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Franklin County, Vermont · 2025

Mortgage lenders in Franklin County, VT: denial rates and top lenders (2025)

99 lenders acted on 1,992 mortgage applications for properties in Franklin County in 2025. 13.1% were denied (Vermont: 14.8%). Median rate on closed loans 6.63%; median loan $205,000; median property value $385,000.

2.0kApplications
13.1%Denial ratestate 14.8%
6.63%Median ratestate 6.71%
$205,000Median loan
$385,000Median property value

Largest lenders in Franklin County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Eastrise Federal Credit Union A 426312 4.9%6.50%
2 Vermont Federal Credit Union A 225176 11.6%6.93%
3 Peoples Trust Company of St. Albans B 169139 6.5%—
4 Rocket Mortgage C 10680 18.9%6.99%
5 Union Bank B 7863 6.4%6.75%
6 North Country C 7242 9.7%7.44%
7 CMG Mortgage A 6137 8.2%6.50%
8 Citizens Bank C 6017 53.3%7.65%
9 Mortgage Research Center C 5324 9.4%6.50%
10 Emm Loans B 4944 0.0%6.38%
11 Freedom Mortgage B 4021 7.5%5.75%
12 Community Bank D 4027 10.0%7.00%
13 Newrez D 3710 13.5%6.63%
14 Manufacturers and Traders Trust C 3414 41.2%5.99%
15 Northeast Home Loan A 3229 0.0%6.25%
16 Pennymac Loan Services C 3010 10.0%6.06%
17 Broker Solutions D 3018 10.0%7.25%
18 Movement Mortgage A 2921 10.3%6.38%
19 AmeriSave Mortgage D 266 76.9%7.00%
20 Better Mortgage F 2417 16.7%6.63%
21 TD Bank D 2412 29.2%7.86%
22 United Shore Financial Services B 2219 4.6%6.12%
23 Guild Mortgage A 1918 0.0%6.31%
24 Navy Federal Credit Union D 186 33.3%7.38%
25 Figure Lending C 186 27.8%9.60%

Best approval odds in Franklin County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Eastrise Federal Credit Union3366.3%
2Peoples Trust Company of St. Albans1517.3%
3Union Bank687.4%
4CMG Mortgage5010.0%
5Vermont Federal Credit Union21712.0%
6North Country5113.7%
7Rocket Mortgage10119.8%
8Citizens Bank5261.5%

What Franklin County borrowers applied for

By loan purpose

Home purchase 807 41% · 5.8% denied
Refinance 364 18% · 12.1% denied
Cash-out refinance 308 15% · 23.4% denied
Home improvement 285 14% · 17.9% denied
Other / HELOC 228 11% · 20.2% denied

By loan type

Conventional 1,630 82% · 12.8% denied
FHA 164 8% · 22.6% denied
VA 182 9% · 6.6% denied
USDA / RHS 16 1% · 12.5% denied

Why applications were denied

Debt-to-income ratio 104 40%
Credit history 45 17%
Collateral 44 17%
Incomplete application 32 12%
Other 21 8%
Insufficient cash 8 3%
Unverifiable information 4 2%
Employment history 2 1%

Franklin County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20231,8361,15317.5%7.00%$155,000
20241,8551,19616.2%6.88%$195,000
20251,9921,33313.1%6.63%$205,000

Frequently asked questions

13.1% of applications in Franklin County were denied in 2025, against 14.8% statewide in Vermont.

Eastrise Federal Credit Union, with 426 applications in 2025 and a denial rate of 4.9%.

The median mortgage application in Franklin County in 2025 was for $205,000; the median property value on originated loans was $385,000.