Refinancing lenders in Franklin County
231 refinancing mortgages were made in Franklin County, Vermont, in 2025, by 45 lenders. The median rate their borrowers got was 6.500% on a median loan of $185,000. Of 286 decisions, 44 were denials — 15.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| EASTRISE FEDERAL CREDIT UNION | 52 | 7.000% | $105,000 | 5.5% |
| VERMONT FEDERAL CREDIT UNION | 47 | 7.000% | $125,000 | 14.0% |
| Rocket Mortgage, LLC | 17 | 5.990% | $335,000 | 19.1% |
| Peoples Trust Company of St. Albans | 15 | Not published | $235,000 | 11.1% |
| FREEDOM MORTGAGE CORPORATION | 14 | 5.750% | $350,000 | 0.0% |
| Community Bank, National Association | 11 | 6.750% | $135,000 | 8.3% |
| NORTH COUNTRY | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 8 | Under 10 loans | Under 10 loans | 61.9% |
| Mortgage Research Center, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| NEWREZ LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 12.5% |
| TD Bank, National Association | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 33.3% |
| Union Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Community National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHEAST HOME LOAN, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal 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% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBT Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Opportunities Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Luminate Home Loans, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Loandepot.Com, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SPRING EQ, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| U.S. Bank National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| KeyBank National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| JPMorgan Chase 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.
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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.