Mortgage lending in Chittenden County
3,576 mortgages were originated in Chittenden County, Vermont, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,576
- Median rate
- 6.625%
- Median lender fees
- $4,425
- Median loan amount
- $265,000
- Median spread over APOR
- -0.051
- Paid discount points
- 13.4%
- Received lender credits
- 19.8%
- Purchases / refinances
- 49.7% / 25.2%
- Conventional / FHA / VA
- 94.6% / 2.5% / 2.8%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 61% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $575,000
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Chittenden County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| EASTRISE FEDERAL CREDIT UNION | 1,213 | $3,346 | 6.500% |
| VERMONT FEDERAL CREDIT UNION | 305 | $3,805 | 6.750% |
| NORTHEAST HOME LOAN, LLC | 225 | $6,697 | 6.375% |
| EMM LOANS LLC | 177 | $5,487 | 6.625% |
| NORTH COUNTRY | 141 | — | 7.000% |
| Union Bank | 133 | $4,121 | 6.500% |
| CMG MORTGAGE, INC. | 130 | $5,927 | 6.500% |
| Citizens Bank, National Association | 115 | — | 7.650% |
| Rocket Mortgage, LLC | 109 | $4,169 | 6.881% |
| Manufacturers and Traders Trust Company | 92 | — | 5.990% |
What lenders charged here
Lender fees on a $265,000 loan, based on what was actually charged in Chittenden County — not a rule of thumb.
From 2,182 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers