Grand Isle County, VT Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 417 mortgage applications in Grand Isle County, VT totaling $78.5 million, down 8% from 2016. The average application was for $188,000, and applicants reported an average income of $118,000. 62% of applications resulted in an originated loan and 13% were denied. The most active lender was Eastrise Federal Credit Union, with 80 applications, followed by Northcountry Federal Credit Union 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 | 417 |
| Total Mortgage Loan Application Amount | $78,458,000 |
| Average Mortgage Loan Application Amount | $188,000 |
| Highest Mortgage Loan Application Amount | $994,000 |
| Average Applicant Income | $118,000 |
| Highest Applicant Income | $1,500,000 |
* 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 |
* | $ 1,173,036,000 | 80 | $ 15,223,000 |
| Northcountry Federal Credit Union PO BOX 64709 BURLINGTON, VT 05406 |
* | $ 511,263,000 | 37 | $ 3,901,000 |
| Vermont Federal Credit Union 275 KENNEDY DR SOUTH BURLINGTON, VT 05407 |
* | $ 476,463,000 | 36 | $ 4,050,000 |
| Union Bank 20 LOWER MAIN STREET PO BOX 667 MORRISVILLE, VT 05661 |
* | $ 690,498,000 | 25 | $ 7,018,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 14 | $ 3,408,000 |
| Vermont State Employees ONE BAILEY AVENUE MONTPELIER, VT 05602 |
* | $ 717,208,000 | 13 | $ 1,823,000 |
| Peoples Trust Company of St. Albans 25 KINGMAN STREET, PO BOX 320 ST. ALBANS, VT 05478 |
* | $ 254,301,000 | 11 | $ 1,806,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 10 | $ 2,494,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 9 | $ 1,636,000 |
| Passumpsic Bank 25 MR ARTHUR DRIVE CHESTERFIELD, NH 03466 |
* | $ -1,000 | 8 | $ 2,017,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 8 | $ 1,657,000 |
| Northfield Savings Bank 1021 PAINE TURNPIKE NORTH BERLIN, VT 05602 |
* | $ 904,883,000 | 7 | $ 1,866,000 |
| People's United Bank 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 40,287,450,000 | 7 | $ 870,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 8,604,114,000 | 7 | $ 973,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 6 | $ 1,483,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 6 | $ 1,173,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 5 | $ 827,000 |
| Lendus, LLC 3236 STONE VALLEY ROAD W ALAMO, CA 94507 |
* | $ 0 | 5 | $ 1,526,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 5 | $ 1,113,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 875,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 5 | $ 1,019,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 5 | $ 128,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 5 | $ 741,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 737,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 4 | $ 1,059,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 8,792,872,000 | 4 | $ 1,078,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 3 | $ 507,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 529,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 269,030,606,000 | 3 | $ 539,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 3 | $ 375,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 628,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 116,939,799,000 | 2 | $ 426,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 298,000 |
| Kittredge Mortgage Corporation 123 BONNET STREET MANCHESTER, VT 05254 |
* | $ -1,000 | 2 | $ 334,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 32,160,352,000 | 2 | $ 715,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 548,000 |
| Rbc Bank (Georgia), N.A. RALEIGH, NC 27607 |
* | $ 3,837,573,000 | 2 | $ 281,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,982,691,000 | 2 | $ 1,125,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 154,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 1 | $ 112,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 133,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ 89,030,433,000 | 1 | $ 191,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ 0 | 1 | $ 424,000 |
| National Bank of Middlebury 30 MAIN STREET MIDDLEBURY, VT 05753 |
* | $ 346,316,000 | 1 | $ 260,000 |
| Central One Federal Credit Union 714 MAIN ST SHREWSBURY, MA 01545 |
