Orleans County, VT Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 1,244 mortgage applications in Orleans County, VT totaling $209.5 million, down 20% from 2021. The average application was for $168,000, and applicants reported an average income of $107,000. 59% of applications resulted in an originated loan and 16% were denied. The most active lender was Northcountry Federal Credit Union, with 302 applications, followed by Community National Bank and Union 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 1,244
Total Mortgage Loan Application Amount $209,500,000
Average Mortgage Loan Application Amount $168,000
Highest Mortgage Loan Application Amount $1,045,000
Average Applicant Income $107,000
Highest Applicant Income $1,553,000

Mortgage Company List for Lending in Orleans County, VT for 2022

* 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
* $ 897,680,000 302 $ 34,040,000
Community National Bank
4811 US ROUTE 5
NEWPORT, VT 05855
* $ 1,018,533,000 148 $ 23,900,000
Union Bank
20 LOWER MAIN STREET PO BOX 667
MORRISVILLE, VT 05661
* $ 1,204,547,000 107 $ 23,145,000
Vermont State Employees
ONE BAILEY AVENUE
MONTPELIER, VT 05602
* $ 1,088,140,000 35 $ 2,925,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 423,958,417,000 30 $ 3,960,000
Passumpsic Bank
25 MR ARTHUR DRIVE
CHESTERFIELD, NH 03466
* $ -1,000 29 $ 4,285,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 27 $ 3,685,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 27 $ 5,225,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 24 $ 6,040,000
Eastrise Federal Credit Union
141 HARVEST LANE
WILLISTON, VT 05495
* $ 1,945,219,000 24 $ 4,430,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 15,323,828,000 23 $ 4,465,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 22 $ 4,150,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 20 $ 4,490,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 20 $ 3,400,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 16 $ 3,220,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 16 $ 3,240,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 14 $ 2,800,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 14 $ 3,960,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 154,617,469,000 13 $ 1,445,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 12 $ 2,260,000
Northfield Savings Bank
1021 PAINE TURNPIKE NORTH
BERLIN, VT 05602
* $ 1,401,871,000 11 $ 1,895,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 10 $ 1,860,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 10 $ 3,410,000
Vermont Federal Credit Union
275 KENNEDY DR
SOUTH BURLINGTON, VT 05407
* $ 872,923,000 10 $ 1,550,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 10 $ 1,820,000
People's United Bank
850 MAIN STREET
BRIDGEPORT, CT 06604
* $ 58,343,490,000 10 $ 1,120,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 10 $ 970,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 9 $ 1,675,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 8 $ 1,250,000
Mascoma Bank
243 SYKES MOUNTAIN AVE BOX 4399
LEBANON, NH 03766
* $ 2,644,953,000 7 $ 1,595,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 7 $ 1,425,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 6 $ 940,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 6 $ 1,580,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 6 $ 390,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 5 $ 315,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 5 $ 1,175,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 5 $ 1,385,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 5 $ 1,455,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 4 $ 610,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 4 $ 1,260,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 183,977,708,000 4 $ 870,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 4 $ 700,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 4 $ 760,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 3 $ 695,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 3 $ 215,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 3 $ 135,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 3 $ 685,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 3 $ 485,000
Harborone Mortgage, LLC
1045 ELM ST SUITE 601
MANCHESTER, NH 03101
* $ -1,000 3 $ 855,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 3 $ 545,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ -1,000 3 $ 905,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 3 $ 695,000
Peoplesbank
330 WHITNEY AVENUE
HOLYOKE, MA 01040
* $ 3,580,270,000 2 $ 70,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 430,000
Service Federal Credit Union
3003 LAFAYETTE ROAD
PORTSMOUTH, NH 03801
* $ 5,191,780,000 2 $ 150,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 2 $ 690,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 2 $ 440,000
Draper and Kramer Mortgage Corp.
1431 OPUS PLACE SUITE 200
WILMINGTON, DE 60515
* $ -1,000 2 $ 550,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 2 $ 800,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 2 $ 160,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 2 $ 830,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,726,840,000 2 $ 370,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 2 $ 540,000
Hanscom Federal Credit Union
1610 EGLIN ST
HANSCOM AFB, MA 01731
* $ 1,804,018,000 2 $ 400,000
Ally Bank

