Lenders › Northfield Savings Bank › Vermont
Northfield Savings Bank in Vermont
HMDA record for properties in Vermont, calendar year 2024. National record · Vermont overview
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.
Northfield Savings Bank's 2024 HMDA record for Vermont covers 369 applications, 257 of them originated, worth $87m.
Its denial rate in the state was 12.6%, below the Vermont rate of 19.6% across all lenders and compared with the lender's national rate of 12.6%.
The median rate spread on its Vermont originations was 0.0 percentage points (state median 0.3).
Applications in the state were down 7% on 2023.
Compared with the state and the lender's national record
| Measure | In Vermont | Vermont, all lenders | Northfield Savings Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 12.6% | 19.6% | 12.6% | 24.3% |
| Median rate spread, pp | 0.0 | 0.3 | 0.0 | 0.3 |
| Originations with spread of 1.5 pp or more | 4.7% | 14.4% | 4.7% | 15.6% |
| Average originated loan | $340k | $266k | $340k | $329k |
| Home purchase share | 65.4% | 49.9% | 65.4% | 57.0% |
| FHA-insured share | 0.0% | 4.9% | 0.0% | 13.4% |
| VA-guaranteed share | 0.4% | 4.0% | 0.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateVermont, all lenders
Loan purpose and loan type in Vermont
By purpose
Home purchase 65% (168)Home improvement 14% (37)Refinancing 7% (19)Cash-out refinancing 7% (19)Other purpose 5% (14)
By type
Conventional 99% (254)VA 0% (1)USDA 1% (2)
Denial reasons as coded
Share of 39 denials in Vermont by first denial reason coded (outlined bar: all lenders in the state).
Counties in Vermont
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Washington County | 185 | 126 | $35m | 15.2% |
| Chittenden County | 74 | 53 | $32m | 6.8% |
| Orange County | 37 | 27 | $6.1m | 9.1% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Northfield Savings Bank originate in Vermont in 2024?
257 loans totalling $87m, from 369 applications reported for properties in Vermont.
What is Northfield Savings Bank's denial rate in Vermont?
12.6% of decided applications in Vermont were denied, against 19.6% for all lenders in the state and 12.6% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Vermont counties does Northfield Savings Bank lend in most?
By originations: Washington County (126), Chittenden County (53), Orange County (27).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Vermont. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.