Mortgage lenders in Orange County
522 mortgages were made in Orange County, Vermont, in 2025, by 91 lenders. The median rate their borrowers got was 6.750% on a median loan of $205,000. Of 715 decisions, 173 were denials — 24.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Mascoma Bank | 70 | 6.990% | $155,000 | 18.7% |
| EASTRISE FEDERAL CREDIT UNION | 62 | 6.375% | $110,000 | 10.1% |
| EMM LOANS LLC | 38 | 6.625% | $330,000 | 4.9% |
| Rocket Mortgage, LLC | 35 | 6.750% | $235,000 | 28.3% |
| NORTH COUNTRY | 35 | 7.440% | $125,000 | 12.5% |
| Northfield Savings Bank | 27 | 6.375% | $205,000 | 17.7% |
| 802 CREDIT UNION INC. | 19 | 7.490% | $95,000 | 0.0% |
| Bar Harbor Bank & Trust | 17 | 7.250% | $105,000 | 46.9% |
| Citizens Bank, National Association | 17 | 7.650% | $155,000 | 43.3% |
| Mortgage Research Center, LLC | 16 | 6.625% | $285,000 | 11.1% |
| Union Bank | 14 | 6.625% | $235,000 | 0.0% |
| ONE Credit Union | 13 | 7.125% | $65,000 | 7.1% |
| Community National Bank | 12 | 7.160% | $260,000 | 7.1% |
| Community Bank, National Association | 10 | 6.875% | $90,000 | 26.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 10 | 6.125% | $265,000 | 9.1% |
| VERMONT FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 35.7% |
| CMG MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Loandepot.Com, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHEAST HOME LOAN, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Broker Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| NATIONSTAR MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| NEWREZ LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| FIGURE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 45.5% |
| Farm Credit East, ACA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PENNYMAC LOAN SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 86.7% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 40.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MEMBER FIRST MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Opportunities Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 85.7% |
| FREEDOM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Wells Fargo Bank, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 75.0% |
| LIGHTHOUSE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| JPMorgan Chase Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Omaha | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBT Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MSA MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SEMPER HOME LOANS, INC | 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% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 50.0% |
| NORWICH COMMERCIAL GROUP, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Empeople Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DIGITAL | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SUFFOLK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FINANCE OF AMERICA REVERSE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| EVERETT FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| U.S. Bank National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| USAA Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of America | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst 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 |
| Old National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 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 Orange County
13 FDIC-insured branches from 5 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Wells River Savings Bank | 6 | $234.6 million |
| Bar Harbor Bank & Trust | 3 | $85.4 million |
| Mascoma Bank | 2 | $65.4 million |
| Community Bank, National Association | 1 | $80.9 million |
| Northfield Savings Bank | 1 | $56.2 million |
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When the next year’s lending figures are out for Orange 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.