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Orange County, Vermont
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Orange County, Vermont, saw 791 HMDA-reported applications and 493 originations ($103m) in 2024.
That is 38.7 originations per 1,000 households, against 43.0 for Vermont and 48.0 nationally.
The county's denial rate was 22.2%, above the state rate of 19.6%. The median rate spread on originated loans was 0.4 percentage points and 15.3% of originations were 1.5 points or more above the average prime offer rate.
7 lenders reached 25 applications in the county; the most active by originations were EastRise Federal Credit Union (64), Mascoma Bank (56) and EMM Loans LLC (40).
Originations were about level with 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | EastRise Federal Credit Union | 96 | 64 | $8.0m | 14.5% | — |
| 2 | Mascoma Bank | 90 | 56 | $11m | 25.9% | — |
| 3 | EMM Loans LLC | 44 | 40 | $13m | 0.0% | — |
| 4 | Rocket Mortgage | 54 | 37 | $6.2m | 20.8% | — |
| 5 | NorthCountry Federal Credit Union | 44 | 28 | $3.2m | 22.2% | — |
| 6 | Northfield Savings Bank | 37 | 27 | $6.1m | 9.1% | — |
| 7 | Community Bank, N.A. | 29 | 18 | $2.0m | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 7. Denial rate is denials over decided applications in this county.
Compared with Vermont and the nation
| Measure | This county | Vermont | United States |
|---|---|---|---|
| Denial rate | 22.2% | 19.6% | 24.3% |
| Median rate spread, pp | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 15.3% | 14.4% | 15.6% |
| Average originated loan | $209k | $266k | $329k |
| Originations per 1,000 households | 38.7 | 43.0 | 48.0 |
| Home purchase share of originations | 43.6% | 49.9% | 57.0% |
| FHA-insured share | 7.3% | 4.9% | 13.4% |
| VA-guaranteed share | 7.3% | 4.0% | 7.9% |
Rate spread distribution
Share of 477 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Vermont). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 44% (215)Home improvement 17% (86)Refinancing 12% (58)Cash-out refinancing 14% (68)Other purpose 13% (66)
By type
Conventional 85% (420)FHA 7% (36)VA 7% (36)USDA 0% (1)
Trend by year
ApplicationsOriginations
This countyVermont
Questions and answers
Which lenders are most active in Orange County, VT?
By 2024 originations: EastRise Federal Credit Union (64), Mascoma Bank (56), EMM Loans LLC (40), Rocket Mortgage (37), NorthCountry Federal Credit Union (28). 7 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Orange County?
22.2% of decided applications were denied in 2024, against 19.6% across Vermont and 24.3% nationally.
How many mortgages were originated in Orange County in 2024?
493 loans totalling $103m, from 791 applications; 38.7 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 50017; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.