STATE MARKET PROFILE · HMDA PUBLIC DATA

Vermont mortgage market

Name: Vermont Mortgage Market 2025
Creator: MortRadar
License: https://mortradar.com/legal/attribution

Who lends in Vermont, how much, and how it is changing — origination volume, denial rates, the top lenders by volume, and the purchase vs refinance mix, 2018–2025, from HMDA public data. Figures are as of activity year 2025 (latest available). Free — no account required.

Origination volume · 2025

$3.72B

+14.7% vs 2024

Originations · 2025

13,418

+14.2% vs 2024

Denial rate · 2025

14.8%

denied / actioned

HMDA reporters · 2025

329

HMDA reporters

Rank among states & territories

#51

of 54 states & territories by volume

Share of U.S. volume

0.2%

U.S. $2.41T

Median loan amount

$225K

U.S. $245K

Top lender

EastRise Federal Credit Union

14.2% of the state

◈

MARKET SHARE

EastRise Federal Credit Union led Vermont in 2025 with $529.1M — 14.2% of the state's disclosed volume. Vermont ranks #51 of 54 states & territories by origination volume, 0.2% of the national total. Statewide volume rose +14.7% from 2024.

Origination volume by year

Vermont dollar volume of originated loans

$ VOLUME · HOVER FOR UNITS

Loan purpose mix

Share of 2025 ORIGINATED LOANS — a unit mix. No source publishes purpose-level dollars, so this is never a $ share.

Purchase48%

Refinance27%

Other purposes25%

Denial rate by year

Vermont vs the U.S. · denials / actioned applications

% · STATE VS U.S.

Agency channel mix

Share of 2025 originations

Conventional90%

FHA5%

VA4%

USDA / RHS0%

Lenders in Vermont · 2025

All 329 lenders that reported in Vermont, ranked by origination volume · sort, filter and export any of them · each row opens the company profile

