Grand Isle County, VT Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 516 mortgage applications in Grand Isle County, VT totaling $99.0 million, down 23% from 2012. The average application was for $191,000, and applicants reported an average income of $104,000. 62% of applications resulted in an originated loan and 13% were denied. The most active lender was Eastrise Federal Credit Union, with 109 applications, followed by Wells Fargo Bank NA and Northcountry 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 | 516 |
| Total Mortgage Loan Application Amount | $99,008,000 |
| Average Mortgage Loan Application Amount | $191,000 |
| Highest Mortgage Loan Application Amount | $1,635,000 |
| Average Applicant Income | $104,000 |
| Highest Applicant Income | $1,280,000 |
* 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 |
* | $ 916,154,000 | 109 | $ 18,262,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 34 | $ 7,977,000 |
| Northcountry Federal Credit Union PO BOX 64709 BURLINGTON, VT 05406 |
* | $ 413,483,000 | 24 | $ 2,712,000 |
| Merchants Bank PO BOX 1009 BURLINGTON, VT 05402 |
* | $ 1,712,663,000 | 21 | $ 4,015,000 |
| Vermont Federal Credit Union 275 KENNEDY DR SOUTH BURLINGTON, VT 05407 |
* | $ 364,485,000 | 20 | $ 2,155,000 |
| Peoples Trust Company of St. Albans 25 KINGMAN STREET, PO BOX 320 ST. ALBANS, VT 05478 |
* | $ 239,729,000 | 18 | $ 2,311,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 17 | $ 3,030,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 203,985,615,000 | 16 | $ 3,563,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 15 | $ 4,353,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 15 | $ 2,175,000 |
| Union Bank 20 LOWER MAIN STREET PO BOX 667 MORRISVILLE, VT 05661 |
* | $ 576,264,000 | 15 | $ 2,772,000 |
| Mortgage Financial Inc 170 MAIN STREET, SUITE 108 TEWKSBURY, MA 01876 |
* | $ 10,000,000 | 14 | $ 3,244,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 14 | $ 2,859,000 |
| Vermont State Employees ONE BAILEY AVENUE MONTPELIER, VT 05602 |
* | $ 601,768,000 | 13 | $ 2,040,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 104,823,994,000 | 10 | $ 2,877,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 9 | $ 1,552,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 9 | $ 1,402,000 |
| People's United Bank 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 30,087,088,000 | 8 | $ 1,056,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 7 | $ 1,863,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 7 | $ 1,202,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 7 | $ 1,522,000 |
| Newrez Ventures LLC 4000 W. BROWN DEER ROAD SPRINGFIELD, IL 53209 |
* | $ 1,270,503,000 | 6 | $ 1,477,000 |
| Northfield Savings Bank 1021 PAINE TURNPIKE NORTH BERLIN, VT 05602 |
* | $ 731,341,000 | 6 | $ 1,137,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 5 | $ 616,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 4 | $ 638,000 |
| Passumpsic Bank 25 MR ARTHUR DRIVE CHESTERFIELD, NH 03466 |
* | $ 306,000,000 | 4 | $ 1,265,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 3 | $ 905,000 |
| Lendus, LLC 3236 STONE VALLEY ROAD W ALAMO, CA 94507 |
* | $ 10,000,000 | 3 | $ 770,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 87,043,364,000 | 3 | $ 184,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 3 | $ 642,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 3 | $ 778,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,532,278,000 | 2 | $ 289,000 |
| Kittredge Mortgage Corporation 123 BONNET STREET MANCHESTER, VT 05254 |
* | $ 7,088,000 | 2 | $ 501,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ 10,000,000 | 2 | $ 405,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 2 | $ 592,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 2 | $ 366,000 |
| Rbc Bank (Georgia), N.A. 8081 ARCO CORPORATE DRIVE RALEIGH, NC 27617 |
* | $ 2,972,167,000 | 2 | $ 406,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 350,904,000 | 2 | $ 654,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 227,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 154,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 167,000 |
| One Credit Union 380 RIVER STREET SPRINGFIELD, VT 05156 |
* | $ 130,363,000 | 1 | $ 132,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 5,784,213,000 | 1 | $ 417,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 325,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 315,000 |
| Lake Sunapee Bank 9 MAIN ST NEWPORT, NH 03773 |
