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investment property improvement lenders · HMDA 2023–2025

Investment property improvement lenders in Vermont

Fat Boy Data analyzed investment home improvement loan activity in Vermont to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 109 applications were decided by 20 lenders between 2023 and 2025.

Vermont at a glance

20Active lenders1 with 20+ decisions
67.0%Market approval rate73 of 109 decided
$95KTypical loanmedian lender, $10K brackets
99%Borrower take-up72 loans funded

How Vermont compares

Approval rate compared
Vermont67.0%All 616 counties51.2%
Typical loan compared
Vermont$95KAll 616 counties$115K

What the data shows

EastRise Federal Credit Union made the most investment home improvement loans in Vermont, 32 of them.

That is 44% of every investment home improvement loan originated here, so this market is unusually concentrated in one lender.

EastRise Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 82% of 40.

Lenders approved 67.0% of investment home improvement loan applications in Vermont, 15.7 percentage points above the the United States rate of 51.2%.

The typical investment home improvement loan here is $95K, 17% smaller than the the United States typical of $115K.

No lender with a meaningful sample here has a typical investment home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.

Investment property improvement lenders in Vermont

LenderApprovalApprovedTaken upTypical loanLoans made
1EastRise Federal Credit Union82%33 / 4097%$95K32
2TD Bank, National AssociationLimited sample36%4 / 11100%$205K4
3North Country Federal Credit UnionLimited sample100%10 / 10100%$145K10
4Northfield Savings BankLimited sample100%10 / 10100%$205K10
5Citizens Bank, National AssociationLimited sample0%0 / 60

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 15 more lenders.

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You are seeing the 5 largest investment home improvement loan lenders in Vermont. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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Other lending data for Vermont

Counties in Vermont