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Washington County, Vermont · 2025

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

124 lenders acted on 2,060 mortgage applications for properties in Washington County in 2025. 12.1% were denied (Vermont: 14.8%). Median rate on closed loans 6.63%; median loan $205,000; median property value $385,000.

2.1kApplications
12.1%Denial ratestate 14.8%
6.63%Median ratestate 6.71%
$205,000Median loan
$385,000Median property value

Largest lenders in Washington County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Eastrise Federal Credit Union A 470350 5.1%6.50%
2 North Country C 213128 11.3%7.00%
3 Northfield Savings Bank B 138101 5.8%6.57%
4 Rocket Mortgage C 12388 22.0%6.63%
5 Northeast Home Loan A 7566 2.7%6.38%
6 Union Bank B 7161 2.8%6.75%
7 Emm Loans B 6756 0.0%6.50%
8 Citizens Bank C 5527 40.0%7.50%
9 Community Bank D 5432 20.4%7.00%
10 Vermont Federal Credit Union A 5138 15.7%6.57%
11 CMG Mortgage A 4226 0.0%6.25%
12 Community National Bank A 3835 2.6%7.13%
13 Manufacturers and Traders Trust C 3726 13.5%6.00%
14 Mortgage Research Center C 3611 25.0%6.50%
15 Msa Mortgage B 3428 5.9%6.81%
16 Newrez D 3210 12.5%6.75%
17 TD Bank D 2815 28.6%7.64%
18 Mascoma Bank B 2219 9.1%6.50%
19 Freedom Mortgage B 2112 4.8%5.75%
20 Navy Federal Credit Union D 2012 15.0%6.56%
21 Guild Mortgage A 1712 5.9%6.38%
22 Pennymac Loan Services C 166 18.8%5.75%
23 Bank of America F 168 31.3%5.75%
24 Better Mortgage F 1511 13.3%6.50%
25 Mutual of Omaha Mortgage C 158 13.3%6.63%

Best approval odds in Washington County

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

#LenderDecidedDecision denial rate
1Emm Loans580.0%
2Northeast Home Loan692.9%
3Union Bank633.2%
4Eastrise Federal Credit Union3766.4%
5Northfield Savings Bank1166.9%
6North Country15315.7%
7Rocket Mortgage11922.7%

What Washington County borrowers applied for

By loan purpose

Home purchase 886 43% · 6.4% denied
Refinance 315 15% · 9.5% denied
Cash-out refinance 314 15% · 20.7% denied
Home improvement 328 16% · 14.6% denied
Other / HELOC 217 11% · 22.6% denied

By loan type

Conventional 1,834 89% · 11.3% denied
FHA 118 6% · 18.6% denied
VA 105 5% · 18.1% denied
USDA / RHS 3 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 100 40%
Collateral 49 20%
Credit history 38 15%
Incomplete application 26 10%
Other 14 6%
Unverifiable information 10 4%
Insufficient cash 8 3%
Employment history 4 2%

Washington County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20231,8251,10116.3%6.88%$165,000
20241,8771,20614.4%6.89%$195,000
20252,0601,38312.1%6.63%$205,000

Frequently asked questions

12.1% of applications in Washington County were denied in 2025, against 14.8% statewide in Vermont.

Eastrise Federal Credit Union, with 470 applications in 2025 and a denial rate of 5.1%.

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