Name of the lender

Community National BankMortgage rates, total loan costs and denial rate, 2025

HMDA year2025

Years filed2018 to 2025

Head office: Newport, VT
Reporting agency: Office of the Comptroller of the Currency (OCC)
Legal Entity Identifier (LEI)

Figures by state (CSV)

Community National Bank reported 318 mortgage applications in the HMDA data of 2025.

It originated 271 loans in 2025, for $71.5 million in total.

The median interest rate of its loans in 2025 was 6.125%, and the national median was 6.375%.

The median total loan costs of its loans in 2025 were $3,562, and the national median was $6,413.

It denied 5.5% of the applications that it decided in 2025, and the national denial rate was 22.6%.

Filed figures of Community National Bank, 2025
Figure	This lender	United States
Applications	318Under 0.1% of the US total	11,766,671
Loans originated	271$71.5 million	6,827,891
Median interest rate	6.125%	6.375%
Median total loan costs	$3,562	$6,413
Denial rate	5.5%	22.6%

HMDA data are generally not used alone 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.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

Since the last update

No change on record

No tracked figure of this lender has changed since this site started its record. The record compares each update of the HMDA data with the update before it. The record of updates.

PricingMedians of 2025 loans

Interest rate and total loan costs of Community National Bank by loan type, 2025Medians. Each value has the national median of the same loan type under it.
Loan type	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
All loans	146	6.125%US 6.375%	$3,562US $6,413	−0.179US 0.161
Conventional	144	6.125%US 6.500%	$3,556US $5,393	−0.179US 0.175

Interest rate and total loan costs of Community National Bank by loan purpose, 2025Medians, with the national median under each value.
Loan purpose	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
Home purchase	92	6.188%US 6.500%	$3,865US $6,632	−0.168US 0.169
Cash-out refinancing	27	6.000%US 6.500%	$3,259US $8,095	−0.214US 0.376

Parts of the total loan costs of Community National Bank by loan type, 2025Medians, with the national median under each value.
Loan type	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits
All loans	$595US $2,062	$1,530US $2,823	$39US $567
Conventional	$595US $1,981	$1,530US $2,588	$39US $604

The median rate spread of these loans was 0.179 percentage points below the average prime offer rate (APOR). On a loan of $300,000, that is about $537 less a year, or $45 less a month. The national median spread was 0.161 points.

The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different. What a rate spread is.

Median interest rate by year: Community National Bank and the United States

Community National BankUnited States

Action takenHMDA codes and labels

Records of Community National Bank by the action taken, 2025
Action taken	Records	Share of records	US share
1Loan originated	271	85.2%	50.4%
2Application approved but not accepted	3	0.9%	3.1%
3Application denied	16	5.0%	15.6%
4Application withdrawn by applicant	22	6.9%	12.6%
5File closed for incompleteness	6	1.9%	5.1%
6Purchased loan	0	0.0%	11.7%
7Preapproval request denied	0	0.0%	0.4%
8Preapproval request approved but not accepted	0	0.0%	1.1%

The denial rate is code 3 divided by codes 1, 2 and 3: the applications that the lender decided. Codes 4 and 5 are applications with no decision. Code 6 is a loan that the lender bought.

Denial reasonsFirst reason coded

The lender has fewer than 25 denials in 2025, so this page shows no reasons.

Loan types and purposesLoans of 2025

Applications of Community National Bank by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	316	269	5.6%US 23.4%
VA-guaranteed	2	2	n/aUS 16.2%

Applications of Community National Bank by loan purpose
Loan purpose	Applications	Loans originated	Share of loans
Home purchase	181	155	57.2%
Home improvement	35	32	11.8%
Refinancing	40	36	13.3%
Cash-out refinancing	48	36	13.3%
Other purpose	14	12	4.4%

The denial rate of a loan type is the denied applications divided by the decided applications of that type. It is "n/a" under 25 decided applications.

States where it lends1 state with 25 applications or more

Community National Bank by state, 2025In order of the names. A state with 100 applications or more links to the lender's page for the state.
State	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate
Vermont	306	262	6.125%	$3,563	5.4%

Counties of Community National Bank with 50 applications or more, 2025In order of the names. The list has the 2 counties with the most loans of the lender.
County	Applications	Loans originated	Amount	Denial rate
Caledonia County, VT	56	43	$15.1 million	6.4%
Orleans County, VT	132	114	$23.1 million	6.5%

Figures by yearHMDA 2022 to 2025

Community National Bank by HMDA year"n/a" shows a year with fewer than 25 applications, or a year that this site does not process.
Year	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate	Records filed
2025	318	271	6.125%	$3,562	5.5%	318
2024	279	220	6.750%	$3,324	11.6%	279
2023	315	263	7.250%	$3,121	9.5%	315
2022	388	330	5.375%	$3,073	8.9%	388
2021	n/a	n/a	n/a	n/a	n/a	453
2020	n/a	n/a	n/a	n/a	n/a	638
2019	n/a	n/a	n/a	n/a	n/a	347
2018	n/a	n/a	n/a	n/a	n/a	368

Records filed is the count on the lender's HMDA transmittal sheet. It includes purchased loans and requests for preapproval.

Denial rate by year: Community National Bank and the United States

Community National BankUnited States

VA lender statisticsLoans that VA guaranteed, by month

VA-guaranteed loans of COMMUNITY NATIONAL BANK, Sep 2025 to Aug 2026National figures from the Department of Veterans Affairs. VA counts a loan in the month of the guarantee.
Month	All	Purchase
August 2026	0	0
July 2026	0	0
June 2026	0	0
May 2026	0	0
April 2026	0	0
March 2026	0	0
February 2026	0	0
January 2026	0	0
December 2025	0	0
November 2025	0	0
October 2025	1	1
September 2025	0	0

IRRRL is the VA Interest Rate Reduction Refinance Loan. The VA name of the lender is "COMMUNITY NATIONAL BANK". Every month.

Peer lenders9 lenders

These lenders originated a count of loans close to the count of this lender, in the same states. The site compares the applications of each lender by state. The list is not a ranking.

802 Credit UnionBrattleboro, VT
National Bank of MiddleburyMiddlebury, VT
NorthCountry Federal Credit UnionBurlington, VT
Northfield Savings BankBerlin, VT
One Credit UnionSpringfield, VT
Passumpsic BankChesterfield, NH
Peoples Trust Company of St. AlbansSt. Albans, VT
Union BankMorrisville, VT
Vermont Federal Credit UnionSouth Burlington, VT

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.
Financial Institution Lists (Office of the Comptroller of the Currency)The OCC lists of the national banks and federal savings associations that it regulates.
BankFind Suite (Federal Deposit Insurance Corporation)The FDIC search for an insured bank: its status, its offices and its regulator.

Cite this page

Page: Lender Register, "Community National Bank (Newport, VT) mortgage rates, 2025", https://lenderregister.com/lender/549300oq3uc55y6epp22-community-national-bank/
Lender: Community National Bank, LEI 549300OQ3UC55Y6EPP22
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025, snapshot dataset
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. The count of records filed comes from the transmittal sheets of 2018 to 2025. The FFIEC and the CFPB publish them at ffiec.cfpb.gov. The name, the head office and the agency are from the newest transmittal sheet of the LEI. The VA figures are from the VA lender statistics.

This site withholds a figure with fewer than 25 applications and a median with fewer than 20 loans. Method of the figures. Terms. Report an error.

Questions

How many loans did Community National Bank buy from other lenders in 2025?: It reported no purchased loans. HMDA counts a purchased loan apart from the applications, so the denial rate does not include it.
In which states did Community National Bank originate the most loans in 2025?: It had 25 applications or more in one state only: Vermont, with 262 loans originated.
Which loan types did Community National Bank originate in 2025?: 269 conventional and 2 VA.
How did the applications of Community National Bank change from 2022 to 2025?: It reported 388 applications in 2022 and 318 in 2025.