Franklin County, VT Mortgage Lenders & HMDA Data, 2019

In 2019, lenders reported 2,616 mortgage applications in Franklin County, VT totaling $434.2 million, up 11% from 2018. The average application was for $165,000, and applicants reported an average income of $86,000. 63% of applications resulted in an originated loan and 12% were denied. The most active lender was Eastrise Federal Credit Union, with 474 applications, followed by Vermont Federal Credit Union and Peoples Trust Company of St. Albans.

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 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 2,616
Total Mortgage Loan Application Amount $434,200,000
Average Mortgage Loan Application Amount $165,000
Highest Mortgage Loan Application Amount $1,205,000
Average Applicant Income $86,000
Highest Applicant Income $1,138,000

Mortgage Company List for Lending in Franklin County, VT for 2019

* 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
* $ 1,259,693,000 474 $ 72,900,000
Vermont Federal Credit Union
275 KENNEDY DR
SOUTH BURLINGTON, VT 05407
* $ 558,777,000 325 $ 39,005,000
Peoples Trust Company of St. Albans
25 KINGMAN STREET, PO BOX 320
ST. ALBANS, VT 05478
* $ 266,945,000 232 $ 35,410,000
Union Bank
20 LOWER MAIN STREET PO BOX 667
MORRISVILLE, VT 05661
* $ 804,593,000 147 $ 28,595,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 107 $ 22,665,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 107 $ 18,815,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 459,476,604,000 99 $ 17,145,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 75 $ 12,155,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 129,426,633,000 62 $ 9,050,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 302,668,929,000 51 $ 5,335,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 137,976,503,000 49 $ 7,485,000
People's United Bank
850 MAIN STREET
BRIDGEPORT, CT 06604
* $ 47,601,600,000 41 $ 5,445,000
Passumpsic Bank
25 MR ARTHUR DRIVE
CHESTERFIELD, NH 03466
* $ -1,000 40 $ 9,990,000
Vermont State Employees
ONE BAILEY AVENUE
MONTPELIER, VT 05602
* $ 778,158,000 36 $ 4,510,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,689,351,000,000 35 $ 6,255,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 30 $ 5,770,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 26 $ 5,820,000
Northcountry Federal Credit Union
PO BOX 64709
BURLINGTON, VT 05406
* $ 620,193,000 26 $ 3,950,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 25 $ 4,475,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 10,412,127,000 24 $ 2,890,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 24 $ 4,970,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 22 $ 3,730,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 81,602,818,000 20 $ 4,510,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 19 $ 3,345,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 17 $ 3,605,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 17 $ 3,435,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 17 $ 3,215,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 16 $ 2,630,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,218,960,000,000 16 $ 2,190,000
Draper and Kramer Mortgage Corp.
1431 OPUS PLACE SUITE 200
WILMINGTON, DE 60515
* $ -1,000 15 $ 3,535,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 14 $ 3,010,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 14 $ 3,590,000
Community National Bank
4811 US ROUTE 5
NEWPORT, VT 05855
* $ 719,753,000 13 $ 1,485,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 12 $ 2,560,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 96,962,446,000 12 $ 3,300,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 12 $ 2,730,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 11 $ 2,035,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,015,112,000 11 $ 565,000
Northfield Savings Bank
1021 PAINE TURNPIKE NORTH
BERLIN, VT 05602
* $ 1,033,301,000 10 $ 1,460,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 9,492,332,000 10 $ 2,310,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 9 $ 1,665,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 8 $ 1,840,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,782,639,000,000 8 $ 1,230,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 7 $ 1,045,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 395,677,000 7 $ 1,635,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 6 $ 1,130,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 5 $ 795,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 4 $ 830,000
Flagstar Bank NA

TROY, MI 49098
* $ 18,466,868,000 4 $ 950,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 268,405,000 4 $ 990,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 4 $ 450,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 4 $ 750,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 4 $ 810,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 3 $ 695,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 1,811,622,000 3 $ 635,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 17,230,779,000 3 $ 415,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 3 $ 735,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 312,093,000 3 $ 605,000
802 Credit Union
265 SOUTH MAIN STREET
BARRE, VT 05641
* $ 129,661,000 3 $ 115,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 219,071,000,000 3 $ 685,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,011,136,000 3 $ 365,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 36,899,806,000 2 $ 10,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 2 $ 480,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 2 $ 310,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 949,720,000 2 $ 530,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 2 $ 450,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 2 $ 260,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,185,032,000 2 $ 660,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 209,720,480,000 2 $ 220,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 2 $ 540,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 265,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ 3,412,460,000 1 $ 215,000
Residential Mortgage Services, Inc.
24 CHRISTOPHER TOPPI DRIVE
SOUTH PORTLAND, ME 04106
* $ -1,000 1 $ 235,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 265,000
Priority Funding, LLC
292 MAIN STREET, SUITE G1
NORTHBORO, MA 01532
* $ -1,000 1 $ 85,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 175,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 135,000
BNC National Bank

