States › Vermont › Windsor County
Windsor 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.
Windsor County, Vermont, saw 1,750 HMDA-reported applications and 1,082 originations ($313m) in 2024.
That is 42.8 originations per 1,000 households, against 43.0 for Vermont and 48.0 nationally.
The county's denial rate was 21.9%, above the state rate of 19.6%. The median rate spread on originated loans was 0.3 percentage points and 11.6% of originations were 1.5 points or more above the average prime offer rate.
16 lenders reached 25 applications in the county; the most active by originations were Mascoma Bank (230), EMM Loans LLC (88) and 802 Credit Union (68).
Originations were about level with 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Mascoma Bank | 338 | 230 | $58m | 16.6% | — |
| 2 | EMM Loans LLC | 116 | 88 | $29m | 2.1% | — |
| 3 | 802 Credit Union | 68 | 68 | $8.7m | 0.0% | — |
| 4 | Rocket Mortgage | 85 | 64 | $16m | 20.0% | — |
| 5 | EastRise Federal Credit Union | 80 | 51 | $9.6m | 15.0% | — |
| 6 | CMG Mortgage Inc | 61 | 47 | $12m | 1.9% | — |
| 7 | M&T Bank | 74 | 43 | $8.9m | 33.8% | — |
| 8 | Bar Harbor Bank & Trust | 50 | 28 | $10m | 31.7% | — |
| 9 | Community Bank, N.A. | 27 | 24 | $4.3m | — | — |
| 10 | One Credit Union | 31 | 23 | $1.3m | 14.8% | — |
| 11 | CBNA Year to Date | 47 | 17 | $4.5m | 58.5% | — |
| 12 | Service Federal Credit Union | 35 | 15 | $2.2m | 41.4% | — |
| 13 | Mortgage Research Center | 33 | 13 | $3.2m | — | — |
| 14 | TD Bank | 26 | 10 | $2.3m | — | — |
| 15 | Discover Bank | 40 | 4 | $400k | 84.0% | — |
| 16 | Amerisave Mortgage Company | 31 | 2 | $170k | 92.6% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 16. Denial rate is denials over decided applications in this county.
Compared with Vermont and the nation
| Measure | This county | Vermont | United States |
|---|---|---|---|
| Denial rate | 21.9% | 19.6% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 11.6% | 14.4% | 15.6% |
| Average originated loan | $289k | $266k | $329k |
| Originations per 1,000 households | 42.8 | 43.0 | 48.0 |
| Home purchase share of originations | 53.7% | 49.9% | 57.0% |
| FHA-insured share | 4.9% | 4.9% | 13.4% |
| VA-guaranteed share | 3.3% | 4.0% | 7.9% |
Rate spread distribution
Share of 1,021 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 54% (581)Home improvement 12% (135)Refinancing 10% (110)Cash-out refinancing 9% (98)Other purpose 15% (158)
By type
Conventional 91% (984)FHA 5% (53)VA 3% (36)USDA 1% (9)
Trend by year
ApplicationsOriginations
This countyVermont
Questions and answers
Which lenders are most active in Windsor County, VT?
By 2024 originations: Mascoma Bank (230), EMM Loans LLC (88), 802 Credit Union (68), Rocket Mortgage (64), EastRise Federal Credit Union (51). 16 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Windsor County?
21.9% of decided applications were denied in 2024, against 19.6% across Vermont and 24.3% nationally.
How many mortgages were originated in Windsor County in 2024?
1,082 loans totalling $313m, from 1,750 applications; 42.8 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 50027; 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.