Lamoille County, VT Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 1,935 mortgage applications in Lamoille County, VT totaling $585.0 million, up 3% from 2020. The average application was for $302,000, and applicants reported an average income of $175,000. 63% of applications resulted in an originated loan and 11% were denied. The most active lender was Union Bank, with 265 applications, followed by Eastrise Federal Credit Union and Northcountry 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 | 1,935 |
| Total Mortgage Loan Application Amount | $584,995,000 |
| Average Mortgage Loan Application Amount | $302,000 |
| Highest Mortgage Loan Application Amount | $14,595,000 |
| Average Applicant Income | $175,000 |
| Highest Applicant Income | $5,483,000 |
* 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 |
|---|---|---|---|---|
| Union Bank 20 LOWER MAIN STREET PO BOX 667 MORRISVILLE, VT 05661 |
* | $ 872,287,000 | 265 | $ 68,795,000 |
| Eastrise Federal Credit Union 141 HARVEST LANE WILLISTON, VT 05495 |
* | $ 1,415,180,000 | 203 | $ 40,985,000 |
| Northcountry Federal Credit Union PO BOX 64709 BURLINGTON, VT 05406 |
* | $ 656,233,000 | 132 | $ 23,490,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 124 | $ 44,950,000 |
| Vermont State Employees ONE BAILEY AVENUE MONTPELIER, VT 05602 |
* | $ 842,398,000 | 76 | $ 12,360,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 320,471,996,000 | 45 | $ 16,805,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 43 | $ 13,935,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 42 | $ 11,220,000 |
| People's United Bank 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 58,343,490,000 | 41 | $ 13,245,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 36 | $ 10,550,000 |
| Northfield Savings Bank 1021 PAINE TURNPIKE NORTH BERLIN, VT 05602 |
* | $ 1,059,033,000 | 36 | $ 31,210,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 36 | $ 7,240,000 |
| Vermont Federal Credit Union 275 KENNEDY DR SOUTH BURLINGTON, VT 05407 |
* | $ 588,040,000 | 34 | $ 6,110,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 34 | $ 12,820,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 32 | $ 8,620,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 11,209,976,000 | 31 | $ 4,265,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 29 | $ 14,225,000 |
| Passumpsic Bank 25 MR ARTHUR DRIVE CHESTERFIELD, NH 03466 |
* | $ -1,000 | 28 | $ 11,160,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 25 | $ 6,485,000 |
| Mascoma Bank 243 SYKES MOUNTAIN AVE BOX 4399 LEBANON, NH 03766 |
* | $ -1,000 | 24 | $ 15,430,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 24 | $ 6,380,000 |
| Draper and Kramer Mortgage Corp. 1431 OPUS PLACE SUITE 200 WILMINGTON, DE 60515 |
* | $ -1,000 | 22 | $ 7,060,000 |
| Community National Bank 4811 US ROUTE 5 NEWPORT, VT 05855 |
* | $ 737,355,000 | 20 | $ 3,510,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 20 | $ 5,240,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 19 | $ 6,385,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 18 | $ 7,200,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 18 | $ 4,480,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 17 | $ 6,065,000 |
| The Camden National Bank 2 ELM STREET CAMDEN, ME 04843 |
* | $ 4,410,250,000 | 16 | $ 6,380,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 15 | $ 3,045,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 14 | $ 4,010,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 135,758,439,000 | 12 | $ 6,660,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 11 | $ 3,745,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 11 | $ 9,395,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 10 | $ 2,350,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 10 | $ 2,940,000 |
| First Republic Bank 111 PINE STREET SAN FRANCISCO, CA 94111 |
* | $ 116,263,634,000 | 9 | $ 6,575,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 9 | $ 5,105,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 8 | $ 3,180,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 8 | $ 2,950,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 8 | $ 1,840,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 6 | $ 1,880,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 6 | $ 1,890,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 6 | $ 1,320,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 216,654,000,000 | 5 | $ 5,055,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 63,780,722,000 | 5 | $ 5,525,000 |
| Leader Bank NA 141 MASSACHUSETTS AVENUE ARLINGTON, MA 02474 |
