Vermont · HMDA 2025
Mortgage lenders in Orange County, VT
91 lenders reported 937 home-loan applications in Orange County in 2025. 522 closed as loans ($113.0M), 173 were denied — a 24.2% denial rate on decided applications, above the Vermont rate of 18.0%. The three most active lenders handled 26% of applications, led by Mascoma Bank. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 937
- Loans originated
- 522
- Purchase / refinance
- 236 / 147
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Orange County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Mascoma Bank | 98 | 10.5% | — |
| 2 | EASTRISE FEDERAL CREDIT UNION 73 out of 100, Strong | 85 | 9.1% | 6.3% |
| 3 | Rocket Mortgage, LLC | 61 | 6.5% | — |
| 4 | NORTH COUNTRY | 53 | 5.7% | — |
| 5 | EMM LOANS LLC | 46 | 4.9% | — |
| 6 | Northfield Savings Bank 68 out of 100, Moderate | 44 | 4.7% | 11.5% |
| 7 | Bar Harbor Bank & Trust 73 out of 100, Strong | 40 | 4.3% | 25.5% |
| 8 | Citizens Bank, National Association 54 out of 100, Below average | 33 | 3.5% | 32.5% |
| 9 | Mortgage Research Center, LLC | 26 | 2.8% | — |
| 10 | Community Bank, National Association 62 out of 100, Moderate | 26 | 2.8% | 18.9% |
| 11 | 802 CREDIT UNION INC. 67 out of 100, Moderate | 19 | 2.0% | 3.6% |
| 12 | NEWREZ LLC | 18 | 1.9% | — |
| 13 | PENNYMAC LOAN SERVICES, LLC | 18 | 1.9% | — |
| 14 | Union Bank 45 out of 100, Below average | 18 | 1.9% | 5.0% |
| 15 | Broker Solutions, Inc. | 16 | 1.7% | — |
| 16 | AmeriSave Mortgage Corporation | 16 | 1.7% | — |
| 17 | VERMONT FEDERAL CREDIT UNION 69 out of 100, Moderate | 15 | 1.6% | 12.8% |
| 18 | ONE Credit Union 45 out of 100, Below average | 15 | 1.6% | 14.1% |
| 19 | Service Federal Credit Union 52 out of 100, Below average | 14 | 1.5% | 30.5% |
| 20 | Community National Bank | 14 | 1.5% | — |
| 21 | U.S. Bank National Association 55 out of 100, Moderate | 13 | 1.4% | 39.5% |
| 22 | FIGURE LENDING LLC | 13 | 1.4% | — |
| 23 | UNITED SHORE FINANCIAL SERVICES, LLC | 12 | 1.3% | — |
| 24 | NATIONSTAR MORTGAGE LLC | 12 | 1.3% | — |
| 25 | CMG MORTGAGE, INC. | 11 | 1.2% | — |
| 26 | MUTUAL OF OMAHA MORTGAGE, INC. | 9 | 1.0% | — |
| 27 | Loandepot.Com, LLC | 8 | 0.9% | — |
| 28 | BETTER MORTGAGE CORPORATION | 8 | 0.9% | — |
| 29 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 8 | 0.9% | 32.9% |
| 30 | NORTHEAST HOME LOAN, LLC | 8 | 0.9% | — |
| 31 | Navy Federal Credit Union 66 out of 100, Moderate | 7 | 0.7% | 32.9% |
| 32 | 21st Mortgage Corporation | 7 | 0.7% | — |
| 33 | Discover Bank | 7 | 0.7% | — |
| 34 | CROSSCOUNTRY MORTGAGE, INC. | 7 | 0.7% | — |
| 35 | Bank of America, National Association 59 out of 100, Moderate | 7 | 0.7% | 44.7% |
| 36 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 6 | 0.6% | 14.1% |
| 37 | FREEDOM MORTGAGE CORPORATION | 6 | 0.6% | — |
| 38 | CARRINGTON MORTGAGE SERVICES, LLC | 6 | 0.6% | — |
| 39 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 5 | 0.5% | 22.2% |
| 40 | SPRING EQ, LLC | 5 | 0.5% | — |
Top 40 of 91 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
- Grand Isle County 384 apps