Lamoille County, VT Mortgage Lenders & HMDA Data, 2016

In 2016, lenders reported 1,344 mortgage applications in Lamoille County, VT totaling $291.7 million, up 9% from 2015. The average application was for $217,000, and applicants reported an average income of $131,000. 55% of applications resulted in an originated loan and 19% were denied. The most active lender was Union Bank, with 196 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 1,344
Total Mortgage Loan Application Amount $291,737,000
Average Mortgage Loan Application Amount $217,000
Highest Mortgage Loan Application Amount $4,880,000
Average Applicant Income $131,000
Highest Applicant Income $4,923,000

Mortgage Company List for Lending in Lamoille County, VT for 2016

* 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
* $ 627,840,000 196 $ 33,840,000
Eastrise Federal Credit Union
141 HARVEST LANE
WILLISTON, VT 05495
* $ 1,105,558,000 89 $ 14,008,000
Vermont State Employees
ONE BAILEY AVENUE
MONTPELIER, VT 05602
* $ 681,503,000 74 $ 9,403,000
Mortgage Financial Inc
170 MAIN STREET, SUITE 108
TEWKSBURY, MA 01876
* $ 10,000,000 65 $ 13,873,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,610,580,000,000 57 $ 15,922,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 52 $ 9,675,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ 10,000,000 51 $ 13,369,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 46 $ 9,827,000
Northcountry Federal Credit Union
PO BOX 64709
BURLINGTON, VT 05406
* $ 484,525,000 45 $ 4,811,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,914,658,000,000 40 $ 14,090,000
Vermont Federal Credit Union
275 KENNEDY DR
SOUTH BURLINGTON, VT 05407
* $ 458,327,000 35 $ 4,133,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 31 $ 6,150,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 417,458,234,000 30 $ 5,888,000
People's United Bank
850 MAIN STREET
BRIDGEPORT, CT 06604
* $ 38,450,416,000 29 $ 13,464,000
Merchants Bank
PO BOX 1009
BURLINGTON, VT 05402
* $ 2,025,018,000 29 $ 4,846,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 246,485,756,000 25 $ 5,768,000
Community National Bank
4811 US ROUTE 5
NEWPORT, VT 05855
* $ 595,508,000 25 $ 5,064,000
Northfield Savings Bank
1021 PAINE TURNPIKE NORTH
BERLIN, VT 05602
* $ 861,808,000 24 $ 6,330,000
Passumpsic Bank
25 MR ARTHUR DRIVE
CHESTERFIELD, NH 03466
* $ 306,000,000 19 $ 5,237,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 18 $ 3,597,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,639,305,000,000 17 $ 8,220,000
American Nationwide Mortgage Company, Inc.
3820 NORTHDALE BLVD STE 111A
TAMPA, FL 33624
* $ 1,847,619,000 17 $ 3,990,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 71,130,930,000 14 $ 3,185,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 13 $ 2,263,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 13 $ 2,576,000
Freedom Mortgage Corporation
10500 KINCAID DRIVE
FISHERS, IN 46037
* $ 10,000,000 12 $ 2,444,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 11 $ 2,427,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,299,801,000,000 10 $ 4,554,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 8 $ 1,634,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 8 $ 1,203,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 7 $ 1,561,000
Peoples Trust Company of St. Albans
25 KINGMAN STREET, PO BOX 320
ST. ALBANS, VT 05478
* $ 254,906,000 7 $ 727,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 6 $ 1,232,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 205,125,538,000 6 $ 1,502,000
The Camden National Bank
2 ELM STREET
CAMDEN, ME 04843
* $ 3,681,225,000 6 $ 2,482,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 5 $ 624,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 26,594,410,000 5 $ 1,071,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 186,710,993,000 5 $ 1,086,000
Msa Mortgage, LLC
5 FREMONT STREET
WINTHROP, MA 02152
* $ 10,000,000 5 $ 1,436,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 5 $ 1,501,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 93,038,275,000 5 $ 1,825,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 5 $ 778,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 73,279,079,000 5 $ 1,095,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 186,710,993,000 4 $ 87,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 4 $ 718,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 108,064,717,000 4 $ 1,323,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 139,069,000,000 4 $ 1,825,000
First Republic Bank
111 PINE STREET
SAN FRANCISCO, CA 94111
* $ 58,981,285,000 3 $ 3,437,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 3 $ 650,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 451,930,000 3 $ 591,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 3 $ 645,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 3 $ 558,000
One Credit Union
380 RIVER STREET
SPRINGFIELD, VT 05156
* $ 139,096,000 3 $ 277,000
United Bank
225 ASYLUM ST
HARTFORD, CT 06103
* $ 6,224,169,000 2 $ 910,000
Harborone Mortgage, LLC
1045 ELM ST SUITE 601
MANCHESTER, NH 03101
* $ 100,000,000 2 $ 488,000
Lendus, LLC
3236 STONE VALLEY ROAD W
ALAMO, CA 94507
* $ 10,000,000 2 $ 399,000
Kittredge Mortgage Corporation
123 BONNET STREET
MANCHESTER, VT 05254
* $ 7,088,000 2 $ 457,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 2 $ 348,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 2 $ 386,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 2 $ 305,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 2 $ 306,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 2 $ 382,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 2 $ 526,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 2 $ 683,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 2 $ 507,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ 7,606,000 2 $ 1,767,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 2 $ 416,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 2 $ 432,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 15,536,515,000 2 $ 390,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 6,823,816,000 2 $ 146,000
Lake Sunapee Bank
9 MAIN ST
NEWPORT, NH 03773
* $ 1,517,449,000 2 $ 840,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 42,042,000,000 2 $ 593,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 18,900,720,000 1 $ 79,000
BNY Mellon, N.A.

