Franklin County, VT Mortgage Lenders & HMDA Data, 2018

In 2018, lenders reported 2,347 mortgage applications in Franklin County, VT totaling $355.4 million, about the same as 2017. The average application was for $151,000, and applicants reported an average income of $84,000. 62% of applications resulted in an originated loan and 14% were denied. The most active lender was Eastrise Federal Credit Union, with 394 applications, followed by Vermont Federal Credit Union and Peoples Trust Company of St. Albans.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 2,347
Total Mortgage Loan Application Amount $355,395,000
Average Mortgage Loan Application Amount $151,000
Highest Mortgage Loan Application Amount $1,765,000
Average Applicant Income $84,000
Highest Applicant Income $1,799,000

Mortgage Company List for Lending in Franklin County, VT for 2018

* 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
* $ 1,225,247,000 394 $ 49,370,000
Vermont Federal Credit Union
275 KENNEDY DR
SOUTH BURLINGTON, VT 05407
* $ 513,282,000 285 $ 33,065,000
Peoples Trust Company of St. Albans
25 KINGMAN STREET, PO BOX 320
ST. ALBANS, VT 05478
* $ 262,099,000 216 $ 33,770,000
Union Bank
20 LOWER MAIN STREET PO BOX 667
MORRISVILLE, VT 05661
* $ 744,966,000 133 $ 24,965,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 111 $ 21,355,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 101 $ 18,195,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 288,294,007,000 84 $ 9,070,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 71 $ 11,075,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 56 $ 11,280,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 56 $ 7,220,000
Northcountry Federal Credit Union
PO BOX 64709
BURLINGTON, VT 05406
* $ 579,056,000 51 $ 5,075,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 135,758,439,000 48 $ 6,750,000
People's United Bank
850 MAIN STREET
BRIDGEPORT, CT 06604
* $ 44,197,959,000 46 $ 5,640,000
Passumpsic Bank
25 MR ARTHUR DRIVE
CHESTERFIELD, NH 03466
* $ -1,000 36 $ 8,370,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 36 $ 5,920,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 35 $ 6,865,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 29 $ 4,195,000
Vermont State Employees
ONE BAILEY AVENUE
MONTPELIER, VT 05602
* $ 752,375,000 26 $ 2,540,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 24 $ 4,600,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 22 $ 4,190,000
Community National Bank
4811 US ROUTE 5
NEWPORT, VT 05855
* $ 666,368,000 21 $ 2,215,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 10,521,576,000 20 $ 2,380,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 17 $ 2,865,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 16 $ 3,260,000
Lendus, LLC
3236 STONE VALLEY ROAD W
ALAMO, CA 94507
* $ -1,000 16 $ 3,810,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 15 $ 2,965,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 15 $ 2,785,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 14 $ 2,380,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 12 $ 1,650,000
Northfield Savings Bank
1021 PAINE TURNPIKE NORTH
BERLIN, VT 05602
* $ 959,357,000 11 $ 1,635,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 11 $ 2,145,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 11 $ 2,135,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 9 $ 1,785,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 9,060,824,000 9 $ 2,935,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 9 $ 1,625,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 9 $ 445,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 34,298,273,000 8 $ 640,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 8 $ 970,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 7 $ 1,295,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 6 $ 1,080,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 6 $ 1,050,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 6 $ 1,060,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 5 $ 1,095,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 5 $ 1,175,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 5 $ 1,205,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 5 $ 795,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 4 $ 950,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 8,273,309,000 4 $ 450,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 1,150,216,000 4 $ 390,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 4 $ 680,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,175,351,000 4 $ 780,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 4 $ 410,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ -1,000 3 $ 285,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 3 $ 405,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 3 $ 755,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 3 $ 225,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 3 $ 595,000
One Credit Union
380 RIVER STREET
SPRINGFIELD, VT 05156
* $ 153,788,000 2 $ 80,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 2 $ 280,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 2 $ 500,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 2 $ 430,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 74,450,413,000 2 $ 230,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,995,487,000 2 $ 550,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 118,072,176,000 2 $ 340,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 363,702,000 2 $ 410,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 2 $ 440,000
Rbc Bank (Georgia), N.A.

