Orange County, VT Mortgage Lenders & HMDA Data, 2020

In 2020, lenders reported 1,283 mortgage applications in Orange County, VT totaling $229.7 million, up 48% from 2019. The average application was for $179,000, and applicants reported an average income of $102,000. 58% of applications resulted in an originated loan and 15% were denied. The most active lender was Mascoma Bank, with 136 applications, followed by Vermont State Employees and Northfield Savings Bank.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 1,283
Total Mortgage Loan Application Amount $229,705,000
Average Mortgage Loan Application Amount $179,000
Highest Mortgage Loan Application Amount $2,235,000
Average Applicant Income $102,000
Highest Applicant Income $4,807,000

Mortgage Company List for Lending in Orange County, VT for 2020

* 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
Mascoma Bank
243 SYKES MOUNTAIN AVE BOX 4399
LEBANON, NH 03766
* $ -1,000 136 $ 28,030,000
Vermont State Employees
ONE BAILEY AVENUE
MONTPELIER, VT 05602
* $ 842,398,000 118 $ 15,540,000
Northfield Savings Bank
1021 PAINE TURNPIKE NORTH
BERLIN, VT 05602
* $ 1,059,033,000 109 $ 18,205,000
Northcountry Federal Credit Union
PO BOX 64709
BURLINGTON, VT 05406
* $ 656,233,000 82 $ 13,430,000
Bar Harbor Bank & Trust
82 MAIN STREET
BAR HARBOR, ME 04609
* $ 3,665,517,000 60 $ 12,170,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 40 $ 7,090,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 165,742,416,000 35 $ 5,605,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 33 $ 7,995,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 26 $ 4,160,000
Eastrise Federal Credit Union
141 HARVEST LANE
WILLISTON, VT 05495
* $ 1,415,180,000 24 $ 4,530,000
Union Bank
20 LOWER MAIN STREET PO BOX 667
MORRISVILLE, VT 05661
* $ 872,287,000 23 $ 3,925,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 11,209,976,000 22 $ 2,520,000
One Credit Union
380 RIVER STREET
SPRINGFIELD, VT 05156
* $ 175,041,000 21 $ 2,125,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,712,919,000,000 21 $ 3,645,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 88,826,789,000 15 $ 3,245,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 15 $ 3,895,000
Service Federal Credit Union
3003 LAFAYETTE ROAD
PORTSMOUTH, NH 03801
* $ 3,815,483,000 15 $ 2,995,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 15 $ 2,665,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 111,986,078,000 14 $ 3,130,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 14 $ 2,660,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 143,390,269,000 13 $ 1,205,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 12 $ 2,650,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 486,004,220,000 12 $ 1,890,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 11 $ 2,515,000
Passumpsic Bank
25 MR ARTHUR DRIVE
CHESTERFIELD, NH 03466
* $ -1,000 10 $ 1,910,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,337,646,000,000 10 $ 1,640,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 10 $ 1,870,000
802 Credit Union
265 SOUTH MAIN STREET
BARRE, VT 05641
* $ 138,905,000 10 $ 850,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 10 $ 1,730,000
People's United Bank
850 MAIN STREET
BRIDGEPORT, CT 06604
* $ 58,343,490,000 10 $ 1,130,000
Residential Mortgage Services, Inc.
24 CHRISTOPHER TOPPI DRIVE
SOUTH PORTLAND, ME 04106
* $ -1,000 10 $ 2,290,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 9 $ 1,865,000
Vermont Federal Credit Union
275 KENNEDY DR
SOUTH BURLINGTON, VT 05407
* $ 588,040,000 9 $ 1,185,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 9 $ 2,035,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 112,384,202,000 8 $ 630,000
Lighthouse Federal Credit Union
100 BORTHWICK AVE
PORTSMOUTH, NH 03801
* $ 1,544,752,000 7 $ 945,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,852,983,000,000 7 $ 1,605,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 6 $ 1,330,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,065,955,000 6 $ 840,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 6 $ 1,430,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 5 $ 835,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 5 $ 755,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 5 $ 945,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 5 $ 975,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 41,950,721,000 5 $ 765,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 5 $ 1,425,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 4 $ 930,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 4 $ 560,000
Harborone Mortgage, LLC
1045 ELM ST SUITE 601
MANCHESTER, NH 03101
* $ -1,000 4 $ 1,050,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 4 $ 590,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 3 $ 585,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,453,998,000,000 3 $ 1,005,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 9,361,090,000 3 $ 945,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 3 $ 715,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 3 $ 515,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 540,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 2 $ 360,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 2 $ 500,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 2,142,154,000 2 $ 660,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 2 $ 290,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 2 $ 460,000
Northway Bank

CAMDEN, ME 04856
* $ 912,655,000 2 $ 390,000
Hanscom Federal Credit Union
1610 EGLIN ST
HANSCOM AFB, MA 01731
* $ 1,509,707,000 2 $ 220,000
Draper and Kramer Mortgage Corp.
1431 OPUS PLACE SUITE 200
WILMINGTON, DE 60515
* $ -1,000 2 $ 410,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 2 $ 320,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 216,654,000,000 2 $ 620,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 250,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ -1,000 2 $ 370,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 320,471,996,000 2 $ 260,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 84,670,854,000 1 $ 255,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,424,675,000 1 $ 25,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 175,000
City National Bank
555 S FLOWER ST
LOS ANGELES, CA 90071
* $ 61,390,143,000 1 $ 355,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 1 $ 155,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,774,361,000 1 $ 205,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 1 $ 155,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 108,739,378,000 1 $ 155,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 461,256,000,000 1 $ 155,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 1 $ 235,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 1 $ 95,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 397,703,264,000 1 $ 205,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 1 $ 115,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 175,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 145,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,432,105,000 1 $ 135,000
Gfa Federal Credit Union
PO BOX 468
GARDNER, MA 01440
* $ 542,746,000 1 $ 305,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ 3,598,362,000 1 $ 215,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 235,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 346,188,000 1 $ 25,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 1 $ 125,000
Flagstar Bank NA

TROY, MI 49098
* $ 23,234,514,000 1 $ 205,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 9,642,935,000 1 $ 435,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 6,120,102,000 1 $ 245,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 2,177,570,000 1 $ 205,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 165,000
Lenderfi, Inc.
23875 VENTURA BLVD SUITE 203B
CALABASAS, CA 91302
* $ -1,000 1 $ 185,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 215,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 1 $ 145,000
Berkshire Bank

ALBANY, NY 12207
* $ 13,181,399,000 1 $ 65,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 155,000
Bay State Savings Bank
28 FRANKLIN STREET
WORCESTER, MA 01608
* $ 437,728,000 1 $ 75,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 1 $ 225,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 195,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 1 $ 195,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 1 $ 255,000
Texas Tech Federal Credit Union
4005 98TH STREET
LUBBOCK, TX 79409
* $ 220,695,000 1 $ 245,000

The tables below break down 2020 mortgage applications in Orange 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 Orange County, VT in 2020

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 464 $91,740,000 $197,000 $965,000 $97,000 $1,320,000
Refinancing 424 $78,120,000 $184,000 $2,235,000 $95,000 $360,000
Cash-out Refinancing 254 $44,450,000 $175,000 $705,000 $112,000 $4,807,000
Home Improvement 71 $5,075,000 $71,000 $375,000 $90,000 $304,000
Other Purpose 56 $8,310,000 $148,000 $1,805,000 $172,000 $2,040,000
Not Applicable 14 $2,010,000 $143,000 $305,000 $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 882 $150,540,000 $170,000 $765,000 $103,000 $4,807,000
Not Provided 312 $62,950,000 $201,000 $2,235,000 $103,000 $775,000
Not applicable 51 $8,785,000 $172,000 $345,000 $86,000 $160,000
Hispanic 16 $3,490,000 $218,000 $425,000 $81,000 $154,000
American Indian or Alaskan Native 12 $1,770,000 $147,000 $285,000 $115,000 $350,000
Black or African American 5 $1,135,000 $227,000 $355,000 $142,000 $259,000
Asian 2 $280,000 $140,000 $165,000 $69,000 $80,000
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) 1,029 $180,985,000 $175,000 $2,235,000 $107,000 $4,807,000
FHA-insured (Federal Housing Administration) 137 $23,365,000 $170,000 $315,000 $64,000 $161,000
VA-guaranteed (Veterans Administration) 98 $22,400,000 $228,000 $475,000 $76,000 $262,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 19 $2,955,000 $155,000 $235,000 $57,000 $96,000

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 749 $136,275,000 $181,000 $1,805,000 $97,000 $522,000
Application Withdrawn By Applicant 200 $36,330,000 $181,000 $715,000 $136,000 $4,807,000
Application Denied By Financial Institution 193 $32,145,000 $166,000 $2,235,000 $85,000 $1,080,000
File Closed For Incompleteness 49 $8,665,000 $176,000 $425,000 $105,000 $547,000
Loan Purchased By The Institution 49 $9,185,000 $187,000 $515,000 $133,000 $303,000
Application Approved But Not Accepted 43 $7,105,000 $165,000 $515,000 $103,000 $363,000
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
Not applicable 1,090 $197,560,000 $181,000 $1,805,000 $106,000 $4,807,000
Debt-To-Income Ratio 69 $11,815,000 $171,000 $705,000 $59,000 $265,000
Credit History 58 $6,780,000 $116,000 $335,000 $89,000 $1,080,000
Collateral 32 $6,850,000 $214,000 $2,235,000 $100,000 $775,000
Other 14 $2,480,000 $177,000 $715,000 $123,000 $522,000
Credit Application Incomplete 9 $1,665,000 $185,000 $265,000 $68,000 $103,000
Employment History 4 $1,120,000 $280,000 $355,000 $101,000 $211,000
Insufficient Cash (Downpayment, Closing Cost) 4 $940,000 $235,000 $355,000 $171,000 $259,000
Unverifiable Information 3 $495,000 $165,000 $265,000 $227,000 $400,000
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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