Lamoille County, VT Mortgage Lenders & HMDA Data, 2015

In 2015, lenders reported 1,233 mortgage applications in Lamoille County, VT totaling $254.4 million, up 18% from 2014. The average application was for $206,000, and applicants reported an average income of $115,000. 56% of applications resulted in an originated loan and 18% were denied. The most active lender was Union Bank, with 190 applications, followed by Eastrise Federal Credit Union and Vermont State Employees.

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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 1,233
Total Mortgage Loan Application Amount $254,374,000
Average Mortgage Loan Application Amount $206,000
Highest Mortgage Loan Application Amount $3,130,000
Average Applicant Income $115,000
Highest Applicant Income $3,202,000

Mortgage Company List for Lending in Lamoille County, VT for 2015

* 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
* $ 622,949,000 190 $ 30,846,000
Eastrise Federal Credit Union
141 HARVEST LANE
WILLISTON, VT 05495
* $ 1,053,456,000 97 $ 14,402,000
Vermont State Employees
ONE BAILEY AVENUE
MONTPELIER, VT 05602
* $ 654,687,000 83 $ 11,069,000
Mortgage Financial Inc
170 MAIN STREET, SUITE 108
TEWKSBURY, MA 01876
* $ 10,000,000 59 $ 11,210,000
Northcountry Federal Credit Union
PO BOX 64709
BURLINGTON, VT 05406
* $ 454,735,000 56 $ 6,521,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ 10,000,000 55 $ 17,148,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,532,784,000,000 50 $ 15,796,000
People's United Bank
850 MAIN STREET
BRIDGEPORT, CT 06604
* $ 35,755,742,000 41 $ 14,264,000
Community National Bank
4811 US ROUTE 5
NEWPORT, VT 05855
* $ 586,090,000 32 $ 5,798,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,074,981,000,000 30 $ 9,688,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 230,280,000,000 29 $ 7,184,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 29 $ 5,932,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 398,978,359,000 26 $ 4,051,000
Vermont Federal Credit Union
275 KENNEDY DR
SOUTH BURLINGTON, VT 05407
* $ 415,174,000 24 $ 3,011,000
Northfield Savings Bank
1021 PAINE TURNPIKE NORTH
BERLIN, VT 05602
* $ 795,014,000 21 $ 5,082,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 21 $ 4,772,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,685,931,000 20 $ 4,042,000
Merchants Bank
PO BOX 1009
BURLINGTON, VT 05402
* $ 1,727,908,000 20 $ 2,242,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 20 $ 3,550,000
American Nationwide Mortgage Company, Inc.
3820 NORTHDALE BLVD STE 111A
TAMPA, FL 33624
* $ 1,847,619,000 16 $ 3,682,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,574,093,000,000 16 $ 3,800,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 21,610,491,000 13 $ 2,161,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 12 $ 2,113,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 11 $ 1,824,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 10 $ 1,877,000
Passumpsic Bank
25 MR ARTHUR DRIVE
CHESTERFIELD, NH 03466
* $ 306,000,000 9 $ 2,716,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 9 $ 1,571,000
The Camden National Bank
2 ELM STREET
CAMDEN, ME 04843
* $ 2,762,686,000 9 $ 2,506,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 67,301,894,000 7 $ 1,445,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 7 $ 1,089,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,356,442,000,000 6 $ 1,230,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 6 $ 1,357,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 83,125,845,000 5 $ 1,231,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 5 $ 1,072,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 5 $ 759,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 5 $ 1,186,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,424,729,000 4 $ 825,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 4 $ 810,000
Lendus, LLC
3236 STONE VALLEY ROAD W
ALAMO, CA 94507
* $ 10,000,000 4 $ 779,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 4 $ 746,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 102,971,333,000 4 $ 691,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 4 $ 2,097,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 4 $ 788,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 182,489,046,000 4 $ 1,457,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 27,356,000,000 3 $ 794,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 3 $ 627,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 3 $ 462,000
Peoples Trust Company of St. Albans
25 KINGMAN STREET, PO BOX 320
ST. ALBANS, VT 05478
* $ 255,609,000 3 $ 864,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 3 $ 637,000
802 Credit Union
265 SOUTH MAIN STREET
BARRE, VT 05641
* $ 88,002,000 3 $ 136,000
Advancial Federal Credit Union
1845 WOODALL RODGERS FWY, SUITE 1300
DALLAS, TX 75231
* $ 1,167,901,000 2 $ 432,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,071,910,000 2 $ 322,000
Harborone Mortgage, LLC
1045 ELM ST SUITE 601
MANCHESTER, NH 03101
* $ 100,000,000 2 $ 1,201,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 2 $ 69,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 447,877,000 2 $ 363,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 2 $ 348,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,888,583,000 2 $ 410,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 2 $ 417,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 2 $ 700,000
Inland Bank & Trust
1900 W STATE ST
GENEVA, IL 60134
* $ 1,148,005,000 2 $ 384,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 2 $ 252,000
United Bank
225 ASYLUM ST
HARTFORD, CT 06103
* $ 5,477,328,000 2 $ 673,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 968,312,000 2 $ 538,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 185,888,583,000 2 $ 40,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 63,635,411,000 2 $ 265,000
Great Plains National Bank
5909 NW EXPRESSWAY
ELK CITY, OK 73644
* $ 636,758,000 2 $ 399,000
Rbc Bank (Georgia), N.A.
8081 ARCO CORPORATE DRIVE
RALEIGH, NC 27617
* $ 3,067,332,000 1 $ 210,000
Sabadell United Bank NA
1111 BRICKELL AVENUE
MIAMI, FL 33131
* $ 4,605,891,000 1 $ 3,130,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 91,782,513,000 1 $ 440,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 178,676,927,000 1 $ 490,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 17,796,419,000 1 $ 400,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 95,920,564,000 1 $ 134,000
Webster Bank, N.A.
145 BANK STREET
STAMFORD, CT 06901
* $ 22,513,012,000 1 $ 1,591,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 9,910,776,000 1 $ 202,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 111,278,000,000 1 $ 450,000
Lake Sunapee Bank
9 MAIN ST
NEWPORT, NH 03773
* $ 1,502,324,000 1 $ 910,000
Gibraltar Private Bank & Trust Company
55 ALHAMBRA PLAZA, 7TH FLOOR
CORAL GABLES, FL 33134
* $ 1,529,412,000 1 $ 206,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 395,549,000 1 $ 132,000
Flagstar Bank
5151 CORPORATE DRIVE
TROY, MI 48098
* $ 9,779,461,000 1 $ 195,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 451,471,000 1 $ 25,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,781,238,000 1 $ 116,000
Tiaa-Cref Trust Company FSB
211 NORTH BROADWAY, STE 1000
ST. LOUIS, MO 63102
* $ 2,458,381,000 1 $ 152,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 5,190,392,000 1 $ 130,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 7,726,299,000 1 $ 139,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 593,777,000 1 $ 411,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 161,483,000 1 $ 212,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 187,000
Berkshire Bank

