Vermont · HMDA 2025
Mortgage lenders in Chittenden County, VT
158 lenders reported 5,286 home-loan applications in Chittenden County in 2025. 3,578 closed as loans ($1.2B), 526 were denied — a 12.5% denial rate on decided applications, below the Vermont rate of 18.0%. The three most active lenders handled 41% of applications, led by EASTRISE FEDERAL CREDIT UNION. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 5,286
- Loans originated
- 3,578
- Purchase / refinance
- 1,777 / 901
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Chittenden County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | EASTRISE FEDERAL CREDIT UNION 73 out of 100, Strong | 1,553 | 29.4% | 6.3% |
| 2 | VERMONT FEDERAL CREDIT UNION 69 out of 100, Moderate | 389 | 7.4% | 12.8% |
| 3 | NORTHEAST HOME LOAN, LLC | 250 | 4.7% | — |
| 4 | Citizens Bank, National Association 54 out of 100, Below average | 210 | 4.0% | 32.5% |
| 5 | NORTH COUNTRY | 204 | 3.9% | — |
| 6 | EMM LOANS LLC | 200 | 3.8% | — |
| 7 | Rocket Mortgage, LLC | 167 | 3.2% | — |
| 8 | CMG MORTGAGE, INC. | 165 | 3.1% | — |
| 9 | Union Bank 45 out of 100, Below average | 152 | 2.9% | 5.0% |
| 10 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 151 | 2.9% | 32.9% |
| 11 | Community Bank, National Association 62 out of 100, Moderate | 128 | 2.4% | 18.9% |
| 12 | TD Bank, National Association 63 out of 100, Moderate | 108 | 2.0% | 35.3% |
| 13 | U.S. Bank National Association 55 out of 100, Moderate | 90 | 1.7% | 39.5% |
| 14 | NEWREZ LLC | 77 | 1.5% | — |
| 15 | UNITED SHORE FINANCIAL SERVICES, LLC | 75 | 1.4% | — |
| 16 | Northfield Savings Bank 68 out of 100, Moderate | 75 | 1.4% | 11.5% |
| 17 | PENNYMAC LOAN SERVICES, LLC | 71 | 1.3% | — |
| 18 | Mascoma Bank | 68 | 1.3% | — |
| 19 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 60 | 1.1% | 14.1% |
| 20 | NBT Bank, National Association 64 out of 100, Moderate | 55 | 1.0% | 23.4% |
| 21 | BETTER MORTGAGE CORPORATION | 44 | 0.8% | — |
| 22 | KeyBank National Association 63 out of 100, Moderate | 42 | 0.8% | 32.8% |
| 23 | FREEDOM MORTGAGE CORPORATION | 40 | 0.8% | — |
| 24 | SPRING EQ, LLC | 39 | 0.7% | — |
| 25 | Fairway Independent Mortgage Corporation | 34 | 0.6% | — |
| 26 | Mortgage Research Center, LLC | 33 | 0.6% | — |
| 27 | Bank of America, National Association 59 out of 100, Moderate | 32 | 0.6% | 44.7% |
| 28 | FIGURE LENDING LLC | 32 | 0.6% | — |
| 29 | AmeriSave Mortgage Corporation | 31 | 0.6% | — |
| 30 | Navy Federal Credit Union 66 out of 100, Moderate | 29 | 0.5% | 32.9% |
| 31 | MOVEMENT MORTGAGE, LLC | 29 | 0.5% | — |
| 32 | NATIONSTAR MORTGAGE LLC | 29 | 0.5% | — |
| 33 | Opportunities Credit Union | 26 | 0.5% | — |
| 34 | Discover Bank | 22 | 0.4% | — |
| 35 | SOFI BANK, NATIONAL ASSOCIATION | 22 | 0.4% | — |
| 36 | 21st Mortgage Corporation | 21 | 0.4% | — |
| 37 | Broker Solutions, Inc. | 19 | 0.4% | — |
| 38 | AMERIHOME MORTGAGE COMPANY, LLC | 19 | 0.4% | — |
| 39 | 802 CREDIT UNION INC. 67 out of 100, Moderate | 19 | 0.4% | 3.6% |
| 40 | LENDINGONE, LLC | 18 | 0.3% | — |
Top 40 of 158 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Vermont
- 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
- Caledonia County 1,007 apps
- Bennington County 946 apps
- Orange County 937 apps
- Grand Isle County 384 apps