Northfield Savings Bank
Northfield Savings Bank received 319 applications in 2025 and made 225 mortgages, in 13 counties across 1 state. The median rate its borrowers got was 6.500% on a median loan of $265,000. Of 269 decisions, 31 were denials — 11.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300D7AV8NGI6N3S98 |
|---|---|
| Applications received | 319 |
| Mortgages made | 225 |
| Denied | 31 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 50 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.021 points |
| FDIC-insured bank | Yes: Northfield Savings Bank, 13 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 137 | 6.375% | $310,000 | 5.8% |
| Refinancing | 16 | 6.300% | $300,000 | 0.0% |
| Cash-out refinancing | 18 | 6.563% | $175,000 | 20.8% |
| Other purposes | 54 | 6.925% | $105,000 | 22.7% |
Where Northfield Savings Bank lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Washington County, VT | 101 | 6.570% | 6.9% |
| Chittenden County, VT | 59 | 6.500% | 10.3% |
| Orange County, VT | 27 | 6.375% | 17.7% |
| Lamoille County, VT | 9 | Under 10 loans | 10.0% |
| Windsor County, VT | 7 | Under 10 loans | 27.3% |
| Caledonia County, VT | 6 | Under 10 loans | 12.5% |
| Addison County, VT | 5 | Under 10 loans | 14.3% |
| Franklin County, VT | 5 | Under 10 loans | 16.7% |
| Grand Isle County, VT | 2 | Under 10 loans | 0.0% |
| Orleans County, VT | 2 | Under 10 loans | 0.0% |
| Essex County, VT | 1 | Under 10 loans | 0.0% |
| Rutland County, VT | 1 | Under 10 loans | 66.7% |
| Windham County, VT | 0 | Under 10 loans | 100.0% |
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When Northfield Savings Bank’s figures are published for the next year, or restated.
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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.