EVERY VERMONT RECORD →

1EastRise Federal Credit Union2,632$529.1M14.2%

+30.4%

2EMM Loans644$233.3M6.3%

+50.0%

3Rocket Mortgage786$178.2M4.8%

+12.9%

4Mascoma Bank500$176.1M4.7%

+30.0%

5Passumpsic Bank458$167.7M4.5%

−1.0%

6Vermont Federal Credit Union771$157.6M4.2%

+31.8%

7Union Bank533$154.1M4.1%

+0.3%

8CMG Mortgage318$116.3M3.1%

+5.6%

9NorthCountry Federal Credit Union740$114.0M3.1%

+38.6%

10M&T Bank352$99.9M2.7%

−3.7%

11Northfield Savings Bank225$94.1M2.5%

−54.4%

12Community Bank402$86.8M2.3%

−29.4%

13Citizens Bank397$85.2M2.3%

+40.5%

14TD Bank207$85.0M2.3%

+81.4%

15Community National Bank262$68.5M1.8%

−11.6%

16United Wholesale Mortgage166$66.0M1.8%

+79.6%

17JPMorgan Chase Bank80$55.4M1.5%

+24.1%

18802 Credit Union310$54.0M1.5%

+21.1%

19Mortgage Research Center167$52.8M1.4%

+29.3%

20Peoples Trust Company of ST. Albans165$49.9M1.3%

+45.1%

21Bank of America87$48.8M1.3%

+22.4%

22Guild Mortgage154$43.3M1.2%

+34.7%

23Better Mortgage117$39.9M1.1%

+954.3%

24Morgan Stanley Private Bank48$38.2M1.0%

+13.9%

25Fairway Independent Mortgage119$37.3M1.0%

−7.2%

26National Bank of Middlebury116$35.7M1.0%

−4.8%

27Freedom Mortgage99$31.3M0.8%

+58.3%

28PennyMac Loan Services83$31.0M0.8%

+52.6%

29Navy Federal Credit Union92$27.3M0.7%

+32.4%

30Guaranteed Rate50$23.7M0.6%

+39.2%

31CrossCountry Mortgage52$21.7M0.6%

+37.1%

32Citibank28$21.7M0.6%

−14.2%

33Advisors Mortgage Group61$21.5M0.6%

−13.5%

34NewRez84$20.4M0.5%

+82.2%

35loanDepot68$19.7M0.5%

+51.0%

36PrimeLending76$19.4M0.5%

+9.7%

37New American Funding81$19.2M0.5%

+25.6%

38Movement Mortgage58$19.1M0.5%

+28.4%

39U.S. Bank52$19.0M0.5%

−17.8%

40Nationstar Mortgage62$18.3M0.5%

+68.7%

41NBT Bank57$18.1M0.5%

−50.0%

42Mutual of Omaha Mortgage62$17.6M0.5%

+104.8%

43Bar Harbor Bank & Trust65$15.7M0.4%

−18.1%

44USAA Federal Savings Bank41$15.5M0.4%

+15.8%

45Ark-La-Tex Financial Services39$15.2M0.4%

+15.8%

46Wells Fargo Bank27$13.4M0.4%

−6.7%

47Farm Credit East ACA28$13.0M0.3%

+68.8%

48Keybank46$12.5M0.3%

+68.2%

49Plains Commerce Bank27$11.8M0.3%

+11181.0%

50MSA Mortgage33$11.6M0.3%

+16.7%

51UBS Bank USA13$11.3M0.3%

+26.4%

52Berkadia Commercial Mortgage1$11.1M0.3%—

53Green Mountain Credit Union58$9.7M0.3%

+66.6%

54Amerisave Mortgage61$9.6M0.3%

+112.6%

55Leader Bank19$8.1M0.2%

+91.6%

56The Camden National Bank18$8.0M0.2%

−41.4%

57HomeBridge Financial Services23$7.7M0.2%

+14.3%

58Synergy One Lending19$7.3M0.2%—

59Colorado15$7.3M0.2%—

60Sage Home Loans15$7.2M0.2%—

61City National Bank5$7.2M0.2%—

62Lakeview Loan Servicing24$7.1M0.2%

−0.5%

63Sofi Bank26$7.0M0.2%

+92.3%

64Service Federal Credit Union36$6.8M0.2%

+6.6%

65One Credit Union79$6.6M0.2%

+22.9%

66Berkshire Bank24$6.2M0.2%

−42.5%

67Homestead Funding18$6.2M0.2%

+77.3%

68PNC Bank23$5.9M0.2%

+29.3%

69Amerant Mortgage12$5.3M0.1%

−60.0%

70Carrington Mortgage Services24$5.0M0.1%

+62.4%

71Charles Schwab Bank5$4.8M0.1%

−41.1%

72Norwich Commercial Group14$4.6M0.1%

+124.0%

73Luminate Home Loans16$4.5M0.1%

−88.5%

74Alliant Credit Union8$4.4M0.1%

+58.8%

75The Northern Trust Co2$4.4M0.1%

−18.5%

76American Neighborhood Mortgage Acceptance10$4.4M0.1%—

7721st Mortgage32$4.4M0.1%

+63.6%

78Harborone Mortgage10$4.2M0.1%

−5.7%

79Raymond James Bank6$4.1M0.1%

+44.9%

80Figure Lending46$4.1M0.1%

+125.5%

81Truist Bank7$3.9M0.1%

+199.2%

82Bny Mellon5$3.9M0.1%—

83Greylock Federal Credit Union25$3.9M0.1%

+25.5%

84NBKC Bank11$3.8M0.1%

−51.9%

85Cornerstone First Mortgage7$3.6M0.1%

+275.5%

86Primary Residential Mortgage11$3.5M0.1%

−4.5%

87Stifel Bank & Trust7$3.3M0.1%

+171.0%

88Champions Funding6$3.2M0.1%

+963.3%

89Farmers Bank & Trust7$3.1M0.1%

+473.4%

90The9$3.1M0.1%

−27.9%

91Beacon Bank & Trust14$3.1M0.1%—

92Webster Bank2$2.8M0.1%

+356.9%

93Lendsure Mortgage8$2.8M0.1%

−7.4%

94Monson Savings Bank4$2.8M0.1%

+142.8%

95Citadel Servicing6$2.6M0.1%

−20.9%

96Guaranteed Rate Affinity5$2.6M0.1%

+290.3%

97Total Mortgage Services8$2.6M0.1%

+72.1%

98Spring EQ24$2.5M0.1%

+160.1%

99Bangor Savings Bank8$2.5M0.1%

+47.0%

100BMO Harris Bank4$2.5M0.1%

+31.0%

101Verus7$2.4M0.1%—

102American Financial Network3$2.4M0.1%

+162.8%

103Village Capital & Investment7$2.4M0.1%

+44.5%

104Barrington Bank & Trust Company8$2.4M0.1%

−3.1%

105Member First Mortgage11$2.3M0.1%

+53.6%

106Bankesb5$2.1M0.1%

+93.2%

107First Federal Bank5$2.1M0.1%

+19.7%

108Northpointe Bank6$2.1M0.1%

+27.2%

109Hometown Equity Mortgage5$2.0M0.1%

+4.9%

110FineMark National Bank & Trust1$2.0M0.1%

+281.9%

111Armed Forces Bank2$2.0M0.1%

+102.0%

112Zillow Home Loans6$2.0M0.1%

−56.6%

113Paramount Residential Mortgage4$1.9M0.1%

−54.5%

114PHH Mortgage5$1.9M0.1%

+0.3%

115Luminate Bank5$1.9M0.1%—

116Eagle Bank1$1.8M0.0%—

117AmeriHome Mortgage6$1.8M0.0%

+291.2%

118Change Lending1$1.8M0.0%—

119Digital Federal Credit Union9$1.8M0.0%

+4.2%

120T2 Financial5$1.8M0.0%—

121Deephaven Mortgage5$1.7M0.0%

+5.1%

122Adams Community Bank8$1.7M0.0%

+8.2%

123Nexera Holding3$1.6M0.0%

+567.3%

124Finance of America Reverse10$1.6M0.0%

−19.7%

125Dominion Financial Services6$1.6M0.0%

−59.4%

126Everett Financial5$1.6M0.0%

+135.1%

127Click n' Close9$1.5M0.0%—

128GuardHill Financial3$1.5M0.0%—

129Longbridge Financial7$1.5M0.0%

+71.0%

130Embrace Home Loans1$1.5M0.0%

−19.5%

131Pentagon Federal Credit Union4$1.5M0.0%

−68.2%

132Meadowbrook Financial Mortgage Bankers3$1.5M0.0%—

133Valley National Bank3$1.4M0.0%

+454.9%

134Reliance First Capital5$1.4M0.0%

−65.3%

135The Central Trust Bank2$1.4M0.0%

+132.5%

136Easy Street Capital4$1.4M0.0%

+474.5%

137Mortgage Equity Partners3$1.3M0.0%

+472.3%

138Fourleaf Federal Credit Union9$1.3M0.0%

+5.1%

139Ally Bank2$1.3M0.0%

+14.3%

140Ameris Bank3$1.3M0.0%—

141CoreVestAmericanFinanceLenderLLC1$1.2M0.0%—

142Lighthouse Federal Credit Union12$1.1M0.0%

−0.4%

143Geneva Financial4$1.1M0.0%

+109.1%

144United Nations Federal Credit Union2$1.1M0.0%

+127.7%

145NQM Funding3$1.1M0.0%

+252.3%

146First Bank1$1.1M0.0%—

147A&D Mortgage3$1.1M0.0%—

148Presidential Bank3$1.1M0.0%

+67.2%

149North American Savings Bank3$1.1M0.0%

+161.4%

150NFM2$1.1M0.0%

−19.2%

151American Financing7$1.1M0.0%

−12.0%

152RoundPoint Mortgage Servicing5$1.0M0.0%

+620.7%

153Bison State Bank2$1.0M0.0%—

154Trustco Bank9$1.0M0.0%

−1.9%

155Bank Fund Staff Federal Credit2$1.0M0.0%

+551.6%

156Northern Bank & Trust Company1$1.0M0.0%—

157Suffolk Federal Credit Union2$990K0.0%—

158Manasquan Bank1$975K0.0%—

159Waterstone Mortgage4$970K0.0%

−18.5%

160American Pacific Mortgage4$950K0.0%—

