Vermont · HMDA 2025
Mortgage lenders in Addison County, VT
95 lenders reported 1,038 home-loan applications in Addison County in 2025. 640 closed as loans ($159.6M), 162 were denied — a 19.7% denial rate on decided applications, above the Vermont rate of 18.0%. The three most active lenders handled 43% of applications, led by EASTRISE FEDERAL CREDIT UNION. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,038
- Loans originated
- 640
- Purchase / refinance
- 269 / 190
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Addison County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | EASTRISE FEDERAL CREDIT UNION 73 out of 100, Strong | 170 | 16.4% | 6.3% |
| 2 | VERMONT FEDERAL CREDIT UNION 69 out of 100, Moderate | 168 | 16.2% | 12.8% |
| 3 | The National Bank of Middlebury 74 out of 100, Strong | 112 | 10.8% | 6.5% |
| 4 | Community Bank, National Association 62 out of 100, Moderate | 45 | 4.3% | 18.9% |
| 5 | Rocket Mortgage, LLC | 43 | 4.1% | — |
| 6 | Citizens Bank, National Association 54 out of 100, Below average | 36 | 3.5% | 32.5% |
| 7 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 28 | 2.7% | 32.9% |
| 8 | NORTHEAST HOME LOAN, LLC | 27 | 2.6% | — |
| 9 | CMG MORTGAGE, INC. | 25 | 2.4% | — |
| 10 | EMM LOANS LLC | 22 | 2.1% | — |
| 11 | NORTH COUNTRY | 21 | 2.0% | — |
| 12 | Union Bank 45 out of 100, Below average | 20 | 1.9% | 5.0% |
| 13 | U.S. Bank National Association 55 out of 100, Moderate | 19 | 1.8% | 39.5% |
| 14 | NEWREZ LLC | 17 | 1.6% | — |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 14 | 1.3% | 14.1% |
| 16 | Broker Solutions, Inc. | 14 | 1.3% | — |
| 17 | AmeriSave Mortgage Corporation | 14 | 1.3% | — |
| 18 | Northfield Savings Bank 68 out of 100, Moderate | 13 | 1.3% | 11.5% |
| 19 | FREEDOM MORTGAGE CORPORATION | 13 | 1.3% | — |
| 20 | 21st Mortgage Corporation | 12 | 1.2% | — |
| 21 | ONE Credit Union 45 out of 100, Below average | 12 | 1.2% | 14.1% |
| 22 | PENNYMAC LOAN SERVICES, LLC | 11 | 1.1% | — |
| 23 | Mortgage Research Center, LLC | 10 | 1.0% | — |
| 24 | Mascoma Bank | 9 | 0.9% | — |
| 25 | BETTER MORTGAGE CORPORATION | 9 | 0.9% | — |
| 26 | KeyBank National Association 63 out of 100, Moderate | 9 | 0.9% | 32.8% |
| 27 | NATIONSTAR MORTGAGE LLC | 6 | 0.6% | — |
| 28 | Opportunities Credit Union | 6 | 0.6% | — |
| 29 | Navy Federal Credit Union 66 out of 100, Moderate | 5 | 0.5% | 32.9% |
| 30 | Bank of America, National Association 59 out of 100, Moderate | 5 | 0.5% | 44.7% |
| 31 | SPRING EQ, LLC | 5 | 0.5% | — |
| 32 | Fairway Independent Mortgage Corporation | 4 | 0.4% | — |
| 33 | MOVEMENT MORTGAGE, LLC | 4 | 0.4% | — |
| 34 | TD Bank, National Association 63 out of 100, Moderate | 4 | 0.4% | 35.3% |
| 35 | NBT Bank, National Association 64 out of 100, Moderate | 4 | 0.4% | 23.4% |
| 36 | Farm Credit East, ACA | 4 | 0.4% | — |
| 37 | LAKEVIEW LOAN SERVICING, LLC | 4 | 0.4% | — |
| 38 | Loandepot.Com, LLC | 3 | 0.3% | — |
| 39 | Discover Bank | 3 | 0.3% | — |
| 40 | GUILD MORTGAGE COMPANY | 3 | 0.3% | — |
Top 40 of 95 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Vermont
- Chittenden County 5,286 apps
- Windsor County 2,323 apps
- Washington County 2,228 apps
- Franklin County 2,141 apps
- Rutland County 1,845 apps
- Windham County 1,507 apps
- Orleans County 1,105 apps
- Lamoille County 1,088 apps
- Caledonia County 1,007 apps
- Bennington County 946 apps
- Orange County 937 apps
- Grand Isle County 384 apps