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mortgage lenders · HMDA 2023–2025

Mortgage lenders in Chittenden County, Vermont

Fat Boy Data analyzed home purchase mortgage activity in Chittenden County, Vermont to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 4,477 applications were decided by 143 lenders between 2023 and 2025.

Chittenden County at a glance

143Active lenders34 with 20+ decisions
93.9%Market approval rate4,202 of 4,477 decided
$365KTypical loanmedian lender, $10K brackets
98%Borrower take-up4,116 loans funded

How Chittenden County compares

Approval rate compared
Chittenden County93.9%Vermont93.9%All 616 counties87.6%
Typical loan compared
Chittenden County$365KVermont$365KAll 616 counties$335K

What the data shows

EastRise Federal Credit Union made the most home purchase mortgages in Chittenden County, VT, 1,171 of them.

That is 28% of every home purchase mortgage originated here, so this market is unusually concentrated in one lender.

Ark-La-Tex Financial Services, LLC. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 35.

Approval rate of all 34 lenders with 20+ decisions here
0%25%50%75%100%KeyBank National Association: 62% approved of 32Citizens Bank, National Association: 70% approved of 37North Country Federal Credit Union: 71% approved of 80TD Bank, National Association: 80% approved of 50JPMorgan Chase Bank, National Association: 84% approved of 31Better Mortgage Corporation: 85% approved of 26Manufacturers and Traders Trust Company: 85% approved of 92Academy Mortgage Corporation: 86% approved of 22Community Bank, National Association: 87% approved of 69Mascoma Bank: 87% approved of 77Opportunities Credit Union: 87% approved of 70NBT Bank, National Association: 90% approved of 20Pennymac Loan Services, LLC: 91% approved of 45Rocket Mortgage, LLC: 92% approved of 60Fairway Independent Mortgage Corporation: 93% approved of 87Navy Federal Credit Union: 93% approved of 29Luminate Home Loans, Inc.: 95% approved of 39The National Bank of Middlebury: 95% approved of 20Cmg Mortgage, Inc.: 95% approved of 249Homebridge Financial Services, Inc.: 95% approved of 22Draper and Kramer Mortgage Corp.: 96% approved of 23Vermont Federal Credit Union: 96% approved of 272Mortgage Research Center, LLC: 96% approved of 27Union Bank: 96% approved of 247EastRise Federal Credit Union: 96% approved of 1,220Northfield Savings Bank: 97% approved of 97United Wholesale Mortgage, LLC: 97% approved of 98Morgan Stanley Private Bank, National Association: 97% approved of 34Northeast Home Loan, LLC: 99% approved of 578Emm Loans LLC: 99% approved of 285Ark-La-Tex Financial Services, LLC.: 100% approved of 35Movement Mortgage, LLC: 100% approved of 27Guild Mortgage Company LLC: 100% approved of 24Amerant Mortgage, LLC: 100% approved of 20

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Mortgage lenders in Chittenden County

LenderApprovalApprovedTaken upTypical loanLoans made
1EastRise Federal Credit Union96%1,177 / 1,22099%$315K1,171
2Northeast Home Loan, LLCBroker only99%571 / 578100%$385K570
3Emm Loans LLC99%282 / 28596%$385K272
4Vermont Federal Credit Union96%261 / 27293%$305K242
5Cmg Mortgage, Inc.95%237 / 24996%$375K227

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 138 more lenders.

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You are seeing the 5 largest home purchase mortgage lenders in Chittenden County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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