Lamoille County, VT Mortgage Lenders & HMDA Data, 2013

In 2013, lenders reported 1,637 mortgage applications in Lamoille County, VT totaling $318.7 million, down 6% from 2012. The average application was for $194,000, and applicants reported an average income of $125,000. 55% of applications resulted in an originated loan and 17% were denied. The most active lender was Union Bank, with 250 applications, followed by Wells Fargo Bank NA and Eastrise 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 1,637
Total Mortgage Loan Application Amount $318,659,000
Average Mortgage Loan Application Amount $194,000
Highest Mortgage Loan Application Amount $3,400,000
Average Applicant Income $125,000
Highest Applicant Income $9,999,000

Mortgage Company List for Lending in Lamoille County, VT for 2013

* 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
* $ 576,264,000 250 $ 42,178,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,266,125,000,000 116 $ 24,083,000
Eastrise Federal Credit Union
141 HARVEST LANE
WILLISTON, VT 05495
* $ 916,154,000 106 $ 15,994,000
Vermont State Employees
ONE BAILEY AVENUE
MONTPELIER, VT 05602
* $ 601,768,000 104 $ 13,379,000
Mortgage Financial Inc
170 MAIN STREET, SUITE 108
TEWKSBURY, MA 01876
* $ 10,000,000 86 $ 17,245,000
People's United Bank
850 MAIN STREET
BRIDGEPORT, CT 06604
* $ 30,087,088,000 86 $ 20,354,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 203,985,615,000 79 $ 14,471,000
Merchants Bank
PO BOX 1009
BURLINGTON, VT 05402
* $ 1,712,663,000 78 $ 11,809,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,896,773,000,000 60 $ 13,363,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,474,077,383,000 43 $ 10,782,000
Northcountry Federal Credit Union
PO BOX 64709
BURLINGTON, VT 05406
* $ 413,483,000 40 $ 3,997,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,313,401,000,000 37 $ 9,330,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 18,212,833,000 33 $ 7,613,000
Community National Bank
4811 US ROUTE 5
NEWPORT, VT 05855
* $ 574,914,000 32 $ 5,581,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 345,088,616,000 31 $ 5,193,000
Vermont Federal Credit Union
275 KENNEDY DR
SOUTH BURLINGTON, VT 05407
* $ 364,485,000 27 $ 4,010,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 23 $ 3,809,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 178,034,172,000 23 $ 5,180,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 58,597,476,000 23 $ 4,538,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 23 $ 3,678,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 21 $ 3,742,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 18 $ 3,896,000
Passumpsic Bank
25 MR ARTHUR DRIVE
CHESTERFIELD, NH 03466
* $ 306,000,000 15 $ 3,999,000
Discover Home Loans, Inc.
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 73,491,315,000 14 $ 2,490,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 104,823,994,000 13 $ 3,902,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 13 $ 2,209,000
Northfield Savings Bank
1021 PAINE TURNPIKE NORTH
BERLIN, VT 05602
* $ 731,341,000 12 $ 1,892,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 6,680,971,000 10 $ 2,476,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 8 $ 1,848,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 8 $ 1,324,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 7 $ 1,545,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 7 $ 1,791,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 87,043,364,000 7 $ 919,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 295,026,390,000 4 $ 1,125,000
Norwich Commercial Group Inc
38 SECURITY DRIVE
AVON, CT 06001
* $ 17,789,000 4 $ 974,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 209,365,000 4 $ 829,000
Merrimack Mortgage Company, in
1045 ELM STREET, SUITE 601
MANCHESTER, NH 03101
* $ 10,000,000 4 $ 814,000
Mortgage Master
102 ELM STREET
WALPOLE, MA 02081
* $ 11,250,346,000 4 $ 1,900,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 4 $ 858,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 3 $ 387,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 3 $ 569,000
Kittredge Mortgage Corporation
123 BONNET STREET
MANCHESTER, VT 05254
* $ 7,088,000 3 $ 449,000
Peoples Trust Company of St. Albans
25 KINGMAN STREET, PO BOX 320
ST. ALBANS, VT 05478
* $ 239,729,000 3 $ 494,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 3 $ 587,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 3 $ 470,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 16,553,533,000 3 $ 3,720,000
First Republic Bank
111 PINE STREET
SAN FRANCISCO, CA 94111
* $ 34,387,677,000 3 $ 2,892,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 3 $ 565,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 83,081,838,000 3 $ 643,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,532,278,000 3 $ 404,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 52,436,123,000 2 $ 446,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 186,789,896,000 2 $ 2,656,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 169,076,807,000 2 $ 431,000
Edward Jones Mortgage, LLC
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,783,443,000 2 $ 330,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 47,738,052,000 2 $ 1,978,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 2 $ 422,000
Msa Mortgage, LLC
5 FREMONT STREET
WINTHROP, MA 02152
* $ 10,000,000 2 $ 308,000
BNC National Bank

