Find a better mortgage lender

Lamoille County, Vermont · 2025

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

116 lenders acted on 1,025 mortgage applications for properties in Lamoille County in 2025. 14.6% were denied (Vermont: 14.8%). Median rate on closed loans 6.75%; median loan $255,000; median property value $465,000.

1.0kApplications
14.6%Denial ratestate 14.8%
6.75%Median ratestate 6.71%
$255,000Median loan
$465,000Median property value

Largest lenders in Lamoille County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Eastrise Federal Credit Union A 154105 11.0%6.50%
2 North Country C 10672 8.5%7.44%
3 Union Bank B 8470 3.6%6.88%
4 Vermont Federal Credit Union A 4236 7.1%6.50%
5 Guild Mortgage A 3926 2.6%6.63%
6 Rocket Mortgage C 3724 21.6%6.63%
7 Citizens Bank C 3615 50.0%7.15%
8 TD Bank D 3621 16.7%7.59%
9 Manufacturers and Traders Trust C 2813 46.4%5.99%
10 Emm Loans B 2417 4.2%6.50%
11 Community Bank D 2419 16.7%7.00%
12 Mascoma Bank B 2318 13.0%6.63%
13 Community National Bank A 1917 10.5%6.88%
14 Northeast Home Loan A 1916 0.0%6.50%
15 CMG Mortgage A 1610 0.0%7.06%
16 Freedom Mortgage B 152 20.0%5.75%
17 Newrez D 143 14.3%6.25%
18 Bank of America F 138 23.1%6.12%
19 Better Mortgage F 135 38.5%6.88%
20 AmeriSave Mortgage D 124 58.3%8.94%
21 Broker Solutions D 123 16.7%7.25%
22 Northfield Savings Bank B 129 8.3%6.25%
23 United Shore Financial Services B 117 9.1%6.54%
24 Peoples Trust Company of St. Albans B 116 9.1%—
25 JPMorgan Chase Bank B 105 20.0%6.75%

Best approval odds in Lamoille County

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

#LenderDecidedDecision denial rate
1Union Bank734.1%
2North Country8211.0%
3Eastrise Federal Credit Union12413.7%

What Lamoille County borrowers applied for

By loan purpose

Home purchase 432 42% · 8.1% denied
Refinance 172 17% · 11.6% denied
Cash-out refinance 144 14% · 24.3% denied
Home improvement 166 16% · 21.1% denied
Other / HELOC 111 11% · 22.5% denied

By loan type

Conventional 925 90% · 13.8% denied
FHA 62 6% · 24.2% denied
VA 37 4% · 18.9% denied
USDA / RHS 1 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 60 40%
Collateral 32 21%
Credit history 25 17%
Other 12 8%
Incomplete application 12 8%
Unverifiable information 5 3%
Employment history 2 1%
Insufficient cash 2 1%

Lamoille County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202389554315.9%7.00%$185,000
20241,00661116.6%7.13%$225,000
20251,02566614.6%6.75%$255,000

Frequently asked questions

14.6% of applications in Lamoille County were denied in 2025, against 14.8% statewide in Vermont.

Eastrise Federal Credit Union, with 154 applications in 2025 and a denial rate of 11.0%.

The median mortgage application in Lamoille County in 2025 was for $255,000; the median property value on originated loans was $465,000.