Mortgage lenders in Franklin County
1,333 mortgages were made in Franklin County, Vermont, in 2025, by 103 lenders. The median rate their borrowers got was 6.625% on a median loan of $225,000. Of 1,653 decisions, 260 were denials — 15.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| EASTRISE FEDERAL CREDIT UNION | 312 | 6.500% | $135,000 | 6.3% |
| VERMONT FEDERAL CREDIT UNION | 176 | 6.933% | $140,000 | 12.0% |
| Peoples Trust Company of St. Albans | 139 | Not published | $235,000 | 7.3% |
| Rocket Mortgage, LLC | 80 | 6.990% | $200,000 | 19.8% |
| Union Bank | 63 | 6.750% | $285,000 | 7.4% |
| EMM LOANS LLC | 44 | 6.375% | $340,000 | 0.0% |
| NORTH COUNTRY | 42 | 7.440% | $85,000 | 13.7% |
| CMG MORTGAGE, INC. | 37 | 6.500% | $335,000 | 10.0% |
| NORTHEAST HOME LOAN, LLC | 29 | 6.250% | $365,000 | 0.0% |
| Community Bank, National Association | 27 | 7.000% | $105,000 | 12.5% |
| Mortgage Research Center, LLC | 24 | 6.375% | $320,000 | 16.7% |
| FREEDOM MORTGAGE CORPORATION | 21 | 5.750% | $335,000 | 12.0% |
| MOVEMENT MORTGAGE, LLC | 21 | 6.125% | $315,000 | 10.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 19 | 6.124% | $415,000 | 5.0% |
| Broker Solutions, Inc. | 18 | 7.245% | $275,000 | 14.3% |
| GUILD MORTGAGE COMPANY | 18 | 6.188% | $225,000 | 0.0% |
| Citizens Bank, National Association | 17 | 7.650% | $105,000 | 61.5% |
| BETTER MORTGAGE CORPORATION | 17 | 6.625% | $345,000 | 19.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 15 | 6.500% | $355,000 | 6.3% |
| Manufacturers and Traders Trust Company | 14 | 5.990% | $165,000 | 46.7% |
| Fairway Independent Mortgage Corporation | 13 | 6.625% | $305,000 | 7.1% |
| TD Bank, National Association | 12 | 7.860% | $90,000 | 35.0% |
| NEWREZ LLC | 10 | 6.625% | $340,000 | 33.3% |
| PENNYMAC LOAN SERVICES, LLC | 10 | 6.063% | $245,000 | 17.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Community National Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 76.9% |
| FIGURE LENDING LLC | 6 | Under 10 loans | Under 10 loans | 31.3% |
| Navy Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 50.0% |
| KeyBank National Association | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Loandepot.Com, LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| LAKEVIEW LOAN SERVICING, LLC | 6 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Northfield Savings Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Mascoma Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Opportunities Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 4 | Under 10 loans | Under 10 loans | 71.4% |
| NATIONSTAR MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Farm Credit East, ACA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 62.5% |
| 21st Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 40.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NBT Bank, National Association | 2 | Under 10 loans | Under 10 loans | 40.0% |
| JPMorgan Chase Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The National Bank of Middlebury | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 802 CREDIT UNION INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 25.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERANT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bangor Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ONE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Griffin Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ally Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Bank of America, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Service Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| Wells Fargo Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| THE LOAN STORE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Community First National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
Bank branches in Franklin County
15 FDIC-insured branches from 8 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Peoples Trust Company of St. Albans | 5 | $348.8 million |
| Union Bank | 2 | $95.8 million |
| Manufacturers and Traders Trust Company | 2 | $91.4 million |
| Community Bank, National Association | 2 | $70.2 million |
| TD Bank, National Association | 1 | $147.8 million |
| Citizens Bank, National Association | 1 | $68.6 million |
| Community National Bank | 1 | $50.4 million |
| KeyBank National Association | 1 | $38.4 million |
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When the next year’s lending figures are out for Franklin County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.