Lender in Vermont · HMDA 2025
Union Bank mortgages in Vermont
Union Bank's 2025 home-purchase and refinance lending in Vermont, compared with all lenders in the state.
Union Bank originated 347 owner-occupied single-family loans in Vermont from 364 completed applications, making it the state's #5 lender by volume.
Its median conventional purchase loan costs were $4,390 versus $4,860 for all Vermont lenders, at a median 30-year fixed rate of 6.625% (Vermont: 6.50%).
Loans in VT
347
of 364 applications
Denial rate
3.7%
Purchase · VT 6.9%
Rate spread
+0.07 pts
Conv. · VT +0.00 pts
Loan amount
$305,000
Purchase · VT $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 325 | 311 | 3.7% | 6.625% | +0.07 pts | $4,390 | $305,000 |
| Refinance | 20 | 20 | 0.0% | — | −0.07 pts | $3,440 | $205,000 |
| Cash-out refinance | 19 | 16 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Vermont counties where Union Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Caledonia County | 1 | 39 | 14.1% |
| Lamoille County | 1 | 31 | 12.6% |
| Orleans County | 2 | 51 | 17.4% |
| Essex County | 2 | 9 | 14.8% |
| Franklin County | 5 | 42 | 6.2% |
| Chittenden County | 6 | 99 | 5.6% |
| Washington County | 6 | 40 | 5.9% |
| Grand Isle County | 7 | 5 | 5.8% |
| Addison County | 8 | 11 | 4.1% |
| Orange County | 8 | 8 | 3.0% |
| Windsor County | 20 | 6 | 1.0% |
| Rutland County | 21 | 4 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology