Mortgage lending in Lamoille County
666 mortgages were originated in Lamoille 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
- 666
- Median rate
- 6.750%
- Median lender fees
- $5,066
- Median loan amount
- $255,000
- Median spread over APOR
- 0.129
- Paid discount points
- 17.7%
- Received lender credits
- 19.1%
- Purchases / refinances
- 45.9% / 27.9%
- Conventional / FHA / VA
- 93.5% / 3.6% / 2.9%
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 62.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
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 Lamoille County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| EASTRISE FEDERAL CREDIT UNION | 105 | $3,062 | 6.500% |
| NORTH COUNTRY | 72 | — | 7.440% |
| Union Bank | 70 | $4,046 | 6.875% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Lamoille County — not a rule of thumb.
From 418 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