HMDA 2025
Mortgage lenders in Vermont
Lenders reported 22,090 home-loan applications for properties in Vermont in 2025; 13,421 became loans and the denial rate on decided applications was 18.0%. The busiest county was Chittenden County with 5,286 applications.
Most active lenders across Vermont's counties
- EASTRISE FEDERAL CREDIT UNION 3,529 applications
- Rocket Mortgage, LLC 1,191 applications
- NORTH COUNTRY 1,126 applications
- VERMONT FEDERAL CREDIT UNION 1,003 applications
- Citizens Bank, National Association 837 applications
- EMM LOANS LLC 761 applications
- Mascoma Bank 710 applications
- Union Bank 622 applications
- Manufacturers and Traders Trust Company 616 applications
- Community Bank, National Association 607 applications
- NORTHEAST HOME LOAN, LLC 519 applications
- U.S. Bank National Association 503 applications
- CMG MORTGAGE, INC. 458 applications
- PENNYMAC LOAN SERVICES, LLC 414 applications
- TD Bank, National Association 405 applications
Counties
| County | Applications | Lenders | Denial rate | Purchase / refi loans |
|---|---|---|---|---|
| Addison County | 1,038 | 95 | 19.7% | 269 / 190 |
| Bennington County | 946 | 126 | 23.9% | 241 / 144 |
| Caledonia County | 1,007 | 102 | 19.1% | 281 / 171 |
| Chittenden County | 5,286 | 158 | 12.5% | 1,777 / 901 |
| Essex County | 255 | 67 | 23.4% | 62 / 46 |
| Franklin County | 2,141 | 104 | 15.7% | 628 / 383 |
| Grand Isle County | 384 | 74 | 15.0% | 106 / 66 |
| Lamoille County | 1,088 | 121 | 17.9% | 306 / 186 |
| Orange County | 937 | 91 | 24.2% | 236 / 147 |
| Orleans County | 1,105 | 104 | 20.9% | 316 / 177 |
| Rutland County | 1,845 | 154 | 23.8% | 508 / 273 |
| Washington County | 2,228 | 130 | 14.9% | 655 / 388 |
| Windham County | 1,507 | 158 | 21.1% | 418 / 234 |
| Windsor County | 2,323 | 171 | 22.4% | 647 / 331 |