161First Citizens Bank & Trust1$935K0.0%

−83.8%

162Cardinal Financial Company, Li6$910K0.0%

−34.3%

163Discover Bank9$875K0.0%

−76.8%

164First Alliance Home Mortgage2$850K0.0%—

165Shoreham Bank2$850K0.0%

+86.8%

166Arc Home3$835K0.0%—

167The Loan Store3$815K0.0%—

168Valon Mortgage5$805K0.0%—

169Triad Bank1$805K0.0%—

170First Savings Bank2$780K0.0%

+69.6%

171Toyota Financial Savings Bank2$760K0.0%

+74.7%

172Newburyport Five Cents Savings Bank1$755K0.0%—

173Stanford Federal Credit Union2$730K0.0%

+595.2%

174Axos Bank1$725K0.0%

+480.0%

175Huntington National Bank2$720K0.0%

+206.4%

176Members Mortgage1$715K0.0%

+90.7%

177Westfield Bank3$675K0.0%

−27.0%

178Premia Mortgage1$675K0.0%—

179Goldman Sachs Bank USA1$665K0.0%

−88.2%

180Vista Point Mortgage2$660K0.0%—

181Hartford Funding2$660K0.0%

+17.9%

182Quorum Federal Credit Union3$655K0.0%

+87.1%

183Magnolia Bank3$655K0.0%—

184Das Acquisition3$655K0.0%—

185Planet Home Lending2$640K0.0%

−75.0%

186Premium Mortgage2$630K0.0%

−1.6%

187Hanscom Federal Credit Union4$610K0.0%

−42.5%

188Utilities Employees Credit Union3$605K0.0%

+21.0%

189New Century Bank1$605K0.0%—

190Ixonia Bank2$600K0.0%

−8.4%

191First United Bank and Trust Co1$595K0.0%—

192Churchill Mortgage2$580K0.0%

+118.9%

193The Money Store1$575K0.0%—

194HSBC Bank USA2$570K0.0%

−74.1%

195State Departmenet Federal Credit Union3$565K0.0%

+18.9%

196Central One Federal Credit Union3$565K0.0%

+2160.0%

197Wings Financial Credit Union1$565K0.0%

+175.6%

198SeaComm Federal Credit Union1$555K0.0%—

199Securitynational Mortgage1$545K0.0%—

200General Mortgage Capital2$520K0.0%—

201Griffin Funding2$520K0.0%—

202Oceanfirst Bank1$505K0.0%

−44.5%

203Community National Bank1$505K0.0%—

204Heritage Bank1$505K0.0%—

205Bay Equity2$500K0.0%

+9.9%

206WSFS bank1$495K0.0%

−42.4%

207radius financial group1$465K0.0%

−73.6%

208NBH Bank1$465K0.0%—

209Everett Co-Operative Bank1$455K0.0%—

210Kind Lending1$455K0.0%

+28.2%

211Bank Rhode Island1$455K0.0%

−69.8%

212Fairfield County Bank1$455K0.0%—

213Cliffco1$445K0.0%—

214NASA Federal Credit Union1$445K0.0%—

215Prosperity Home Mortgage2$430K0.0%

−82.0%

216Northwest Community Bank1$425K0.0%

−44.1%

217Old National Bank1$415K0.0%—

218Webster Five Cents Savings Bank1$415K0.0%—

219Chelsea Groton Bank1$405K0.0%—

220American Heritage Lending1$405K0.0%

+30.6%

221Empeople Credit Union2$400K0.0%

+220.0%

222First Colony Mortgage Corporat1$385K0.0%—

223Absolute Home Mortgage1$385K0.0%

−3.8%

224Atlantic Union Bank1$385K0.0%—

225GTE Federal Credit Union2$380K0.0%—

226Home State Bank1$375K0.0%—

227First Community Mortgage1$375K0.0%

+127.3%

228American Internet Mortgage2$370K0.0%

+72.1%

229Georgia's Own Credit Union1$365K0.0%

+87.2%

230Atlantic Coast Mortgage1$365K0.0%—

231Navigant Credit Union1$365K0.0%

+170.4%

232America's First Network Credit1$365K0.0%—

233Everence Federal Credit Union1$355K0.0%—

234Union Home Mortgage1$355K0.0%—

235Pivot Financial Partners2$340K0.0%

+51.1%

236Envoy Mortgage1$335K0.0%

−5.6%

237Nexbank1$335K0.0%

−64.6%

238American Airlines Federal Cred2$330K0.0%

−53.5%

239ClearEdge Lending1$325K0.0%—

240Nations Direct Mortgage1$325K0.0%—

241American Broadcast Employees FCU1$305K0.0%—

242Greenwood Credit Union1$285K0.0%—

243Cfbank1$285K0.0%

−59.6%

