Orleans County, VT Mortgage Lenders & HMDA Data, 2008

In 2008, lenders reported 1,490 mortgage applications in Orleans County, VT totaling $171.6 million, down 5% from 2007. The average application was for $115,000, and applicants reported an average income of $66,000. 58% of applications resulted in an originated loan and 22% were denied. The most active lender was Community National Bank, with 466 applications, followed by TD Bank N.A. and Gmac Mortgage LLC.

Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Vermont.
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 1,490
Total Mortgage Loan Application Amount $171,623,000
Average Mortgage Loan Application Amount $115,000
Highest Mortgage Loan Application Amount $1,040,000
Average Applicant Income $66,000
Highest Applicant Income $1,370,000

Mortgage Company List for Lending in Orleans County, VT for 2008

* 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
Community National Bank
4811 US ROUTE 5
NEWPORT, VT 05855
* $ 372,427,000 466 $ 49,249,000
TD Bank N.A.
70 GRAY ROAD
FALMOUTH, ME 04105
* $ 45,485,973,000 90 $ 7,156,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 81 $ 9,929,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 77 $ 4,475,000
Countrywide Bank FSB
30930 RUSSELL RANCH ROAD MS CA6-916-02-0
WESTLAKE VILLAGE, CA 91362
* $ 121,054,736,000 69 $ 10,078,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 59 $ 7,869,000
Passumpsic Bank
25 MR ARTHUR DRIVE
CHESTERFIELD, NH 03466
* $ 306,000,000 56 $ 6,534,000
Union Bank
20 LOWER MAIN STREET PO BOX 667
MORRISVILLE, VT 05661
* $ 392,661,000 45 $ 3,352,000
Vermont State Employees
ONE BAILEY AVENUE
MONTPELIER, VT 05602
* $ 365,879,000 36 $ 2,732,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 36 $ 5,931,000
Universal Mortgage Corporation
12080 NORTH CORPORATE PKWY SUITE 100
MEQUON, WI 53092
* $ 10,000,000 36 $ 3,908,000
Chittenden Trust Company
2 BURLINGTON SQUARE
BURLINGTON, VT 05401
* $ 3,418,539,000 30 $ 3,284,000
Beneficial Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 4,017,643,000 28 $ 3,113,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,318,888,000,000 26 $ 3,593,000
Merchants Bank
PO BOX 1009
BURLINGTON, VT 05402
* $ 1,175,342,000 21 $ 2,407,000
Wells Fargo Bank, NA
1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042
DES MOINES, IA 50328
* $ 467,861,000,000 20 $ 3,386,000
Ally Bank F/K/A/ Gmac Bank
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 28,404,352,000 19 $ 2,707,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 18 $ 3,160,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 1,312,794,218,000 15 $ 2,268,000
Eastrise Federal Credit Union
141 HARVEST LANE
WILLISTON, VT 05495
* $ 560,870,000 14 $ 2,094,000
Eloan
9600 WEST BRYN MAWR
ROSEMONT, IL 60018
* $ 48,624,000,000 13 $ 1,582,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 30,219,506,000 13 $ 1,283,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 12 $ 1,847,000
Rbs Citizens, N.A.
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 128,863,082,000 10 $ 651,000
HSBC Mortgage Corp
2929 WALDEN AVE
DEPEW, NY 14043
* $ 92,958,000 7 $ 1,416,000
Capital One NA
11130 INDUSTRIALPLEX BLVD
BATON ROUGE, LA 70809
* $ 97,517,902,000 7 $ 137,000
National City Bank
1900 E NINTH ST LOC 01-3144
CLEVELAND, OH 44114
* $ 138,755,343,000 7 $ 1,409,000
Countrywide Home Loans
30930 RUSSELL RANCH ROAD MS WLRR-148
WESTLAKE VILLAGE, CA 91362
* $ 199,946,230,000 6 $ 885,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 232,759,503,000 5 $ 452,000