* | $ 1,583,299,000 | 5 | $ 1,855,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,384,707,000,000 | 5 | $ 3,445,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 5 | $ 2,155,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 5 | $ 1,005,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 140,077,697,000 | 5 | $ 2,025,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 4 | $ 430,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 4 | $ 1,300,000 |
| Sofi Lending Corp. 375 HEALDSBURG AVENUE, SUITE 280 SACRAMENTO, CA 95448 |
* | $ -1,000 | 4 | $ 1,370,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ -1,000 | 4 | $ 2,720,000 |
| Bangor Savings Bank 19 MAINE AVENUE BANGOR, ME 04401 |
* | $ 4,733,474,000 | 4 | $ 2,570,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 872,778,000 | 4 | $ 1,600,000 |
| BNY Mellon, N.A. BOSTON, MA 02108 |
* | $ 29,303,000,000 | 4 | $ 3,080,000 |
| Lenderfi, Inc. 23875 VENTURA BLVD SUITE 203B CALABASAS, CA 91302 |
* | $ -1,000 | 4 | $ 1,230,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 4 | $ 810,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 3 | $ 395,000 |
| One Credit Union 380 RIVER STREET SPRINGFIELD, VT 05156 |
* | $ 175,041,000 | 3 | $ 705,000 |
| Peoples Trust Company of St. Albans 25 KINGMAN STREET, PO BOX 320 ST. ALBANS, VT 05478 |
* | $ 267,676,000 | 3 | $ 645,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 345,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 225,000 |
| Msa Mortgage, LLC 5 FREMONT STREET WINTHROP, MA 02152 |
* | $ -1,000 | 3 | $ 1,035,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 9,642,935,000 | 3 | $ 1,845,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 3 | $ 1,335,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 83,036,000,000 | 3 | $ 3,025,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 3 | $ 1,135,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 255,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 3 | $ 685,000 |
| Webster Bank, N.A. 145 BANK STREET STAMFORD, CT 06901 |
* | $ 30,412,303,000 | 2 | $ 800,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 11,550,782,000 | 2 | $ 510,000 |
| Eaglebank 11931 TECH RD SILVER SPRING, MD 20904 |
* | $ 8,950,172,000 | 2 | $ 1,190,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 41,950,721,000 | 2 | $ 400,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 2 | $ 460,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 2 | $ 440,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ -1,000 | 2 | $ 630,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 2 | $ 130,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 540,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ -1,000 | 2 | $ 950,000 |
| Paramount Bank 90 VILLAGE SQUARE SHOPPING CENTER HAZELWOOD, MO 63042 |
* | $ 104,250,000 | 2 | $ 520,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 2 | $ 610,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 2 | $ 270,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 2 | $ 260,000 |
| Nasa Federal Credit Union 500 PRINCE GEORGE'S BLVD. UPPER MARLBORO, MD 20774 |
* | $ 3,110,206,000 | 2 | $ 1,700,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 115,000 |
| Plainscapital Bank 6565 HILLCREST AVE DALLAS, TX 75205 |
* | $ 11,335,522,000 | 1 | $ 545,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 46,627,366,000 | 1 | $ 255,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 965,305,000 | 1 | $ 505,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 9,361,090,000 | 1 | $ 215,000 |
| The Northern Trust Co 50 S. LA SALLE CHICAGO, IL 60603 |
* | $ 135,885,433,000 | 1 | $ 405,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 125,000 |
| Raymond James Bank 710 CARILLON PARKWAY SAINT PETERSBURG, FL 33716 |
* | $ 26,468,603,000 | 1 | $ 435,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 43,126,164,000 | 1 | $ 505,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 104,052,030,000 | 1 | $ 775,000 |
| Needham Bank 1063 GREAT PLAIN AVE NEEDHAM, MA 02492 |
* | $ 2,453,186,000 | 1 | $ 475,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,503,779,000 | 1 | $ 515,000 |
| Adams Community Bank 2 CENTER STREET ADAMS, MA 01220 |
* | $ 630,130,000 | 1 | $ 465,000 |
| Residential Mortgage Services, Inc. 24 CHRISTOPHER TOPPI DRIVE SOUTH PORTLAND, ME 04106 |
* | $ -1,000 | 1 | $ 145,000 |
| Silicon Valley Bank 3003 TASMAN DRIVE SANTA CLARA, CA 95054 |
* | $ 69,942,929,000 | 1 | $ 2,895,000 |
| Bank of New Hampshire 62 PLEASANT ST LACONIA, NH 03246 |
* | $ 1,755,545,000 | 1 | $ 155,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 2,186,056,000 | 1 | $ 405,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 155,000 |
| Bar Harbor Bank & Trust 82 MAIN STREET BAR HARBOR, ME 04609 |
* | $ 3,665,517,000 | 1 | $ 245,000 |
| Wsfs Bank 500 DELAWARE AVENUE WILMINGTON, DE 19801 |
* | $ 12,223,127,000 | 1 | $ 215,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 355,000 |
| Envision Bank 10 CABOT PLACE STOUGHTON, MA 02072 |
* | $ 631,256,000 | 1 | $ 465,000 |
