Lamoille County, VT Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 1,090 mortgage applications in Lamoille County, VT totaling $394.1 million, up 3% from 2024. The average application was for $361,000, and applicants reported an average income of $226,000. 61% of applications resulted in an originated loan and 14% were denied. The most active lender was Eastrise Federal Credit Union, with 154 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 | 1,090 |
| Total Mortgage Loan Application Amount | $394,120,000 |
| Average Mortgage Loan Application Amount | $361,000 |
| Highest Mortgage Loan Application Amount | $8,005,000 |
| Average Applicant Income | $226,000 |
| Highest Applicant Income | $3,157,000 |
* 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 |
* | $ n/a | 154 | $ 33,450,000 |
| Northcountry Federal Credit Union PO BOX 64709 BURLINGTON, VT 05406 |
* | $ n/a | 106 | $ 15,490,000 |
| Union Bank 20 LOWER MAIN STREET PO BOX 667 MORRISVILLE, VT 05661 |
* | $ n/a | 84 | $ 26,640,000 |
| Vermont Federal Credit Union 275 KENNEDY DR SOUTH BURLINGTON, VT 05407 |
* | $ n/a | 42 | $ 10,060,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 39 | $ 15,825,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 36 | $ 15,130,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ n/a | 36 | $ 8,250,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 28 | $ 6,300,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ n/a | 24 | $ 9,540,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ n/a | 24 | $ 3,510,000 |
| Mascoma Bank 243 SYKES MOUNTAIN AVE BOX 4399 LEBANON, NH 03766 |
* | $ n/a | 23 | $ 15,395,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 22 | $ 20,570,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 21 | $ 5,905,000 |
| Passumpsic Bank 25 MR ARTHUR DRIVE CHESTERFIELD, NH 03466 |
* | $ n/a | 20 | $ 8,500,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 19 | $ 13,905,000 |
| Community National Bank 4811 US ROUTE 5 NEWPORT, VT 05855 |
* | $ n/a | 19 | $ 6,405,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 17 | $ 4,855,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 16 | $ 7,220,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 15 | $ 4,185,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 13 | $ 6,415,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 13 | $ 4,185,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 12 | $ 2,520,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 12 | $ 3,600,000 |
| Northfield Savings Bank 1021 PAINE TURNPIKE NORTH BERLIN, VT 05602 |
* | $ n/a | 12 | $ 12,810,000 |
| Peoples Trust Company of St. Albans 25 KINGMAN STREET, PO BOX 320 ST. ALBANS, VT 05478 |
* | $ n/a | 11 | $ 3,025,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 11 | $ 3,925,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 10 | $ 4,690,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 9 | $ 3,365,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 8 | $ 3,110,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 8 | $ 3,940,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 6 | $ 6,090,000 |
| The Camden National Bank 2 ELM STREET CAMDEN, ME 04843 |
* | $ n/a | 6 | $ 5,790,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ n/a | 6 | $ 6,380,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 5 | $ 1,125,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 5 | $ 1,515,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 5 | $ 2,365,000 |
| Lendsure Mortgage Corp. 16959 BERNARDO CENTER DR, #102 SAN DIEGO, CA 92128 |
* | $ n/a | 5 | $ 1,015,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 5 | $ 2,965,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 5 | $ 595,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 4 | $ 910,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ n/a | 4 | $ 2,810,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 4 | $ 2,630,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ n/a | 4 | $ 5,170,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 4 | $ 1,020,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ n/a | 3 | $ 4,745,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 3 | $ 1,015,000 |
| Leader Bank NA 141 MASSACHUSETTS AVENUE ARLINGTON, MA 02474 |
* | $ n/a | 3 | $ 1,485,000 |
| Citadel Servicing Corporation 15707 ROCKFIELD BLVD STE 320 IRVINE, CA 92618 |
* | $ n/a | 3 | $ 2,015,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 3 | $ 1,135,000 |
