA BANK 243 SYKES MOUNTAIN AVE BOX 4399 LEBANON, NH 05001 |
* | $ 2,733,504,000 | 8 | $ 1,670,000 |
| NORWICH COMMERCIAL GROUP, INC. 38 SECURITY DRIVE AVON, CT 06001 |
* | $ -1,000 | 6 | $ 1,420,000 |
| NORTHEAST HOME LOAN, LLC 25 MR ARTHUR DRIVE ST JOHNSBURY, VT 03466 |
* | $ -1,000 | 6 | $ 1,020,000 |
| BANGOR SAVINGS BANK 19 MAINE AVENUE BANGOR, ME 04401 |
* | $ 7,377,141,000 | 5 | $ 355,000 |
| ACADEMY MORTGAGE CORPORATION 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 5 | $ 835,000 |
| U.S. BANK NATIONAL ASSOCIATION 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 5 | $ 1,255,000 |
| NORTHEAST CREDIT UNION 100 BORTHWICK AVE. PORTSMOUTH, NH 03801 |
* | $ 1,893,645,000 | 4 | $ 310,000 |
| VERMONT FEDERAL CREDIT UNION PO BOX 407 BURLINGTON, VT 05401 |
* | $ 947,593,000 | 4 | $ 1,020,000 |
| DISCOVER BANK 12 READS WAY GREENWOOD, DE 19720 |
* | $ 129,461,046,000 | 4 | $ 410,000 |
| NEW AMERICAN FUNDING, LLC 14511 MYFORD ROAD, SUITE 100 DOVER, DE 92780 |
* | $ -1,000 | 4 | $ 640,000 |
| AMERISAVE MORTGAGE CORPORATION 3525 PIEDMONT RD NE, 8 PIEDMONT CTR STE PEACHTREE CORNER, GA 30305 |
* | $ -1,000 | 4 | $ 470,000 |
| SERVICE FEDERAL CREDIT UNION 3003 LAFAYETTE ROAD PORTSMOUTH, NH 03801 |
* | $ 5,172,623,000 | 4 | $ 830,000 |
| GUARANTEED RATE, INC. 3940 NORTH RAVENSWOOD AVE WILMINGTON, DE 60613 |
* | $ -1,000 | 3 | $ 845,000 |
| PENTAGON FEDERAL CREDIT UNION 7940 JONES BRANCH DRIVE MCLEAN, VA 22102 |
* | $ 35,526,360,000 | 3 | $ 595,000 |
| LOANDEPOT.COM, LLC 26642 TOWNE CENTRE DRIVE DOVER, DE 92610 |
* | $ -1,000 | 3 | $ 345,000 |
| LUMINATE HOME LOANS, INC. 7760 FRANCE AVE S, STE 1010 ROSEVILLE, MN 55435 |
* | $ -1,000 | 3 | $ 735,000 |
| PENNYMAC LOAN SERVICES, LLC 3043 TOWNSGATE ROAD WILMINGTON, DE 91361 |
* | $ -1,000 | 3 | $ 365,000 |
| NAVY FEDERAL CREDIT UNION 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 3 | $ 875,000 |
| FARM CREDIT EAST, ACA 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ -1,000 | 2 | $ 330,000 |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 3701 ARCO CORPORATE DR., SUITE 200 SACRAMENTO, PA 28273 |
* | $ -1,000 | 2 | $ 290,000 |
| NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 200,000 |
| CMG MORTGAGE, INC. 3160 CROW CANYON ROAD, SUITE 400 SACRAMENTO, CA 94583 |
* | $ -1,000 | 2 | $ 500,000 |
| BANK OF AMERICA, NATIONAL ASSOCIATION 31303 AGOURA RD CA6-917-01-20 CHARLOTTE, NC 91361 |
* | $ 2,418,508,000,000 | 2 | $ 50,000 |
| AMERIHOME MORTGAGE COMPANY, LLC 21215 BURBANK BLVD, SUITE 400 WILMINGTON, DE 91367 |
* | $ -1,000 | 2 | $ 280,000 |
| PLAZA HOME MORTGAGE, INC. 4820 EASTGATE MALL, STE 100 SACRAMENTO, CA 92121 |
* | $ -1,000 | 2 | $ 550,000 |
| FREEDOM MORTGAGE CORPORATION 10500 KINCAID DRIVE MT LAUREL, NJ 46037 |
* | $ -1,000 | 2 | $ 290,000 |
| UNITED WHOLESALE MORTGAGE, LLC 1414 EAST MAPLE ROAD PLYMOUTH, MI 48083 |
* | $ -1,000 | 2 | $ 590,000 |
| 21ST MORTGAGE CORPORATION 620 MARKET ST SUITE 100 WILMINGTON, DE 37902 |
* | $ -1,000 | 1 | $ 65,000 |
| LEADER BANK, NATIONAL ASSOCIATION 141 MASSACHUSETTS AVENUE ARLINGTON, MA 02474 |
* | $ 3,907,360,000 | 1 | $ 275,000 |
| COMMUNITY BANK, NATIONAL ASSOCIATION 45-49 COURT STREET CANTON, NY 13617 |
* | $ 15,614,778,000 | 1 | $ 145,000 |
| MIDFIRST BANK 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 1 | $ 125,000 |
| USAA FEDERAL SAVINGS BANK 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 1 | $ 185,000 |
| NORTHWAY BANK 9 MAIN ST BERLIN, NH 03570 |
* | $ 1,297,773,000 | 1 | $ 105,000 |
| BAR HARBOR BANK & TRUST 82 MAIN STREET BAR HARBOR, ME 04609 |
* | $ 3,906,943,000 | 1 | $ 255,000 |
| EMM LOANS LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08002 |
* | $ -1,000 | 1 | $ 135,000 |
| WELLS FARGO BANK, NATIONAL ASSOCIATION 100 N MAIN STREET MAC D4001-042 SIOUX FALLS, SD 27150 |
* | $ 1,717,531,000,000 | 1 | $ 185,000 |
| STRIDE BANK, NATIONAL ASSOCIATION 324 W BROADWAY AVE ENID, OK 73701 |
* | $ 2,702,968,000 | 1 | $ 105,000 |
| EVERETT FINANCIAL, INC. 14801 QUORUM DRIVE, SUITE 300 AUSTIN, TX 75254 |
