Vermont · HMDA 2025
Mortgage lenders in Washington County, VT
130 lenders reported 2,228 home-loan applications in Washington County in 2025. 1,383 closed as loans ($355.8M), 249 were denied — a 14.9% denial rate on decided applications, below the Vermont rate of 18.0%. The three most active lenders handled 37% of applications, led by EASTRISE FEDERAL CREDIT UNION. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,228
- Loans originated
- 1,383
- Purchase / refinance
- 655 / 388
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Washington County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | EASTRISE FEDERAL CREDIT UNION 73 out of 100, Strong | 470 | 21.1% | 6.3% |
| 2 | NORTH COUNTRY | 213 | 9.6% | — |
| 3 | Northfield Savings Bank 68 out of 100, Moderate | 144 | 6.5% | 11.5% |
| 4 | Rocket Mortgage, LLC | 123 | 5.5% | — |
| 5 | NORTHEAST HOME LOAN, LLC | 75 | 3.4% | — |
| 6 | Union Bank 45 out of 100, Below average | 71 | 3.2% | 5.0% |
| 7 | EMM LOANS LLC | 67 | 3.0% | — |
| 8 | U.S. Bank National Association 55 out of 100, Moderate | 62 | 2.8% | 39.5% |
| 9 | Citizens Bank, National Association 54 out of 100, Below average | 57 | 2.6% | 32.5% |
| 10 | Community Bank, National Association 62 out of 100, Moderate | 54 | 2.4% | 18.9% |
| 11 | VERMONT FEDERAL CREDIT UNION 69 out of 100, Moderate | 51 | 2.3% | 12.8% |
| 12 | NEWREZ LLC | 46 | 2.1% | — |
| 13 | PENNYMAC LOAN SERVICES, LLC | 44 | 2.0% | — |
| 14 | CMG MORTGAGE, INC. | 42 | 1.9% | — |
| 15 | Community National Bank | 38 | 1.7% | — |
| 16 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 37 | 1.7% | 32.9% |
| 17 | Mortgage Research Center, LLC | 36 | 1.6% | — |
| 18 | MSA MORTGAGE, LLC | 34 | 1.5% | — |
| 19 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 31 | 1.4% | 14.1% |
| 20 | TD Bank, National Association 63 out of 100, Moderate | 30 | 1.3% | 35.3% |
| 21 | FREEDOM MORTGAGE CORPORATION | 24 | 1.1% | — |
| 22 | Mascoma Bank | 22 | 1.0% | — |
| 23 | Navy Federal Credit Union 66 out of 100, Moderate | 20 | 0.9% | 32.9% |
| 24 | NATIONSTAR MORTGAGE LLC | 20 | 0.9% | — |
| 25 | GUILD MORTGAGE COMPANY | 17 | 0.8% | — |
| 26 | Bank of America, National Association 59 out of 100, Moderate | 16 | 0.7% | 44.7% |
| 27 | Fairway Independent Mortgage Corporation | 15 | 0.7% | — |
| 28 | MUTUAL OF OMAHA MORTGAGE, INC. | 15 | 0.7% | — |
| 29 | BETTER MORTGAGE CORPORATION | 15 | 0.7% | — |
| 30 | 802 CREDIT UNION INC. 67 out of 100, Moderate | 14 | 0.6% | 3.6% |
| 31 | UNITED SHORE FINANCIAL SERVICES, LLC | 13 | 0.6% | — |
| 32 | AmeriSave Mortgage Corporation | 13 | 0.6% | — |
| 33 | USAA Federal Savings Bank 64 out of 100, Moderate | 13 | 0.6% | 37.2% |
| 34 | LAKEVIEW LOAN SERVICING, LLC | 12 | 0.5% | — |
| 35 | Broker Solutions, Inc. | 11 | 0.5% | — |
| 36 | FIGURE LENDING LLC | 11 | 0.5% | — |
| 37 | The National Bank of Middlebury 74 out of 100, Strong | 11 | 0.5% | 6.5% |
| 38 | ONE Credit Union 45 out of 100, Below average | 11 | 0.5% | 14.1% |
| 39 | CARRINGTON MORTGAGE SERVICES, LLC | 11 | 0.5% | — |
| 40 | Opportunities Credit Union | 10 | 0.4% | — |
Top 40 of 130 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
- 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
- Orange County 937 apps
- Grand Isle County 384 apps