Vermont · HMDA 2025
Mortgage lenders in Caledonia County, VT
102 lenders reported 1,007 home-loan applications in Caledonia County in 2025. 594 closed as loans ($122.4M), 144 were denied — a 19.1% denial rate on decided applications, above the Vermont rate of 18.0%. The three most active lenders handled 34% of applications, led by NORTH COUNTRY. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,007
- Loans originated
- 594
- Purchase / refinance
- 281 / 171
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Caledonia County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | NORTH COUNTRY | 154 | 15.3% | — |
| 2 | EASTRISE FEDERAL CREDIT UNION 73 out of 100, Strong | 101 | 10.0% | 6.3% |
| 3 | Union Bank 45 out of 100, Below average | 85 | 8.4% | 5.0% |
| 4 | Community National Bank | 56 | 5.6% | — |
| 5 | Rocket Mortgage, LLC | 52 | 5.2% | — |
| 6 | Community Bank, National Association 62 out of 100, Moderate | 48 | 4.8% | 18.9% |
| 7 | U.S. Bank National Association 55 out of 100, Moderate | 33 | 3.3% | 39.5% |
| 8 | BETTER MORTGAGE CORPORATION | 27 | 2.7% | — |
| 9 | NORTHEAST HOME LOAN, LLC | 24 | 2.4% | — |
| 10 | Citizens Bank, National Association 54 out of 100, Below average | 22 | 2.2% | 32.5% |
| 11 | TD Bank, National Association 63 out of 100, Moderate | 21 | 2.1% | 35.3% |
| 12 | NEWREZ LLC | 19 | 1.9% | — |
| 13 | Mortgage Research Center, LLC | 19 | 1.9% | — |
| 14 | EMM LOANS LLC | 16 | 1.6% | — |
| 15 | Broker Solutions, Inc. | 14 | 1.4% | — |
| 16 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 13 | 1.3% | 14.1% |
| 17 | Loandepot.Com, LLC | 13 | 1.3% | — |
| 18 | Mascoma Bank | 13 | 1.3% | — |
| 19 | PENNYMAC LOAN SERVICES, LLC | 12 | 1.2% | — |
| 20 | GUILD MORTGAGE COMPANY | 12 | 1.2% | — |
| 21 | FIGURE LENDING LLC | 10 | 1.0% | — |
| 22 | Navy Federal Credit Union 66 out of 100, Moderate | 9 | 0.9% | 32.9% |
| 23 | AmeriSave Mortgage Corporation | 9 | 0.9% | — |
| 24 | VERMONT FEDERAL CREDIT UNION 69 out of 100, Moderate | 9 | 0.9% | 12.8% |
| 25 | Northfield Savings Bank 68 out of 100, Moderate | 9 | 0.9% | 11.5% |
| 26 | NATIONSTAR MORTGAGE LLC | 9 | 0.9% | — |
| 27 | MUTUAL OF OMAHA MORTGAGE, INC. | 9 | 0.9% | — |
| 28 | USAA Federal Savings Bank 64 out of 100, Moderate | 9 | 0.9% | 37.2% |
| 29 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 9 | 0.9% | 32.9% |
| 30 | CMG MORTGAGE, INC. | 8 | 0.8% | — |
| 31 | Fairway Independent Mortgage Corporation | 7 | 0.7% | — |
| 32 | Bank of America, National Association 59 out of 100, Moderate | 7 | 0.7% | 44.7% |
| 33 | The Camden National Bank 69 out of 100, Moderate | 7 | 0.7% | 16.7% |
| 34 | FREEDOM MORTGAGE CORPORATION | 6 | 0.6% | — |
| 35 | GUARANTEED RATE, INC. | 5 | 0.5% | — |
| 36 | SPRING EQ, LLC | 5 | 0.5% | — |
| 37 | Bar Harbor Bank & Trust 73 out of 100, Strong | 5 | 0.5% | 25.5% |
| 38 | Luminate Home Loans, Inc. | 5 | 0.5% | — |
| 39 | 21st Mortgage Corporation | 4 | 0.4% | — |
| 40 | UNITED SHORE FINANCIAL SERVICES, LLC | 4 | 0.4% | — |
Top 40 of 102 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
- Addison County 1,038 apps
- Bennington County 946 apps
- Orange County 937 apps
- Grand Isle County 384 apps