Refinancing lenders in Windsor County
156 refinancing mortgages were made in Windsor County, Vermont, in 2025, by 59 lenders. The median rate their borrowers got was 6.500% on a median loan of $255,000. Of 212 decisions, 44 were denials — 20.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 18 | 5.990% | $290,000 | 33.3% |
| Citizens Bank, National Association | 17 | 7.400% | $125,000 | 29.2% |
| Mascoma Bank | 13 | 6.375% | $55,000 | 6.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 11 | 5.998% | $415,000 | 8.3% |
| EMM LOANS LLC | 10 | 6.875% | $230,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 15.4% |
| EASTRISE FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Bar Harbor Bank & Trust | 7 | Under 10 loans | Under 10 loans | 12.5% |
| ONE Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 5 | Under 10 loans | Under 10 loans | 22.2% |
| GUARANTEED RATE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Berkshire Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NORTH COUNTRY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 802 CREDIT UNION INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Community Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northfield Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 60.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VERMONT FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage 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% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Webster Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Broker Solutions, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Navy Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| NBT Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| HARBORONE MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| T2 FINANCIAL LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| UBS Bank USA | 0 | Under 10 loans | Under 10 loans | Not published |
| Farmers Bank & Trust | 0 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Brookline Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Barrington Bank & Trust Company, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Wells Fargo Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| FINANCE OF AMERICA REVERSE LLC | 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.
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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.