RALEIGH, NC 27607
* $ 4,510,197,000 2 $ 570,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 2 $ 410,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 255,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 14,726,156,000 1 $ 125,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 75,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 604,714,000 1 $ 125,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ -1,000 1 $ 85,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ -1,000 1 $ 135,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ -1,000 1 $ 175,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 1 $ 185,000
Bankunited, National Association
7815 NW 148TH STREET
MIAMI LAKES, FL 33016
* $ 30,280,467,000 1 $ 125,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 115,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 205,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 631,522,000 1 $ 425,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 5,000
Heritage Bank
110 E 9TH ST
WOOD RIVER, NE 68883
* $ 593,567,000 1 $ 255,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 287,783,000 1 $ 25,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 1,787,790,000 1 $ 125,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 1 $ 255,000
Baycoast Bank
330 SWANSEA MALL DRIVE
SWANSEA, MA 02777
* $ 1,458,622,000 1 $ 75,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 4,724,296,000 1 $ 95,000
Berkshire Bank

ALBANY, NY 12207
* $ 11,528,145,000 1 $ 25,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 225,000
Tcf National Bank
2508 LOUISE AVE S (PCC-2E-L)
SIOUX FALLS, SD 57106
* $ 23,020,511,000 1 $ 65,000
802 Credit Union
265 SOUTH MAIN STREET
BARRE, VT 05641
* $ 133,334,000 1 $ 195,000
Hanscom Federal Credit Union
1610 EGLIN ST
HANSCOM AFB, MA 01731
* $ 1,271,868,000 1 $ 265,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 827,634,000 1 $ 255,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 145,000
Advisors Mortgage Group, LLC
1411 HIGHWAY 35
OCEAN, NJ 07712
* $ -1,000 1 $ 165,000
Live Well Financial, Inc.
1011 BOULDER SPRINGS DRIVE
RICHMOND, VA 23225
* $ -1,000 1 $ 5,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 1 $ 195,000
First Home Bank
9190 SEMINOLE BLVD
SEMINOLE, FL 33772
* $ 260,106,000 1 $ 135,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 22,858,876,000 1 $ 35,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 316,352,000 1 $ 225,000

The tables below break down 2018 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 2018

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 1,160 $219,160,000 $188,000 $1,765,000 $83,000 $1,024,000
Refinancing 389 $52,765,000 $135,000 $705,000 $83,000 $565,000
Cash-out Refinancing 355 $54,045,000 $152,000 $495,000 $76,000 $374,000
Home Improvement 218 $12,110,000 $55,000 $735,000 $92,000 $804,000
Other Purpose 198 $14,020,000 $70,000 $355,000 $97,000 $1,799,000
Not Applicable 27 $3,295,000 $122,000 $345,000 $99,000 $99,000

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 1,814 $267,640,000 $147,000 $1,765,000 $83,000 $1,024,000
Not Provided 242 $34,580,000 $142,000 $695,000 $93,000 $1,799,000
Not applicable 237 $44,825,000 $189,000 $735,000 $68,000 $124,000
American Indian or Alaskan Native 17 $2,895,000 $170,000 $335,000 $95,000 $500,000
Hispanic 14 $1,490,000 $106,000 $295,000 $94,000 $239,000
Black or African American 12 $2,340,000 $195,000 $455,000 $87,000 $195,000
Asian 10 $1,500,000 $150,000 $255,000 $56,000 $121,000
Native Hawaiian or Other Pacific Islander 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) 1,750 $244,470,000 $139,000 $1,765,000 $89,000 $1,799,000
FHA-insured (Federal Housing Administration) 261 $45,925,000 $175,000 $365,000 $65,000 $260,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 170 $29,710,000 $174,000 $285,000 $64,000 $180,000
VA-guaranteed (Veterans Administration) 166 $35,290,000 $212,000 $375,000 $73,000 $255,000

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 1,444 $221,650,000 $153,000 $1,765,000 $87,000 $1,024,000
Application Denied By Financial Institution 318 $40,170,000 $126,000 $1,005,000 $66,000 $800,000
Application Withdrawn By Applicant 266 $38,370,000 $144,000 $495,000 $90,000 $1,799,000
Loan Purchased By The Institution 213 $40,165,000 $188,000 $425,000 $88,000 $447,000
File Closed For Incompleteness 68 $10,140,000 $149,000 $325,000 $90,000 $388,000
Application Approved But Not Accepted 38 $4,900,000 $128,000 $375,000 $89,000 $266,000
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
Not applicable 2,028 $314,970,000 $155,000 $1,765,000 $87,000 $1,799,000
Debt-To-Income Ratio 98 $13,510,000 $137,000 $405,000 $52,000 $148,000
Credit History 97 $9,775,000 $100,000 $345,000 $76,000 $800,000
Collateral 55 $6,055,000 $110,000 $395,000 $79,000 $230,000
Credit Application Incomplete 27 $4,015,000 $148,000 $305,000 $53,000 $136,000
Other 22 $4,240,000 $192,000 $1,005,000 $77,000 $150,000
Unverifiable Information 11 $1,285,000 $116,000 $235,000 $70,000 $135,000
Insufficient Cash (Downpayment, Closing Cost) 7 $1,325,000 $189,000 $695,000 $49,000 $86,000
Employment History 2 $220,000 $110,000 $165,000 $50,000 $60,000
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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