Grand Isle County, VT Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 759 mortgage applications in Grand Isle County, VT totaling $184.6 million, up 51% from 2019. The average application was for $243,000, and applicants reported an average income of $154,000. 62% of applications resulted in an originated loan and 12% were denied. The most active lender was Eastrise Federal Credit Union, with 171 applications, followed by Northcountry Federal Credit Union and Union 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 | 759 |
| Total Mortgage Loan Application Amount | $184,645,000 |
| Average Mortgage Loan Application Amount | $243,000 |
| Highest Mortgage Loan Application Amount | $1,835,000 |
| Average Applicant Income | $154,000 |
| Highest Applicant Income | $2,705,000 |
* 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 |
* | $ 1,415,180,000 | 171 | $ 35,595,000 |
| Northcountry Federal Credit Union PO BOX 64709 BURLINGTON, VT 05406 |
* | $ 656,233,000 | 58 | $ 10,000,000 |
| Union Bank 20 LOWER MAIN STREET PO BOX 667 MORRISVILLE, VT 05661 |
* | $ 872,287,000 | 49 | $ 15,265,000 |
| Vermont Federal Credit Union 275 KENNEDY DR SOUTH BURLINGTON, VT 05407 |
* | $ 588,040,000 | 38 | $ 5,010,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 32 | $ 8,280,000 |
| People's United Bank 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 58,343,490,000 | 24 | $ 8,330,000 |
| Passumpsic Bank 25 MR ARTHUR DRIVE CHESTERFIELD, NH 03466 |
* | $ -1,000 | 24 | $ 6,880,000 |
| Vermont State Employees ONE BAILEY AVENUE MONTPELIER, VT 05602 |
* | $ 842,398,000 | 23 | $ 4,715,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 320,471,996,000 | 19 | $ 4,855,000 |
| Peoples Trust Company of St. Albans 25 KINGMAN STREET, PO BOX 320 ST. ALBANS, VT 05478 |
* | $ 267,676,000 | 19 | $ 3,725,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 143,390,269,000 | 18 | $ 5,180,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 11,209,976,000 | 16 | $ 2,570,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 15 | $ 3,235,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 14 | $ 2,790,000 |
| Draper and Kramer Mortgage Corp. 1431 OPUS PLACE SUITE 200 WILMINGTON, DE 60515 |
* | $ -1,000 | 13 | $ 3,625,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 10 | $ 2,400,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 9 | $ 3,235,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 8 | $ 2,360,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 8 | $ 2,340,000 |
| Northfield Savings Bank 1021 PAINE TURNPIKE NORTH BERLIN, VT 05602 |
* | $ 1,059,033,000 | 7 | $ 2,405,000 |
| Mascoma Bank 243 SYKES MOUNTAIN AVE BOX 4399 LEBANON, NH 03766 |
* | $ -1,000 | 7 | $ 2,715,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 7 | $ 1,515,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 6 | $ 1,450,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 6 | $ 1,250,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 5 | $ 1,095,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 5 | $ 1,225,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 5 | $ 915,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 5 | $ 885,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 4 | $ 790,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 4 | $ 670,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 4 | $ 1,040,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 3 | $ 1,015,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 3 | $ 1,465,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 965,305,000 | 3 | $ 1,035,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 3 | $ 1,475,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ -1,000 | 3 | $ 865,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 3 | $ 605,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 3 | $ 1,045,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 3 | $ 1,495,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,453,998,000,000 | 3 | $ 2,055,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 3 | $ 785,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 875,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 313,272,000 | 2 | $ 310,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 2 | $ 710,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 830,000 |
| Paramount Bank 90 VILLAGE SQUARE SHOPPING CENTER HAZELWOOD, MO 63042 |
* | $ 104,250,000 | 2 | $ 400,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,503,779,000 | 2 | $ 630,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 140,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 9,642,935,000 | 2 | $ 230,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 2 | $ 470,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 720,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 2 | $ 490,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 2 | $ 90,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 400,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 41,950,721,000 | 1 | $ 155,000 |
| Keller Mortgage, LLC AUSTIN, TX 78746 |
* | $ -1,000 | 1 | $ 195,000 |
| Bangor Savings Bank 19 MAINE AVENUE BANGOR, ME 04401 |
* | $ 4,733,474,000 | 1 | $ 155,000 |
| Goldman Sachs Bank USA 200 WEST STREET NEW YORK, NY 10282 |
