Mortgage lending in Windsor County, Vermont
Lenders in Windsor County, Vermont reported 2,169 mortgage applications for 2025, according to the CFPB.
2,169 mortgage applications and 1,324 loans originated in 2025; the denial rate was 22.4% of 1,791 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: Windsor County, VT.
- 2,169
- Applications
- 1,324
- Loans originated
- 22.4%
- Denial rate
- 401 denied of 1,791 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,169 | 1,324 |
| 2024 | 1,750 | 1,082 |
| 2023 | 1,704 | 1,066 |
| 2022 | 2,346 | 1,522 |
| 2021 | 3,587 | 2,307 |
| 2020 | 3,174 | 2,013 |
| 2019 | 1,781 | 1,080 |
| 2018 | 1,674 | 957 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Mascoma Bank | 272 | 386 |
| EMM Loans LLC | 138 | 163 |
| Rocket Mortgage | 96 | 141 |
| 802 Credit Union | 65 | 72 |
| Citizens Bank, NA | 62 | 121 |
| EastRise Federal Credit Union | 53 | 78 |
| M&T Bank | 38 | 74 |
| One Credit Union | 25 | 34 |
| CMG Mortgage Inc | 24 | 38 |
| United Wholesale Mortgage | 24 | 35 |
| Bar Harbor Bank & Trust | 23 | 36 |
| Mortgage Research Center | 22 | 53 |
| Community Bank, N.A. | 21 | 32 |
| Service Federal Credit Union | 20 | 32 |
| Primelending | 20 | 28 |
| Bank of America NA | 20 | 38 |
| JPMorgan Chase Bank, NA | 19 | 26 |
| Passumpsic Bank | 16 | 21 |
| Guaranteed Rate, Inc. | 16 | 27 |
| Fairway Independent Mort Corp | 15 | 26 |
| TD Bank | 13 | 26 |
| Navy Federal Credit Union | 13 | 25 |
| Freedom Mortgage Corporation | 13 | 27 |
| Crosscountry Mortgage, LLC | 11 | 23 |
| Amerisave Mortgage Company | 11 | 23 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 13 | no rate: base under 50 |
| Asian | 40 | no rate: base under 50 |
| Black or African American | 12 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,729 | 22.0% of 1,442 decided |
| 2 or more minority races | under 10 | |
| Joint | 38 | no rate: base under 50 |
| Race Not Available | 335 | 23.3% of 266 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 1,679 | 21.8% of 1,400 decided |
| Joint | 45 | no rate: base under 50 |
| Ethnicity Not Available | 400 | 23.0% of 322 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 643 | 29.2% of 514 decided |
| Female | 429 | 24.2% of 359 decided |
| Joint | 863 | 16.4% of 728 decided |
| Sex Not Available | 234 | 23.7% of 190 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. 835 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