Orleans County, VT Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 1,044 mortgage applications in Orleans County, VT totaling $138.9 million, up 4% from 2015. The average application was for $133,000, and applicants reported an average income of $77,000. 56% of applications resulted in an originated loan and 22% were denied. The most active lender was Community National Bank, with 199 applications, followed by Northcountry Federal Credit Union 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 | 1,044 |
| Total Mortgage Loan Application Amount | $138,879,000 |
| Average Mortgage Loan Application Amount | $133,000 |
| Highest Mortgage Loan Application Amount | $700,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $2,912,000 |
* 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 |
|---|---|---|---|---|
| Community National Bank 4811 US ROUTE 5 NEWPORT, VT 05855 |
* | $ 595,508,000 | 199 | $ 26,833,000 |
| Northcountry Federal Credit Union PO BOX 64709 BURLINGTON, VT 05406 |
* | $ 484,525,000 | 186 | $ 16,857,000 |
| Union Bank 20 LOWER MAIN STREET PO BOX 667 MORRISVILLE, VT 05661 |
* | $ 627,840,000 | 111 | $ 16,198,000 |
| Passumpsic Bank 25 MR ARTHUR DRIVE CHESTERFIELD, NH 03466 |
* | $ 306,000,000 | 62 | $ 9,031,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 61 | $ 9,827,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 36 | $ 5,033,000 |
| Vermont State Employees ONE BAILEY AVENUE MONTPELIER, VT 05602 |
* | $ 681,503,000 | 26 | $ 2,701,000 |
| Eastrise Federal Credit Union 141 HARVEST LANE WILLISTON, VT 05495 |
* | $ 1,105,558,000 | 22 | $ 3,342,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 246,485,756,000 | 21 | $ 1,891,000 |
| People's United Bank 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 38,450,416,000 | 19 | $ 2,307,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 18 | $ 2,201,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 17 | $ 2,435,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 15 | $ 1,667,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 13 | $ 2,197,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 13 | $ 2,356,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 11 | $ 2,438,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 9 | $ 1,230,000 |
| Merchants Bank PO BOX 1009 BURLINGTON, VT 05402 |
* | $ 2,025,018,000 | 9 | $ 1,177,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 8 | $ 1,102,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 8 | $ 979,000 |
| Vermont Federal Credit Union 275 KENNEDY DR SOUTH BURLINGTON, VT 05407 |
* | $ 458,327,000 | 7 | $ 554,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 7 | $ 1,090,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 6 | $ 1,031,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 6 | $ 1,047,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 451,930,000 | 5 | $ 1,028,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 5 | $ 446,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 5 | $ 1,184,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 4 | $ 696,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 108,064,717,000 | 3 | $ 124,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 355,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 3 | $ 602,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 3 | $ 63,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 447,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 3 | $ 577,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 3 | $ 289,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 3 | $ 498,000 |
| Service Federal Credit Union 3003 LAFAYETTE ROAD PORTSMOUTH, NH 03801 |
* | $ 2,778,692,000 | 2 | $ 262,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 332,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 212,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 113,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 346,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 2 | $ 793,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 2 | $ 243,000 |
| Norwich Commercial Group Inc 38 SECURITY DRIVE AVON, CT 06001 |
* | $ 17,789,000 | 2 | $ 495,000 |
| Northfield Savings Bank 1021 PAINE TURNPIKE NORTH BERLIN, VT 05602 |
* | $ 861,808,000 | 2 | $ 183,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 2 | $ 446,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 273,231,606,000 | 2 | $ 243,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 391,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 8,198,830,000 | 2 | $ 331,000 |
| The Camden National Bank 2 ELM STREET CAMDEN, ME 04843 |