* | $ 228,836,000,000 | 1 | $ 475,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 155,000 |
| US Mortgage Corporation 201 OLD COUNTRY ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 245,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 216,654,000,000 | 1 | $ 255,000 |
| Cfbank NA 4960 E DUBLIN GRANVILLE RD SUITE 400 COLUMBUS, OH 43081 |
* | $ 879,238,000 | 1 | $ 275,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,289,704,000 | 1 | $ 415,000 |
| Rollstone Bank & Trust PO BOX 8208 FITCHBURG, MA 01420 |
* | $ 694,701,000 | 1 | $ 515,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 1 | $ 175,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 397,703,264,000 | 1 | $ 1,835,000 |
| 802 Credit Union 265 SOUTH MAIN STREET BARRE, VT 05641 |
* | $ 138,905,000 | 1 | $ 45,000 |
| Advisors Mortgage Group, LLC 1411 HIGHWAY 35 OCEAN, NJ 07712 |
* | $ -1,000 | 1 | $ 225,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 115,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 315,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 305,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 1 | $ 315,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 14,144,676,000 | 1 | $ 255,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 175,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 167,492,000,000 | 1 | $ 495,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 707,275,000 | 1 | $ 375,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 495,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 83,036,000,000 | 1 | $ 535,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 1 | $ 305,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 275,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 245,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 155,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 167,845,100,000 | 1 | $ 285,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 1 | $ 35,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 2,142,154,000 | 1 | $ 335,000 |
The tables below break down 2020 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 2020
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 | 266 | $63,670,000 | $239,000 | $865,000 | $143,000 | $978,000 |
| Home Purchase | 240 | $68,660,000 | $286,000 | $1,835,000 | $172,000 | $2,705,000 |
| Cash-out Refinancing | 167 | $41,695,000 | $249,000 | $955,000 | $145,000 | $2,471,000 |
| Home Improvement | 41 | $4,785,000 | $116,000 | $505,000 | $125,000 | $450,000 |
| Other Purpose | 41 | $5,275,000 | $128,000 | $555,000 | $184,000 | $1,951,000 |
| Not Applicable | 4 | $560,000 | $140,000 | $185,000 | $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 | 577 | $138,265,000 | $239,000 | $1,645,000 | $155,000 | $2,705,000 |
| Not Provided | 132 | $34,110,000 | $258,000 | $1,835,000 | $153,000 | $740,000 |
| Not applicable | 30 | $7,030,000 | $234,000 | $495,000 | $136,000 | $231,000 |
| Hispanic | 10 | $3,150,000 | $315,000 | $855,000 | $199,000 | $697,000 |
| American Indian or Alaskan Native | 6 | $1,080,000 | $180,000 | $365,000 | $56,000 | $91,000 |
| Asian | 2 | $440,000 | $220,000 | $265,000 | $210,000 | $377,000 |
| Black or African American | 1 | $165,000 | $165,000 | $165,000 | $28,000 | $28,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $405,000 | $405,000 | $405,000 | $377,000 | $377,000 |
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) | 651 | $158,765,000 | $243,000 | $1,835,000 | $161,000 | $2,705,000 |
| VA-guaranteed (Veterans Administration) | 53 | $14,495,000 | $273,000 | $725,000 | $106,000 | $328,000 |
| FHA-insured (Federal Housing Administration) | 40 | $8,360,000 | $209,000 | $375,000 | $71,000 | $293,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $3,025,000 | $201,000 | $265,000 | $61,000 | $94,000 |
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 | 470 | $124,970,000 | $265,000 | $1,835,000 | $164,000 | $2,705,000 |
| Application Withdrawn By Applicant | 113 | $22,925,000 | $202,000 | $955,000 | $162,000 | $2,471,000 |
| Application Denied By Financial Institution | 91 | $17,845,000 | $196,000 | $855,000 | $88,000 | $697,000 |
| File Closed For Incompleteness | 34 | $6,850,000 | $201,000 | $735,000 | $162,000 | $921,000 |
| Loan Purchased By The Institution | 33 | $8,695,000 | $263,000 | $1,005,000 | $183,000 | $432,000 |
| Application Approved But Not Accepted | 18 | $3,360,000 | $186,000 | $515,000 | $134,000 | $481,000 |
| 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 | 668 | $166,800,000 | $249,000 | $1,835,000 | $163,000 | $2,705,000 |
| Debt-To-Income Ratio | 32 | $5,960,000 | $186,000 | $405,000 | $57,000 | $127,000 |
| Credit History | 28 | $4,050,000 | $144,000 | $395,000 | $61,000 | $171,000 |
| Collateral | 11 | $2,805,000 | $255,000 | $855,000 | $203,000 | $697,000 |
| Credit Application Incomplete | 9 | $2,125,000 | $236,000 | $375,000 | $118,000 | $246,000 |
| Other | 5 | $1,265,000 | $253,000 | $365,000 | $95,000 | $156,000 |
| Unverifiable Information | 5 | $1,435,000 | $287,000 | $605,000 | $157,000 | $455,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $205,000 | $205,000 | $205,000 | $89,000 | $89,000 |
| 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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