| Green Mountain Credit Union 25 WINOOSKI FALLS WAY SUITE 203 WINOOSKI, VT 05404 |
* | $ n/a | 3 | $ 305,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ n/a | 3 | $ 2,075,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 3 | $ 1,735,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 3 | $ 125,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 3 | $ 1,085,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ n/a | 3 | $ 2,355,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 3 | $ 635,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ n/a | 2 | $ 2,060,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ n/a | 2 | $ 1,190,000 |
| BNY Mellon, N.A. BOSTON, MA 02108 |
* | $ n/a | 2 | $ 1,810,000 |
| Verus 2001 M STREET SUITE 300 WASHINGTON, DC 20036 |
* | $ n/a | 2 | $ 620,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 2 | $ 80,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 2 | $ 580,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 2 | $ 640,000 |
| Colorado Federal Savings Bank 8400 E PRENTICE AVE STE 840 ENGLEWOOD, CO 80111 |
* | $ n/a | 2 | $ 1,170,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 120,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ n/a | 2 | $ 1,160,000 |
| One Credit Union 380 RIVER STREET SPRINGFIELD, VT 05156 |
* | $ n/a | 2 | $ 190,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ n/a | 2 | $ 610,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 2 | $ 340,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 2 | $ 1,190,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ n/a | 2 | $ 910,000 |
| 802 Credit Union 265 SOUTH MAIN STREET BARRE, VT 05641 |
* | $ n/a | 2 | $ 90,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 960,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 2 | $ 450,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 305,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 525,000 |
| Eagle Bank 350 BROADWAY EVERETT, MA 02149 |
* | $ n/a | 1 | $ 1,805,000 |
| State Departmenet Federal Credit Union 1630 KING STREET ALEXANDRIA, VA 22314 |
* | $ n/a | 1 | $ 85,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 195,000 |
| Webster Bank, N.A. 145 BANK STREET STAMFORD, CT 06901 |
* | $ n/a | 1 | $ 1,925,000 |
| Finemark National Bank & Trust 12681 CREEKSIDE LANE FORT MYERS, FL 33919 |
* | $ n/a | 1 | $ 2,005,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ n/a | 1 | $ 1,505,000 |
| Harborone Mortgage, LLC 1045 ELM ST SUITE 601 MANCHESTER, NH 03101 |
* | $ n/a | 1 | $ 685,000 |
| Bison State Bank 223 MAIN ST BISON, KS 67520 |
* | $ n/a | 1 | $ 705,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ n/a | 1 | $ 515,000 |
| Central One Federal Credit Union 714 MAIN ST SHREWSBURY, MA 01545 |
* | $ n/a | 1 | $ 375,000 |
| Raymond James Bank 710 CARILLON PARKWAY SAINT PETERSBURG, FL 33716 |
* | $ n/a | 1 | $ 655,000 |
| American Heritage Lending, LLC 19800 MACARTHUR BLVD SUITE 950 IRVINE, CA 92612 |
* | $ n/a | 1 | $ 175,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ n/a | 1 | $ 325,000 |
| The Northern Trust Co 50 S. LA SALLE CHICAGO, IL 60603 |
* | $ n/a | 1 | $ 1,405,000 |
| Bangor Savings Bank 19 MAINE AVENUE BANGOR, ME 04401 |
* | $ n/a | 1 | $ 315,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 1 | $ 195,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 1 | $ 125,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 445,000 |
| Northern Bank & Trust Company 275 MISHAWUM ROAD WOBURN, MA 01801 |
* | $ n/a | 1 | $ 1,005,000 |
| Home State Bank National Association 40 GRANT STREET CRYSTAL LAKE, IL 60014 |
* | $ n/a | 1 | $ 375,000 |
| Everett Co-Operative Bank 419 BROADWAY EVERETT, MA 02149 |
* | $ n/a | 1 | $ 455,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 335,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 1 | $ 355,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 295,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ n/a | 1 | $ 1,435,000 |
| Valon Mortgage 14647 S 50TH ST, STE A150 PHOENIX, AZ 85044 |
* | $ n/a | 1 | $ 375,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 1 | $ 455,000 |
| Norwich Commercial Group Inc 38 SECURITY DRIVE AVON, CT 06001 |
* | $ n/a | 1 | $ 235,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 595,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 325,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ n/a | 1 | $ 345,000 |
