Vermont · HMDA 2025
Mortgage lenders in Orleans County, VT
104 lenders reported 1,105 home-loan applications in Orleans County in 2025. 641 closed as loans ($125.6M), 173 were denied — a 20.9% denial rate on decided applications, above the Vermont rate of 18.0%. The three most active lenders handled 40% of applications, led by NORTH COUNTRY. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,105
- Loans originated
- 641
- Purchase / refinance
- 316 / 177
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Orleans County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | NORTH COUNTRY | 224 | 20.3% | — |
| 2 | Community National Bank | 132 | 11.9% | — |
| 3 | Union Bank 45 out of 100, Below average | 87 | 7.9% | 5.0% |
| 4 | EASTRISE FEDERAL CREDIT UNION 73 out of 100, Strong | 68 | 6.2% | 6.3% |
| 5 | Rocket Mortgage, LLC | 67 | 6.1% | — |
| 6 | U.S. Bank National Association 55 out of 100, Moderate | 38 | 3.4% | 39.5% |
| 7 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 32 | 2.9% | 32.9% |
| 8 | Mortgage Research Center, LLC | 28 | 2.5% | — |
| 9 | TD Bank, National Association 63 out of 100, Moderate | 22 | 2.0% | 35.3% |
| 10 | PENNYMAC LOAN SERVICES, LLC | 21 | 1.9% | — |
| 11 | Community Bank, National Association 62 out of 100, Moderate | 20 | 1.8% | 18.9% |
| 12 | BETTER MORTGAGE CORPORATION | 19 | 1.7% | — |
| 13 | NEWREZ LLC | 17 | 1.5% | — |
| 14 | NORTHEAST HOME LOAN, LLC | 15 | 1.4% | — |
| 15 | Citizens Bank, National Association 54 out of 100, Below average | 13 | 1.2% | 32.5% |
| 16 | AmeriSave Mortgage Corporation | 13 | 1.2% | — |
| 17 | EMM LOANS LLC | 13 | 1.2% | — |
| 18 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 12 | 1.1% | 14.1% |
| 19 | CMG MORTGAGE, INC. | 11 | 1.0% | — |
| 20 | VERMONT FEDERAL CREDIT UNION 69 out of 100, Moderate | 11 | 1.0% | 12.8% |
| 21 | Navy Federal Credit Union 66 out of 100, Moderate | 9 | 0.8% | 32.9% |
| 22 | Fairway Independent Mortgage Corporation | 9 | 0.8% | — |
| 23 | Loandepot.Com, LLC | 9 | 0.8% | — |
| 24 | Broker Solutions, Inc. | 9 | 0.8% | — |
| 25 | GUILD MORTGAGE COMPANY | 9 | 0.8% | — |
| 26 | Bank of America, National Association 59 out of 100, Moderate | 9 | 0.8% | 44.7% |
| 27 | FREEDOM MORTGAGE CORPORATION | 9 | 0.8% | — |
| 28 | Click n' Close, Inc. | 8 | 0.7% | — |
| 29 | USAA Federal Savings Bank 64 out of 100, Moderate | 8 | 0.7% | 37.2% |
| 30 | CROSSCOUNTRY MORTGAGE, INC. | 7 | 0.6% | — |
| 31 | FIGURE LENDING LLC | 7 | 0.6% | — |
| 32 | NATIONSTAR MORTGAGE LLC | 7 | 0.6% | — |
| 33 | Luminate Home Loans, Inc. | 7 | 0.6% | — |
| 34 | MUTUAL OF OMAHA MORTGAGE, INC. | 6 | 0.5% | — |
| 35 | UNITED SHORE FINANCIAL SERVICES, LLC | 5 | 0.5% | — |
| 36 | Discover Bank | 5 | 0.5% | — |
| 37 | SPRING EQ, LLC | 5 | 0.5% | — |
| 38 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | 0.5% | — |
| 39 | SOFI BANK, NATIONAL ASSOCIATION | 5 | 0.5% | — |
| 40 | AMERICAN FINANCING CORPORATION | 5 | 0.5% | — |
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
- Franklin County 2,141 apps
- Rutland County 1,845 apps
- Windham County 1,507 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