MortRadarTERMINAL
← National benchmarks

MARKET BENCHMARKS · HMDA PUBLIC DATA

Vermont mortgage market benchmarks

Vermont origination trends 2018–2025 from HMDA public data: volume, denial rates, and purchase vs refinance mix. Free and open — no account required.

Originations 2025

13,418

+14.2% vs 2024

2024: 11,750

Volume 2025

$3.72B

originated $
2024: $3.25B

Denial rate 2025

14.8%

denied / actioned
2024: 16.1% denied / actioned

Reporting lenders 2025

329

HMDA reporters
2024: 301 reporters

Origination volume by year

Dollar volume of originated loans

$ VOLUME · HOVER FOR UNITS
$0$2.5B$5B$7.5B$10B20182019202020212022202320242025$3.72B

Loan purpose mix

Share of 2025 originations

Denial rate by year

Denials / actioned applications (CFPB convention)

0.0%10.3%20.5%2018201920202021202220232024202514.8%

Vermont market by year

YEARLENDERSAPPLICATIONSORIGINATIONSVOLUMEDENIALPURCHASEREFI
202532920,85713,418$3.72B2025 origination volume13,418 loans originated14.8%2025 denial rate20,857 applications actioned48.0%38.0%
202430118,48011,750$3.25B2024 origination volume11,750 loans originated16.1%2024 denial rate18,480 applications actioned49.9%32.1%
202330117,70010,971$2.64B2023 origination volume10,971 loans originated16.6%2023 denial rate17,700 applications actioned49.8%29.7%
202233825,23216,539$4.26B2022 origination volume16,539 loans originated14.4%2022 denial rate25,232 applications actioned44.0%49.8%
202134837,95425,820$6.28B2021 origination volume25,820 loans originated11.2%2021 denial rate37,954 applications actioned35.4%73.7%
202034237,17625,087$5.89B2020 origination volume25,087 loans originated11.1%2020 denial rate37,176 applications actioned34.8%74.0%
201932224,23815,944$3.24B2019 origination volume15,944 loans originated14.7%2019 denial rate24,238 applications actioned47.9%52.3%
201832321,76813,889$2.58B2018 origination volume13,889 loans originated17.9%2018 denial rate21,768 applications actioned51.9%48.2%

Attribution & methodology. Benchmarks are computed by MortRadar from Home Mortgage Disclosure Act (HMDA) public data files published by the Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC), covering activity years 2018–2025. Originations = loans originated (action taken 1); denial rate = denials / actioned applications (CFPB Data Browser convention); loan amounts are the public files' midpoint-rounded values. MortRadar's aggregations are derived works and are not published, reviewed, or endorsed by the CFPB, FFIEC, or any government agency. See data attribution and the disclaimer.

Looking for a specific company? Search lender profiles →