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2024 data HMDA 2024 disclosure official source

Bennington County

869 mortgage applications, 20.4% denial rate. Verify FIPS 50003 with U.S. Census Bureau →

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Vermont · FIPS 50003

Local mortgage market. Bennington County, Vermont saw 869 HMDA-reported mortgage applications in 2024. Lenders originated 447 of those loans and denied 177, producing a denial rate of 20.4% and an approval (origination) rate of 51.4%. The average loan amount was $247,371 at an average note rate of 7.10%, with applicants self-reporting average annual income of $37K. 84 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.7x, meaning typical borrowers took on mortgages of about 6.7 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 50003 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

869
Applications
447
Originated
20.4%
Denial Rate
51.4%
Approval Rate
$247,371
Avg Loan Amount
7.10%
Avg Interest Rate
$37K
Avg Applicant Income
6.7x
Loan-to-Income Ratio

Nearby Lenders in Bennington 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 Rocket Mortgage 62 13.9%
2 Greylock Federal Credit Union 28 6.3%
3 EastRise Federal Credit Union 27 6.0%
4 CBNA Year to Date 22 4.9%
5 Berkshire Bank 17 3.8%
Compare Rocket Mortgage vs Greylock Federal Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Bennington County?
In the 2024 HMDA reporting year, 869 mortgage applications were filed in Bennington County, Vermont. Of these, 447 were originated (approved and funded), while 177 were denied, resulting in a denial rate of 20.4%.
What is the mortgage denial rate in Bennington County?
The mortgage denial rate in Bennington County is 20.4%. The approval (origination) rate is 51.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Bennington County?
The average mortgage loan amount in Bennington County is $247,371. The average interest rate is 7.098%. The average applicant income is $37K.
What is the loan-to-income ratio in Bennington County?
The average loan-to-income ratio in Bennington County is 6.7x, meaning borrowers took on loans averaging 6.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Bennington County?
The top mortgage lenders in Bennington County by origination volume are Rocket Mortgage, Greylock Federal Credit Union, EastRise Federal Credit Union. In total, 84 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.