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2024 data HMDA 2024 disclosure official source

Windham County

1,374 mortgage applications, 16.3% denial rate. Verify FIPS 50025 with U.S. Census Bureau →

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Vermont · FIPS 50025

Local mortgage market. Windham County, Vermont saw 1,374 HMDA-reported mortgage applications in 2024. Lenders originated 810 of those loans and denied 224, producing a denial rate of 16.3% and an approval (origination) rate of 59.0%. The average loan amount was $254,090 at an average note rate of 7.23%, with applicants self-reporting average annual income of $37K. 103 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.9x, meaning typical borrowers took on mortgages of about 6.9 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 50025 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,374
Applications
810
Originated
16.3%
Denial Rate
59.0%
Approval Rate
$254,090
Avg Loan Amount
7.23%
Avg Interest Rate
$37K
Avg Applicant Income
6.9x
Loan-to-Income Ratio

Nearby Lenders in Windham 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
1 802 Credit Union 176 21.7%
2 Rocket Mortgage 58 7.2%
3 Advisors Mortgage Group, LLC 53 6.5%
4 EastRise Federal Credit Union 51 6.3%
5 M&T Bank 45 5.6%
Compare 802 Credit Union vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Windham County?
In the 2024 HMDA reporting year, 1,374 mortgage applications were filed in Windham County, Vermont. Of these, 810 were originated (approved and funded), while 224 were denied, resulting in a denial rate of 16.3%.
What is the mortgage denial rate in Windham County?
The mortgage denial rate in Windham County is 16.3%. The approval (origination) rate is 59.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Windham County?
The average mortgage loan amount in Windham County is $254,090. The average interest rate is 7.232%. The average applicant income is $37K.
What is the loan-to-income ratio in Windham County?
The average loan-to-income ratio in Windham County is 6.9x, meaning borrowers took on loans averaging 6.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Windham County?
The top mortgage lenders in Windham County by origination volume are 802 Credit Union, Rocket Mortgage, Advisors Mortgage Group, LLC. In total, 103 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.