VT · Statewide HMDA 2024
Vermont mortgage lending
According to the CFPB HMDA 2024 Snapshot, 243 reporting lenders · 14 counties · 1 metros.
Volume rank is not origination-share rank
According to the CFPB HMDA 2024 Snapshot, Vermont ranks #51 of 54 by application volume but #4 of 52 states with 10,000+ applications on origination share (60.2%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.
- #4
- Origination-share rank of 52
- 60.2%
- Origination share
- 11,753
- Originated
- 15.2%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
19,538reported applications
CFPB HMDA state filing plate
State VT · Vermont 15.2% denial
VOL-TRACE · DEN-MID · PHOTO-FINISH · ORIG-LOW · BOOK-FULL · LEAD-HEAVY
- VOL-TRACE #51/54
- DEN-MID 15.2%
- PHOTO-FINISH Oregon
- ORIG-LOW 60.2%
- BOOK-FULL 243 lenders
- LEAD-HEAVY 19% top
Photo-finish peer: Oregon · 15.2% denial (+0.0pp vs Vermont)
2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.
Denial-rate neighbourhood · Vermont
Poles and nearest peers by statewide HMDA denial rate, not a full state roster.
Nationwide states with similar HMDA denial rate or application volume
Two statewide peer sets for Vermont: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.
Similar denial rate
Nearest states by statewide denial rate (15.2% here).
Similar application volume
Nearest states by HMDA applications filed (19,538 here).
Top lenders by originations · Vermont
Funded loans among HMDA-reporting institutions active in this state.
Where Vermont sits by application volume
2024 CFPB HMDA states and territories, bucketed by mortgage applications filed
19,538 6th percentile higher than 6% of 54 states and territories
Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year
Top counties by originations · Vermont
In-state county volume from the same HMDA county board linked below.
How to read this state sheet. Vermont filed 19,538 HMDA-reported applications in 2024 (#51 of 54 by volume) with a 15.2% denial rate - near the national 17.2% baseline. White applicants (14,756 apps) show 15.3% denial; Joint applicants (359 apps) show 13.4% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.
Nearby Lenders in Vermont
Top HMDA-reporting lenders active in Vermont. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | EastRise Federal Credit Union | 2,206 | 18.8% |
| 2 | Rocket Mortgage | 706 | 6.0% |
| 3 | NorthCountry Federal Credit Union | 668 | 5.7% |
| 4 | Vermont Federal Credit Union | 601 | 5.1% |
| 5 | Union Bank | 497 | 4.2% |
Reported outcomes by applicant race in Vermont
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 14,756 | 62.7% | 15.3% |
| Joint | 359 | 61.6% | 13.4% |
| Asian | 300 | 56.7% | 18.3% |
| Black or African American | 128 | 40.6% | 32.0% |
| American Indian or Alaska Native | 92 | 44.6% | 23.9%sample too small to read |
| Native Hawaiian or Other Pacific Islander | 14 | 50.0% | 14.3%sample too small to read |
| 2 or more minority races | 13 | 38.5% | 23.1%sample too small to read |
Every county in Vermont, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| Chittenden County | 4,517 | 2,988 | 11.3% | $305,170 |
| Franklin County | 2,014 | 1,196 | 14.9% | $224,076 |
| Washington County | 2,000 | 1,206 | 13.5% | $230,055 |
| Windsor County | 1,844 | 1,082 | 17.2% | $279,414 |
| Rutland County | 1,609 | 897 | 19.6% | $279,357 |
| Windham County | 1,374 | 810 | 16.3% | $254,090 |
| Lamoille County | 1,056 | 611 | 15.8% | $376,676 |
| Addison County | 979 | 606 | 13.1% | $227,646 |
| Orleans County | 936 | 556 | 14.1% | $193,600 |
| Bennington County | 869 | 447 | 20.4% | $247,371 |
| Caledonia County | 861 | 481 | 18.2% | $179,866 |
| Orange County | 829 | 493 | 17.7% | $205,832 |
| Grand Isle County | 328 | 195 | 17.1% | $249,116 |
| Essex County | 234 | 120 | 23.5% | $153,376 |
Metro Areas in Vermont
Frequently Asked Questions
How many mortgage applications were filed in Vermont?
Where does Vermont sit among U.S. states for mortgage volume?
What is the mortgage denial rate in Vermont?
What is the average mortgage loan amount in Vermont?
How many mortgage lenders operate in Vermont?
How do mortgage denial rates vary by demographics in Vermont?
Which counties in Vermont have the most mortgage activity?
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.