CHARLOTTE, NC 28202
* $ 172,820,000,000 2 $ 260,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 2 $ 280,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 456,669,000 2 $ 490,000
Atlanta Postal Credit Union
1605 BOGGS ROAD
ATLANTA, GA 30354
* $ 2,565,203,000 1 $ 65,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 1 $ 425,000
Lighthouse Federal Credit Union
100 BORTHWICK AVE
PORTSMOUTH, NH 03801
* $ 1,982,810,000 1 $ 205,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 1 $ 85,000
Centennial Bank
PO BOX 966
ARKANSAS, AR 72033
* $ 18,017,667,000 1 $ 75,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 9,886,658,000 1 $ 255,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 1 $ 235,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,041,605,000 1 $ 115,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 225,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 155,000
Green Mountain Credit Union
25 WINOOSKI FALLS WAY SUITE 203
WINOOSKI, VT 05404
* $ 59,710,000 1 $ 165,000
Shelter Growth Capital Partners LLC
750 WASHINGTON BLVD
WILMINGTON, DE 06901
* $ -1,000 1 $ 185,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 11,919,970,000 1 $ 415,000
Agwest Farm Credit, Flca
2001 SOUTH FLINT ROAD
SPOKANE, WA 99224
* $ -1,000 1 $ 555,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 1 $ 265,000
Envision Bank
10 CABOT PLACE
STOUGHTON, MA 02072
* $ 802,743,000 1 $ 175,000
First Republic Bank
111 PINE STREET
SAN FRANCISCO, CA 94111
* $ 181,087,209,000 1 $ 635,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 165,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 420,502,000,000 1 $ 395,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 14,047,081,000 1 $ 225,000
Leader Bank NA
141 MASSACHUSETTS AVENUE
ARLINGTON, MA 02474
* $ 3,077,235,000 1 $ 95,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 1 $ 235,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 165,000
Unity Bank
64 OLD HIGHWAY 22
CLINTON, NJ 08809
* $ 2,022,383,000 1 $ 325,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 95,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 285,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 295,000
Chickasaw Community Bank
909 S MERIDIAN AVE
OKLAHOMA CITY, OK 73142
* $ 349,214,000 1 $ 185,000
First National Bank of Omaha
1620 DODGE STREET
OMAHA, NE 68197
* $ 26,812,859,000 1 $ 135,000
Mortgage Equity Partners LLC
220 BROADWAY SUITE 205
LYNNFIELD, MA 01940
* $ -1,000 1 $ 355,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 3,310,189,000 1 $ 215,000
Toyota Financial Savings Bank
2485 VILLAGE VIEW DRIVE, SUITE 200
HENDERSON, NV 89074
* $ 4,410,685,000 1 $ 455,000
State Departmenet Federal Credit Union
1630 KING STREET
ALEXANDRIA, VA 22314
* $ 2,625,847,000 1 $ 155,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 355,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 165,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 1 $ 135,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 154,830,000,000 1 $ 435,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 1 $ 205,000
First State Bank
801 E CALIFORNIA STREET
GAINESVILLE, TX 76240
* $ 1,609,236,000 1 $ 405,000

The tables below break down 2022 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 2022

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 571 $121,475,000 $212,000 $1,045,000 $119,000 $1,553,000
Cash-out Refinancing 266 $44,190,000 $166,000 $615,000 $82,000 $549,000
Refinancing 174 $23,590,000 $135,000 $715,000 $100,000 $744,000
Home Improvement 142 $11,020,000 $77,000 $455,000 $99,000 $1,200,000
Other Purpose 89 $9,075,000 $101,000 $605,000 $139,000 $1,330,000
Not Applicable 2 $150,000 $75,000 $85,000 $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 917 $144,615,000 $157,000 $1,045,000 $100,000 $1,330,000
Not Provided 208 $41,640,000 $200,000 $895,000 $136,000 $1,553,000
Not applicable 77 $16,145,000 $209,000 $715,000 $136,000 $285,000
Hispanic 15 $2,375,000 $158,000 $265,000 $71,000 $143,000
American Indian or Alaskan Native 13 $2,385,000 $183,000 $415,000 $155,000 $1,201,000
Black or African American 7 $1,095,000 $156,000 $285,000 $115,000 $331,000
Asian 2 $380,000 $190,000 $305,000 $141,000 $269,000
Native Hawaiian or Other Pacific Islander 2 $420,000 $210,000 $215,000 $59,000 $70,000

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) 1,058 $173,330,000 $163,000 $1,045,000 $112,000 $1,553,000
FHA-insured (Federal Housing Administration) 102 $17,670,000 $173,000 $415,000 $70,000 $201,000
VA-guaranteed (Veterans Administration) 62 $15,000,000 $241,000 $505,000 $83,000 $249,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 22 $3,500,000 $159,000 $235,000 $55,000 $81,000

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 738 $125,740,000 $170,000 $1,045,000 $112,000 $1,330,000
Application Denied By Financial Institution 197 $29,395,000 $149,000 $645,000 $81,000 $1,200,000
Application Withdrawn By Applicant 173 $30,795,000 $178,000 $645,000 $125,000 $1,553,000
Loan Purchased By The Institution 59 $12,625,000 $213,000 $525,000 $143,000 $285,000
File Closed For Incompleteness 56 $8,050,000 $143,000 $605,000 $81,000 $355,000
Application Approved But Not Accepted 21 $2,895,000 $137,000 $365,000 $102,000 $319,000
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 1,046 $179,940,000 $172,000 $1,045,000 $113,000 $1,553,000
Debt-To-Income Ratio 83 $12,845,000 $154,000 $605,000 $52,000 $350,000
Credit History 45 $6,245,000 $138,000 $645,000 $76,000 $280,000
Collateral 31 $4,555,000 $146,000 $255,000 $117,000 $1,200,000
Other 18 $2,510,000 $139,000 $355,000 $97,000 $275,000
Credit Application Incomplete 13 $1,705,000 $131,000 $335,000 $87,000 $241,000
Insufficient Cash (Downpayment, Closing Cost) 4 $500,000 $125,000 $145,000 $56,000 $82,000
Unverifiable Information 3 $955,000 $318,000 $345,000 $423,000 $744,000
Employment History 1 $245,000 $245,000 $245,000 $61,000 $61,000
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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