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2024 data HMDA 2024 disclosure official source

Addison County

979 mortgage applications, 13.1% denial rate. Verify FIPS 50001 with U.S. Census Bureau →

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Vermont · FIPS 50001

Local mortgage market. Addison County, Vermont saw 979 HMDA-reported mortgage applications in 2024. Lenders originated 606 of those loans and denied 128, producing a denial rate of 13.1% and an approval (origination) rate of 61.9%. The average loan amount was $227,646 at an average note rate of 7.37%, with applicants self-reporting average annual income of $37K. 64 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.2x, meaning typical borrowers took on mortgages of about 6.2 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 50001 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

979
Applications
606
Originated
13.1%
Denial Rate
61.9%
Approval Rate
$227,646
Avg Loan Amount
7.37%
Avg Interest Rate
$37K
Avg Applicant Income
6.2x
Loan-to-Income Ratio

Nearby Lenders in Addison County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Vermont Federal Credit Union 121 20.0%
2 EastRise Federal Credit Union 93 15.3%
3 National Bank of Middlebury 89 14.7%
4 Northeast Home Loan, LLC 28 4.6%
5 Rocket Mortgage 27 4.5%
Compare Vermont Federal Credit Union vs EastRise Federal Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Addison County?
In the 2024 HMDA reporting year, 979 mortgage applications were filed in Addison County, Vermont. Of these, 606 were originated (approved and funded), while 128 were denied, resulting in a denial rate of 13.1%.
What is the mortgage denial rate in Addison County?
The mortgage denial rate in Addison County is 13.1%. The approval (origination) rate is 61.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Addison County?
The average mortgage loan amount in Addison County is $227,646. The average interest rate is 7.367%. The average applicant income is $37K.
What is the loan-to-income ratio in Addison County?
The average loan-to-income ratio in Addison County is 6.2x, meaning borrowers took on loans averaging 6.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Addison County?
The top mortgage lenders in Addison County by origination volume are Vermont Federal Credit Union, EastRise Federal Credit Union, National Bank of Middlebury. In total, 64 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.