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2024 data HMDA 2024 disclosure official source

Orleans County

936 mortgage applications, 14.1% denial rate. Verify FIPS 50019 with U.S. Census Bureau →

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Vermont · FIPS 50019

Local mortgage market. Orleans County, Vermont saw 936 HMDA-reported mortgage applications in 2024. Lenders originated 556 of those loans and denied 132, producing a denial rate of 14.1% and an approval (origination) rate of 59.4%. The average loan amount was $193,600 at an average note rate of 7.14%, with applicants self-reporting average annual income of $37K. 62 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.2x, meaning typical borrowers took on mortgages of about 5.2 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 50019 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

936
Applications
556
Originated
14.1%
Denial Rate
59.4%
Approval Rate
$193,600
Avg Loan Amount
7.14%
Avg Interest Rate
$37K
Avg Applicant Income
5.2x
Loan-to-Income Ratio

Nearby Lenders in Orleans 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 NorthCountry Federal Credit Union 124 22.3%
2 Community National Bank 80 14.4%
3 Union Bank 64 11.5%
4 EastRise Federal Credit Union 49 8.8%
5 Rocket Mortgage 29 5.2%
Compare NorthCountry Federal Credit Union vs Community National Bank →

Frequently Asked Questions

How many mortgage applications were filed in Orleans County?
In the 2024 HMDA reporting year, 936 mortgage applications were filed in Orleans County, Vermont. Of these, 556 were originated (approved and funded), while 132 were denied, resulting in a denial rate of 14.1%.
What is the mortgage denial rate in Orleans County?
The mortgage denial rate in Orleans County is 14.1%. The approval (origination) rate is 59.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Orleans County?
The average mortgage loan amount in Orleans County is $193,600. The average interest rate is 7.138%. The average applicant income is $37K.
What is the loan-to-income ratio in Orleans County?
The average loan-to-income ratio in Orleans County is 5.2x, meaning borrowers took on loans averaging 5.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Orleans County?
The top mortgage lenders in Orleans County by origination volume are NorthCountry Federal Credit Union, Community National Bank, Union Bank. In total, 62 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.