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Windsor County, Vermont · 2025

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

163 lenders acted on 2,169 mortgage applications for properties in Windsor County in 2025. 18.5% were denied (Vermont: 14.8%). Median rate on closed loans 6.75%; median loan $215,000; median property value $410,000.

2.2kApplications
18.5%Denial ratestate 14.8%
6.75%Median ratestate 6.71%
$215,000Median loan
$410,000Median property value

Largest lenders in Windsor County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Mascoma Bank B 386272 17.4%6.75%
2 Emm Loans B 163138 1.8%6.69%
3 Rocket Mortgage C 14196 22.7%6.88%
4 Citizens Bank C 12162 36.4%7.40%
5 Eastrise Federal Credit Union A 7853 7.7%6.63%
6 Manufacturers and Traders Trust C 7438 35.1%5.99%
7 802 Credit Union B 7265 6.9%6.99%
8 Mortgage Research Center C 5322 18.9%6.56%
9 Bank of America F 3820 21.1%6.00%
10 CMG Mortgage A 3824 15.8%6.88%
11 Bar Harbor Bank & Trust D 3623 16.7%7.00%
12 United Shore Financial Services B 3524 20.0%6.13%
13 ONE Credit Union C 3425 20.6%6.63%
14 Community Bank D 3221 12.5%7.00%
15 Service Federal Credit Union C 3220 25.0%6.43%
16 Primelending, a Plainscapital A 2820 10.7%6.75%
17 Guaranteed Rate B 2716 7.4%7.00%
18 Freedom Mortgage B 2713 7.4%6.25%
19 Broker Solutions D 274 14.8%6.81%
20 JPMorgan Chase Bank B 2619 0.0%6.38%
21 Fairway Independent Mortgage B 2615 19.2%6.99%
22 TD Bank D 2613 30.8%7.59%
23 Navy Federal Credit Union D 2513 12.0%6.75%
24 Figure Lending C 256 48.0%9.46%
25 AmeriSave Mortgage D 2311 39.1%7.13%

Best approval odds in Windsor County

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

#LenderDecidedDecision denial rate
1Emm Loans1512.0%
2802 Credit Union707.1%
3Eastrise Federal Credit Union5910.2%
4Mascoma Bank35818.7%
5Rocket Mortgage13124.4%
6Manufacturers and Traders Trust6639.4%
7Citizens Bank10641.5%

What Windsor County borrowers applied for

By loan purpose

Home purchase 950 44% · 11.3% denied
Refinance 255 12% · 17.3% denied
Cash-out refinance 340 16% · 23.8% denied
Home improvement 324 15% · 25.3% denied
Other / HELOC 300 14% · 29.0% denied

By loan type

Conventional 1,886 87% · 18.4% denied
FHA 161 7% · 16.8% denied
VA 115 5% · 21.7% denied
USDA / RHS 7 0% · 28.6% denied

Why applications were denied

Debt-to-income ratio 151 38%
Collateral 109 27%
Credit history 60 15%
Incomplete application 34 8%
Other 27 7%
Employment history 9 2%
Insufficient cash 6 1%
Unverifiable information 5 1%

Windsor County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20231,7041,06616.7%6.88%$185,000
20241,7501,08218.1%6.99%$205,000
20252,1691,32418.5%6.75%$215,000

Frequently asked questions

18.5% of applications in Windsor County were denied in 2025, against 14.8% statewide in Vermont.

Mascoma Bank, with 386 applications in 2025 and a denial rate of 17.4%.

The median mortgage application in Windsor County in 2025 was for $215,000; the median property value on originated loans was $410,000.