Lamoille County, VT Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 1,518 mortgage applications in Lamoille County, VT totaling $299.0 million, down 17% from 2010. The average application was for $196,000, and applicants reported an average income of $109,000. 56% of applications resulted in an originated loan and 16% were denied. The most active lender was Union Bank, with 228 applications, followed by Wells Fargo Bank NA and TD Bank.

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Total Number of Mortgage Applications 1,518
Total Mortgage Loan Application Amount $298,960,000
Average Mortgage Loan Application Amount $196,000
Highest Mortgage Loan Application Amount $1,840,000
Average Applicant Income $109,000
Highest Applicant Income $3,187,000

Mortgage Company List for Lending in Lamoille County, VT for 2011

* 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
Union Bank
20 LOWER MAIN STREET PO BOX 667
MORRISVILLE, VT 05661
* $ 453,245,000 228 $ 32,795,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 124 $ 27,961,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 179,970,802,000 80 $ 16,849,000
Vermont State Employees
ONE BAILEY AVENUE
MONTPELIER, VT 05602
* $ 538,577,000 78 $ 9,400,000
Eastrise Federal Credit Union
141 HARVEST LANE
WILLISTON, VT 05495
* $ 797,220,000 70 $ 10,268,000
People's United Bank
850 MAIN STREET
BRIDGEPORT, CT 06604
* $ 24,650,366,000 67 $ 14,439,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 63 $ 12,528,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 62 $ 12,831,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 51 $ 10,106,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 51 $ 15,083,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 50 $ 11,060,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 46 $ 9,530,000
Mortgage Financial Inc
170 MAIN STREET, SUITE 108
TEWKSBURY, MA 01876
* $ 10,000,000 44 $ 7,820,000
Merchants Bank
PO BOX 1009
BURLINGTON, VT 05402
* $ 1,490,871,000 43 $ 5,362,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 40 $ 9,132,000
Community National Bank
4811 US ROUTE 5
NEWPORT, VT 05855
* $ 545,104,000 32 $ 4,492,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 30 $ 6,840,000
Northcountry Federal Credit Union
PO BOX 64709
BURLINGTON, VT 05406
* $ 297,520,000 24 $ 2,178,000
Guaranty Bank
501 W NORTHSHORE DR. SUITE 400
GLENDALE, WI 53217
* $ 1,270,503,000 19 $ 4,244,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 17 $ 5,454,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 16 $ 3,263,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 14 $ 3,402,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 14 $ 4,003,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 109,283,991,000 12 $ 3,526,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 12 $ 2,426,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 12 $ 2,797,000
Vermont Federal Credit Union
275 KENNEDY DR
SOUTH BURLINGTON, VT 05407
* $ 300,447,000 11 $ 1,402,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 10 $ 1,385,000
Shelter Mortgage Company, LLC
4000 W BROWN DEER ROAD
BROWN DEER, WI 53209
* $ 1,270,503,000 10 $ 1,861,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,285,622,000 9 $ 1,594,000
Northfield Savings Bank
1021 PAINE TURNPIKE NORTH
BERLIN, VT 05602
* $ 629,919,000 9 $ 2,171,000
Passumpsic Bank
25 MR ARTHUR DRIVE
CHESTERFIELD, NH 03466
* $ 306,000,000 9 $ 2,165,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 8 $ 1,813,000
Lendus, LLC
3236 STONE VALLEY ROAD W
ALAMO, CA 94507
* $ 10,000,000 7 $ 1,677,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 6 $ 1,068,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 5 $ 1,003,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 85,930,126,000 5 $ 677,000
Mortgage Master, Inc.
102 ELM STREET
WALPOLE, MA 02081
* $ 11,250,346,000 5 $ 2,893,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 4 $ 751,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 4 $ 315,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 4 $ 453,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 4 $ 560,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 56,866,447,000 3 $ 1,436,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,312,000,000 3 $ 767,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 3 $ 1,239,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 3 $ 980,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 2 $ 505,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 2 $ 588,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 2 $ 202,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 2 $ 502,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 2 $ 326,000
UBS Ag, Tampa Branch
3000 BAYPORT
TAMPA, FL 33607
* $ 1,400,000,000 2 $ 538,000
Home Savings of America
35 E BROADWAY
LITTLE FALLS, MN 56345
* $ 457,501,000 2 $ 463,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 91,413,704,000 2 $ 1,870,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 7,724,367,000 2 $ 766,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,104,501,000 2 $ 1,235,000
Talmer Bank and Trust
2301 W. BIG BEAVER RD., SUITE 200
TROY, MI 48084
* $ 1,691,253,000 2 $ 497,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,001,416,000 2 $ 76,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 555,205,000 2 $ 298,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 1 $ 76,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 1,662,674,000 1 $ 140,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 213,864,000 1 $ 135,000
Berkshire Bank