First Tennessee Bank NA
165 MADISON 5TH FLOOR
MEMPHIS, TN 38103
* $ 36,725,591,000 5 $ 927,000
Amtrust Bank
1801 E. 9TH ST #200
CLEVELAND, OH 44114
* $ 16,938,391,000 5 $ 984,000
Northcountry Federal Credit Union
PO BOX 64709
BURLINGTON, VT 05406
* $ 192,020,000 5 $ 237,000
Plaza Home Mortgage, Inc
5090 SHOREHAM PLACE, SUITE #206
SAN DIEGO, CA 92122
* $ 10,000,000 5 $ 1,023,000
Northfield Savings Bank
1021 PAINE TURNPIKE NORTH
BERLIN, VT 05602
* $ 562,854,000 4 $ 465,000
Wachovia Mortgage FSB
TONYA YOUNG 100 N MAIN ST MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 56,294,475,000 4 $ 481,000
State Farm Bank
1 STATE FARM PLAZA
BLOOMINGTON, IL 61710
* $ 15,898,003,000 3 $ 269,000
Ge Money Bank
4246 SOUTH RIVERBOAT RDCSUITE 200
SALT LAKE CITY, UT 84123
* $ 14,839,190,000 3 $ 25,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 79,977,597,000 3 $ 435,000
Flagstar Bank
5151 CORPORATE DR
TROY, MI 48098
* $ 15,757,171,000 3 $ 265,000
Metlife Bank, N.A.
334 MADISON AVENUE
CONVENT STATION, NJ 07961
* $ 7,406,877,000 3 $ 245,000
Keybank National Association
100 PUBLIC SQUARE STE 600 OH-01-10-06006
CLEVELAND, OH 44113
* $ 95,861,810,000 3 $ 407,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,019,497,000,000 3 $ 501,000
Peoples Trust Company of St. Albans
25 KINGMAN STREET, PO BOX 320
ST. ALBANS, VT 05478
* $ 213,152,000 3 $ 118,000
Home Loan Center
163 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 10,000,000 3 $ 605,000
Merrimack Mortgage Company, in
1045 ELM STREET, SUITE 601
MANCHESTER, NH 03101
* $ 10,000,000 3 $ 356,000
Franklin American Mortgage Co
501 CORPORATE CENTRE DRIVE, SUITE 400
FRANKLIN, TN 37067
* $ 10,000,000 3 $ 647,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 3 $ 302,000
Freedom Mortgage Corp.
10500 KINCAID DR. STE. 300
FISHERS, IN 46037
* $ 10,000,000 3 $ 650,000
Homecomings Financial LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 10,000,000 3 $ 465,000
Ideal Mortgage Bankers, Ltd
520 BROADHOLLOW ROAD
MELVILLE, NY 11747
* $ 10,000,000 2 $ 221,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 2 $ 510,000
Equifirst Corporation
13000 S TRYON ST, STE F, PMB 317
CHARLOTTE, NC 28278
* $ 343,735,670,000 2 $ 162,000
Suntrust Mortgage, Inc
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 175,107,526,000 2 $ 338,000
Capital One Home Loans, LLC
12800 FOSTER STREET
OVERLAND PARK, KS 66213
* $ 88,701,411,000 2 $ 284,000
Bankmortgagesolutions LLC
14425 COLLEGE BLVD SUITE 100
LENEXA, KS 66215
* $ 11,000,000 2 $ 228,000
Access National Mortgage Corp
1800 ROBERT FULTON DR, SUITE 350
RESTON, VA 20191
* $ 10,000,000 2 $ 345,000
Webster Bank, N.A.
145 BANK ST
WATERBURY, CT 06702
* $ 17,064,364,000 2 $ 269,000
US Bank North Dakota
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 5,028,246,000 2 $ 138,000
Vermont Federal Credit Union
275 KENNEDY DR
SOUTH BURLINGTON, VT 05407
* $ 188,548,000 2 $ 142,000
Merrill Lynch Credit Corp.
4804 DEER LAKE DRIVE EAST BLDG 3 FL 5
JACKSONVILLE, FL 32246
* $ 4,500,000,000 2 $ 642,000
Sovereign Bank
1130 BERKSHIRE BOULEVARD
WYOMISSING, PA 19610
* $ 84,701,123,000 2 $ 250,000
E*Trade Bank
671 NORTH GLEBE RD, 12TH FLOOR
ARLINGTON, VA 22203
* $ 51,623,321,000 1 $ 410,000
M&I Bank FSB
W57N14280 DOERR WAY
CEDARBURG, WI 53012
* $ 1,402,062,000 1 $ 48,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,507,032,000 1 $ 190,000
Mountainone Bank
93 MAIN STREET
NORTH ADAMS, MA 01247
* $ 382,569,000 1 $ 175,000
Everbank
