Grand Isle County, VT Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 666 mortgage applications in Grand Isle County, VT totaling $126.8 million, up 27% from 2011. The average application was for $190,000, and applicants reported an average income of $108,000. 60% of applications resulted in an originated loan and 15% were denied. The most active lender was Eastrise Federal Credit Union, with 141 applications, followed by Wells Fargo Bank NA 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 | 666 |
| Total Mortgage Loan Application Amount | $126,847,000 |
| Average Mortgage Loan Application Amount | $190,000 |
| Highest Mortgage Loan Application Amount | $851,000 |
| Average Applicant Income | $108,000 |
| Highest Applicant Income | $800,000 |
* 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 |
* | $ 858,756,000 | 141 | $ 22,145,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 41 | $ 8,600,000 |
| Vermont Federal Credit Union 275 KENNEDY DR SOUTH BURLINGTON, VT 05407 |
* | $ 335,785,000 | 36 | $ 5,085,000 |
| Merchants Bank PO BOX 1009 BURLINGTON, VT 05402 |
* | $ 1,615,145,000 | 30 | $ 6,007,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 188,912,554,000 | 27 | $ 4,298,000 |
| Northcountry Federal Credit Union PO BOX 64709 BURLINGTON, VT 05406 |
* | $ 350,250,000 | 26 | $ 3,540,000 |
| Vermont State Employees ONE BAILEY AVENUE MONTPELIER, VT 05602 |
* | $ 573,357,000 | 26 | $ 3,925,000 |
| Mortgage Financial Inc 170 MAIN STREET, SUITE 108 TEWKSBURY, MA 01876 |
* | $ 10,000,000 | 25 | $ 5,790,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 21 | $ 4,350,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 18 | $ 3,298,000 |
| Union Bank 20 LOWER MAIN STREET PO BOX 667 MORRISVILLE, VT 05661 |
* | $ 551,849,000 | 17 | $ 3,587,000 |
| Peoples Trust Company of St. Albans 25 KINGMAN STREET, PO BOX 320 ST. ALBANS, VT 05478 |
* | $ 233,046,000 | 17 | $ 2,495,000 |
| Passumpsic Bank 25 MR ARTHUR DRIVE CHESTERFIELD, NH 03466 |
* | $ 306,000,000 | 16 | $ 3,410,000 |
| People's United Bank 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 27,319,304,000 | 16 | $ 4,114,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 15 | $ 3,628,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 14 | $ 3,534,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 106,940,591,000 | 12 | $ 3,232,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 12 | $ 2,789,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 8 | $ 2,211,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 7 | $ 1,205,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 6 | $ 856,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 6 | $ 1,414,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 6 | $ 1,613,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 86,198,836,000 | 6 | $ 1,146,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 6 | $ 1,168,000 |
| Lendus, LLC 3236 STONE VALLEY ROAD W ALAMO, CA 94507 |
* | $ 10,000,000 | 5 | $ 1,147,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 4 | $ 727,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 3 | $ 385,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 695,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 3 | $ 391,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 367,000 |
| Northfield Savings Bank 1021 PAINE TURNPIKE NORTH BERLIN, VT 05602 |
* | $ 685,763,000 | 3 | $ 480,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 528,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 34,276,023,000 | 2 | $ 1,501,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 2 | $ 324,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 2 | $ 181,000 |
| Mortgage Master, Inc. 102 ELM STREET WALPOLE, MA 02081 |
* | $ 11,250,346,000 | 2 | $ 264,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 523,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 2 | $ 421,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 2 | $ 640,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 2 | $ 268,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 2 | $ 429,000 |
| One Credit Union 380 RIVER STREET SPRINGFIELD, VT 05156 |
* | $ 123,887,000 | 2 | $ 340,000 |
| Guaranty Bank 501 W NORTHSHORE DR. SUITE 400 GLENDALE, WI 53217 |
* | $ 1,163,507,000 | 2 | $ 533,000 |
| UBS Ag, Tampa Branch 3000 BAYPORT TAMPA, FL 33607 |
* | $ 1,400,000,000 | 2 | $ 340,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 5,558,535,000 | 2 | $ 495,000 |
| Community National Bank 4811 US ROUTE 5 NEWPORT, VT 05855 |
* | $ 552,102,000 | 1 | $ 417,000 |
| Firstar Bank, National Association PO BOX 308 ROLAND, OK 74954 |
* | $ 223,553,000 | 1 | $ 237,000 |
| First Choice Bank 669 WHITEHEAD ROAD LAWRENCEVILLE, NJ 08648 |
* | $ 669,292,000 | 1 | $ 228,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 300,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 145,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,283,070,000 | 1 | $ 385,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 1 | $ 210,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 1 | $ 207,000 |
