Vermont · HMDA 2025
Mortgage lenders in Essex County, VT
67 lenders reported 255 home-loan applications in Essex County in 2025. 139 closed as loans ($26.8M), 43 were denied — a 23.4% denial rate on decided applications, above the Vermont rate of 18.0%. The three most active lenders handled 25% of applications, led by NORTH COUNTRY. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 255
- Loans originated
- 139
- Purchase / refinance
- 62 / 46
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Essex County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | NORTH COUNTRY | 26 | 10.2% | — |
| 2 | Rocket Mortgage, LLC | 21 | 8.2% | — |
| 3 | EASTRISE FEDERAL CREDIT UNION 73 out of 100, Strong | 16 | 6.3% | 6.3% |
| 4 | Union Bank 45 out of 100, Below average | 15 | 5.9% | 5.0% |
| 5 | Citizens Bank, National Association 54 out of 100, Below average | 14 | 5.5% | 32.5% |
| 6 | Mascoma Bank | 14 | 5.5% | — |
| 7 | Community National Bank | 14 | 5.5% | — |
| 8 | Mortgage Research Center, LLC | 9 | 3.5% | — |
| 9 | Navy Federal Credit Union 66 out of 100, Moderate | 6 | 2.4% | 32.9% |
| 10 | AmeriSave Mortgage Corporation | 6 | 2.4% | — |
| 11 | U.S. Bank National Association 55 out of 100, Moderate | 6 | 2.4% | 39.5% |
| 12 | NEWREZ LLC | 4 | 1.6% | — |
| 13 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 4 | 1.6% | 14.1% |
| 14 | Broker Solutions, Inc. | 4 | 1.6% | — |
| 15 | Community Bank, National Association 62 out of 100, Moderate | 4 | 1.6% | 18.9% |
| 16 | FREEDOM MORTGAGE CORPORATION | 4 | 1.6% | — |
| 17 | Bangor Savings Bank 55 out of 100, Moderate | 4 | 1.6% | 19.7% |
| 18 | The Camden National Bank 69 out of 100, Moderate | 4 | 1.6% | 16.7% |
| 19 | NORTHEAST HOME LOAN, LLC | 4 | 1.6% | — |
| 20 | CMG MORTGAGE, INC. | 3 | 1.2% | — |
| 21 | Fairway Independent Mortgage Corporation | 3 | 1.2% | — |
| 22 | Discover Bank | 3 | 1.2% | — |
| 23 | TD Bank, National Association 63 out of 100, Moderate | 3 | 1.2% | 35.3% |
| 24 | SPRING EQ, LLC | 3 | 1.2% | — |
| 25 | AMERIHOME MORTGAGE COMPANY, LLC | 3 | 1.2% | — |
| 26 | EMM LOANS LLC | 3 | 1.2% | — |
| 27 | PENNYMAC LOAN SERVICES, LLC | 2 | 0.8% | — |
| 28 | GUILD MORTGAGE COMPANY | 2 | 0.8% | — |
| 29 | CROSSCOUNTRY MORTGAGE, INC. | 2 | 0.8% | — |
| 30 | Connexus Credit Union 37 out of 100, Low | 2 | 0.8% | 60.0% |
| 31 | Service Federal Credit Union 52 out of 100, Below average | 2 | 0.8% | 30.5% |
| 32 | FIGURE LENDING LLC | 2 | 0.8% | — |
| 33 | The Federal Savings Bank 51 out of 100, Below average | 2 | 0.8% | 19.1% |
| 34 | Hanscom Federal Credit Union 64 out of 100, Moderate | 2 | 0.8% | 19.3% |
| 35 | SOFI BANK, NATIONAL ASSOCIATION | 2 | 0.8% | — |
| 36 | Prosperity Home Mortgage, LLC | 2 | 0.8% | — |
| 37 | LIGHTHOUSE FEDERAL CREDIT UNION 65 out of 100, Moderate | 2 | 0.8% | 36.3% |
| 38 | DIGITAL | 2 | 0.8% | — |
| 39 | MUTUAL OF OMAHA MORTGAGE, INC. | 2 | 0.8% | — |
| 40 | VILLAGE CAPITAL & INVESTMENT LLC | 2 | 0.8% | — |
Top 40 of 67 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
- Caledonia County 1,007 apps
- Bennington County 946 apps
- Orange County 937 apps