Largest lenders in Orange County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Mascoma Bank | B | 98 | 70 | 17.4% | 6.99% |
| 2 | Eastrise Federal Credit Union | A | 85 | 62 | 8.2% | 6.38% |
| 3 | Rocket Mortgage | C | 58 | 35 | 25.9% | 6.75% |
| 4 | North Country | C | 53 | 35 | 9.4% | 7.44% |
| 5 | Emm Loans | B | 46 | 38 | 4.4% | 6.63% |
| 6 | Bar Harbor Bank & Trust | D | 40 | 17 | 37.5% | 7.25% |
| 7 | Northfield Savings Bank | B | 39 | 27 | 15.4% | 6.38% |
| 8 | Citizens Bank | C | 32 | 17 | 40.6% | 7.65% |
| 9 | Mortgage Research Center | C | 26 | 16 | 7.7% | 6.63% |
| 10 | Community Bank | D | 26 | 10 | 15.4% | 6.88% |
| 11 | 802 Credit Union | B | 19 | 19 | 0.0% | 7.49% |
| 12 | Union Bank | B | 18 | 14 | 0.0% | 6.63% |
| 13 | AmeriSave Mortgage | D | 16 | 2 | 81.3% | 11.00% |
| 14 | Broker Solutions | D | 16 | 5 | 18.8% | 6.99% |
| 15 | ONE Credit Union | C | 15 | 13 | 6.7% | 7.13% |
| 16 | Vermont Federal Credit Union | A | 15 | 9 | 33.3% | 6.25% |
| 17 | Community National Bank | A | 14 | 12 | 7.1% | 7.16% |
| 18 | Service Federal Credit Union | C | 14 | 7 | 28.6% | 6.49% |
| 19 | Newrez | D | 13 | 4 | 30.8% | 6.38% |
| 20 | United Shore Financial Services | B | 12 | 10 | 8.3% | 6.13% |
| 21 | Figure Lending | C | 12 | 4 | 41.7% | 11.40% |
| 22 | CMG Mortgage | A | 11 | 8 | 0.0% | 6.63% |
| 23 | Mutual of Omaha Mortgage | C | 9 | 6 | 11.1% | 6.43% |
| 24 | Nationstar Mortgage | C | 9 | 5 | 22.2% | 6.38% |
| 25 | Manufacturers and Traders Trust | C | 8 | 3 | 37.5% | 5.99% |
Best approval odds in Orange County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Eastrise Federal Credit Union | 69 | 10.1% |
| 2 | Mascoma Bank | 91 | 18.7% |
| 3 | Rocket Mortgage | 53 | 28.3% |
What Orange County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Orange County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 766 | 477 | 18.2% | 6.83% | $155,000 |
| 2024 | 791 | 493 | 18.6% | 6.99% | $165,000 |
| 2025 | 869 | 522 | 19.9% | 6.75% | $185,000 |
Frequently asked questions
19.9% of applications in Orange County were denied in 2025, against 14.8% statewide in Vermont.
Mascoma Bank, with 98 applications in 2025 and a denial rate of 17.4%.
The median mortgage application in Orange County in 2025 was for $185,000; the median property value on originated loans was $365,000.