Vermont · HMDA 2025
Mortgage lenders in Windsor County, VT
171 lenders reported 2,323 home-loan applications in Windsor County in 2025. 1,324 closed as loans ($387.6M), 401 were denied — a 22.4% denial rate on decided applications, above the Vermont rate of 18.0%. The three most active lenders handled 30% of applications, led by Mascoma Bank. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,323
- Loans originated
- 1,324
- Purchase / refinance
- 647 / 331
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Windsor County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Mascoma Bank | 387 | 16.7% | — |
| 2 | EMM LOANS LLC | 163 | 7.0% | — |
| 3 | Rocket Mortgage, LLC | 145 | 6.2% | — |
| 4 | Citizens Bank, National Association 54 out of 100, Below average | 122 | 5.3% | 32.5% |
| 5 | EASTRISE FEDERAL CREDIT UNION 73 out of 100, Strong | 78 | 3.4% | 6.3% |
| 6 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 74 | 3.2% | 32.9% |
| 7 | 802 CREDIT UNION INC. 67 out of 100, Moderate | 72 | 3.1% | 3.6% |
| 8 | Mortgage Research Center, LLC | 53 | 2.3% | — |
| 9 | PENNYMAC LOAN SERVICES, LLC | 49 | 2.1% | — |
| 10 | Bank of America, National Association 59 out of 100, Moderate | 47 | 2.0% | 44.7% |
| 11 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 43 | 1.9% | 14.1% |
| 12 | CMG MORTGAGE, INC. | 39 | 1.7% | — |
| 13 | Bar Harbor Bank & Trust 73 out of 100, Strong | 36 | 1.5% | 25.5% |
| 14 | UNITED SHORE FINANCIAL SERVICES, LLC | 35 | 1.5% | — |
| 15 | ONE Credit Union 45 out of 100, Below average | 34 | 1.5% | 14.1% |
| 16 | U.S. Bank National Association 55 out of 100, Moderate | 32 | 1.4% | 39.5% |
| 17 | Service Federal Credit Union 52 out of 100, Below average | 32 | 1.4% | 30.5% |
| 18 | Community Bank, National Association 62 out of 100, Moderate | 32 | 1.4% | 18.9% |
| 19 | NEWREZ LLC | 29 | 1.2% | — |
| 20 | TD Bank, National Association 63 out of 100, Moderate | 29 | 1.2% | 35.3% |
| 21 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 28 | 1.2% | — |
| 22 | Broker Solutions, Inc. | 27 | 1.2% | — |
| 23 | GUARANTEED RATE, INC. | 27 | 1.2% | — |
| 24 | FIGURE LENDING LLC | 27 | 1.2% | — |
| 25 | FREEDOM MORTGAGE CORPORATION | 27 | 1.2% | — |
| 26 | Fairway Independent Mortgage Corporation | 26 | 1.1% | — |
| 27 | Navy Federal Credit Union 66 out of 100, Moderate | 25 | 1.1% | 32.9% |
| 28 | AmeriSave Mortgage Corporation | 23 | 1.0% | — |
| 29 | CROSSCOUNTRY MORTGAGE, INC. | 23 | 1.0% | — |
| 30 | NORTHEAST HOME LOAN, LLC | 21 | 0.9% | — |
| 31 | BETTER MORTGAGE CORPORATION | 20 | 0.9% | — |
| 32 | SOFI BANK, NATIONAL ASSOCIATION | 17 | 0.7% | — |
| 33 | LIGHTHOUSE FEDERAL CREDIT UNION 65 out of 100, Moderate | 17 | 0.7% | 36.3% |
| 34 | 21st Mortgage Corporation | 16 | 0.7% | — |
| 35 | VERMONT FEDERAL CREDIT UNION 69 out of 100, Moderate | 16 | 0.7% | 12.8% |
| 36 | Discover Bank | 14 | 0.6% | — |
| 37 | Northfield Savings Bank 68 out of 100, Moderate | 14 | 0.6% | 11.5% |
| 38 | NORTH COUNTRY | 14 | 0.6% | — |
| 39 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 13 | 0.6% | 22.2% |
| 40 | Loandepot.Com, LLC | 12 | 0.5% | — |
Top 40 of 171 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
- 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
- Orange County 937 apps
- Grand Isle County 384 apps