ALBANY, NY 12207
* $ 2,845,217,000 1 $ 311,000
The Washington Trust Company, of Westerly
23 BROAD STREET
WESTERLY, RI 02891
* $ 2,905,666,000 1 $ 198,000
Boston Private Bank & Trust Co
TEN POST OFFICE SQUARE
BOSTON, MA 02109
* $ 3,448,880,000 1 $ 1,050,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 502,376,000 1 $ 235,000
Georgia Banking Company
6190 POWERS FERRY ROAD, SUITE 150
ATLANTA, GA 30309
* $ 242,561,000 1 $ 162,000
Sidus Financial, LLC
701 GREEN VALLEY ROAD, SUITE 101
GREENSBORO, NC 27408
* $ 10,000,000 1 $ 185,000
Clearview Federal Credit Union
8805 UNIVERSITY BLVD
MOON TOWNSHIP, PA 15108
* $ 698,690,000 1 $ 25,000
802 Credit Union
265 SOUTH MAIN STREET
BARRE, VT 05641
* $ 66,045,000 1 $ 65,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 7,592,420,000 1 $ 93,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 1,444,690,000 1 $ 159,000
Service Federal Credit Union
3003 LAFAYETTE ROAD
PORTSMOUTH, NH 03801
* $ 1,747,813,000 1 $ 10,000
Merrimack Mortgage Company, in
1045 ELM STREET, SUITE 601
MANCHESTER, NH 03101
* $ 10,000,000 1 $ 254,000
Provident Funding Group Inc
851 TRAEGER AVENUE, SUITE 100
SAN BRUNO, CA 94066
* $ 2,200,000,000 1 $ 365,000
Webster Bank, N.A.
145 BANK STREET
STAMFORD, CT 06901
* $ 17,769,872,000 1 $ 110,000
Goldman Sachs Bank USA
200 WEST STREET
NEW YORK, NY 10282
* $ 88,832,000,000 1 $ 600,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 1 $ 450,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 31,465,215,000 1 $ 667,000
Merrill Lynch Credit Corp
30930 RUSSELL RANCH RD CA6-916-01-14
WESTLAKE VILLAGE, CA 91362
* $ 2,223,299,000 1 $ 157,000
Lake Sunapee Bank
9 MAIN ST
NEWPORT, NH 03773
* $ 992,307,000 1 $ 125,000
Granite Bank
132 MAIN STREET
COLEBROOK, NH 03576
* $ 224,651,000 1 $ 304,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 1 $ 330,000
Farmers Bank and Trust NA
1017 HARRISON
GREAT BEND, KS 67530
* $ 665,875,000 1 $ 393,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 652,138,000 1 $ 200,000
Leader Bank NA
141 MASSACHUSETTS AVENUE
ARLINGTON, MA 02474
* $ 365,735,000 1 $ 300,000
BNC National Bank

