Orleans County, VT Mortgage Lenders & HMDA Data, 2009

In 2009, lenders reported 1,755 mortgage applications in Orleans County, VT totaling $234.3 million, up 18% from 2008. The average application was for $133,000, and applicants reported an average income of $80,000. 61% of applications resulted in an originated loan and 19% were denied. The most active lender was Community National Bank, with 625 applications, followed by Passumpsic Bank and TD Bank N.A..

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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 1,755
Total Mortgage Loan Application Amount $234,285,000
Average Mortgage Loan Application Amount $133,000
Highest Mortgage Loan Application Amount $1,680,000
Average Applicant Income $80,000
Highest Applicant Income $1,849,000

Mortgage Company List for Lending in Orleans County, VT for 2009

* 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
* $ 486,950,000 625 $ 74,427,000
Passumpsic Bank
25 MR ARTHUR DRIVE
CHESTERFIELD, NH 03466
* $ 306,000,000 136 $ 16,091,000
TD Bank N.A.
70 GRAY ROAD
FALMOUTH, ME 04105
* $ 101,632,075,000 118 $ 15,107,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 1,471,631,047,000 69 $ 11,233,000
Vermont State Employees
ONE BAILEY AVENUE
MONTPELIER, VT 05602
* $ 440,385,000 60 $ 6,525,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 56 $ 8,692,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,746,242,000,000 40 $ 5,987,000
Union Bank
20 LOWER MAIN STREET PO BOX 667
MORRISVILLE, VT 05661
* $ 439,404,000 38 $ 3,820,000
Metlife Bank, N.A.
334 MADISON AVENUE
CONVENT STATION, NJ 07961
* $ 10,273,647,000 37 $ 5,241,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 34 $ 1,913,000
Ally Bank F/K/A/ Gmac Bank
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 32,882,574,000 31 $ 4,389,000
People's United Bank
850 MAIN STREET
BRIDGEPORT, CT 06604
* $ 19,259,550,000 30 $ 6,075,000
Eastrise Federal Credit Union
141 HARVEST LANE
WILLISTON, VT 05495
* $ 678,612,000 28 $ 3,900,000
Universal Mortgage Corporation
12080 NORTH CORPORATE PKWY SUITE 100
MEQUON, WI 53092
* $ 10,000,000 28 $ 3,521,000
Northcountry Federal Credit Union
PO BOX 64709
BURLINGTON, VT 05406
* $ 229,944,000 25 $ 1,880,000
Merchants Bank
PO BOX 1009
BURLINGTON, VT 05402
* $ 1,345,842,000 25 $ 3,217,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 20 $ 3,735,000
Countrywide Bank FSB
30930 RUSSELL RANCH ROAD MS CA6-916-02-0
WESTLAKE VILLAGE, CA 91362
* $ 117,978,966,000 19 $ 3,415,000
Wells Fargo Bank, NA
1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042
DES MOINES, IA 50328
* $ 538,958,000,000 18 $ 3,661,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 15 $ 2,347,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 13 $ 1,618,000
Citibank, N.A.
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,227,040,000,000 13 $ 2,199,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 261,775,591,000 11 $ 1,253,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,019,497,000,000 11 $ 1,396,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 32,584,979,000 11 $ 1,528,000
Everbank
8100 NATIONS WAY
JACKSONVILLE, FL 32256
* $ 7,047,356,000 10 $ 1,578,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 10 $ 1,429,000
Everhome Mortgage Company
8100 NATIONS WAY
JACKSONVILLE, FL 32256
* $ 3,027,261,000 9 $ 1,453,000
Rbs Citizens, N.A.
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 129,725,957,000 9 $ 885,000