* | $ 3,681,225,000 | 1 | $ 100,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 1 | $ 156,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 42,042,000,000 | 1 | $ 166,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,077,735,000 | 1 | $ 265,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,949,868,000 | 1 | $ 220,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 7,811,263,000 | 1 | $ 362,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 504,343,000 | 1 | $ 150,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 1 | $ 242,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 11,567,246,000 | 1 | $ 104,000 |
| Scient Federal Credit Union 60 COLVER AVENUE GROTON, CT 06340 |
* | $ 229,705,000 | 1 | $ 60,000 |
| Mb Financial Bank, National Association 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 15,536,515,000 | 1 | $ 100,000 |
| Stifel Bank & Trust 501 N BROADWAY ST LOUIS, MO 63141 |
* | $ 7,273,809,000 | 1 | $ 416,000 |
| Lake Sunapee Bank 9 MAIN ST NEWPORT, NH 03773 |
* | $ 1,517,449,000 | 1 | $ 80,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 1 | $ 104,000 |
| Peoples Trust Company of St. Albans 25 KINGMAN STREET, PO BOX 320 ST. ALBANS, VT 05478 |
* | $ 254,906,000 | 1 | $ 231,000 |
| Main Street Bank 81 GRANGER BOULEVARD MARLBOROUGH, MA 01432 |
* | $ 516,737,000 | 1 | $ 20,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ 10,000,000 | 1 | $ 404,000 |
| Priority Funding LLC 292 MAIN STREET, STE G1 NORTHBORO, MA 01532 |
* | $ 1,486,000 | 1 | $ 11,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 5,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 74,000 |
| Live Well Financial, Inc. 1011 BOULDER SPRINGS DRIVE RICHMOND, VA 23225 |
* | $ 176,870,000 | 1 | $ 51,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 318,361,000 | 1 | $ 129,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 162,000 |
| Mortgage Financial Inc 170 MAIN STREET, SUITE 108 TEWKSBURY, MA 01876 |
* | $ 10,000,000 | 1 | $ 137,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 99,000 |
| Dr Bank 1001 POST ROAD DARIEN, CT 06820 |
* | $ 584,839,000 | 1 | $ 176,000 |
The tables below break down 2016 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 2016
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 | 480 | $67,050,000 | $139,000 | $700,000 | $75,000 | $1,200,000 |
| Home Purchase | 411 | $57,515,000 | $139,000 | $580,000 | $76,000 | $563,000 |
| Home Improvement | 153 | $14,314,000 | $93,000 | $400,000 | $88,000 | $2,912,000 |
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 | 889 | $116,171,000 | $130,000 | $480,000 | $81,000 | $2,912,000 |
| Not Provided | 81 | $10,828,000 | $133,000 | $408,000 | $77,000 | $225,000 |
| Not applicable | 45 | $6,980,000 | $155,000 | $700,000 | $6,000 | $72,000 |
| American Indian or Alaskan Native | 9 | $1,203,000 | $133,000 | $297,000 | $75,000 | $172,000 |
| Asian | 9 | $2,268,000 | $252,000 | $580,000 | $118,000 | $337,000 |
| Hispanic | 7 | $826,000 | $118,000 | $276,000 | $45,000 | $79,000 |
| Black or African American | 3 | $435,000 | $145,000 | $360,000 | $14,000 | $25,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $168,000 | $168,000 | $168,000 | $111,000 | $111,000 |
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) | 834 | $107,059,000 | $128,000 | $700,000 | $85,000 | $2,912,000 |
| FHA-insured (Federal Housing Administration) | 88 | $11,989,000 | $136,000 | $276,000 | $48,000 | $133,000 |
| VA-guaranteed (Veterans Administration) | 77 | $14,263,000 | $185,000 | $398,000 | $49,000 | $123,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 45 | $5,568,000 | $123,000 | $231,000 | $40,000 | $87,000 |
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 | 585 | $76,037,000 | $129,000 | $700,000 | $82,000 | $2,912,000 |
| Application Denied By Financial Institution | 232 | $32,569,000 | $140,000 | $580,000 | $73,000 | $1,200,000 |
| Application Withdrawn By Applicant | 114 | $16,063,000 | $140,000 | $408,000 | $86,000 | $563,000 |
| Application Approved But Not Accepted | 53 | $5,577,000 | $105,000 | $309,000 | $76,000 | $237,000 |
| Loan Purchased By The Institution | 41 | $5,869,000 | $143,000 | $414,000 | $12,000 | $116,000 |
| File Closed For Incompleteness | 19 | $2,764,000 | $145,000 | $362,000 | $64,000 | $120,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 60 | $7,976,000 | $132,000 | $338,000 | $46,000 | $138,000 |
| Credit History | 44 | $5,163,000 | $117,000 | $400,000 | $54,000 | $165,000 |
| Collateral | 25 | $3,502,000 | $140,000 | $360,000 | $97,000 | $340,000 |
| Credit Application Incomplete | 10 | $1,721,000 | $172,000 | $280,000 | $64,000 | $98,000 |
| Other | 6 | $1,097,000 | $182,000 | $344,000 | $109,000 | $394,000 |
| Unverifiable Information | 4 | $540,000 | $135,000 | $175,000 | $98,000 | $174,000 |
| Employment History | 3 | $134,000 | $44,000 | $80,000 | $34,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $788,000 | $394,000 | $580,000 | $243,000 | $337,000 |
| 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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