Mortgage lending in Addison County, Vermont
Lenders in Addison County, Vermont reported 995 mortgage applications for 2025, according to the CFPB.
995 mortgage applications and 640 loans originated in 2025; the denial rate was 19.7% of 821 applications decided. The median loan was about $205,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Addison County, VT.
- 995
- Applications
- 640
- Loans originated
- 19.7%
- Denial rate
- 162 denied of 821 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 995 | 640 |
| 2024 | 931 | 606 |
| 2023 | 954 | 610 |
| 2022 | 1,378 | 952 |
| 2021 | 2,122 | 1,452 |
| 2020 | 2,088 | 1,502 |
| 2019 | 1,551 | 1,063 |
| 2018 | 1,356 | 888 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| EastRise Federal Credit Union | 122 | 170 |
| Vermont Federal Credit Union | 121 | 168 |
| National Bank of Middlebury | 83 | 112 |
| Community Bank, N.A. | 28 | 45 |
| Passumpsic Bank | 26 | 27 |
| Rocket Mortgage | 24 | 42 |
| Citizens Bank, NA | 20 | 36 |
| M&T Bank | 20 | 28 |
| EMM Loans LLC | 19 | 22 |
| CMG Mortgage Inc | 18 | 25 |
| Union Bank | 15 | 20 |
| NorthCountry Federal Credit Union | 14 | 21 |
| One Credit Union | 9 | 12 |
| Mascoma Bank | 6 | 9 |
| Green Mountain Credit Union | 6 | 6 |
| 21ST Mortgage | 6 | 12 |
| Pennymac Loan Services LLC | 6 | 8 |
| Northfield Savings Bank | 5 | 12 |
| Mortgage Research Center | 5 | 10 |
| Nationstar Mortgage | 5 | 6 |
| Freedom Mortgage Corporation | 5 | 13 |
| Farm Credit East ACA | 4 | 4 |
| Keybank National Association | 4 | 9 |
| TD Bank | 3 | 4 |
| Navy Federal Credit Union | 3 | 5 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | under 10 | |
| White | 820 | 18.4% of 679 decided |
| 2 or more minority races | under 10 | |
| Joint | 22 | no rate: base under 50 |
| Race Not Available | 140 | 27.4% of 113 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 813 | 18.6% of 677 decided |
| Joint | withheld | |
| Ethnicity Not Available | 155 | 27.6% of 123 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 232 | 22.9% of 188 decided |
| Female | 221 | 28.6% of 189 decided |
| Joint | 444 | 12.8% of 368 decided |
| Sex Not Available | 98 | 23.7% of 76 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1084 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved