HomeVermontRefinance
refinance lenders · HMDA 2023–2025

Refinance lenders in Vermont

Fat Boy Data analyzed mortgage refinance 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. 1,623 applications were decided by 76 lenders between 2023 and 2025.

Vermont at a glance

76Active lenders12 with 20+ decisions
86.5%Market approval rate1,404 of 1,623 decided
$125KTypical loanmedian lender, $10K brackets
97%Borrower take-up1,361 loans funded

How Vermont compares

Approval rate compared
Vermont86.5%All 616 counties76.5%
Typical loan compared
Vermont$125KAll 616 counties$295K

What the data shows

EastRise Federal Credit Union made the most mortgage refinances in Vermont, 543 of them.

That is 40% of every mortgage refinance originated here, so this market is unusually concentrated in one lender.

Cmg Mortgage, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 96% of 28.

Lenders approved 86.5% of mortgage refinance applications in Vermont, 10.0 percentage points above the the United States rate of 76.5%.

The typical mortgage refinance here is $125K, 58% smaller than the the United States typical of $295K.

Approval rate of all 12 lenders with 20+ decisions here
0%25%50%75%100%Citizens Bank, National Association: 74% approved of 147TD Bank, National Association: 77% approved of 61Rocket Mortgage, LLC: 78% approved of 37Manufacturers and Traders Trust Company: 79% approved of 97Vermont Federal Credit Union: 81% approved of 201NBT Bank, National Association: 87% approved of 55North Country Federal Credit Union: 91% approved of 81Community Bank, National Association: 92% approved of 76Freedom Mortgage Corporation: 95% approved of 21EastRise Federal Credit Union: 95% approved of 574Cmg Mortgage, Inc.: 96% approved of 28Northeast Home Loan, LLC: 100% approved of 20

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in Vermont

LenderApprovalApprovedTaken upTypical loanLoans made
1EastRise Federal Credit Union95%548 / 57499%$115K543
2Vermont Federal Credit Union81%162 / 20196%$145K156
3Citizens Bank, National Association74%109 / 14794%$205K102
4Manufacturers and Traders Trust Company79%77 / 9794%$155K72
5North Country Federal Credit Union91%74 / 8199%$125K73

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 71 more lenders.

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You are seeing the 5 largest mortgage refinance 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