ALBANY, NY 12207
* $ 6,476,905,000 1 $ 700,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 1 $ 285,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 160,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 1 $ 156,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 321,539,000 1 $ 205,000
Scottrade Bank
12800 CORPORATE HILL DRIVE
ST. LOUIS, MO 63131
* $ 17,735,467,000 1 $ 603,000
Firstkey Mortgage, LLC
900 THIRD AVENUE, SUITE 500
NEW YORK, NY 10022
* $ 4,365,000 1 $ 560,000
Msa Mortgage, LLC
5 FREMONT STREET
WINTHROP, MA 02152
* $ 10,000,000 1 $ 160,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 1 $ 189,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ 12,000,000 1 $ 169,000
Service Federal Credit Union
3003 LAFAYETTE ROAD
PORTSMOUTH, NH 03801
* $ 2,539,043,000 1 $ 260,000
American First Credit Union
6 POINTE DRIVE, STE 400
BREA, CA 92821
* $ 497,684,000 1 $ 270,000
Poli Mortgage Group, Inc.
780 DEDHAM STREET
CANTON, MA 02021
* $ 7,525,858,000 1 $ 327,000
Capital Bank, N.A.
ONE CHURCH ST SUITE 300
ROCKVILLE, MD 20850
* $ 612,661,000 1 $ 191,000
Leader Bank NA
141 MASSACHUSETTS AVENUE
ARLINGTON, MA 02474
* $ 846,003,000 1 $ 284,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 5,958,502,000 1 $ 190,000
One Credit Union
380 RIVER STREET
SPRINGFIELD, VT 05156
* $ 132,333,000 1 $ 40,000
Dime Bank
290 SALEM TPKE
NORWICH, CT 06360
* $ 756,207,000 1 $ 488,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 117,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 1 $ 158,000
Platinum Home Mortgage Corporation
2200 HICKS RD, STE 101
SPRINGFIELD, IL 60008
* $ 10,000,000 1 $ 234,000