BISMARCK, ND 58501
* $ 745,184,000 1 $ 113,000
Grand Bank, National Association
2297 HWY 33
HAMILTON, NJ 08690
* $ 424,689,000 1 $ 263,000
Edward Jones Mortgage, LLC
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,783,443,000 1 $ 140,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 180,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 168,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 185,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 126,719,736,000 1 $ 503,000
W. J. Bradley Mortgage Capital
6465 GREENWOOD PLAZA BLVD, SUITE 500
CENTENNIAL, CO 80111
* $ 10,000,000 1 $ 202,000
E*Trade Bank
671 NORTH GLEBE ROAD, 12TH FLOOR
ARLINGTON, VA 22203
* $ 44,883,561,000 1 $ 384,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 1 $ 212,000
Msa Mortgage, LLC
5 FREMONT STREET
WINTHROP, MA 02152
* $ 10,000,000 1 $ 259,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 1 $ 115,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ 4,464,000 1 $ 250,000
First National Bank of Layton
1601 N. HILLFIELD ROAD
LAYTON, UT 84041
* $ 256,084,000 1 $ 155,000
Walker Jackson Mortgage Corpor
14501 GEORGE CARTER WAY
CHANTILLY, VA 20151
* $ 292,944,000 1 $ 213,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 171,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 1 $ 168,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 1 $ 395,000

The tables below break down 2011 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 2011

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 1,028 $210,403,000 $204,000 $1,840,000 $110,000 $3,187,000
Home Purchase 343 $75,347,000 $219,000 $1,238,000 $123,000 $2,960,000
Home Improvement 147 $13,210,000 $89,000 $475,000 $68,000 $505,000

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 1,202 $228,781,000 $190,000 $1,840,000 $115,000 $3,187,000
Not Provided 146 $34,981,000 $239,000 $1,231,000 $149,000 $1,783,000
Not applicable 145 $30,417,000 $209,000 $1,320,000 $15,000 $220,000
Hispanic 13 $2,826,000 $217,000 $425,000 $136,000 $306,000
American Indian or Alaskan Native 5 $1,102,000 $220,000 $431,000 $42,000 $78,000
Black or African American 4 $198,000 $49,000 $105,000 $83,000 $132,000
Asian 2 $483,000 $241,000 $264,000 $351,000 $454,000
Native Hawaiian or Other Pacific Islander 1 $172,000 $172,000 $172,000 $57,000 $57,000

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) 1,328 $261,909,000 $197,000 $1,840,000 $118,000 $3,187,000
FHA-insured (Federal Housing Administration) 103 $18,843,000 $182,000 $431,000 $50,000 $129,000
VA-guaranteed (Veterans Administration) 47 $11,564,000 $246,000 $998,000 $50,000 $230,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 40 $6,644,000 $166,000 $238,000 $32,000 $68,000

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 846 $163,796,000 $193,000 $1,840,000 $123,000 $3,187,000
Application Denied By Financial Institution 237 $49,106,000 $207,000 $1,238,000 $105,000 $1,205,000
Loan Purchased By The Institution 221 $43,681,000 $197,000 $577,000 $61,000 $1,347,000
Application Withdrawn By Applicant 127 $25,233,000 $198,000 $985,000 $118,000 $1,388,000
Application Approved But Not Accepted 50 $9,645,000 $192,000 $692,000 $89,000 $318,000
File Closed For Incompleteness 37 $7,499,000 $202,000 $496,000 $89,000 $407,000
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 68 $13,186,000 $193,000 $940,000 $71,000 $702,000
Credit History 55 $7,351,000 $133,000 $700,000 $74,000 $419,000
Collateral 52 $14,368,000 $276,000 $1,238,000 $167,000 $1,205,000
Other 7 $1,665,000 $237,000 $425,000 $208,000 $425,000
Unverifiable Information 4 $902,000 $225,000 $250,000 $141,000 $185,000
Insufficient Cash (Downpayment, Closing Cost) 4 $779,000 $194,000 $300,000 $86,000 $116,000
Credit Application Incomplete 4 $887,000 $221,000 $335,000 $158,000 $291,000
Employment History 3 $231,000 $77,000 $129,000 $69,000 $92,000
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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