244Greenfield Savings Bank2$280K0.0%—

2451st Colonial Community Bank1$265K0.0%—

246Dart Bank1$255K0.0%—

247Freedom Credit Union1$245K0.0%

−22.2%

248Semper Home Loans1$245K0.0%

−3.9%

249Mortgage Solutions of Colorado1$245K0.0%—

250Meridian Bank1$245K0.0%—

251Calcon Mutual Mortgage1$235K0.0%

−4.1%

252LendingOne1$225K0.0%

−57.5%

253Liberty Savings Bank1$225K0.0%—

254Allied Mortgage Group1$225K0.0%—

255CV3 Financial Services1$215K0.0%—

256Flagstar Bank1$185K0.0%

−82.0%

257Reliant Home Funding1$175K0.0%

−60.7%

258Lakeview Community Capital1$175K0.0%—

259Credit Union One1$175K0.0%

−36.4%

260Mission Loans1$165K0.0%—

261First Horizon Bank1$165K0.0%—

262First National Bank of Omaha1$165K0.0%—

263Bank Five Nine1$155K0.0%—

264Developer's Mortgage1$155K0.0%—

265Lee Bank1$155K0.0%—

266Arrow Bank2$150K0.0%

−82.1%

267Baxter Credit Union2$140K0.0%

−12.5%

268Plaza Home Mortgage1$135K0.0%

−95.0%

269Webster First Federal Credit Union1$135K0.0%

−44.9%

270Merrimack County Savings Bank1$135K0.0%—

271Arvest Bank1$125K0.0%

−86.8%

272RBC Bank (Georgia)1$115K0.0%—

273American Financial Resources1$115K0.0%

−91.1%

274Triad Financial Services1$115K0.0%—

275Congressional Federal Credit Union1$105K0.0%—

276Meredith Village Savings Bank1$95K0.0%—

277Affinity Federal Credit Union1$75K0.0%

−21.1%

278Tower Federal Credit Union1$65K0.0%—

279First Western1$55K0.0%—

280Harvard Federal Credit Union1$55K0.0%

−45.0%

281The Adirondack Trust Company0———

282Logan Finance0———

283Connexus Credit Union0———

284Churchill Funding I0———

285Notre Dame Federal Credit Union0———

286Investor Mortgage Finance0———

287RCN Capital0———

288Usalliance Federal Credit Union0———

289First National Bank of America0———

290MidFirst Bank0———

291Silver Hill Funding0———

292Southwest Stage Funding0———

293MountainOne Bank0———

294Kiavi Funding0———

295Northern Credit Union0———

296Data Mortgage0———

297Tidemark Federal Credit Union0———

298William Raveis Mortgage0———

299I H Mississippi Valley Credit Union0———

300Trunorth Bank0———

301Partners Bank of New England0———

302Credit Union Mortgage Associat0———

303Redwood Residential Acquisition0———

304CBRE Multifamily Capital0———

305Kinecta Federal Credit Union0———

306Evolve Bank & Trust0———

307Atlanta Postal Credit Union0———

308Equity Prime Mortgage0———

309Community First National Bank0———

310Sharonview Federal Credit Union0———

311Fort Sill Federal Credit Union0———

312Stride Bank0———

313Plainscapital Bank0———

314New Wave Lending Group0———

315Baycoast Bank0———

316Fall River Five Cents Savings0———

317Teachers Federal Credit Union0———

318Texana Bank0———

319Sun West Mortgage0———

320Truliant Federal Credit Union0———

321Skyla Federal Credit Union0———

322Servbank0———

323ST. Mary's Bank Credit Union0———

324Foundation Mortgage0———

325Canopy Mortgage0———

326Commerce Bank0———

327First Financial Bank0———

328Fifth Third Bank0———

329Amerant Bank0———

1-4 family dwellings: Originations whose derived dwelling category is Single Family (1-4 Units) — site-built or manufactured.

ON THIS PAGE · This page is published for search and is served from cache, so it cannot read a scope from the address bar. The pills open the Vermont state hub, which honours the rung; the figures here stay on the full HMDA basis and the ladder below states exactly what that includes.

