Windham County, VT Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 1,172 mortgage applications in Windham County, VT totaling $299.6 million, down 34% from 2022. The average application was for $255,000, and applicants reported an average income of $207,000. 54% of applications resulted in an originated loan and 18% were denied. The most active lender was Citizens Bank, NA, with 83 applications, followed by M&T Bank and Eastrise Federal Credit Union.
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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 | 1,172 |
| Total Mortgage Loan Application Amount | $299,630,000 |
| Average Mortgage Loan Application Amount | $255,000 |
| Highest Mortgage Loan Application Amount | $2,455,000 |
| Average Applicant Income | $207,000 |
| Highest Applicant Income | $5,400,000 |
Top Mortgage Lenders in Windham County, VT (2023)
Ranked by the number of mortgage applications each lender reported in Windham County, VT in 2023.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Citizens Bank, NA Providence, RI |
83 | $15,185,000 | $182,000 | $215,000 |
| 2 | M&T Bank Buffalo, NY |
81 | $14,685,000 | $181,000 | $116,000 |
| 3 | Eastrise Federal Credit Union Williston, VT |
78 | $8,970,000 | $115,000 | $103,000 |
| 4 | Advisors Mortgage Group, LLC Ocean, NJ |
71 | $23,955,000 | $337,000 | $317,000 |
| 5 | 802 Credit Union Barre, VT |
48 | $10,840,000 | $225,000 | $119,000 |
| 6 | TD Bank Mount Laurel, NJ |
45 | $12,575,000 | $279,000 | $303,000 |
| 7 | JPMorgan Chase Bank, NA Columbus, OH |
44 | $21,910,000 | $497,000 | $327,000 |
| 8 | Mascoma Bank Lebanon, NH |
40 | $7,410,000 | $185,000 | $197,000 |
| 9 | Community Bank, N.A. Canton, NY |
34 | $5,620,000 | $165,000 | $121,000 |
| 10 | Discover Bank Greenwood, DE |
32 | $2,360,000 | $73,000 | $109,000 |
The tables below break down 2023 mortgage applications in Windham 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 Windham County, VT in 2023
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 | 585 | $192,845,000 | $329,000 | $2,005,000 | $237,000 | $2,548,000 |
| Home Improvement | 171 | $16,785,000 | $98,000 | $555,000 | $130,000 | $1,300,000 |
| Cash-out Refinancing | 163 | $35,985,000 | $220,000 | $725,000 | $201,000 | $5,400,000 |
| Other Purpose | 154 | $32,380,000 | $210,000 | $2,455,000 | $228,000 | $2,908,000 |
| Refinancing | 93 | $19,085,000 | $205,000 | $755,000 | $146,000 | $1,392,000 |
| Not Applicable | 6 | $2,550,000 | $425,000 | $1,155,000 | $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 | 794 | $185,910,000 | $234,000 | $2,455,000 | $202,000 | $5,400,000 |
| Not Provided | 237 | $68,745,000 | $290,000 | $1,505,000 | $244,000 | $2,348,000 |
| Not applicable | 71 | $28,315,000 | $398,000 | $1,805,000 | $221,000 | $520,000 |
| Hispanic | 35 | $7,445,000 | $212,000 | $545,000 | $141,000 | $600,000 |
| Black or African American | 13 | $4,635,000 | $356,000 | $895,000 | $196,000 | $398,000 |
| Asian | 11 | $2,955,000 | $268,000 | $615,000 | $188,000 | $420,000 |
| American Indian or Alaskan Native | 6 | $730,000 | $121,000 | $295,000 | $74,000 | $134,000 |
| 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) | 1,056 | $269,680,000 | $255,000 | $2,455,000 | $219,000 | $5,400,000 |
| FHA-insured (Federal Housing Administration) | 79 | $19,505,000 | $246,000 | $485,000 | $89,000 | $263,000 |
| VA-guaranteed (Veterans Administration) | 35 | $10,235,000 | $292,000 | $585,000 | $122,000 | $257,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $210,000 | $105,000 | $205,000 | $74,000 | $74,000 |
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 | 629 | $165,545,000 | $263,000 | $2,455,000 | $230,000 | $2,908,000 |
| Application Denied By Financial Institution | 212 | $41,880,000 | $197,000 | $1,345,000 | $141,000 | $2,548,000 |
| Application Withdrawn By Applicant | 159 | $40,225,000 | $252,000 | $1,045,000 | $223,000 | $5,400,000 |
| Loan Purchased By The Institution | 79 | $31,165,000 | $394,000 | $1,805,000 | $217,000 | $520,000 |
| File Closed For Incompleteness | 77 | $16,415,000 | $213,000 | $1,005,000 | $179,000 | $1,915,000 |
| Application Approved But Not Accepted | 14 | $4,100,000 | $292,000 | $715,000 | $135,000 | $291,000 |
| Preapproval Denied by Financial Institution | 2 | $300,000 | $150,000 | $215,000 | $45,000 | $45,000 |
| Preapproval Approved but not Accepted | 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 | 955 | $255,785,000 | $267,000 | $2,455,000 | $219,000 | $5,400,000 |
| Debt-To-Income Ratio | 82 | $15,850,000 | $193,000 | $885,000 | $133,000 | $2,862,000 |
| Collateral | 54 | $13,460,000 | $249,000 | $1,345,000 | $183,000 | $921,000 |
| Credit History | 32 | $3,460,000 | $108,000 | $505,000 | $107,000 | $479,000 |
| Other | 17 | $3,785,000 | $222,000 | $765,000 | $310,000 | $2,548,000 |
| Credit Application Incomplete | 15 | $2,185,000 | $145,000 | $365,000 | $95,000 | $220,000 |
| Unverifiable Information | 9 | $2,695,000 | $299,000 | $555,000 | $179,000 | $480,000 |
| Employment History | 5 | $935,000 | $187,000 | $405,000 | $81,000 | $124,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,475,000 | $491,000 | $895,000 | $183,000 | $290,000 |
| 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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