Orleans County, VT Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 1,105 mortgage applications in Orleans County, VT totaling $226.6 million, up 18% from 2024. The average application was for $205,000, and applicants reported an average income of $117,000. 58% of applications resulted in an originated loan and 16% were denied. The most active lender was Northcountry Federal Credit Union, with 224 applications, followed by Community National Bank and Union Bank.
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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 | 1,105 |
| Total Mortgage Loan Application Amount | $226,585,000 |
| Average Mortgage Loan Application Amount | $205,000 |
| Highest Mortgage Loan Application Amount | $4,875,000 |
| Average Applicant Income | $117,000 |
| Highest Applicant Income | $1,231,000 |
* 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 |
|---|---|---|---|---|
| Northcountry Federal Credit Union PO BOX 64709 BURLINGTON, VT 05406 |
* | $ n/a | 224 | $ 24,120,000 |
| Community National Bank 4811 US ROUTE 5 NEWPORT, VT 05855 |
* | $ n/a | 132 | $ 27,190,000 |
| Union Bank 20 LOWER MAIN STREET PO BOX 667 MORRISVILLE, VT 05661 |
* | $ n/a | 87 | $ 18,105,000 |
| Eastrise Federal Credit Union 141 HARVEST LANE WILLISTON, VT 05495 |
* | $ n/a | 68 | $ 16,610,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 38 | $ 7,340,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 32 | $ 4,580,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 28 | $ 8,020,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ n/a | 22 | $ 5,370,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 21 | $ 5,965,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ n/a | 20 | $ 3,840,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 19 | $ 5,845,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 17 | $ 3,465,000 |
| Passumpsic Bank 25 MR ARTHUR DRIVE CHESTERFIELD, NH 03466 |
* | $ n/a | 15 | $ 3,365,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ n/a | 13 | $ 3,885,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 13 | $ 1,365,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 13 | $ 1,625,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 12 | $ 3,070,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 11 | $ 2,505,000 |
| Vermont Federal Credit Union 275 KENNEDY DR SOUTH BURLINGTON, VT 05407 |
* | $ n/a | 11 | $ 2,535,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 9 | $ 2,455,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 9 | $ 2,185,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 9 | $ 1,515,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 9 | $ 2,755,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 9 | $ 2,615,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 9 | $ 1,955,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 9 | $ 2,705,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 8 | $ 1,550,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 8 | $ 2,610,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 7 | $ 1,615,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ n/a | 7 | $ 995,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 7 | $ 625,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 7 | $ 1,695,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 6 | $ 1,160,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 5 | $ 1,355,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 5 | $ 825,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 5 | $ 675,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 5 | $ 795,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 5 | $ 615,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 5 | $ 1,565,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 4 | $ 830,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 4 | $ 330,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 4 | $ 660,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 2,535,000 |
| The Camden National Bank 2 ELM STREET CAMDEN, ME 04843 |
* | $ n/a | 3 | $ 485,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 3 | $ 735,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 3 | $ 535,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 3 | $ 785,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 3 | $ 1,125,000 |
| Northfield Savings Bank 1021 PAINE TURNPIKE NORTH BERLIN, VT 05602 |
* | $ n/a | 2 | $ 850,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 2 | $ 920,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 710,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ n/a | 2 | $ 1,560,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 2 | $ 700,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 2 | $ 370,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ n/a | 2 | $ 600,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 2 | $ 350,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ n/a | 2 | $ 460,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 2 | $ 720,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ n/a | 2 | $ 630,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 450,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ n/a | 2 | $ 290,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ n/a | 2 | $ 770,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 525,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 415,000 |
| Rbc Bank (Georgia), N.A. RALEIGH, NC 27607 |
* | $ n/a | 1 | $ 505,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 1 | $ 275,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 1 | $ 525,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 1 | $ 275,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 215,000 |
| T2 Financial LLC 480 OLDE WORTHINGTON RD SUITE 300 WESTERVILLE, OH 43082 |