BOSTON, MA 02108
* $ 23,381,220,000 1 $ 559,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 52,653,111,000 1 $ 1,650,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 111,306,727,000 1 $ 625,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 8,198,830,000 1 $ 760,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ 89,030,433,000 1 $ 199,000
The Washington Trust Company, of Westerly
23 BROAD STREET
WESTERLY, RI 02891
* $ 3,770,559,000 1 $ 396,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 1,267,342,000 1 $ 164,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 504,343,000 1 $ 190,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 170,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 1 $ 328,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 133,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 1 $ 258,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 348,291,098,000 1 $ 110,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,764,654,000 1 $ 261,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,580,860,000 1 $ 501,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 90,192,245,000 1 $ 329,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ 3,093,779,000 1 $ 135,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 11,567,246,000 1 $ 1,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,649,486,000 1 $ 60,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,887,863,000 1 $ 350,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 1 $ 21,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 95,747,000 1 $ 235,000
Florida Community Bank, National Association
2500 WESTON ROAD #300
WESTON, FL 33331
* $ 7,155,458,000 1 $ 685,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 1 $ 292,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ 4,609,426,188,000 1 $ 205,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 265,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 216,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 1 $ 300,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 272,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ 12,000,000 1 $ 223,000
Fieldpoint Private Bank & Trus
100 FIELD POINT ROAD
GREENWICH, CT 06830
* $ 798,123,000 1 $ 1,000,000

The tables below break down 2016 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 2016

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 621 $133,800,000 $215,000 $1,750,000 $143,000 $4,923,000
Home Purchase 571 $139,074,000 $243,000 $4,880,000 $128,000 $2,887,000
Home Improvement 152 $18,863,000 $124,000 $760,000 $92,000 $660,000

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 1,045 $221,127,000 $211,000 $2,000,000 $134,000 $4,923,000
Not Provided 151 $33,950,000 $224,000 $1,750,000 $206,000 $3,472,000
Not applicable 115 $30,466,000 $264,000 $4,880,000 $8,000 $212,000
Hispanic 14 $2,691,000 $192,000 $443,000 $93,000 $250,000
Asian 10 $2,110,000 $211,000 $525,000 $156,000 $487,000
Black or African American 5 $737,000 $147,000 $350,000 $59,000 $174,000
American Indian or Alaskan Native 4 $656,000 $164,000 $299,000 $69,000 $189,000
Native Hawaiin 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) 1,111 $247,027,000 $222,000 $4,880,000 $147,000 $4,923,000
FHA-insured (Federal Housing Administration) 113 $21,240,000 $187,000 $353,000 $57,000 $660,000
VA-guaranteed (Veterans Administration) 74 $16,023,000 $216,000 $501,000 $59,000 $161,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 46 $7,447,000 $161,000 $237,000 $31,000 $84,000

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 743 $168,264,000 $226,000 $4,880,000 $148,000 $3,472,000
Application Denied By Financial Institution 250 $47,666,000 $190,000 $1,650,000 $108,000 $4,923,000
Loan Purchased By The Institution 135 $29,766,000 $220,000 $1,200,000 $50,000 $481,000
Application Withdrawn By Applicant 129 $29,620,000 $229,000 $1,735,000 $172,000 $3,600,000
File Closed For Incompleteness 54 $11,552,000 $213,000 $648,000 $137,000 $1,080,000
Application Approved But Not Accepted 33 $4,869,000 $147,000 $417,000 $85,000 $250,000
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 46 $10,691,000 $232,000 $1,650,000 $72,000 $457,000
Collateral 38 $8,322,000 $219,000 $1,407,000 $253,000 $4,923,000
Credit History 29 $3,390,000 $116,000 $350,000 $65,000 $152,000
Other 12 $2,398,000 $199,000 $455,000 $106,000 $454,000
Credit Application Incomplete 10 $2,189,000 $218,000 $680,000 $93,000 $255,000
Insufficient Cash (Downpayment, Closing Cost) 7 $1,183,000 $169,000 $260,000 $86,000 $236,000
Unverifiable Information 4 $1,034,000 $258,000 $472,000 $127,000 $323,000
Employment History 4 $317,000 $79,000 $171,000 $66,000 $131,000
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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