The tables below break down 2015 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 2015

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 609 $124,632,000 $204,000 $3,130,000 $109,000 $3,202,000
Home Purchase 498 $116,296,000 $233,000 $1,760,000 $128,000 $2,751,000
Home Improvement 126 $13,446,000 $106,000 $566,000 $96,000 $482,000

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 1,014 $203,982,000 $201,000 $3,130,000 $115,000 $1,853,000
Not Provided 106 $24,556,000 $231,000 $1,632,000 $172,000 $3,202,000
Not applicable 84 $17,522,000 $208,000 $760,000 $9,000 $322,000
Hispanic 10 $2,265,000 $226,000 $700,000 $411,000 $2,751,000
Asian 8 $3,379,000 $422,000 $956,000 $169,000 $430,000
Black or African American 7 $1,318,000 $188,000 $316,000 $59,000 $157,000
Native Hawaiian or Other Pacific Islander 2 $1,063,000 $531,000 $900,000 $235,000 $423,000
American Indian or Alaskan Native 2 $289,000 $144,000 $145,000 $32,000 $36,000

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) 1,013 $213,917,000 $211,000 $3,130,000 $129,000 $3,202,000
FHA-insured (Federal Housing Administration) 103 $18,762,000 $182,000 $282,000 $50,000 $160,000
VA-guaranteed (Veterans Administration) 68 $14,125,000 $207,000 $558,000 $63,000 $273,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 49 $7,570,000 $154,000 $305,000 $45,000 $82,000

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 691 $149,873,000 $216,000 $3,130,000 $125,000 $1,669,000
Application Denied By Financial Institution 225 $44,049,000 $195,000 $850,000 $105,000 $2,751,000
Application Withdrawn By Applicant 138 $27,171,000 $196,000 $910,000 $150,000 $3,202,000
Loan Purchased By The Institution 97 $18,882,000 $194,000 $603,000 $25,000 $452,000
Application Approved But Not Accepted 51 $9,152,000 $179,000 $652,000 $97,000 $500,000
File Closed For Incompleteness 31 $5,247,000 $169,000 $520,000 $139,000 $1,853,000
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 60 $10,644,000 $177,000 $664,000 $65,000 $338,000
Credit History 38 $6,284,000 $165,000 $565,000 $111,000 $605,000
Collateral 37 $8,970,000 $242,000 $560,000 $143,000 $521,000
Credit Application Incomplete 13 $3,490,000 $268,000 $700,000 $308,000 $2,751,000
Other 10 $1,910,000 $191,000 $417,000 $129,000 $472,000
Insufficient Cash (Downpayment, Closing Cost) 5 $959,000 $191,000 $268,000 $91,000 $136,000
Unverifiable Information 3 $362,000 $120,000 $136,000 $49,000 $66,000
Employment History 1 $185,000 $185,000 $185,000 $60,000 $60,000
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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