What “originations” counts

Every rung below is a strict subset of the one above it, for Vermont in 2025. No single HMDA slice equals the industry origination figure, so this shows the whole ladder rather than picking one and claiming it matches.

All HMDA originations13,418$3.7B100.0%— the widest basis

1-4 family dwellings13,286$3.5B94.4%5+ unit multifamily · 132 loans · $207.5M

1-4 family, first lien9,670$3.1B84.3%junior and subordinate liens · 3,616 loans · $377.4M

1-4 family, first lien, closed-end(disclosure only)8,633$2.9B79.0%home-equity lines of credit · 1,037 loans · $197.5M

1-4 family, first lien, closed-end, consumer-purpose(disclosure only)8,122$2.8B74.1%business-purpose loans and reverse mortgages · 511 loans · $183.0M

Source: HMDA public loan-application data (CFPB/FFIEC), action taken = 1, activity year 2025. The two lowest rungs are shown for disclosure and are not selectable — a HELOC flag or a business-purpose flag that the filer claimed the partial exemption on arrives unreported, so those two rungs keep unreported records rather than guessing.

Counties in Vermont

Mortgage lending by county — 14 with enough origination volume to profile, largest first

Chittenden County 3,578 Windsor County 1,324 Washington County 1,383 Franklin County 1,333 Lamoille County 666 Windham County 864 Rutland County 983 Addison County 640 Bennington County 519 Orleans County 641 Caledonia County 594 Orange County 522 Grand Isle County 235 Essex County 139

COUNTY PROFILES INCLUDE

Origination volume and denial rate, market concentration, the top lenders operating there, ACS housing and income context, and FEMA natural-hazard exposure.

Go deeper

Vermont in the full MortRadar app

Vermont market benchmarks →Interactive year-by-year volume, rates, and channel-mix charts Vermont state hub — every dataset →HMDA lender share, FHA, Fannie/Freddie, Ginnie Mae, VA, NMLS licensing, the state housing finance agency, CFPB complaints and market context, one tab each Top Mortgage Players →Cross-metric national leaderboard: HMDA, Ginnie, FHA, market cap National market hub →U.S. origination totals, movers, and the state map

Other state markets

Largest states by 2025 volume

California$344.74B Texas$186.23B Florida$183.52B New York$116.18B North Carolina$89.58B Washington$81.03B Georgia$79.74B Virginia$77.59B

All 50 states + DC →

Attribution & methodology. Vermont figures are computed by MortRadar from Home Mortgage Disclosure Act (HMDA) public data published by the Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC), activity years 2018–2025. Originations = loans originated (action taken 1); denial rate = denials / actioned applications (CFPB Data Browser convention); “state share” is a lender’s share of the state’s disclosed origination volume; 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.

Fair-lending context: denial rates and demographic figures shown here are descriptive statistics derived from public HMDA and U.S. Census data. HMDA does not contain the credit, income, or underwriting variables that explain most lending outcomes, so a difference between lenders or areas is a statistical observation about published data — not evidence of, and not a determination of, discrimination or redlining by any institution.