Franklin County, VT Mortgage Lenders & HMDA Data, 2015

In 2015, lenders reported 2,388 mortgage applications in Franklin County, VT totaling $376.5 million, up 20% from 2014. The average application was for $157,000, and applicants reported an average income of $71,000. 58% of applications resulted in an originated loan and 18% were denied. The most active lender was Eastrise Federal Credit Union, with 387 applications, followed by Peoples Trust Company of St. Albans and Vermont Federal Credit Union.

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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 2,388
Total Mortgage Loan Application Amount $376,461,000
Average Mortgage Loan Application Amount $157,000
Highest Mortgage Loan Application Amount $2,322,000
Average Applicant Income $71,000
Highest Applicant Income $864,000

Mortgage Company List for Lending in Franklin County, VT for 2015

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Eastrise Federal Credit Union
141 HARVEST LANE
WILLISTON, VT 05495
* $ 1,053,456,000 387 $ 56,331,000
Peoples Trust Company of St. Albans
25 KINGMAN STREET, PO BOX 320
ST. ALBANS, VT 05478
* $ 255,609,000 294 $ 37,484,000
Vermont Federal Credit Union
275 KENNEDY DR
SOUTH BURLINGTON, VT 05407
* $ 415,174,000 189 $ 21,809,000
Union Bank
20 LOWER MAIN STREET PO BOX 667
MORRISVILLE, VT 05661
* $ 622,949,000 142 $ 24,037,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 104 $ 18,975,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,685,931,000 87 $ 17,949,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,532,784,000,000 76 $ 14,432,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 230,280,000,000 74 $ 6,386,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 70 $ 12,653,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 398,978,359,000 65 $ 11,770,000
Merchants Bank
PO BOX 1009
BURLINGTON, VT 05402
* $ 1,727,908,000 47 $ 7,211,000
Vermont State Employees
ONE BAILEY AVENUE
MONTPELIER, VT 05602
* $ 654,687,000 43 $ 5,211,000
People's United Bank
850 MAIN STREET
BRIDGEPORT, CT 06604
* $ 35,755,742,000 36 $ 5,334,000
Mortgage Financial Inc
170 MAIN STREET, SUITE 108
TEWKSBURY, MA 01876
* $ 10,000,000 34 $ 7,229,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,074,981,000,000 33 $ 6,036,000
Community National Bank
4811 US ROUTE 5
NEWPORT, VT 05855
* $ 586,090,000 32 $ 4,728,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 32 $ 6,175,000
Northcountry Federal Credit Union
PO BOX 64709
BURLINGTON, VT 05406
* $ 454,735,000 31 $ 3,644,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 29 $ 8,275,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 29 $ 4,659,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 91,782,513,000 25 $ 3,531,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 22 $ 3,445,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 22 $ 4,676,000
Passumpsic Bank
25 MR ARTHUR DRIVE
CHESTERFIELD, NH 03466
* $ 306,000,000 22 $ 3,721,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 19 $ 3,919,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 21,610,491,000 19 $ 2,144,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ 10,000,000 18 $ 3,237,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 102,971,333,000 16 $ 1,863,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 13 $ 1,485,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 11 $ 2,677,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,574,093,000,000 11 $ 1,775,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 67,301,894,000 10 $ 2,489,000
Northfield Savings Bank
1021 PAINE TURNPIKE NORTH
BERLIN, VT 05602
* $ 795,014,000 10 $ 1,420,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 9 $ 1,894,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 8 $ 1,064,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 7 $ 833,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,356,442,000,000 7 $ 828,000
Lendus, LLC
3236 STONE VALLEY ROAD W
ALAMO, CA 94507
* $ 10,000,000 7 $ 1,323,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 447,877,000 7 $ 1,531,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 6 $ 1,069,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 6 $ 572,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 6 $ 1,188,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 7,726,299,000 6 $ 1,425,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 63,635,411,000 5 $ 1,032,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 5 $ 1,161,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 83,125,845,000 5 $ 862,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 335,060,015,000 5 $ 898,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,888,583,000 4 $ 524,000
Great Plains National Bank
5909 NW EXPRESSWAY
ELK CITY, OK 73644
* $ 636,758,000 4 $ 898,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 4 $ 621,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 4 $ 846,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 3 $ 530,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 3 $ 756,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,808,214,000 3 $ 399,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 3 $ 756,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 255,011,219,000 3 $ 310,000
American Nationwide Mortgage Company, Inc.
3820 NORTHDALE BLVD STE 111A
TAMPA, FL 33624
* $ 1,847,619,000 3 $ 573,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 395,549,000 3 $ 668,000
Flagstar Bank
5151 CORPORATE DRIVE
TROY, MI 48098
* $ 9,779,461,000 3 $ 512,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 185,888,583,000 3 $ 85,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 3 $ 778,000
Harborone Mortgage, LLC
1045 ELM ST SUITE 601
MANCHESTER, NH 03101
* $ 100,000,000 3 $ 481,000
802 Credit Union
265 SOUTH MAIN STREET
BARRE, VT 05641
* $ 88,002,000 3 $ 287,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 3 $ 423,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 3 $ 533,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 3 $ 559,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 2 $ 410,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 2 $ 436,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 2 $ 317,000
Benchmark Bank
461 BEECHER ROAD
GAHANNA, OH 43230
* $ 124,628,000 2 $ 486,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 421,354,000 2 $ 339,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 76,205,000 2 $ 539,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 5,958,502,000 2 $ 237,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 27,356,000,000 2 $ 336,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 2 $ 554,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 95,920,564,000 2 $ 367,000
Norwich Commercial Group Inc
38 SECURITY DRIVE
AVON, CT 06001
* $ 17,789,000 2 $ 556,000
Live Well Financial, Inc.
1011 BOULDER SPRINGS DRIVE
RICHMOND, VA 23225
* $ 176,870,000 2 $ 268,000
Berkshire Bank