* | $ -1,000 | 1 | $ 175,000 |
| MUTUAL OF OMAHA MORTGAGE, INC. 3131 CAMINO DEL RIO N 190 WILMINGTON, DE 92108 |
* | $ -1,000 | 1 | $ 405,000 |
| MANUFACTURERS AND TRADERS TRUST COMPANY 701 SENECA STREET - SUITE 330N BUFFALO, NY 14210 |
* | $ 200,262,969,000 | 1 | $ 15,000 |
| GRANITE STATE CREDIT UNION 1415 ELM STREET MANCHESTER, NH 03101 |
* | $ 634,205,000 | 1 | $ 55,000 |
| ALLIANT CREDIT UNION 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 18,739,008,000 | 1 | $ 235,000 |
| DEEPHAVEN MORTGAGE LLC 3530 TORINGDON WAY #200 WILMINGTON, DE 28277 |
* | $ -1,000 | 1 | $ 115,000 |
| NEWREZ LLC 4000 CHEMICAL ROAD SUITE 200 WILMINGTON, DE 19462 |
* | $ -1,000 | 1 | $ 375,000 |
| MEREDITH VILLAGE SAVINGS BANK 71 NH-104 MEREDITH, NH 3253 |
* | $ 1,552,881,000 | 1 | $ 275,000 |
| LEADERONE FINANCIAL CORPORATION 7500 COLLEGE BLVD SUITE 1150 TOPEKA, KS 66210 |
* | $ -1,000 | 1 | $ 55,000 |
The HMDA mortgage data below offers a comprehensive breakdown of loan application trends for 2023, 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 2023
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 | 132 | $26,980,000 | $204,000 | $495,000 | $111,000 | $507,000 |
| Home Improvement | 33 | $2,635,000 | $79,000 | $315,000 | $120,000 | $838,000 |
| Cash-out Refinancing | 32 | $4,070,000 | $127,000 | $295,000 | $76,000 | $206,000 |
| Other Purpose | 27 | $1,535,000 | $56,000 | $155,000 | $83,000 | $180,000 |
| Refinancing | 10 | $1,490,000 | $149,000 | $505,000 | $133,000 | $590,000 |
| Not Applicable | 1 | $125,000 | $125,000 | $125,000 | $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 | 163 | $24,395,000 | $149,000 | $505,000 | $99,000 | $590,000 |
| Not Provided | 42 | $7,700,000 | $183,000 | $495,000 | $134,000 | $838,000 |
| Not applicable | 11 | $1,975,000 | $179,000 | $375,000 | $0 | $0 |
| Hispanic | 6 | $530,000 | $88,000 | $265,000 | $98,000 | $134,000 |
| American Indian or Alaskan Native | 5 | $205,000 | $41,000 | $65,000 | $58,000 | $180,000 |
| Asian | 3 | $1,245,000 | $415,000 | $435,000 | $150,000 | $150,000 |
| Black or African American | 3 | $495,000 | $165,000 | $185,000 | $92,000 | $120,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $290,000 | $145,000 | $155,000 | $42,000 | $48,000 |
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) | 188 | $28,140,000 | $149,000 | $505,000 | $112,000 | $838,000 |
| VA-guaranteed (Veterans Administration) | 24 | $5,660,000 | $235,000 | $495,000 | $97,000 | $237,000 |
| FHA-insured (Federal Housing Administration) | 22 | $2,870,000 | $130,000 | $215,000 | $56,000 | $84,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $165,000 | $165,000 | $165,000 | $52,000 | $52,000 |
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 | 120 | $20,190,000 | $168,000 | $495,000 | $122,000 | $838,000 |
| Application Denied By Financial Institution | 51 | $6,235,000 | $122,000 | $465,000 | $75,000 | $374,000 |
| Application Withdrawn By Applicant | 38 | $6,260,000 | $164,000 | $505,000 | $108,000 | $590,000 |
| File Closed For Incompleteness | 13 | $1,515,000 | $116,000 | $265,000 | $59,000 | $133,000 |
| Loan Purchased By The Institution | 12 | $2,540,000 | $211,000 | $375,000 | $108,000 | $120,000 |
| Preapproval Approved but not Accepted | 1 | $95,000 | $95,000 | $95,000 | $49,000 | $49,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 184 | $30,600,000 | $166,000 | $505,000 | $114,000 | $838,000 |
| Debt-To-Income Ratio | 23 | $3,155,000 | $137,000 | $435,000 | $54,000 | $150,000 |
| Credit History | 12 | $640,000 | $53,000 | $125,000 | $78,000 | $149,000 |
| Collateral | 9 | $1,595,000 | $177,000 | $465,000 | $135,000 | $374,000 |
| Credit Application Incomplete | 3 | $495,000 | $165,000 | $245,000 | $92,000 | $146,000 |
| Other | 3 | $245,000 | $81,000 | $125,000 | $46,000 | $79,000 |
| Employment History | 1 | $105,000 | $105,000 | $105,000 | $36,000 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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.