BISMARCK, ND 58501
* $ 970,161,000 1 $ 325,000
Citibank, NA

NEW YORK, NY 10012
* $ 826,876,000,000 1 $ 275,000
Ally Bank

CHARLOTTE, NC 28202
* $ 159,291,000,000 1 $ 165,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ 829,051,000 1 $ 225,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 35,000
Axiom Bank, N.A.
258 SOUTHHALL LN SUITE 400
MAITLAND, FL 32751
* $ 631,518,000 1 $ 65,000
Leader Bank NA
141 MASSACHUSETTS AVENUE
ARLINGTON, MA 02474
* $ 1,348,132,000 1 $ 475,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 165,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 1 $ 95,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 235,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 215,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ 7,306,280,000 1 $ 95,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 8,305,036,000 1 $ 95,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 5,133,339,000 1 $ 195,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 1 $ 235,000
Rushmore Loan Management Services LLC
15480 LAGUNA CANYON ROAD, SUITE 100
IRVINE, CA 92618
* $ -1,000 1 $ 125,000
Florida Capital Bank, N.A
10151 DEERWOOD PARK BLVD. BLDG. 100 #200
JACKSONVILLE, FL 32256
* $ 407,529,000 1 $ 145,000
Lenderlive Network, LLC
710 S ASH
GLENDALE, CO 80246
* $ -1,000 1 $ 165,000
Bethpage Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 8,400,747,000 1 $ 55,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 105,000
Everwise Credit Union
110 S MAIN ST
SOUTH BEND, IN 46601
* $ 3,171,994,000 1 $ 255,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 1,279,654,000 1 $ 315,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 205,000
Bar Harbor Bank & Trust
82 MAIN STREET
BAR HARBOR, ME 04609
* $ 3,604,567,000 1 $ 135,000
Jovia Financial Federal Credit
1000 CORPORATE DRIVE
WESTBURY, NY 11590
* $ 3,153,658,000 1 $ 185,000

The tables below break down 2019 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 2019

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 1,223 $240,005,000 $196,000 $1,205,000 $86,000 $826,000
Refinancing 564 $93,380,000 $165,000 $675,000 $88,000 $358,000
Cash-out Refinancing 397 $71,725,000 $180,000 $715,000 $78,000 $282,000
Home Improvement 233 $15,275,000 $65,000 $485,000 $92,000 $1,138,000
Other Purpose 179 $11,345,000 $63,000 $415,000 $87,000 $387,000
Not Applicable 20 $2,470,000 $123,000 $245,000 $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 2,006 $326,240,000 $162,000 $895,000 $86,000 $1,138,000
Not Provided 309 $52,245,000 $169,000 $485,000 $93,000 $544,000
Not applicable 212 $40,550,000 $191,000 $1,205,000 $76,000 $136,000
Hispanic 33 $5,005,000 $151,000 $315,000 $71,000 $123,000
American Indian or Alaskan Native 25 $4,235,000 $169,000 $335,000 $56,000 $124,000
Asian 17 $2,625,000 $154,000 $315,000 $79,000 $179,000
Black or African American 10 $2,660,000 $266,000 $465,000 $106,000 $195,000
Native Hawaiian or Other Pacific Islander 3 $365,000 $121,000 $155,000 $82,000 $152,000

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) 1,928 $292,360,000 $151,000 $1,205,000 $90,000 $1,138,000
FHA-insured (Federal Housing Administration) 305 $58,595,000 $192,000 $355,000 $67,000 $191,000
VA-guaranteed (Veterans Administration) 200 $48,180,000 $240,000 $465,000 $79,000 $214,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 183 $35,065,000 $191,000 $285,000 $68,000 $126,000

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 1,644 $277,850,000 $169,000 $1,205,000 $90,000 $1,138,000
Application Denied By Financial Institution 315 $43,705,000 $138,000 $715,000 $69,000 $454,000
Application Withdrawn By Applicant 294 $48,250,000 $164,000 $395,000 $83,000 $217,000
Loan Purchased By The Institution 224 $42,640,000 $190,000 $375,000 $79,000 $245,000
File Closed For Incompleteness 79 $12,325,000 $156,000 $355,000 $72,000 $185,000
Application Approved But Not Accepted 60 $9,430,000 $157,000 $395,000 $86,000 $275,000
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 2,293 $388,655,000 $169,000 $1,205,000 $88,000 $1,138,000
Debt-To-Income Ratio 102 $16,580,000 $162,000 $715,000 $49,000 $133,000
Credit History 92 $9,950,000 $108,000 $415,000 $66,000 $387,000
Collateral 52 $6,490,000 $124,000 $395,000 $98,000 $454,000
Credit Application Incomplete 33 $5,885,000 $178,000 $325,000 $81,000 $217,000
Other 17 $2,355,000 $138,000 $295,000 $89,000 $214,000
Insufficient Cash (Downpayment, Closing Cost) 14 $2,910,000 $207,000 $425,000 $82,000 $246,000
Unverifiable Information 9 $985,000 $109,000 $275,000 $87,000 $291,000
Employment History 4 $390,000 $97,000 $155,000 $74,000 $132,000
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.

Download the Vermont Lender List