ALBANY, NY 12207
* $ 6,476,905,000 2 $ 424,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 2 $ 223,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 2 $ 526,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59116
* $ 8,576,299,000 1 $ 113,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 161,483,000 1 $ 121,000
The Provident Bank
5 MARKET ST
AMESBURY, MA 01913
* $ 658,813,000 1 $ 400,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 252,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ 10,000,000 1 $ 107,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ 10,000,000 1 $ 120,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 1 $ 218,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 1 $ 197,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 1 $ 243,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 321,539,000 1 $ 278,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 17,796,419,000 1 $ 172,000
West Town Bank & Trust
7820 W 26TH STREET
NORTH RIVERSIDE, IL 60546
* $ 183,453,000 1 $ 356,000
Tiaa-Cref Trust Company FSB
211 NORTH BROADWAY, STE 1000
ST. LOUIS, MO 63102
* $ 2,458,381,000 1 $ 188,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 216,602,000 1 $ 207,000
National Bank of Middlebury
30 MAIN STREET
MIDDLEBURY, VT 05753
* $ 319,067,000 1 $ 228,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 182,489,046,000 1 $ 276,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 9,910,776,000 1 $ 265,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,281,397,000 1 $ 209,000
One Credit Union
380 RIVER STREET
SPRINGFIELD, VT 05156
* $ 132,333,000 1 $ 128,000
Reliant Bank
1736 CAROTHERS PARKWAY
BRENTWOOD, TN 37027
* $ 295,168,000 1 $ 129,000
Northeast Bank
500 CANAL ST
LEWISTON, ME 04240
* $ 806,585,000 1 $ 180,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 1 $ 118,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ 0 1 $ 175,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 5,967,941,000 1 $ 278,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,071,910,000 1 $ 90,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ 2,664,576,000 1 $ 80,000

The tables below break down 2015 mortgage applications in Franklin 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 Franklin 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
Refinancing 1,161 $189,133,000 $162,000 $423,000 $72,000 $864,000
Home Purchase 913 $169,125,000 $185,000 $2,322,000 $67,000 $426,000
Home Improvement 314 $18,203,000 $57,000 $450,000 $74,000 $792,000

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 1,973 $308,014,000 $156,000 $2,322,000 $75,000 $864,000
Not Provided 195 $29,478,000 $151,000 $366,000 $79,000 $274,000
Not applicable 154 $28,662,000 $186,000 $450,000 $6,000 $249,000
Hispanic 27 $4,220,000 $156,000 $265,000 $59,000 $175,000
American Indian or Alaskan Native 17 $2,145,000 $126,000 $313,000 $49,000 $112,000
Asian 14 $2,341,000 $167,000 $305,000 $74,000 $198,000
Black or African American 6 $1,314,000 $219,000 $312,000 $102,000 $192,000
Native Hawaiian or Other Pacific Islander 2 $287,000 $143,000 $202,000 $72,000 $80,000

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) 1,730 $248,890,000 $143,000 $558,000 $78,000 $864,000
FHA-insured (Federal Housing Administration) 277 $49,964,000 $180,000 $345,000 $54,000 $178,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 198 $34,983,000 $176,000 $302,000 $44,000 $137,000
VA-guaranteed (Veterans Administration) 183 $42,624,000 $232,000 $2,322,000 $54,000 $189,000

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 1,381 $213,663,000 $154,000 $450,000 $77,000 $467,000
Application Denied By Financial Institution 425 $65,519,000 $154,000 $2,322,000 $66,000 $864,000
Application Withdrawn By Applicant 232 $37,002,000 $159,000 $387,000 $77,000 $400,000
Loan Purchased By The Institution 186 $34,816,000 $187,000 $398,000 $23,000 $191,000
Application Approved But Not Accepted 109 $16,761,000 $153,000 $400,000 $79,000 $234,000
File Closed For Incompleteness 55 $8,700,000 $158,000 $300,000 $75,000 $260,000
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 102 $15,036,000 $147,000 $558,000 $56,000 $256,000
Credit History 101 $10,279,000 $101,000 $344,000 $68,000 $792,000
Collateral 62 $11,229,000 $181,000 $360,000 $82,000 $212,000
Credit Application Incomplete 19 $3,571,000 $187,000 $399,000 $116,000 $864,000
Other 17 $4,889,000 $287,000 $2,322,000 $64,000 $140,000
Insufficient Cash (Downpayment, Closing Cost) 6 $806,000 $134,000 $191,000 $26,000 $85,000
Employment History 5 $626,000 $125,000 $246,000 $45,000 $88,000
Unverifiable Information 4 $673,000 $168,000 $280,000 $50,000 $66,000
Mortgage Insurance Denied 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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