* | $ 1,268,609,000 | 1 | $ 800,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 429,180,000 | 1 | $ 256,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 5,164,405,000 | 1 | $ 25,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 237,816,000 | 1 | $ 393,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 131,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 669,944,000 | 1 | $ 297,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 243,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 350,000 |
| Apex Bank 102 E MAIN ST CAMDEN, TN 38320 |
* | $ 250,414,000 | 1 | $ 26,000 |
| Toyota Financial Savings Bank 2485 VILLAGE VIEW DRIVE, SUITE 200 HENDERSON, NV 89074 |
* | $ 872,814,000 | 1 | $ 548,000 |
| Continental Home Loans Inc. 175 PINELAWN ROAD, SUITE 303 MELVILLE, NY 11747 |
* | $ 14,386,000 | 1 | $ 155,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 201,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 289,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 1 | $ 1,635,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 83,081,838,000 | 1 | $ 137,000 |
| Webster Bank, N.A. 145 BANK STREET STAMFORD, CT 06901 |
* | $ 20,113,089,000 | 1 | $ 300,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Gateway Funding Dms, LP 300 WELSH ROAD, BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 1 | $ 158,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 85,810,000,000 | 1 | $ 392,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 94,795,926,000 | 1 | $ 50,000 |
| Military Family Home Loans, Ll 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 1,102,281,049,000 | 1 | $ 76,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 1 | $ 393,000 |
| First National Bank of Layton 1601 N. HILLFIELD ROAD LAYTON, UT 84041 |
* | $ 268,686,000 | 1 | $ 259,000 |
| Central One Federal Credit Union 714 MAIN ST SHREWSBURY, MA 01545 |
* | $ 365,259,000 | 1 | $ 190,000 |
| Hanscom Federal Credit Union 1610 EGLIN ST HANSCOM AFB, MA 01731 |
* | $ 1,010,075,000 | 1 | $ 208,000 |
The tables below break down 2013 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 2013
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 | 310 | $63,018,000 | $203,000 | $1,635,000 | $110,000 | $1,280,000 |
| Home Purchase | 151 | $30,271,000 | $200,000 | $548,000 | $99,000 | $754,000 |
| Home Improvement | 55 | $5,719,000 | $103,000 | $400,000 | $88,000 | $485,000 |
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 | 425 | $80,599,000 | $189,000 | $1,635,000 | $105,000 | $1,280,000 |
| Not Provided | 52 | $11,582,000 | $222,000 | $1,300,000 | $136,000 | $744,000 |
| Not applicable | 22 | $4,216,000 | $191,000 | $500,000 | $26,000 | $186,000 |
| Asian | 5 | $828,000 | $165,000 | $219,000 | $125,000 | $269,000 |
| Hispanic | 5 | $747,000 | $149,000 | $200,000 | $62,000 | $90,000 |
| American Indian or Alaskan Native | 3 | $491,000 | $163,000 | $220,000 | $130,000 | $189,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $165,000 | $82,000 | $109,000 | $72,000 | $96,000 |
| Black or African American | 2 | $380,000 | $190,000 | $216,000 | $68,000 | $69,000 |
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) | 462 | $88,405,000 | $191,000 | $1,635,000 | $110,000 | $1,280,000 |
| FHA-insured (Federal Housing Administration) | 23 | $4,233,000 | $184,000 | $324,000 | $53,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $3,541,000 | $168,000 | $284,000 | $47,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 10 | $2,829,000 | $282,000 | $758,000 | $73,000 | $184,000 |
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 | 318 | $61,824,000 | $194,000 | $1,635,000 | $117,000 | $1,280,000 |
| Application Denied By Financial Institution | 68 | $11,772,000 | $173,000 | $1,300,000 | $69,000 | $378,000 |
| Loan Purchased By The Institution | 51 | $10,313,000 | $202,000 | $417,000 | $74,000 | $374,000 |
| Application Withdrawn By Applicant | 42 | $8,594,000 | $204,000 | $565,000 | $119,000 | $490,000 |
| Application Approved But Not Accepted | 26 | $3,882,000 | $149,000 | $417,000 | $80,000 | $205,000 |
| File Closed For Incompleteness | 11 | $2,623,000 | $238,000 | $417,000 | $103,000 | $345,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 18 | $3,513,000 | $195,000 | $1,300,000 | $100,000 | $378,000 |
| Debt-To-Income Ratio | 17 | $2,517,000 | $148,000 | $417,000 | $37,000 | $129,000 |
| Credit History | 13 | $1,739,000 | $133,000 | $648,000 | $68,000 | $172,000 |
| Unverifiable Information | 4 | $794,000 | $198,000 | $260,000 | $69,000 | $105,000 |
| Other | 3 | $382,000 | $127,000 | $199,000 | $94,000 | $131,000 |
| Credit Application Incomplete | 3 | $654,000 | $218,000 | $315,000 | $64,000 | $92,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $660,000 | $660,000 | $660,000 | $181,000 | $181,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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