BISMARCK, ND 58501
* $ 768,613,000 2 $ 451,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 4,736,022,000 2 $ 295,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 2 $ 299,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 2 $ 345,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 2 $ 381,000
802 Credit Union
265 SOUTH MAIN STREET
BARRE, VT 05641
* $ 77,197,000 2 $ 202,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 467,666,000 2 $ 377,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 2 $ 76,000
First Place Bank
185 EAST MARKET
WARREN, OH 44481
* $ 2,590,320,000 2 $ 631,000
Tiaa-Cref Trust Company FSB
211 NORTH BROADWAY, STE 1000
ST. LOUIS, MO 63102
* $ 2,308,229,000 1 $ 270,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 237,816,000 1 $ 180,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 2,872,587,000 1 $ 172,000
Guaranty Bank
501 W NORTHSHORE DR. SUITE 400
GLENDALE, WI 53217
* $ 1,134,936,000 1 $ 219,000
Fieldpoint Private Bank & Trus
100 FIELD POINT ROAD
GREENWICH, CT 06830
* $ 673,606,000 1 $ 1,000,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,232,230,000 1 $ 180,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,105,077,000 1 $ 117,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,864,946,000 1 $ 126,000
Newrez Ventures LLC
4000 W. BROWN DEER ROAD
SPRINGFIELD, IL 53209
* $ 1,270,503,000 1 $ 204,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ 669,944,000 1 $ 147,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 220,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 1 $ 210,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ 10,000,000 1 $ 175,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 5,784,213,000 1 $ 307,000
Community Bank the Chesapeake
3035 LEONARDTOWN ROAD
WALDORF, MD 20601
* $ 978,404,000 1 $ 484,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 1 $ 141,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ 826,484,000 1 $ 181,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 1 $ 220,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 210,000
Finex Credit Union
616 BURNSIDE AVENUE
EAST HARTFORD, CT 06108
* $ 77,482,000 1 $ 225,000
Emery Federal Credit Union
7890 EAST KEMPER ROAD
CINCINNATI, OH 45249
* $ 152,337,000 1 $ 225,000
Flagstar Bank NA

TROY, MI 49098
* $ 14,069,057,000 1 $ 180,000
Justice Federal Credit Union
5175 PARKSTONE DRIVE, STE. 200
CHANTILLY, VA 20151
* $ 595,867,000 1 $ 169,000
Patriot Bank
1815 LITTLE ROAD
TRINITY, FL 34655
* $ 120,124,000 1 $ 345,000
Franklin First Financial, Ltd
538 BROADHOLLOW ROAD
MELVILLE, NY 11747
* $ 36,249,000 1 $ 150,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ 10,000,000 1 $ 216,000
Lendus, LLC
3236 STONE VALLEY ROAD W
ALAMO, CA 94507
* $ 10,000,000 1 $ 375,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ 273,007,000 1 $ 139,000
New England Regional Mortgage

PORTSMOUTH, NH 03811
* $ 10,000,000 1 $ 281,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ 10,000,000 1 $ 235,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 350,904,000 1 $ 228,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 226,000
Capital Bank, N.A.
ONE CHURCH ST SUITE 300
ROCKVILLE, MD 20850
* $ 436,335,000 1 $ 317,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 426,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ 12,000,000 1 $ 52,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 1 $ 108,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 94,795,926,000 1 $ 130,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 85,810,000,000 1 $ 150,000
Military Family Home Loans, Ll
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 1,102,281,049,000 1 $ 221,000
Cit Bank, National Association
75 N. FAIR OAKS AVE.
PASADENA, CA 91103
* $ 25,893,829,000 1 $ 198,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 82,086,021,000 1 $ 1,550,000
BNY Mellon, N.A.

BOSTON, MA 02108
* $ 16,894,270,000 1 $ 800,000

The tables below break down 2013 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 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 1,001 $199,903,000 $199,000 $3,000,000 $125,000 $9,999,000
Home Purchase 452 $96,045,000 $212,000 $2,200,000 $140,000 $4,892,000
Home Improvement 184 $22,711,000 $123,000 $3,400,000 $88,000 $1,573,000

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 1,328 $252,720,000 $190,000 $3,000,000 $121,000 $9,999,000
Not Provided 172 $40,820,000 $237,000 $3,400,000 $190,000 $1,606,000
Not applicable 114 $21,189,000 $185,000 $661,000 $80,000 $2,716,000
Hispanic 10 $1,775,000 $177,000 $512,000 $117,000 $315,000
American Indian or Alaskan Native 7 $1,096,000 $156,000 $300,000 $77,000 $185,000
Asian 3 $777,000 $259,000 $281,000 $170,000 $236,000
Black or African American 3 $282,000 $94,000 $157,000 $49,000 $82,000
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) 1,433 $280,587,000 $195,000 $3,400,000 $136,000 $9,999,000
FHA-insured (Federal Housing Administration) 81 $14,305,000 $176,000 $426,000 $48,000 $160,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 74 $12,313,000 $166,000 $306,000 $38,000 $77,000
VA-guaranteed (Veterans Administration) 49 $11,454,000 $233,000 $975,000 $57,000 $171,000

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 907 $177,621,000 $195,000 $3,400,000 $131,000 $4,892,000
Application Denied By Financial Institution 275 $48,863,000 $177,000 $966,000 $87,000 $737,000
Loan Purchased By The Institution 202 $41,843,000 $207,000 $1,042,000 $95,000 $2,716,000
Application Withdrawn By Applicant 129 $26,440,000 $204,000 $1,000,000 $214,000 $9,999,000
Application Approved But Not Accepted 65 $11,106,000 $170,000 $417,000 $108,000 $885,000
File Closed For Incompleteness 59 $12,786,000 $216,000 $1,145,000 $140,000 $2,106,000
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 71 $13,314,000 $187,000 $580,000 $62,000 $380,000
Credit History 53 $6,923,000 $130,000 $702,000 $88,000 $711,000
Collateral 48 $9,458,000 $197,000 $839,000 $135,000 $581,000
Credit Application Incomplete 17 $3,010,000 $177,000 $293,000 $82,000 $218,000
Other 16 $4,493,000 $280,000 $966,000 $134,000 $486,000
Unverifiable Information 6 $1,404,000 $234,000 $417,000 $215,000 $737,000
Employment History 5 $1,005,000 $201,000 $283,000 $63,000 $90,000
Insufficient Cash (Downpayment, Closing Cost) 4 $776,000 $194,000 $295,000 $76,000 $151,000
Mortgage Insurance Denied 1 $224,000 $224,000 $224,000 $126,000 $126,000

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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