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Mortgage lending in Vermont

Lenders in Vermont reported 20,684 mortgage applications for 2025, according to the CFPB.

20,684 mortgage applications and 13,418 loans originated in 2025. 3,065 of the 16,965 applications decided were denied, 18.1%. From 2025, the CFPB’s Snapshot release.

20,684
Applications
13,418
Loans originated
20.8 per 1,000 residents, over the Census Bureau's 2025 estimate.
18.1%
Denial rate
3,065 denied of 16,965 applications decided.

The largest lenders in Vermont

2 more columns on a wider screen

Lenders in Vermont by loans originated, 2025
RankLenderOriginated
1EastRise Federal Credit Union2,632
2Rocket Mortgage786
3Vermont Federal Credit Union771
4NorthCountry Federal Credit Union740
5EMM Loans LLC644
6Union Bank533
7Mascoma Bank500
8Passumpsic Bank458
9Community Bank, N.A.402
10Citizens Bank, NA397
11M&T Bank352
12CMG Mortgage Inc318
13802 Credit Union310
14Community National Bank262
15Northfield Savings Bank225
16TD Bank207
17Mortgage Research Center167
18United Wholesale Mortgage166
19Peoples Trust Company of ST. Albans165
20Guild Mortgage Company154
21Fairway Independent Mort Corp119
22Better Mortgage Corporation117
23National Bank of Middlebury116
24Freedom Mortgage Corporation99
25Navy Federal Credit Union92

Counties in Vermont

1 more column on a wider screen

Counties in Vermont by loans originated, with the median loan, 2025
CountyOriginatedMedian loan
Chittenden County3,578$265,000
Washington County1,383$215,000
Franklin County1,333$225,000
Windsor County1,324$225,000
Rutland County983$205,000
Windham County864$225,000
Lamoille County666$255,000
Orleans County641$165,000
Addison County640$205,000
Caledonia County594$175,000
Orange County522$205,000
Bennington County519$215,000
Grand Isle County235$235,000
Essex County139$165,000

Vermont elsewhere on the Factbook

  • Reported crime Crime and justice

    Offenses reported to police by type, the trend, and the reporting coverage.

  • Most dangerous cities in Vermont Crime and justice

    What each agency serving 25,000 or more reported, ranked. Agency populations overlap, so these do not add up to the state.

  • Prison population Crime and justice

    People held under the state’s correctional authority, and the imprisonment rate. A different publisher counting a different thing.

  • Arrests by race, sex and age Crime and justice

    Arrests as the FBI’s participating agencies reported them, with what the figures can and cannot support at the top.

  • Hate crime Crime and justice

    Incidents reported to the FBI by bias motivation, as counts — the collection publishes no participation share, so there is no rate to compare states on.

  • Federal obligations Federal spending

    What federal agencies obligated against a place of performance in the state, per resident and by agency.

  • Registered nonprofits Nonprofits

    How many organizations the IRS lists in the state, what they report as revenue, and which kinds of work they do.

  • Payments to doctors Health

    What drug and device companies reported paying doctors with a practice address in the state, and the largest recipients.

  • Farm program payments Farm subsidies

    What the Farm Service Agency paid through the state’s county offices, by program and by recipient. The offices that administered the payments, not a count of farms: a recipient addressed elsewhere is counted where they were paid.

  • Paycheck Protection Program loans PPP loans

    The PPP loans SBA guaranteed to businesses operating in the state, by county, with how many carry a forgiveness amount and how many were charged off. Loans, not businesses: a business with two draws is two loans.

  • Population, age, income and origin Demographics

    The Census Bureau's population estimates year by year, with births, deaths and migration, and age, income, poverty, housing and origin from the American Community Survey, each with its margin of error.

  • Public schools Schools

    Pupils, schools and teachers, the largest districts, what districts spend per pupil and where the money comes from, and the colleges that take federal student aid.

  • Banks and credit unions Banks and credit unions

    The FDIC-insured banks headquartered in the state and their offices, and the credit unions based there and their sites, each per resident and against every other state.

  • Housing Housing

    The homes under HUD’s rental assistance programs in the state, by program and county, and its tax-credit housing, each per resident and against every other state.

  • Cost of living Cost of living

    BEA’s price level for the state against the nation, for goods, rents, utilities and other services, and its metro areas beside it.

  • College athletics Sports

    Every college in the state that reported to the Equity in Athletics survey, ranked by its athletics revenue, with its expenses, athletes and athletic aid.

  • Federal civilian workforce Federal salaries

    Federal civilian employees stationed in the state by agency and occupation, with the pay OPM publishes and the share it withholds.

  • The Vermont Factbook entry Across the Factbook

    Every measure the Factbook publishes for this state in one place, each with where it ranks among the others and the record it came from.

The immigration hub has no page for this state: EOIR runs no immigration court here, and CBP publishes by sector and field office, which are its own areas of responsibility rather than a geography. Immigration and the border.

More about Vermont →

Sources

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