Mortgage lending in Chittenden County, Vermont
Lenders in Chittenden County, Vermont reported 5,019 mortgage applications for 2025, according to the CFPB.
5,019 mortgage applications and 3,578 loans originated in 2025; the denial rate was 12.5% of 4,206 applications decided. The median loan was about $265,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Burlington-South Burlington, VT MSA.
- 5,019
- Applications
- 3,578
- Loans originated
- 12.5%
- Denial rate
- 526 denied of 4,206 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 5,019 | 3,578 |
| 2024 | 4,316 | 2,988 |
| 2023 | 4,145 | 2,863 |
| 2022 | 6,316 | 4,567 |
| 2021 | 10,526 | 7,967 |
| 2020 | 11,750 | 8,740 |
| 2019 | 7,207 | 5,221 |
| 2018 | 5,939 | 4,229 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| EastRise Federal Credit Union | 1,213 | 1,553 |
| Vermont Federal Credit Union | 305 | 389 |
| Passumpsic Bank | 225 | 250 |
| EMM Loans LLC | 177 | 200 |
| NorthCountry Federal Credit Union | 141 | 204 |
| Union Bank | 133 | 152 |
| CMG Mortgage Inc | 131 | 165 |
| Citizens Bank, NA | 115 | 207 |
| Rocket Mortgage | 109 | 163 |
| M&T Bank | 92 | 151 |
| Community Bank, N.A. | 90 | 128 |
| TD Bank | 62 | 102 |
| United Wholesale Mortgage | 62 | 75 |
| Northfield Savings Bank | 59 | 75 |
| Mascoma Bank | 44 | 68 |
| NBT Bank NA | 35 | 54 |
| Better Mortgage Corporation | 29 | 43 |
| Fairway Independent Mort Corp | 27 | 34 |
| Green Mountain Credit Union | 26 | 26 |
| 802 Credit Union | 19 | 19 |
| Newrez LLC | 19 | 53 |
| Keybank National Association | 18 | 42 |
| Ark-LA-Tex Financial Services LLC | 17 | 17 |
| Navy Federal Credit Union | 17 | 29 |
| Freedom Mortgage Corporation | 17 | 32 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 18 | no rate: base under 50 |
| Asian | 191 | 18.3% of 153 decided |
| Black or African American | 83 | 27.0% of 63 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,734 | 11.8% of 3,158 decided |
| 2 or more minority races | under 10 | |
| Joint | 129 | 12.6% of 111 decided |
| Race Not Available | 857 | 12.2% of 704 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 3,936 | 12.8% of 3,329 decided |
| Joint | 89 | 9.4% of 64 decided |
| Ethnicity Not Available | 906 | 11.0% of 744 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,250 | 17.8% of 1,008 decided |
| Female | 1,017 | 15.0% of 838 decided |
| Joint | 2,178 | 9.1% of 1,880 decided |
| Sex Not Available | 574 | 10.4% of 480 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. 503 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