refinance lenders · HMDA 2023–2025

Refinance lenders in Chittenden County, Vermont

Fat Boy Data analyzed mortgage refinance activity in Chittenden County, Vermont, home to Burlington, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,623 applications were decided by 76 lenders between 2023 and 2025.

Chittenden County at a glance

76Active lenders12 with 20+ decisions
86.5%Market approval rate1,404 of 1,623 decided
$125KTypical loanmedian lender, $10K brackets
97%Borrower take-up1,361 loans funded

How Chittenden County compares

Approval rate compared
Chittenden County86.5%Vermont86.5%All 616 counties76.5%
Typical loan compared
Chittenden County$125KVermont$125KAll 616 counties$295K

What the data shows

EastRise Federal Credit Union made the most mortgage refinances in Chittenden County, VT, 543 of them.

That is 40% of every mortgage refinance originated here, so this market is unusually concentrated in one lender.

Cmg Mortgage, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 96% of 28.

Approval rate of all 12 lenders with 20+ decisions here
0%25%50%75%100%Citizens Bank, National Association: 74% approved of 147One lender: 77% approved of 61One lender: 78% approved of 37Manufacturers and Traders Trust Company: 79% approved of 97Vermont Federal Credit Union: 81% approved of 201One lender: 87% approved of 55North Country Federal Credit Union: 91% approved of 81One lender: 92% approved of 76One lender: 95% approved of 21EastRise Federal Credit Union: 95% approved of 574One lender: 96% approved of 28One lender: 100% approved of 20

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Refinance lenders in Chittenden County

LenderApprovalApprovedTaken upTypical loanLoans made
1EastRise Federal Credit Union95%548 / 57499%$115K543
2Vermont Federal Credit Union81%162 / 20196%$145K156
3Citizens Bank, National Association74%109 / 14794%$205K102
4Manufacturers and Traders Trust Company79%77 / 9794%$155K72
5North Country Federal Credit Union91%74 / 8199%$125K73

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.

Fat Boy found 71 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest mortgage refinance lenders in Chittenden County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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