8100 NATIONS WAY
JACKSONVILLE, FL 32256
* $ 5,518,089,000 1 $ 300,000
Bankunited, FSB
7815 NW 148TH STREET
MIAMI LAKES, FL 33016
* $ 14,415,594,000 1 $ 152,000
Abacus Federal Savings Bank
6 BOWERY
NEW YORK, NY 10013
* $ 236,967,000 1 $ 140,000
Chevy Chase Bank, F.S.B.
7501 WISCONSIN AVE 13TH FLR-W
BETHESDA,, MD 20814
* $ 15,301,433,000 1 $ 169,000
American Bank
9001 EDMONSTON ROAD, SUITE 100
GREENBELT, MD 20770
* $ 543,934,000 1 $ 123,000
Eastern Savings Bank, FSB
EXEC PLAZA II - 11350 MCCORMICK RD
HUNT VALLEY, MD 21031
* $ 1,117,603,000 1 $ 116,000
Hanscom Federal Credit Union
1610 EGLIN ST
HANSCOM AFB, MA 01731
* $ 600,126,000 1 $ 233,000
Nation's Heritage Federal C.U.
607 PLEASANT STREET
ATTLEBORO, MA 02703
* $ 83,505,000 1 $ 60,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ 197,273,000 1 $ 13,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 3,900,047,000 1 $ 120,000
Delta Community Credit Union
3270 RIVERWOOD PKWY
ATLANTA, GA 30339
* $ 2,597,727,000 1 $ 294,000
Gateway Bank, FSB
2336 MERCED STREET
SAN LEANDRO, CA 94577
* $ 403,955,000 1 $ 117,000
Home Loan Investment Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 266,672,000 1 $ 170,000
The Bank of Western Mass
1391 MAIN STREET 4TH FLOOR
SPRINGFIELD, MA 01101
* $ 800,584,000 1 $ 95,000
Charles Schwab Bank
211 MAIN STREET
SAN FRANCISCO, CA 94105
* $ 14,762,983,000 1 $ 557,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 962,672,000 1 $ 181,000
HSBC Bank USA, NA
1 HSBC CENTER - 24TH FLOOR
BUFFALO, NY 14203
* $ 184,491,526,000 1 $ 200,000
The Harris Bank NA
6720 N. SCOTTSDALE ROAD, SUITE 111
SCOTTSDALE, AZ 85253
* $ 499,273,000 1 $ 284,000
Forward National Company Inc
300 EAST MAIN ST
MILFORD, MA 01757
* $ 336,774,000 1 $ 46,000
Wachovia Mortgage Corp
301 S COLLEGE ST
CHARLOTTE, NC 28202
* $ 2,687,938,000 1 $ 210,000
Regions Bank
1900 5TH AVENUE N - ALBH10903B
BIRMINGHAM, AL 35203
* $ 137,049,763,000 1 $ 190,000
M&T Bank
1 M&T PLAZA -15TH FLOOR
BUFFALO, NY 14203
* $ 64,072,546,000 1 $ 216,000
Citi Residential Lending Inc.
153 EAST 53RD ST, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,121,487,000 1 $ 128,000
Popular Housing Services
9600 WEST BRYN MAWR
ROSEMONT, IL 60018
* $ 11,000,000 1 $ 83,000
Marlborough Co-Operative Bank
175 MAIN STREET
MARLBOROUGH, MA 01752
* $ 79,953,000 1 $ 200,000
First Mariner Bank
3301 BOSTON STREET
BALTIMORE, MD 21224
* $ 1,139,265,000 1 $ 168,000
Avelo Mortgage, L.L.C
250 EAST JOHN CARPENTER FREEWAY
IRVING, TX 75062
* $ 10,000,000 1 $ 51,000
Ctx Mortgage Company, LLC
1603 LBJ FREEWAY FL 6
DALLAS, TX 75234
* $ 31,000,000 1 $ 190,000
Origen Financial Services LLC
27777 FRANKLIN ROAD SUITE 1710
SOUTHFIELD, MI 48034
* $ 10,000,000 1 $ 53,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 123,000
Accredited Home Lenders, Inc
15253 AVENUE OF SCIENCE BLDG 1
SAN DIEGO, CA 92128
* $ 10,000,000 1 $ 289,000
Wall Street Mortgage Bankers
1111 MARCUS AVE, LL08
LAKE SUCCESS, NY 11042
* $ 10,000,000 1 $ 90,000
Security Atlantic Wholesale
499 THORNALL ST, SUITE 220
EDISON, NJ 08837
* $ 10,000,000 1 $ 248,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 74,000
Mortgage Master, Inc.
102 ELM STREET
WALPOLE, MA 02081
* $ 11,250,346,000 1 $ 150,000
Superior Mortgage Corp.
854 S WHITE HORSE PIKE
HAMMONTON, NJ 08037
* $ 10,000,000 1 $ 298,000
Greenlight Financial Services
18200 VON KARMAN STE #300
IRVINE, CA 92612
* $ 10,000,000 1 $ 99,000
US Mortgage Corporation
19D CHAPIN ROAD
PINE BROOK, NJ 07058
* $ 10,000,000 1 $ 122,000