New York Community Bank
1 JERICHO PLAZA
JERICHO, NY 11753
* $ 30,307,736,000 8 $ 1,245,000
Northfield Savings Bank
1021 PAINE TURNPIKE NORTH
BERLIN, VT 05602
* $ 587,991,000 7 $ 1,141,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 7 $ 966,000
Merrimack Mortgage Company, in
1045 ELM STREET, SUITE 601
MANCHESTER, NH 03101
* $ 10,000,000 6 $ 679,000
Nfcu
820 FOLLIN LANE
VIENNA, VA 22180
* $ 36,351,625,000 6 $ 846,000
Flagstar Bank
5151 CORPORATE DR
TROY, MI 48098
* $ 14,157,838,000 6 $ 938,000
Midfirst Bank
501 NW GRAND BLVD.
OKLAHOMA CITY, OK 73118
* $ 14,649,039,000 6 $ 1,195,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ 10,000,000 5 $ 514,000
Plaza Home Mortgage, Inc
5090 SHOREHAM PLACE, SUITE #206
SAN DIEGO, CA 92122
* $ 10,000,000 4 $ 737,000
Home Loan Center
163 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 10,000,000 4 $ 711,000
Franklin American Mortgage Co
501 CORPORATE CENTRE DRIVE, SUITE 400
FRANKLIN, TN 37067
* $ 10,000,000 4 $ 786,000
Vermont Federal Credit Union
275 KENNEDY DR
SOUTH BURLINGTON, VT 05407
* $ 228,672,000 4 $ 452,000
Peoples Trust Company of St. Albans
25 KINGMAN STREET, PO BOX 320
ST. ALBANS, VT 05478
* $ 213,495,000 4 $ 695,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 3,930,807,000 3 $ 514,000
Beneficial Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 4,017,643,000 3 $ 417,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 140,777,455,000 3 $ 560,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 4,494,575,000 3 $ 793,000
State Farm Bank
1 STATE FARM PLAZA
BLOOMINGTON, IL 61710
* $ 16,669,297,000 3 $ 477,000
Sovereign Bank
1130 BERKSHIRE BOULEVARD
WYOMISSING, PA 19610
* $ 77,029,703,000 3 $ 712,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 3 $ 431,000
Security Atlantic Wholesale
499 THORNALL ST, SUITE 220
EDISON, NJ 08837
* $ 10,000,000 3 $ 446,000
Mortgage Financial Inc
170 MAIN STREET, SUITE 108
TEWKSBURY, MA 01876
* $ 10,000,000 2 $ 404,000
Freedom Mortgage Corp.
10500 KINCAID DR. STE. 300
FISHERS, IN 46037
* $ 10,000,000 2 $ 457,000
Prospect Mortgage, LLC
15301 VENTURA BLVD. SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 2 $ 358,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 2 $ 115,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 2 $ 179,000
Mortgage Master, Inc.
102 ELM STREET
WALPOLE, MA 02081
* $ 11,250,346,000 2 $ 421,000
Colonial Savings, F. A.
P. O. BOX 2988
FORT WORTH, TX 76113
* $ 941,902,000 2 $ 194,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,503,790,000 2 $ 390,000
Gateway Bank, FSB
2336 MERCED STREET
SAN LEANDRO, CA 94577
* $ 479,176,000 2 $ 352,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 82,416,721,000 2 $ 288,000
United Bank
95 ELM STREET
WEST SPRINGFIELD, MA 01090
* $ 1,261,222,000 2 $ 468,000
Merrill Lynch Credit Corp
4500 PARK GRANADA CA7-910-01-24
CALABASAS, CA 91302
* $ 2,223,299,000 2 $ 1,991,000
Branch Banking and Trust Co
223 W NASH STREET
WILSON, NC 27893
* $ 147,483,646,000 2 $ 264,000
Huntingdon Valley Bank
1388 W STREET ROAD
HUNTINGDON VALLEY, PA 18974
* $ 138,774,000 1 $ 402,000
Hampden Bank
19 HARRISON AVENUE
SPRINGFIELD, MA 01103
* $ 524,531,000 1 $ 54,000
Granite Bank
132 MAIN STREET
COLEBROOK, NH 03576
* $ 194,128,000 1 $ 24,000
HSBC Mortgage Corp
2929 WALDEN AVE
DEPEW, NY 14043
* $ 92,958,000 1 $ 550,000
M&T Bank
1 M&T PLAZA -15TH FLOOR
BUFFALO, NY 14203
* $ 64,824,244,000 1 $ 218,000
BNC National Bank

