Mortgage lending in Essex County, Vermont
Lenders in Essex County, Vermont reported 239 mortgage applications for 2025, according to the CFPB.
239 mortgage applications and 139 loans originated in 2025; the denial rate was 23.4% of 184 applications decided. The median loan was about $165,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Essex County, VT.
- 239
- Applications
- 139
- Loans originated
- 23.4%
- Denial rate
- 43 denied of 184 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 239 | 139 |
| 2024 | 223 | 120 |
| 2023 | 222 | 120 |
| 2022 | 296 | 162 |
| 2021 | 326 | 205 |
| 2020 | 261 | 152 |
| 2019 | 174 | 98 |
| 2018 | 216 | 112 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 15 | 20 |
| Union Bank | 12 | 15 |
| Community National Bank | 12 | 14 |
| NorthCountry Federal Credit Union | 12 | 26 |
| EastRise Federal Credit Union | 11 | 16 |
| Citizens Bank, NA | 9 | 14 |
| Mascoma Bank | 7 | 14 |
| Navy Federal Credit Union | 4 | 6 |
| Community Bank, N.A. | 3 | 4 |
| Mortgage Research Center | 3 | 9 |
| New American Funding, LLC. | 3 | 4 |
| CMG Mortgage Inc | 3 | 3 |
| Fairway Independent Mort Corp | 3 | 3 |
| The Camden National Bank | 3 | 4 |
| Service Federal Credit Union | 2 | 2 |
| Lighthouse Federal Credit Union | 2 | 2 |
| Guild Mortgage Company | 2 | 2 |
| The Federal Savings Bank | 2 | 2 |
| Passumpsic Bank | 2 | 4 |
| EMM Loans LLC | 2 | 3 |
| Newrez LLC | 2 | 3 |
| Bangor Savings Bank | 2 | 4 |
| Figure Lending LLC | 1 | 2 |
| Primelending | 1 | 1 |
| Ark-LA-Tex Financial Services LLC | 1 | 1 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| White | 194 | 22.6% of 146 decided |
| Joint | under 10 | |
| Race Not Available | 39 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Not Hispanic or Latino | 193 | 23.6% of 148 decided |
| Joint | under 10 | |
| Ethnicity Not Available | withheld |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 78 | 29.0% of 62 decided |
| Female | 32 | no rate: base under 50 |
| Joint | 101 | 17.1% of 76 decided |
| Sex Not Available | 28 | no rate: base under 50 |
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. 1662 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