Grand Isle County, VT Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 524 mortgage applications in Grand Isle County, VT totaling $103.3 million, down 18% from 2010. The average application was for $197,000, and applicants reported an average income of $112,000. 53% of applications resulted in an originated loan and 14% were denied. The most active lender was Eastrise Federal Credit Union, with 84 applications, followed by Wells Fargo Bank NA and Merchants Bank.
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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 | 524 |
| Total Mortgage Loan Application Amount | $103,266,000 |
| Average Mortgage Loan Application Amount | $197,000 |
| Highest Mortgage Loan Application Amount | $1,138,000 |
| Average Applicant Income | $112,000 |
| Highest Applicant Income | $1,330,000 |
* 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 |
* | $ 797,220,000 | 84 | $ 14,100,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 32 | $ 7,160,000 |
| Merchants Bank PO BOX 1009 BURLINGTON, VT 05402 |
* | $ 1,490,871,000 | 26 | $ 3,916,000 |
| People's United Bank 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 24,650,366,000 | 25 | $ 4,208,000 |
| Northcountry Federal Credit Union PO BOX 64709 BURLINGTON, VT 05406 |
* | $ 297,520,000 | 24 | $ 2,654,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 21 | $ 4,559,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 19 | $ 4,645,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 179,970,802,000 | 19 | $ 4,843,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 19 | $ 4,544,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 18 | $ 2,032,000 |
| Peoples Trust Company of St. Albans 25 KINGMAN STREET, PO BOX 320 ST. ALBANS, VT 05478 |
* | $ 228,180,000 | 17 | $ 2,568,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,285,622,000 | 14 | $ 3,067,000 |
| Vermont Federal Credit Union 275 KENNEDY DR SOUTH BURLINGTON, VT 05407 |
* | $ 300,447,000 | 13 | $ 1,922,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 13 | $ 3,301,000 |
| Mortgage Financial Inc 170 MAIN STREET, SUITE 108 TEWKSBURY, MA 01876 |
* | $ 10,000,000 | 10 | $ 2,184,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 109,283,991,000 | 9 | $ 1,586,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 7 | $ 1,630,000 |
| Vermont State Employees ONE BAILEY AVENUE MONTPELIER, VT 05602 |
* | $ 538,577,000 | 7 | $ 839,000 |
| Union Bank 20 LOWER MAIN STREET PO BOX 667 MORRISVILLE, VT 05661 |
* | $ 453,245,000 | 7 | $ 1,304,000 |
| Passumpsic Bank 25 MR ARTHUR DRIVE CHESTERFIELD, NH 03466 |
* | $ 306,000,000 | 7 | $ 1,901,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 7 | $ 1,776,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 6 | $ 1,058,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 5,302,543,000 | 6 | $ 1,426,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 85,930,126,000 | 5 | $ 1,045,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 5 | $ 1,381,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 5 | $ 1,107,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 5 | $ 1,115,000 |
| Northfield Savings Bank 1021 PAINE TURNPIKE NORTH BERLIN, VT 05602 |
* | $ 629,919,000 | 5 | $ 1,563,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 5 | $ 1,428,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 876,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 4 | $ 355,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 4 | $ 813,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 3 | $ 613,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 3 | $ 675,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 3 | $ 539,000 |
| Merrimack Mortgage Company, in 1045 ELM STREET, SUITE 601 MANCHESTER, NH 03101 |
* | $ 10,000,000 | 3 | $ 460,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 2 | $ 84,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 56,866,447,000 | 2 | $ 429,000 |
| Lendus, LLC 3236 STONE VALLEY ROAD W ALAMO, CA 94507 |
* | $ 10,000,000 | 2 | $ 638,000 |
| Community National Bank 4811 US ROUTE 5 NEWPORT, VT 05855 |
* | $ 545,104,000 | 2 | $ 255,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 2 | $ 530,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 522,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,104,501,000 | 2 | $ 355,000 |
| W. J. Bradley Mortgage Capital 6465 GREENWOOD PLAZA BLVD, SUITE 500 CENTENNIAL, CO 80111 |
* | $ 10,000,000 | 2 | $ 432,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 7,724,367,000 | 2 | $ 134,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 1 | $ 160,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 1 | $ 280,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 1 | $ 164,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 195,101,367,000 | 1 | $ 92,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 200,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 200,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 332,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 228,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 350,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 220,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 185,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 129,000 |
| First Choice Bank 669 WHITEHEAD ROAD LAWRENCEVILLE, NJ 08648 |
* | $ 448,171,000 | 1 | $ 175,000 |
| Schaefer Mortgage Corporation 5 BUTTRICK ROAD LONDONDERRY, NH 03053 |
* | $ 17,252,000 | 1 | $ 292,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 144,000 |
| Sidus Financial, LLC 701 GREEN VALLEY ROAD, SUITE 101 GREENSBORO, NC 27408 |
* | $ 10,000,000 | 1 | $ 215,000 |
| Bmi Federal Credit Union 6165 EMERALD PARKWAY DUBLIN, OH 43016 |
* | $ 365,175,000 | 1 | $ 376,000 |
| Central One Federal Credit Union 714 MAIN ST SHREWSBURY, MA 01545 |
* | $ 344,337,000 | 1 | $ 188,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 31,465,215,000 | 1 | $ 877,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 1 | $ 219,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 91,413,704,000 | 1 | $ 645,000 |
| Merrill Lynch Credit Corp 30930 RUSSELL RANCH RD CA6-916-01-14 WESTLAKE VILLAGE, CA 91362 |
* | $ 2,223,299,000 | 1 | $ 262,000 |
| Oceanfirst Bank 975 HOOPER AVENUE TOMS RIVER, NJ 08753 |
* | $ 2,252,901,000 | 1 | $ 350,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 385,490,000 | 1 | $ 296,000 |
| Aurora Bank FSB 10350 PARK MEADOWS DRIVE LONE TREE, CO 80124 |
* | $ 4,335,558,000 | 1 | $ 328,000 |
| The Bank of Maine 2 CANAL PLAZA PORTLAND, ME 04101 |
* | $ 857,397,000 | 1 | $ 336,000 |
| Lake Sunapee Bank 9 MAIN ST NEWPORT, NH 03773 |
* | $ 992,307,000 | 1 | $ 98,000 |
The tables below break down 2011 mortgage applications in Grand Isle 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 Grand Isle County, VT in 2011
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 | 391 | $80,017,000 | $204,000 | $877,000 | $111,000 | $806,000 |
| Home Purchase | 87 | $18,152,000 | $208,000 | $1,138,000 | $134,000 | $1,330,000 |
| Home Improvement | 46 | $5,097,000 | $110,000 | $350,000 | $79,000 | $536,000 |
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 | 430 | $83,917,000 | $195,000 | $1,138,000 | $112,000 | $806,000 |
| Not Provided | 63 | $12,087,000 | $191,000 | $592,000 | $146,000 | $1,330,000 |
| Not applicable | 22 | $5,571,000 | $253,000 | $542,000 | $22,000 | $182,000 |
| Hispanic | 4 | $864,000 | $216,000 | $382,000 | $121,000 | $297,000 |
| Black or African American | 3 | $668,000 | $222,000 | $280,000 | $104,000 | $163,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $10,000 | $10,000 | $10,000 | $34,000 | $34,000 |
| American Indian or Alaskan Native | 1 | $149,000 | $149,000 | $149,000 | $216,000 | $216,000 |
| Asian | 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) | 468 | $92,160,000 | $196,000 | $1,138,000 | $120,000 | $1,330,000 |
| FHA-insured (Federal Housing Administration) | 33 | $6,047,000 | $183,000 | $300,000 | $42,000 | $117,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $2,686,000 | $191,000 | $254,000 | $57,000 | $87,000 |
| VA-guaranteed (Veterans Administration) | 9 | $2,373,000 | $263,000 | $542,000 | $59,000 | $91,000 |
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 | 277 | $54,251,000 | $195,000 | $1,138,000 | $126,000 | $1,330,000 |
| Application Denied By Financial Institution | 74 | $13,126,000 | $177,000 | $575,000 | $79,000 | $423,000 |
| Loan Purchased By The Institution | 67 | $15,765,000 | $235,000 | $542,000 | $101,000 | $586,000 |
| Application Withdrawn By Applicant | 56 | $9,453,000 | $168,000 | $400,000 | $109,000 | $673,000 |
| Application Approved But Not Accepted | 26 | $5,310,000 | $204,000 | $645,000 | $113,000 | $495,000 |
| File Closed For Incompleteness | 24 | $5,361,000 | $223,000 | $470,000 | $102,000 | $426,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 17 | $2,665,000 | $156,000 | $300,000 | $71,000 | $118,000 |
| Debt-To-Income Ratio | 17 | $3,225,000 | $189,000 | $360,000 | $61,000 | $151,000 |
| Collateral | 10 | $2,728,000 | $272,000 | $575,000 | $166,000 | $423,000 |
| Other | 6 | $790,000 | $131,000 | $160,000 | $60,000 | $121,000 |
| Credit Application Incomplete | 4 | $508,000 | $127,000 | $160,000 | $69,000 | $94,000 |
| Employment History | 1 | $400,000 | $400,000 | $400,000 | $116,000 | $116,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $85,000 | $85,000 | $85,000 | $37,000 | $37,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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