| Reliant Home Funding, Inc 445 BROADHOLLOW RD SUITE 334 MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 175,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ n/a | 1 | $ 1,085,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 155,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 1 | $ 385,000 |
| Usalliance Federal Credit Union 411 THEODORE FREMD AVE, SUITE 350 RYE, NY 10580 |
* | $ n/a | 1 | $ 365,000 |
| Champions Funding, LLC 365 E GERMANN RD #140 GILBERT, AZ 85297 |
* | $ n/a | 1 | $ 575,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 305,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 1 | $ 1,065,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ n/a | 1 | $ 125,000 |
| Cornerstone First Mortgage, LLC 2655 CAMINO DEL RIO N #450 SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 1,045,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 405,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 1 | $ 405,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ n/a | 1 | $ 335,000 |
| Msa Mortgage, LLC 5 FREMONT STREET WINTHROP, MA 02152 |
* | $ n/a | 1 | $ 305,000 |
The tables below break down 2025 mortgage applications in Lamoille 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 Lamoille County, VT in 2025
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 | 476 | $230,270,000 | $483,000 | $2,205,000 | $280,000 | $3,157,000 |
| Refinancing | 176 | $58,150,000 | $330,000 | $3,505,000 | $197,000 | $1,530,000 |
| Home Improvement | 166 | $25,950,000 | $156,000 | $905,000 | $194,000 | $1,875,000 |
| Cash-out Refinancing | 157 | $42,375,000 | $269,000 | $1,305,000 | $122,000 | $781,000 |
| Other Purpose | 113 | $36,735,000 | $325,000 | $8,005,000 | $248,000 | $2,183,000 |
| Not Applicable | 2 | $640,000 | $320,000 | $355,000 | $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 | 826 | $290,280,000 | $351,000 | $2,505,000 | $234,000 | $3,157,000 |
| Not Provided | 153 | $54,475,000 | $356,000 | $8,005,000 | $201,000 | $2,183,000 |
| Not applicable | 75 | $38,415,000 | $512,000 | $3,505,000 | $137,000 | $353,000 |
| Hispanic | 17 | $5,725,000 | $336,000 | $2,005,000 | $296,000 | $1,188,000 |
| Asian | 9 | $2,885,000 | $320,000 | $515,000 | $131,000 | $394,000 |
| Black or African American | 8 | $1,940,000 | $242,000 | $445,000 | $108,000 | $146,000 |
| American Indian or Alaskan Native | 2 | $400,000 | $200,000 | $295,000 | $96,000 | $132,000 |
| 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) | 972 | $354,310,000 | $364,000 | $8,005,000 | $238,000 | $3,157,000 |
| FHA-insured (Federal Housing Administration) | 72 | $19,780,000 | $274,000 | $495,000 | $89,000 | $256,000 |
| VA-guaranteed (Veterans Administration) | 45 | $19,715,000 | $438,000 | $915,000 | $159,000 | $408,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $315,000 | $315,000 | $315,000 | $4,000 | $4,000 |
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 | 666 | $248,390,000 | $372,000 | $8,005,000 | $240,000 | $2,183,000 |
| Application Denied By Financial Institution | 150 | $38,090,000 | $253,000 | $1,435,000 | $169,000 | $1,875,000 |
| Application Withdrawn By Applicant | 134 | $51,300,000 | $382,000 | $2,205,000 | $236,000 | $3,157,000 |
| Loan Purchased By The Institution | 62 | $25,750,000 | $415,000 | $1,885,000 | $194,000 | $1,767,000 |
| File Closed For Incompleteness | 53 | $21,795,000 | $411,000 | $2,205,000 | $238,000 | $2,007,000 |
| Application Approved But Not Accepted | 22 | $7,470,000 | $339,000 | $865,000 | $158,000 | $873,000 |
| Preapproval Approved but not Accepted | 3 | $1,325,000 | $441,000 | $475,000 | $373,000 | $638,000 |
| 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 | 937 | $352,365,000 | $376,000 | $8,005,000 | $234,000 | $3,157,000 |
| Debt-To-Income Ratio | 63 | $19,075,000 | $302,000 | $1,805,000 | $129,000 | $1,085,000 |
| Collateral | 32 | $9,610,000 | $300,000 | $1,285,000 | $290,000 | $1,875,000 |
| Credit History | 25 | $4,365,000 | $174,000 | $415,000 | $142,000 | $740,000 |
| Credit Application Incomplete | 12 | $2,980,000 | $248,000 | $775,000 | $142,000 | $358,000 |
| Other | 12 | $2,900,000 | $241,000 | $705,000 | $232,000 | $1,622,000 |
| Unverifiable Information | 5 | $1,975,000 | $395,000 | $1,435,000 | $244,000 | $662,000 |
| Employment History | 2 | $580,000 | $290,000 | $395,000 | $41,000 | $41,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $270,000 | $135,000 | $155,000 | $361,000 | $675,000 |
| 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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