The National Bank of Middlebury
The National Bank of Middlebury received 156 applications in 2025 and made 116 mortgages, in 7 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $240,000. Of 124 decisions, 8 were denials — 6.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493004R22HRZXTXSR64 |
|---|---|
| Applications received | 156 |
| Mortgages made | 116 |
| Denied | 8 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 32 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: The National Bank of Middlebury, 7 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 83 | Not published | $265,000 | 3.5% |
| Refinancing | 12 | Not published | $255,000 | 7.7% |
| Cash-out refinancing | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 18 | Not published | $105,000 | 18.2% |
Where The National Bank of Middlebury lends most
The 7 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Addison County, VT | 83 | Not published | 6.7% |
| Rutland County, VT | 12 | Not published | 14.3% |
| Washington County, VT | 9 | Under 10 loans | 0.0% |
| Chittenden County, VT | 8 | Under 10 loans | 0.0% |
| Franklin County, VT | 2 | Under 10 loans | 0.0% |
| Orleans County, VT | 1 | Under 10 loans | 0.0% |
| Windsor County, VT | 1 | Under 10 loans | 0.0% |
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When The National Bank of Middlebury’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.