Mortgage lending in Windsor County
1,322 mortgages were originated in Windsor 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
- 1,322
- Median rate
- 6.750%
- Median lender fees
- $4,960
- Median loan amount
- $225,000
- Median spread over APOR
- 0.235
- Paid discount points
- 24.1%
- Received lender credits
- 24.1%
- Purchases / refinances
- 48.8% / 25%
- Conventional / FHA / VA
- 89.2% / 6.2% / 4.2%
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 66.3% 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 Windsor County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Mascoma Bank | 272 | $4,210 | 6.750% |
| EMM LOANS LLC | 138 | $5,057 | 6.688% |
| Rocket Mortgage, LLC | 96 | $5,619 | 6.875% |
| 802 CREDIT UNION INC. | 64 | — | 6.990% |
| Citizens Bank, National Association | 62 | — | 7.400% |
| EASTRISE FEDERAL CREDIT UNION | 53 | — | 6.625% |
What lenders charged here
Lender fees on a $225,000 loan, based on what was actually charged in Windsor County — not a rule of thumb.
From 877 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