Mortgage lending in Franklin County, Vermont
Lenders in Franklin County, Vermont reported 1,992 mortgage applications for 2025, according to the CFPB.
1,992 mortgage applications and 1,333 loans originated in 2025; the denial rate was 15.7% of 1,653 applications decided. The median loan was about $225,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Burlington-South Burlington, VT MSA.
- 1,992
- Applications
- 1,333
- Loans originated
- 15.7%
- Denial rate
- 260 denied of 1,653 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,992 | 1,333 |
| 2024 | 1,855 | 1,196 |
| 2023 | 1,836 | 1,153 |
| 2022 | 2,324 | 1,571 |
| 2021 | 3,585 | 2,515 |
| 2020 | 3,612 | 2,551 |
| 2019 | 2,392 | 1,645 |
| 2018 | 2,134 | 1,444 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| EastRise Federal Credit Union | 312 | 426 |
| Vermont Federal Credit Union | 176 | 225 |
| Peoples Trust Company of ST. Albans | 139 | 169 |
| Rocket Mortgage | 80 | 106 |
| Union Bank | 63 | 78 |
| EMM Loans LLC | 44 | 49 |
| NorthCountry Federal Credit Union | 42 | 72 |
| CMG Mortgage Inc | 37 | 61 |
| Passumpsic Bank | 29 | 32 |
| Community Bank, N.A. | 27 | 40 |
| Mortgage Research Center | 24 | 53 |
| Movement Mortgage, LLC | 21 | 29 |
| Freedom Mortgage Corporation | 21 | 40 |
| United Wholesale Mortgage | 19 | 22 |
| Guild Mortgage Company | 18 | 19 |
| New American Funding, LLC. | 18 | 30 |
| Better Mortgage Corporation | 17 | 24 |
| Citizens Bank, NA | 17 | 60 |
| Ark-LA-Tex Financial Services LLC | 15 | 17 |
| M&T Bank | 14 | 34 |
| Fairway Independent Mort Corp | 13 | 16 |
| TD Bank | 12 | 24 |
| Newrez LLC | 10 | 37 |
| Pennymac Loan Services LLC | 10 | 30 |
| Mutual of Omaha Mortgage | 8 | 10 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 24 | no rate: base under 50 |
| Asian | 12 | no rate: base under 50 |
| Black or African American | 16 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,568 | 15.6% of 1,331 decided |
| 2 or more minority races | under 10 | |
| Joint | 49 | no rate: base under 50 |
| Race Not Available | 320 | 12.9% of 248 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 36 | no rate: base under 50 |
| Not Hispanic or Latino | 1,551 | 15.8% of 1,302 decided |
| Joint | 45 | no rate: base under 50 |
| Ethnicity Not Available | 360 | 14.8% of 284 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 543 | 17.9% of 446 decided |
| Female | 326 | 25.4% of 279 decided |
| Joint | 863 | 11.8% of 722 decided |
| Sex Not Available | 260 | 11.7% of 206 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. 833 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