Mortgage lending in Vermont

13,418 mortgages were originated in Vermont in 2025. Here is what they cost — including the lender fees that never show up in an advertised rate.

Loans originated

13,418

Median rate

6.705%

Median lender fees

$4,641

The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.

Median loan amount

$225,000

Above the going rate (spread over APOR)

0.125

Paid discount points

19%

Received lender credits

19.3%

Purchases / refinances

48% / 27.1%

Conventional / FHA / VA

89.9% / 5.5% / 4.4%

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 63.3% of loans here — see methodology.

Largest lenders in Vermont

Ranked by loans originated. The fee column is where lenders differ most — it is the money they charged to make the loan, and it is not part of the interest rate.

Vermont year by year

The same measures across every year of filings available. Rates follow the market; fees move for their own reasons.

Counties

12 counties had at least 300 loans in 2025. Smaller counties are left out rather than published from a handful of records.