* | $ n/a | 1 | $ 425,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ n/a | 1 | $ 485,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 265,000 |
| Affinity Federal Credit Union 73 MOUNTAINVIEW BLVD. BASKING RIDGE, NJ 07920 |
* | $ n/a | 1 | $ 75,000 |
| Bankesb 36 MAIN STREET EASTHAMPTON, MA 01027 |
* | $ n/a | 1 | $ 275,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 435,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 1 | $ 115,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 205,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 95,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 1 | $ 235,000 |
| Bar Harbor Bank & Trust 82 MAIN STREET BAR HARBOR, ME 04609 |
* | $ n/a | 1 | $ 185,000 |
| Peoples Trust Company of St. Albans 25 KINGMAN STREET, PO BOX 320 ST. ALBANS, VT 05478 |
* | $ n/a | 1 | $ 475,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 1 | $ 355,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ n/a | 1 | $ 935,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 235,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ n/a | 1 | $ 165,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 385,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ n/a | 1 | $ 415,000 |
| Norwich Commercial Group Inc 38 SECURITY DRIVE AVON, CT 06001 |
* | $ n/a | 1 | $ 215,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ n/a | 1 | $ 185,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 185,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 1 | $ 395,000 |
| Mascoma Bank 243 SYKES MOUNTAIN AVE BOX 4399 LEBANON, NH 03766 |
* | $ n/a | 1 | $ 805,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ n/a | 1 | $ 445,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ n/a | 1 | $ 215,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 535,000 |
| Amerant Mortgage LLC 226 N KENTUCKY AVE LAKELAND, FL, FL 33801 |
* | $ n/a | 1 | $ 325,000 |
| 802 Credit Union 265 SOUTH MAIN STREET BARRE, VT 05641 |
* | $ n/a | 1 | $ 345,000 |
| Service Federal Credit Union 3003 LAFAYETTE ROAD PORTSMOUTH, NH 03801 |
* | $ n/a | 1 | $ 335,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 235,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ n/a | 1 | $ 555,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 225,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ n/a | 1 | $ 295,000 |
| National Bank of Middlebury 30 MAIN STREET MIDDLEBURY, VT 05753 |
* | $ n/a | 1 | $ 575,000 |
The tables below break down 2025 mortgage applications in Orleans 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 Orleans County, VT in 2025
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 | 520 | $134,970,000 | $259,000 | $4,875,000 | $132,000 | $1,231,000 |
| Refinancing | 171 | $36,455,000 | $213,000 | $1,795,000 | $120,000 | $569,000 |
| Cash-out Refinancing | 159 | $30,085,000 | $189,000 | $615,000 | $89,000 | $457,000 |
| Home Improvement | 140 | $11,380,000 | $81,000 | $505,000 | $93,000 | $504,000 |
| Other Purpose | 113 | $13,415,000 | $118,000 | $935,000 | $119,000 | $776,000 |
| Not Applicable | 2 | $280,000 | $140,000 | $185,000 | $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 | 888 | $169,380,000 | $190,000 | $1,445,000 | $115,000 | $1,231,000 |
| Not Provided | 108 | $22,520,000 | $208,000 | $655,000 | $127,000 | $471,000 |
| Not applicable | 59 | $22,505,000 | $381,000 | $4,875,000 | $116,000 | $154,000 |
| Hispanic | 22 | $4,540,000 | $206,000 | $575,000 | $72,000 | $156,000 |
| American Indian or Alaskan Native | 9 | $2,445,000 | $271,000 | $805,000 | $157,000 | $595,000 |
| Asian | 9 | $2,855,000 | $317,000 | $535,000 | $250,000 | $569,000 |
| Black or African American | 9 | $2,165,000 | $240,000 | $525,000 | $166,000 | $608,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $175,000 | $175,000 | $175,000 | $41,000 | $41,000 |
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) | 902 | $172,100,000 | $190,000 | $4,875,000 | $121,000 | $1,231,000 |
| FHA-insured (Federal Housing Administration) | 116 | $26,660,000 | $229,000 | $535,000 | $83,000 | $280,000 |
| VA-guaranteed (Veterans Administration) | 83 | $27,185,000 | $327,000 | $845,000 | $112,000 | $378,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $640,000 | $160,000 | $285,000 | $84,000 | $94,000 |
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 | 641 | $125,565,000 | $195,000 | $1,445,000 | $128,000 | $1,121,000 |
| Application Denied By Financial Institution | 173 | $30,575,000 | $176,000 | $685,000 | $80,000 | $471,000 |
| Application Withdrawn By Applicant | 144 | $35,180,000 | $244,000 | $4,875,000 | $124,000 | $1,231,000 |
| Loan Purchased By The Institution | 79 | $20,795,000 | $263,000 | $1,445,000 | $99,000 | $328,000 |
| File Closed For Incompleteness | 55 | $12,115,000 | $220,000 | $1,795,000 | $104,000 | $776,000 |
| Application Approved But Not Accepted | 13 | $2,355,000 | $181,000 | $355,000 | $107,000 | $235,000 |
| 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 | 932 | $196,010,000 | $210,000 | $4,875,000 | $124,000 | $1,231,000 |
| Debt-To-Income Ratio | 48 | $9,460,000 | $197,000 | $585,000 | $76,000 | $238,000 |
| Credit History | 44 | $5,750,000 | $130,000 | $385,000 | $70,000 | $160,000 |
| Collateral | 42 | $7,190,000 | $171,000 | $575,000 | $96,000 | $471,000 |
| Credit Application Incomplete | 17 | $2,965,000 | $174,000 | $685,000 | $72,000 | $208,000 |
| Other | 12 | $3,360,000 | $280,000 | $525,000 | $95,000 | $280,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $855,000 | $171,000 | $185,000 | $53,000 | $66,000 |
| Unverifiable Information | 4 | $640,000 | $160,000 | $205,000 | $93,000 | $188,000 |
| Employment History | 1 | $355,000 | $355,000 | $355,000 | $192,000 | $192,000 |
| 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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