The tables below break down 2008 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 2008

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 856 $110,347,000 $128,000 $995,000 $63,000 $1,370,000
Home Purchase 352 $46,382,000 $131,000 $1,040,000 $77,000 $825,000
Home Improvement 282 $14,894,000 $52,000 $350,000 $61,000 $696,000

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 1,283 $142,501,000 $111,000 $995,000 $66,000 $1,370,000
Not Provided 135 $18,432,000 $136,000 $557,000 $85,000 $825,000
Not applicable 53 $8,638,000 $162,000 $1,040,000 $11,000 $556,000
Hispanic 9 $953,000 $105,000 $359,000 $75,000 $250,000
Asian 4 $619,000 $154,000 $243,000 $93,000 $151,000
Black or African American 4 $404,000 $101,000 $170,000 $69,000 $157,000
American Indian or Alaskan Native 2 $76,000 $38,000 $70,000 $19,000 $33,000
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) 1,332 $150,684,000 $113,000 $1,040,000 $68,000 $1,370,000
FHA-insured (Federal Housing Administration) 146 $19,286,000 $132,000 $298,000 $48,000 $108,000
VA-guaranteed (Veterans Administration) 10 $1,381,000 $138,000 $195,000 $27,000 $78,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $272,000 $136,000 $155,000 $33,000 $39,000

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 860 $96,327,000 $112,000 $1,040,000 $74,000 $1,370,000
Application Denied By Financial Institution 334 $35,860,000 $107,000 $391,000 $51,000 $541,000
Application Withdrawn By Applicant 121 $16,667,000 $137,000 $519,000 $75,000 $500,000
Loan Purchased By The Institution 96 $13,829,000 $144,000 $410,000 $31,000 $240,000
Application Approved But Not Accepted 69 $7,188,000 $104,000 $498,000 $64,000 $315,000
File Closed For Incompleteness 10 $1,752,000 $175,000 $575,000 $125,000 $405,000
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
Credit History 70 $4,765,000 $68,000 $277,000 $49,000 $160,000
Debt-To-Income Ratio 58 $8,183,000 $141,000 $391,000 $43,000 $137,000
Collateral 43 $5,501,000 $127,000 $335,000 $63,000 $173,000
Other 15 $1,876,000 $125,000 $225,000 $63,000 $150,000
Unverifiable Information 8 $770,000 $96,000 $276,000 $68,000 $167,000
Credit Application Incomplete 8 $946,000 $118,000 $162,000 $44,000 $78,000
Employment History 3 $210,000 $70,000 $112,000 $53,000 $120,000
Insufficient Cash (Downpayment, Closing Cost) 2 $184,000 $92,000 $160,000 $68,000 $104,000
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.

Download the Vermont Lender List