Vermont · HMDA 2025
Mortgage lenders in Lamoille County, VT
121 lenders reported 1,088 home-loan applications in Lamoille County in 2025. 666 closed as loans ($248.4M), 150 were denied — a 17.9% denial rate on decided applications, close to the Vermont rate of 18.0%. The three most active lenders handled 32% of applications, led by EASTRISE FEDERAL CREDIT UNION. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,088
- Loans originated
- 666
- Purchase / refinance
- 306 / 186
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Lamoille County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | EASTRISE FEDERAL CREDIT UNION 73 out of 100, Strong | 154 | 14.2% | 6.3% |
| 2 | NORTH COUNTRY | 106 | 9.7% | — |
| 3 | Union Bank 45 out of 100, Below average | 84 | 7.7% | 5.0% |
| 4 | VERMONT FEDERAL CREDIT UNION 69 out of 100, Moderate | 42 | 3.9% | 12.8% |
| 5 | GUILD MORTGAGE COMPANY | 39 | 3.6% | — |
| 6 | Rocket Mortgage, LLC | 39 | 3.6% | — |
| 7 | Citizens Bank, National Association 54 out of 100, Below average | 36 | 3.3% | 32.5% |
| 8 | TD Bank, National Association 63 out of 100, Moderate | 36 | 3.3% | 35.3% |
| 9 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 28 | 2.6% | 32.9% |
| 10 | Community Bank, National Association 62 out of 100, Moderate | 24 | 2.2% | 18.9% |
| 11 | EMM LOANS LLC | 24 | 2.2% | — |
| 12 | Mascoma Bank | 23 | 2.1% | — |
| 13 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 22 | 2.0% | 14.1% |
| 14 | NEWREZ LLC | 21 | 1.9% | — |
| 15 | NORTHEAST HOME LOAN, LLC | 20 | 1.8% | — |
| 16 | Bank of America, National Association 59 out of 100, Moderate | 19 | 1.7% | 44.7% |
| 17 | Community National Bank | 19 | 1.7% | — |
| 18 | U.S. Bank National Association 55 out of 100, Moderate | 17 | 1.6% | 39.5% |
| 19 | CMG MORTGAGE, INC. | 16 | 1.5% | — |
| 20 | FREEDOM MORTGAGE CORPORATION | 15 | 1.4% | — |
| 21 | PENNYMAC LOAN SERVICES, LLC | 13 | 1.2% | — |
| 22 | BETTER MORTGAGE CORPORATION | 13 | 1.2% | — |
| 23 | Broker Solutions, Inc. | 12 | 1.1% | — |
| 24 | AmeriSave Mortgage Corporation | 12 | 1.1% | — |
| 25 | Northfield Savings Bank 68 out of 100, Moderate | 12 | 1.1% | 11.5% |
| 26 | UNITED SHORE FINANCIAL SERVICES, LLC | 11 | 1.0% | — |
| 27 | Peoples Trust Company of St. Albans 74 out of 100, Strong | 11 | 1.0% | 9.7% |
| 28 | Loandepot.Com, LLC | 10 | 0.9% | — |
| 29 | Mortgage Research Center, LLC | 9 | 0.8% | — |
| 30 | CROSSCOUNTRY MORTGAGE, INC. | 8 | 0.7% | — |
| 31 | MUTUAL OF OMAHA MORTGAGE, INC. | 8 | 0.7% | — |
| 32 | The Camden National Bank 69 out of 100, Moderate | 6 | 0.6% | 16.7% |
| 33 | Citibank, National Association 60 out of 100, Moderate | 6 | 0.6% | 24.0% |
| 34 | Morgan Stanley Private Bank, National Association 61 out of 100, Moderate | 6 | 0.6% | 4.9% |
| 35 | Fairway Independent Mortgage Corporation | 5 | 0.5% | — |
| 36 | GUARANTEED RATE, INC. | 5 | 0.5% | — |
| 37 | SPRING EQ, LLC | 5 | 0.5% | — |
| 38 | NATIONSTAR MORTGAGE LLC | 5 | 0.5% | — |
| 39 | LENDSURE MORTGAGE CORP. | 5 | 0.5% | — |
| 40 | USAA Federal Savings Bank 64 out of 100, Moderate | 5 | 0.5% | 37.2% |
Top 40 of 121 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
- Addison County 1,038 apps
- Caledonia County 1,007 apps
- Bennington County 946 apps
- Orange County 937 apps
- Grand Isle County 384 apps