Vermont · HMDA 2025
Mortgage lenders in Franklin County, VT
104 lenders reported 2,141 home-loan applications in Franklin County in 2025. 1,333 closed as loans ($314.3M), 260 were denied — a 15.7% denial rate on decided applications, below the Vermont rate of 18.0%. The three most active lenders handled 38% of applications, led by EASTRISE FEDERAL CREDIT UNION. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,141
- Loans originated
- 1,333
- Purchase / refinance
- 628 / 383
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Franklin County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | EASTRISE FEDERAL CREDIT UNION 73 out of 100, Strong | 426 | 19.9% | 6.3% |
| 2 | VERMONT FEDERAL CREDIT UNION 69 out of 100, Moderate | 225 | 10.5% | 12.8% |
| 3 | Peoples Trust Company of St. Albans 74 out of 100, Strong | 169 | 7.9% | 9.7% |
| 4 | Rocket Mortgage, LLC | 107 | 5.0% | — |
| 5 | Union Bank 45 out of 100, Below average | 78 | 3.6% | 5.0% |
| 6 | NORTH COUNTRY | 72 | 3.4% | — |
| 7 | U.S. Bank National Association 55 out of 100, Moderate | 69 | 3.2% | 39.5% |
| 8 | CMG MORTGAGE, INC. | 61 | 2.8% | — |
| 9 | Citizens Bank, National Association 54 out of 100, Below average | 60 | 2.8% | 32.5% |
| 10 | PENNYMAC LOAN SERVICES, LLC | 57 | 2.7% | — |
| 11 | Mortgage Research Center, LLC | 53 | 2.5% | — |
| 12 | NEWREZ LLC | 49 | 2.3% | — |
| 13 | EMM LOANS LLC | 49 | 2.3% | — |
| 14 | FREEDOM MORTGAGE CORPORATION | 45 | 2.1% | — |
| 15 | Community Bank, National Association 62 out of 100, Moderate | 40 | 1.9% | 18.9% |
| 16 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 34 | 1.6% | 32.9% |
| 17 | NORTHEAST HOME LOAN, LLC | 32 | 1.5% | — |
| 18 | Broker Solutions, Inc. | 30 | 1.4% | — |
| 19 | MOVEMENT MORTGAGE, LLC | 29 | 1.4% | — |
| 20 | AmeriSave Mortgage Corporation | 26 | 1.2% | — |
| 21 | TD Bank, National Association 63 out of 100, Moderate | 25 | 1.2% | 35.3% |
| 22 | BETTER MORTGAGE CORPORATION | 25 | 1.2% | — |
| 23 | UNITED SHORE FINANCIAL SERVICES, LLC | 22 | 1.0% | — |
| 24 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 20 | 0.9% | 14.1% |
| 25 | GUILD MORTGAGE COMPANY | 19 | 0.9% | — |
| 26 | Navy Federal Credit Union 66 out of 100, Moderate | 18 | 0.8% | 32.9% |
| 27 | FIGURE LENDING LLC | 18 | 0.8% | — |
| 28 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 17 | 0.8% | — |
| 29 | Fairway Independent Mortgage Corporation | 16 | 0.7% | — |
| 30 | NATIONSTAR MORTGAGE LLC | 14 | 0.7% | — |
| 31 | KeyBank National Association 63 out of 100, Moderate | 12 | 0.6% | 32.8% |
| 32 | Loandepot.Com, LLC | 11 | 0.5% | — |
| 33 | LAKEVIEW LOAN SERVICING, LLC | 11 | 0.5% | — |
| 34 | MUTUAL OF OMAHA MORTGAGE, INC. | 10 | 0.5% | — |
| 35 | Northfield Savings Bank 68 out of 100, Moderate | 9 | 0.4% | 11.5% |
| 36 | Community National Bank | 9 | 0.4% | — |
| 37 | CARRINGTON MORTGAGE SERVICES, LLC | 8 | 0.4% | — |
| 38 | 21st Mortgage Corporation | 7 | 0.3% | — |
| 39 | AMERIHOME MORTGAGE COMPANY, LLC | 7 | 0.3% | — |
| 40 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 7 | 0.3% | — |
Top 40 of 104 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
- 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