NORTH COUNTRY
NORTH COUNTRY received 1,197 applications in 2025 and made 771 mortgages, in 52 counties across 18 states. The median rate its borrowers got was 7.020% on a median loan of $95,000. Of 893 decisions, 116 were denials — 13.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300T2FOBK6WY4B349 |
|---|---|
| Applications received | 1,197 |
| Mortgages made | 771 |
| Denied | 116 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 304 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 171 | 6.875% | $175,000 | 18.1% |
| Refinancing | 224 | 7.440% | $95,000 | 9.3% |
| Cash-out refinancing | 41 | 6.750% | $225,000 | 24.1% |
| Other purposes | 335 | 7.440% | $55,000 | 11.0% |
Where NORTH COUNTRY lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Orleans County, VT | 151 | 7.440% | 11.1% |
| Chittenden County, VT | 141 | 7.000% | 9.6% |
| Washington County, VT | 128 | 7.000% | 15.7% |
| Caledonia County, VT | 104 | 7.000% | 12.6% |
| Lamoille County, VT | 72 | 7.440% | 11.0% |
| Franklin County, VT | 42 | 7.440% | 13.7% |
| Orange County, VT | 35 | 7.440% | 12.5% |
| Grand Isle County, VT | 28 | 7.245% | 15.2% |
| Addison County, VT | 14 | 7.345% | 6.7% |
| Essex County, VT | 12 | 6.875% | 25.0% |
| Windsor County, VT | 9 | Under 10 loans | 10.0% |
| Clinton County, NY | 8 | Under 10 loans | 11.1% |
| Grafton County, NH | 6 | Under 10 loans | 25.0% |
| Manatee County, FL | 2 | Under 10 loans | 0.0% |
| Rutland County, VT | 2 | Under 10 loans | 33.3% |
| Brevard County, FL | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Union County, IN | 1 | Under 10 loans | 0.0% |
| Madison County, KY | 1 | Under 10 loans | 0.0% |
| Caroline County, MD | 1 | Under 10 loans | 0.0% |
| Baltimore city, MD | 1 | Under 10 loans | 0.0% |
| Worcester County, MA | 1 | Under 10 loans | 0.0% |
| Belknap County, NH | 1 | Under 10 loans | 0.0% |
| Rockingham County, NH | 1 | Under 10 loans | 0.0% |
| Sussex County, NJ | 1 | Under 10 loans | 0.0% |
| Johnston County, NC | 1 | Under 10 loans | 0.0% |
| Lincoln County, NC | 1 | Under 10 loans | 0.0% |
| Centre County, PA | 1 | Under 10 loans | 0.0% |
| Lee County, SC | 1 | Under 10 loans | 0.0% |
| Bennington County, VT | 1 | Under 10 loans | 66.7% |
| Windham County, VT | 1 | Under 10 loans | 0.0% |
| Chesterfield County, VA | 1 | Under 10 loans | 0.0% |
| Baxter County, AR | 0 | Under 10 loans | Not published |
| Hernando County, FL | 0 | Under 10 loans | Not published |
| Baltimore County, MD | 0 | Under 10 loans | Not published |
| Carroll County, NH | 0 | Under 10 loans | Not published |
| Coos County, NH | 0 | Under 10 loans | 100.0% |
| Sullivan County, NH | 0 | Under 10 loans | 100.0% |
| Chenango County, NY | 0 | Under 10 loans | Not published |
| Warren County, NY | 0 | Under 10 loans | 100.0% |
| Alleghany County, NC | 0 | Under 10 loans | Not published |
| Belmont County, OH | 0 | Under 10 loans | Not published |
| Malheur County, OR | 0 | Under 10 loans | Not published |
| Aiken County, SC | 0 | Under 10 loans | Not published |
| Horry County, SC | 0 | Under 10 loans | Not published |
| Williamsburg County, SC | 0 | Under 10 loans | Not published |
| Cumberland County, TN | 0 | Under 10 loans | Not published |
| Davidson County, TN | 0 | Under 10 loans | 100.0% |
| Fairfax County, VA | 0 | Under 10 loans | Not published |
| Page County, VA | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.