Vermont · HMDA 2025
Mortgage lenders in Rutland County, VT
154 lenders reported 1,845 home-loan applications in Rutland County in 2025. 983 closed as loans ($227.4M), 326 were denied — a 23.8% denial rate on decided applications, above the Vermont rate of 18.0%. The three most active lenders handled 26% of applications, led by EASTRISE FEDERAL CREDIT UNION. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,845
- Loans originated
- 983
- Purchase / refinance
- 508 / 273
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Rutland County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | EASTRISE FEDERAL CREDIT UNION 73 out of 100, Strong | 182 | 9.9% | 6.3% |
| 2 | Rocket Mortgage, LLC | 181 | 9.8% | — |
| 3 | Community Bank, National Association 62 out of 100, Moderate | 114 | 6.2% | 18.9% |
| 4 | Citizens Bank, National Association 54 out of 100, Below average | 111 | 6.0% | 32.5% |
| 5 | EMM LOANS LLC | 74 | 4.0% | — |
| 6 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 66 | 3.6% | 32.9% |
| 7 | U.S. Bank National Association 55 out of 100, Moderate | 63 | 3.4% | 39.5% |
| 8 | GUILD MORTGAGE COMPANY | 54 | 2.9% | — |
| 9 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 52 | 2.8% | — |
| 10 | TD Bank, National Association 63 out of 100, Moderate | 47 | 2.5% | 35.3% |
| 11 | Mascoma Bank | 47 | 2.5% | — |
| 12 | NEWREZ LLC | 45 | 2.4% | — |
| 13 | AmeriSave Mortgage Corporation | 45 | 2.4% | — |
| 14 | Mortgage Research Center, LLC | 39 | 2.1% | — |
| 15 | VERMONT FEDERAL CREDIT UNION 69 out of 100, Moderate | 38 | 2.1% | 12.8% |
| 16 | PENNYMAC LOAN SERVICES, LLC | 36 | 2.0% | — |
| 17 | 21st Mortgage Corporation | 34 | 1.8% | — |
| 18 | Bar Harbor Bank & Trust 73 out of 100, Strong | 29 | 1.6% | 25.5% |
| 19 | Broker Solutions, Inc. | 28 | 1.5% | — |
| 20 | FIGURE LENDING LLC | 28 | 1.5% | — |
| 21 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 24 | 1.3% | 14.1% |
| 22 | Bank of America, National Association 59 out of 100, Moderate | 23 | 1.2% | 44.7% |
| 23 | BETTER MORTGAGE CORPORATION | 20 | 1.1% | — |
| 24 | NORTHEAST HOME LOAN, LLC | 20 | 1.1% | — |
| 25 | CMG MORTGAGE, INC. | 19 | 1.0% | — |
| 26 | The National Bank of Middlebury 74 out of 100, Strong | 18 | 1.0% | 6.5% |
| 27 | FREEDOM MORTGAGE CORPORATION | 18 | 1.0% | — |
| 28 | Navy Federal Credit Union 66 out of 100, Moderate | 17 | 0.9% | 32.9% |
| 29 | NATIONSTAR MORTGAGE LLC | 15 | 0.8% | — |
| 30 | UNITED SHORE FINANCIAL SERVICES, LLC | 14 | 0.8% | — |
| 31 | SOFI BANK, NATIONAL ASSOCIATION | 12 | 0.7% | — |
| 32 | Discover Bank | 11 | 0.6% | — |
| 33 | GUARANTEED RATE, INC. | 9 | 0.5% | — |
| 34 | SPRING EQ, LLC | 9 | 0.5% | — |
| 35 | NBT Bank, National Association 64 out of 100, Moderate | 9 | 0.5% | 23.4% |
| 36 | LAKEVIEW LOAN SERVICING, LLC | 9 | 0.5% | — |
| 37 | Loandepot.Com, LLC | 8 | 0.4% | — |
| 38 | CROSSCOUNTRY MORTGAGE, INC. | 8 | 0.4% | — |
| 39 | AMERIHOME MORTGAGE COMPANY, LLC | 8 | 0.4% | — |
| 40 | Berkshire Bank | 8 | 0.4% | — |
Top 40 of 154 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
- 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