| Peoples Bank 9204 COLUMBIA AVE. MUNSTER, IN 46321 |
* | $ 1,326,463,000 | 1 | $ 85,000 |
| Northmark Bank 89 TURNPIKE STREET, P.O. BOX 825 NORTH ANDOVER, MA 01845 |
* | $ 358,758,000 | 1 | $ 655,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 1 | $ 465,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 225,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 205,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 2,142,154,000 | 1 | $ 345,000 |
| Bethpage Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 9,467,660,000 | 1 | $ 175,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 325,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 84,670,854,000 | 1 | $ 85,000 |
| Guardhill Financial LLC 140 EAST 45TH STREET, 31ST FLOOR NEW YORK, NY 10017 |
* | $ -1,000 | 1 | $ 265,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 315,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ -1,000 | 1 | $ 195,000 |
| Mass. Institute of Tech. Federal Credit Union 700 TECHNOLOGY SQUARE CAMBRIDGE, MA 02139 |
* | $ 583,180,000 | 1 | $ 685,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ -1,000 | 1 | $ 125,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 7,658,628,000 | 1 | $ 165,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 545,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 125,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 833,228,000 | 1 | $ 175,000 |
The tables below break down 2021 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 2021
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 | 702 | $259,310,000 | $369,000 | $3,005,000 | $223,000 | $5,483,000 |
| Refinancing | 646 | $172,650,000 | $267,000 | $14,595,000 | $150,000 | $2,162,000 |
| Cash-out Refinancing | 413 | $119,005,000 | $288,000 | $2,005,000 | $134,000 | $1,185,000 |
| Home Improvement | 102 | $15,600,000 | $152,000 | $755,000 | $130,000 | $480,000 |
| Other Purpose | 70 | $18,260,000 | $260,000 | $1,505,000 | $236,000 | $1,700,000 |
| Not Applicable | 2 | $170,000 | $85,000 | $115,000 | $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 | 1,411 | $391,695,000 | $277,000 | $3,005,000 | $164,000 | $5,483,000 |
| Not Provided | 356 | $114,060,000 | $320,000 | $2,505,000 | $205,000 | $2,125,000 |
| Not applicable | 113 | $59,575,000 | $527,000 | $14,595,000 | $272,000 | $433,000 |
| Hispanic | 23 | $7,745,000 | $336,000 | $725,000 | $201,000 | $580,000 |
| Asian | 17 | $8,335,000 | $490,000 | $2,645,000 | $324,000 | $647,000 |
| Black or African American | 10 | $2,230,000 | $223,000 | $445,000 | $214,000 | $607,000 |
| American Indian or Alaskan Native | 2 | $320,000 | $160,000 | $205,000 | $49,000 | $56,000 |
| 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) | 1,741 | $541,195,000 | $310,000 | $14,595,000 | $182,000 | $5,483,000 |
| VA-guaranteed (Veterans Administration) | 91 | $23,925,000 | $262,000 | $745,000 | $76,000 | $186,000 |
| FHA-insured (Federal Housing Administration) | 90 | $17,620,000 | $195,000 | $395,000 | $59,000 | $236,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $2,255,000 | $173,000 | $245,000 | $63,000 | $130,000 |
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 | 1,213 | $376,795,000 | $310,000 | $14,595,000 | $178,000 | $2,253,000 |
| Application Withdrawn By Applicant | 286 | $80,410,000 | $281,000 | $3,005,000 | $203,000 | $5,483,000 |
| Application Denied By Financial Institution | 218 | $57,550,000 | $263,000 | $2,645,000 | $101,000 | $1,185,000 |
| Loan Purchased By The Institution | 94 | $37,740,000 | $401,000 | $1,125,000 | $277,000 | $2,162,000 |
| File Closed For Incompleteness | 83 | $23,825,000 | $287,000 | $2,005,000 | $195,000 | $1,900,000 |
| Application Approved But Not Accepted | 40 | $8,510,000 | $212,000 | $795,000 | $123,000 | $980,000 |
| Preapproval Approved but not Accepted | 1 | $165,000 | $165,000 | $165,000 | $43,000 | $43,000 |
| 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 | 1,711 | $524,645,000 | $306,000 | $14,595,000 | $184,000 | $5,483,000 |
| Debt-To-Income Ratio | 98 | $27,330,000 | $278,000 | $1,995,000 | $79,000 | $838,000 |
| Collateral | 38 | $10,160,000 | $267,000 | $1,405,000 | $178,000 | $1,185,000 |
| Credit History | 37 | $7,775,000 | $210,000 | $975,000 | $94,000 | $300,000 |
| Other | 23 | $6,085,000 | $264,000 | $755,000 | $105,000 | $438,000 |
| Credit Application Incomplete | 16 | $3,210,000 | $200,000 | $305,000 | $89,000 | $178,000 |
| Unverifiable Information | 5 | $1,065,000 | $213,000 | $395,000 | $74,000 | $112,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $4,005,000 | $801,000 | $2,645,000 | $200,000 | $447,000 |
| Employment History | 2 | $720,000 | $360,000 | $485,000 | $63,000 | $90,000 |
| 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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