* | $ 442,965,000 | 1 | $ 199,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 1,850,010,000 | 1 | $ 195,000 |
| Finemark National Bank & Trust 12681 CREEKSIDE LANE FORT MYERS, FL 33919 |
* | $ 1,368,294,000 | 1 | $ 208,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 1 | $ 196,000 |
| Forethought Life Insurance Company 10 WEST MARKET STREET STE. 2300 INDIANAPOLIS, IN 46204 |
* | $ -1,000 | 1 | $ 157,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 568,425,000 | 1 | $ 192,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 173,000 |
| Acrisure Mortgage, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ -1,000 | 1 | $ 157,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 174,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 134,362,217,000 | 1 | $ 210,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,095,554,000 | 1 | $ 228,000 |
| United Bank 225 ASYLUM ST HARTFORD, CT 06103 |
* | $ 6,584,834,000 | 1 | $ 240,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 245,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 1 | $ 227,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 191,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ -1,000 | 1 | $ 211,000 |
| Harborone Mortgage, LLC 1045 ELM ST SUITE 601 MANCHESTER, NH 03101 |
* | $ -1,000 | 1 | $ 120,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 1 | $ 180,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 328,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 245,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 3,275,430,000 | 1 | $ 300,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 1 | $ 139,000 |
The tables below break down 2017 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 2017
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 | 204 | $44,949,000 | $220,000 | $700,000 | $119,000 | $610,000 |
| Refinancing | 145 | $28,646,000 | $197,000 | $994,000 | $127,000 | $1,500,000 |
| Home Improvement | 68 | $4,863,000 | $71,000 | $346,000 | $93,000 | $282,000 |
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 | 322 | $60,611,000 | $188,000 | $994,000 | $119,000 | $1,500,000 |
| Not Provided | 60 | $11,323,000 | $188,000 | $656,000 | $160,000 | $757,000 |
| Not applicable | 24 | $4,387,000 | $182,000 | $426,000 | $18,000 | $138,000 |
| Hispanic | 4 | $966,000 | $241,000 | $357,000 | $83,000 | $136,000 |
| American Indian or Alaskan Native | 3 | $365,000 | $121,000 | $191,000 | $31,000 | $50,000 |
| Asian | 2 | $361,000 | $180,000 | $205,000 | $115,000 | $173,000 |
| Black or African American | 2 | $445,000 | $222,000 | $265,000 | $59,000 | $86,000 |
| 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) | 336 | $62,112,000 | $184,000 | $994,000 | $128,000 | $900,000 |
| FHA-insured (Federal Housing Administration) | 36 | $7,082,000 | $196,000 | $348,000 | $61,000 | $193,000 |
| VA-guaranteed (Veterans Administration) | 29 | $6,317,000 | $217,000 | $400,000 | $109,000 | $1,500,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $2,947,000 | $184,000 | $258,000 | $41,000 | $105,000 |
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 | 258 | $50,482,000 | $195,000 | $994,000 | $128,000 | $757,000 |
| Application Denied By Financial Institution | 56 | $9,945,000 | $177,000 | $975,000 | $110,000 | $900,000 |
| Application Withdrawn By Applicant | 47 | $6,361,000 | $135,000 | $350,000 | $85,000 | $342,000 |
| Loan Purchased By The Institution | 27 | $5,025,000 | $186,000 | $433,000 | $59,000 | $472,000 |
| Application Approved But Not Accepted | 16 | $3,446,000 | $215,000 | $424,000 | $211,000 | $1,500,000 |
| File Closed For Incompleteness | 13 | $3,199,000 | $246,000 | $660,000 | $77,000 | $245,000 |
| 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 | 13 | $959,000 | $73,000 | $174,000 | $61,000 | $136,000 |
| Debt-To-Income Ratio | 12 | $1,979,000 | $164,000 | $331,000 | $68,000 | $119,000 |
| Collateral | 8 | $2,539,000 | $317,000 | $975,000 | $198,000 | $581,000 |
| Credit Application Incomplete | 3 | $528,000 | $176,000 | $186,000 | $334,000 | $900,000 |
| Other | 1 | $417,000 | $417,000 | $417,000 | $225,000 | $225,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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