| The Bank of Maine 2 CANAL PLAZA PORTLAND, ME 04101 |
* | $ 781,222,000 | 1 | $ 417,000 |
| Lake Sunapee Bank 9 MAIN ST NEWPORT, NH 03773 |
* | $ 1,038,509,000 | 1 | $ 593,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 4,664,742,000 | 1 | $ 227,000 |
| The Adirondack Trust Company 473 BROADWAY SARATOGA SPRINGS, NY 12866 |
* | $ 909,063,000 | 1 | $ 264,000 |
| Emery Federal Credit Union 7890 EAST KEMPER ROAD CINCINNATI, OH 45249 |
* | $ 140,933,000 | 1 | $ 262,000 |
| 802 Credit Union 265 SOUTH MAIN STREET BARRE, VT 05641 |
* | $ 72,078,000 | 1 | $ 100,000 |
| Massmutual FCU 1295 STATE STREET SPRINGFIELD, MA 01111 |
* | $ 209,609,000 | 1 | $ 203,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,123,880,000 | 1 | $ 40,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ 10,000,000 | 1 | $ 116,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 130,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 204,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 1 | $ 167,000 |
| Members Mortgage Company, Inc. 10 CEDAR STREET, #11 WOBURN, MA 01801 |
* | $ 10,000,000 | 1 | $ 203,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 1 | $ 177,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 80,000 |
| Capital One NA 11130 INDUSTRIPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 71,108,281,000 | 1 | $ 395,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,056,671,000 | 1 | $ 100,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 25,513,620,000 | 1 | $ 178,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 66,063,531,000 | 1 | $ 246,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 393,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 2,084,000,000 | 1 | $ 87,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 114,540,379,000 | 1 | $ 262,000 |
| Ing Bank, FSB / Capital One 11130 INDUSTRIPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 92,212,498,000 | 1 | $ 125,000 |
| First National Bank of Suffield, the 30 BRIDGE STREET, P.O. BOX 96 SUFFIELD, CT 06078 |
* | $ 214,349,000 | 1 | $ 200,000 |
The tables below break down 2012 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 2012
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 | 490 | $97,556,000 | $199,000 | $851,000 | $110,000 | $800,000 |
| Home Purchase | 120 | $24,228,000 | $201,000 | $781,000 | $106,000 | $588,000 |
| Home Improvement | 56 | $5,063,000 | $90,000 | $417,000 | $88,000 | $274,000 |
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 | 539 | $101,842,000 | $188,000 | $851,000 | $110,000 | $800,000 |
| Not Provided | 79 | $15,498,000 | $196,000 | $850,000 | $124,000 | $575,000 |
| Not applicable | 35 | $6,638,000 | $189,000 | $476,000 | $21,000 | $199,000 |
| Black or African American | 5 | $1,057,000 | $211,000 | $545,000 | $191,000 | $299,000 |
| American Indian or Alaskan Native | 3 | $831,000 | $277,000 | $380,000 | $128,000 | $212,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $596,000 | $198,000 | $273,000 | $97,000 | $105,000 |
| Asian | 1 | $110,000 | $110,000 | $110,000 | $63,000 | $63,000 |
| Hispanic | 1 | $275,000 | $275,000 | $275,000 | $190,000 | $190,000 |
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) | 595 | $113,253,000 | $190,000 | $851,000 | $114,000 | $800,000 |
| FHA-insured (Federal Housing Administration) | 33 | $6,081,000 | $184,000 | $319,000 | $57,000 | $108,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 22 | $3,334,000 | $151,000 | $209,000 | $40,000 | $83,000 |
| VA-guaranteed (Veterans Administration) | 16 | $4,179,000 | $261,000 | $476,000 | $57,000 | $187,000 |
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 | 398 | $73,828,000 | $185,000 | $850,000 | $116,000 | $741,000 |
| Application Denied By Financial Institution | 98 | $17,572,000 | $179,000 | $851,000 | $79,000 | $505,000 |
| Loan Purchased By The Institution | 69 | $14,647,000 | $212,000 | $476,000 | $64,000 | $216,000 |
| Application Withdrawn By Applicant | 43 | $8,379,000 | $194,000 | $780,000 | $111,000 | $575,000 |
| Application Approved But Not Accepted | 33 | $6,269,000 | $189,000 | $750,000 | $122,000 | $457,000 |
| File Closed For Incompleteness | 25 | $6,152,000 | $246,000 | $415,000 | $187,000 | $800,000 |
| 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 | 31 | $5,784,000 | $186,000 | $386,000 | $58,000 | $172,000 |
| Collateral | 23 | $4,696,000 | $204,000 | $593,000 | $114,000 | $367,000 |
| Credit History | 19 | $2,384,000 | $125,000 | $259,000 | $63,000 | $235,000 |
| Other | 9 | $1,918,000 | $213,000 | $851,000 | $108,000 | $505,000 |
| Credit Application Incomplete | 4 | $527,000 | $131,000 | $238,000 | $101,000 | $318,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $581,000 | $193,000 | $323,000 | $80,000 | $170,000 |
| Employment History | 2 | $353,000 | $176,000 | $273,000 | $69,000 | $105,000 |
| 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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