By the Wirly Editorial Team | AI-assisted, human-reviewed
Mortgage Refinancing in Vermont
Real refinance data for Vermont from federal sources, updated annually. See how your state compares to national averages.
Refinance Originations
1,560
2024 HMDA data
Avg Loan Amount
$235,532
National: $428,119
Denial Rate
20.04%
▲ Below national avg
Median Home Value
$290,500
U.S. Census Bureau
Source: HMDA 2024 via CFPB, U.S. Census Bureau ACS
Calculate your refinance savingsRefinance Trends in Vermont
Originations by Year
Refinance originations in Vermont by year. Source: HMDA via CFPB.
Loan Type Breakdown
Includes all refinance applications (originated, denied, and other outcomes). Source: HMDA via CFPB.
Home Price Trends in Vermont
Source: FHFA House Price Index
Top Lenders in Vermont
| # | Lender | HMDA Records | Avg Loan |
|---|---|---|---|
| 1 | Eastrise Federal Credit Union | 3,257 | - |
| 2 | New England Federal Credit Union | 3,241 | - |
| 3 | Eastrise Federal Credit Union | 3,052 | - |
| 4 | North Country | 1,535 | - |
| 5 | Rocket Mortgage LLC | 1,482 | - |
| 6 | Vermont Federal Credit Union | 1,263 | - |
| 7 | Vermont Federal Credit Union | 1,234 | - |
| 8 | Vermont State Employees | 1,223 | - |
| 9 | North Country | 1,168 | - |
| 10 | Citizens Bank National Association | 1,065 | - |
Ranked by total HMDA filings in the state (2024). Source: HMDA via CFPB.
Compare all lenders →How Vermont Compares
| Metric | Vermont | National Avg |
|---|---|---|
| Refinance Originations | 1,560 | 697,820 |
| Avg Loan Amount | $235,532 | $428,119 |
| Denial Rate | 20.04% | 24.2% |
Green indicates the state performs better than the national average. Red indicates worse. Source: HMDA 2024, U.S. Census Bureau.
Current Mortgage Rates
30-Year Fixed
6.51%
▲ 6.36% prev
15-Year Fixed
5.85%
▲ 5.71% prev
5/1 ARM
6.06%
▲ 5.95% prev
National average rates updated daily from FRED (Federal Reserve Bank of St. Louis). Your rate depends on your credit score, loan amount, and lender.
Get personalized rates →Frequently Asked Questions
How many people refinanced in Vermont in 2024?
In 2024, there were 1,560 refinance originations in Vermont, according to HMDA data reported to the CFPB.
What is the average refinance loan amount in Vermont?
The average refinance loan amount in Vermont was $235,532 in 2024. This reflects originated loans reported through HMDA.
What is the refinance denial rate in Vermont?
The refinance denial rate in Vermont was 20.04% in 2024. This is calculated from originated and denied applications reported to the CFPB.
What are the top refinance lenders in Vermont?
The most active lenders in Vermont by HMDA filing volume include Eastrise Federal Credit Union, New England Federal Credit Union, Eastrise Federal Credit Union. See the full list above for details.
Is it a good time to refinance in Vermont?
Whether refinancing makes sense depends on your current rate, loan balance, and how long you plan to stay in your home. Use our refinance calculator and break-even calculator to estimate your potential savings based on current national rates.
Want a deeper analysis?
Read our full editorial guide on refinancing in Vermont, including tips, regulations, and state programs.
Read the Vermont Refinance GuideData sourced from HMDA (Home Mortgage Disclosure Act) via the CFPB and FRED (Federal Reserve Bank of St. Louis). Demographics from the U.S. Census Bureau American Community Survey. This page is for educational purposes only and does not constitute financial advice. Consult a licensed mortgage professional for personalized guidance.