BISMARCK, ND 58501
* $ 861,403,000 1 $ 331,000
HSBC Bank USA, NA
1 HSBC CENTER - 24TH FLOOR
BUFFALO, NY 14203
* $ 181,604,079,000 1 $ 550,000
Old National Bank
1 MAIN STREET
EVANSVILLE, IN 47708
* $ 7,712,867,000 1 $ 165,000
Capital One NA
11130 INDUSTRIALPLEX BLVD
BATON ROUGE, LA 70809
* $ 115,142,306,000 1 $ 15,000
US Bank North Dakota
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 4,858,594,000 1 $ 35,000
Capital One Home Loans, LLC
12800 FOSTER STREET
OVERLAND PARK, KS 66213
* $ 88,701,411,000 1 $ 145,000
First National Bank of Cc
P.O. BOX 523
WEST CHESTER, PA 19381
* $ 1,297,208,000 1 $ 216,000
First Tennessee Bank NA
165 MADISON 5TH FLOOR
MEMPHIS, TN 38103
* $ 30,786,926,000 1 $ 135,000
National Bank of Middlebury
30 MAIN STREET
MIDDLEBURY, VT 05753
* $ 253,515,000 1 $ 74,000
Hudson City Savings Bank
WEST 80 CENTURY ROAD
PARAMUS, NJ 07652
* $ 53,906,227,000 1 $ 1,000,000
Mwabank
1701 1ST AVENUE
ROCK ISLAND, IL 61201
* $ 208,407,000 1 $ 125,000
Wachovia Mortgage FSB
TONYA YOUNG 100 N MAIN ST MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 69,166,325,000 1 $ 170,000
Indymac Bank, F.S.B.
888 EAST WALNUT ST
PASADENA, CA 91101
* $ 23,334,333,000 1 $ 157,000
Home Savings of America
35 E BROADWAY
LITTLE FALLS, MN 56345
* $ 427,899,000 1 $ 122,000
Lake Sunapee Bank
9 MAIN ST
NEWPORT, NH 03773
* $ 839,436,000 1 $ 108,000
American Bank
9001 EDMONSTON ROAD, SUITE 100
GREENBELT, MD 20770
* $ 529,592,000 1 $ 290,000
Drew Mortgage Associates, Inc
196 BOSTON TPKE
SHREWSBURY, MA 01545
* $ 10,000 1 $ 109,000
Mortgage Partners, Inc
482 AIKEN AVENUE
DRACUT, MA 01826
* $ 15,900,000 1 $ 120,000
Clearpoint Funding, Inc.
4 TECHNOLOGY DRIVE, SUITE 200
WESTBOROUGH, MA 01581
* $ 10,000,000 1 $ 238,000
World Alliance Financial Corp.
3 HUNTINGTON QUADRANGLE SUITE 201N
MELVILLE, NY 11747
* $ 389,397,000 1 $ 125,000
Primary Residential Mortgage
4750 W WILEY POST WAY SUITE 200
SALT LAKE CITY, UT 84116
* $ 10,000,000 1 $ 121,000
Tower Federal Credit Union
7901 SANDY SPRING ROAD
LAUREL, MD 20707
* $ 1,851,772,000 1 $ 86,000
Hanscom Federal Credit Union
1610 EGLIN ST
HANSCOM AFB, MA 01731
* $ 660,039,000 1 $ 232,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ 205,409,000 1 $ 19,000
Financial Freedom Acquisition
1 BANTING
IRVINE, CA 92618
* $ 36,000,000,000 1 $ 158,000
Pentagon Federal Credit Union
14300 SULLYFIELD CIRCLE
CHANTILLY, VA 20151
* $ 12,942,945,000 1 $ 100,000
First Eastern Mortgage Corp
100 BRICKSTONE SQUARE
ANDOVER, MA 01810
* $ 71,936,000 1 $ 143,000
Meridias Capital Incorporated
P.O. BOX 241429
CHARLOTTE, NC 28273
* $ 10,000,000 1 $ 58,000
W. J. Bradley Mortgage Capital
6465 GREENWOOD PLAZA BLVD, SUITE 500
CENTENNIAL, CO 80111
* $ 10,000,000 1 $ 127,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 1 $ 94,000
Continental Home Loans Inc.
175 PINELAWN ROAD, SUITE 303
MELVILLE, NY 11747
* $ 14,386,000 1 $ 134,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 90,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 1 $ 97,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 180,000

The tables below break down 2009 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 2009

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 1,189 $168,658,000 $141,000 $1,000,000 $82,000 $1,849,000
Home Purchase 361 $47,450,000 $131,000 $1,208,000 $76,000 $898,000
Home Improvement 205 $18,177,000 $88,000 $1,680,000 $69,000 $1,000,000

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 1,543 $204,269,000 $132,000 $1,680,000 $81,000 $1,849,000
Not Provided 137 $18,966,000 $138,000 $399,000 $81,000 $429,000
Not applicable 55 $8,809,000 $160,000 $1,000,000 $35,000 $960,000
Hispanic 7 $850,000 $121,000 $170,000 $70,000 $198,000
Black or African American 5 $631,000 $126,000 $191,000 $83,000 $135,000
American Indian or Alaskan Native 4 $522,000 $130,000 $240,000 $53,000 $98,000
Asian 3 $175,000 $58,000 $75,000 $41,000 $79,000
Native Hawaiian or Other Pacific Islander 1 $63,000 $63,000 $63,000 $21,000 $21,000

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) 1,523 $203,708,000 $133,000 $1,680,000 $85,000 $1,849,000
FHA-insured (Federal Housing Administration) 175 $23,339,000 $133,000 $300,000 $43,000 $168,000
VA-guaranteed (Veterans Administration) 37 $5,115,000 $138,000 $225,000 $35,000 $99,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 20 $2,123,000 $106,000 $163,000 $38,000 $70,000

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 1,079 $140,048,000 $129,000 $1,208,000 $84,000 $1,849,000
Application Denied By Financial Institution 339 $42,648,000 $125,000 $417,000 $68,000 $620,000
Application Withdrawn By Applicant 141 $19,306,000 $136,000 $417,000 $78,000 $750,000
Loan Purchased By The Institution 135 $22,400,000 $165,000 $1,000,000 $71,000 $960,000
Application Approved But Not Accepted 41 $5,545,000 $135,000 $410,000 $89,000 $739,000
File Closed For Incompleteness 18 $4,086,000 $227,000 $1,680,000 $115,000 $1,000,000
Preapproval Approved but not Accepted 1 $172,000 $172,000 $172,000 $200,000 $200,000
Preapproval Denied by Financial Institution 1 $80,000 $80,000 $80,000 $81,000 $81,000

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 94 $11,606,000 $123,000 $337,000 $55,000 $410,000
Collateral 64 $9,771,000 $152,000 $417,000 $94,000 $480,000
Credit History 64 $5,697,000 $89,000 $245,000 $60,000 $592,000
Other 21 $2,766,000 $131,000 $285,000 $90,000 $620,000
Credit Application Incomplete 11 $2,132,000 $193,000 $345,000 $128,000 $454,000
Employment History 7 $691,000 $98,000 $182,000 $30,000 $83,000
Unverifiable Information 6 $801,000 $133,000 $264,000 $124,000 $349,000
Insufficient Cash (Downpayment, Closing Cost) 5 $473,000 $94,000 $200,000 $46,000 $70,000
Mortgage Insurance Denied 1 $128,000 $128,000 $128,000 $79,000 $79,000

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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