Vermont · Q1 2026
What Vermont borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 205 lenders.
Published 2026-04-29.
Vermont · headline
The gap between Vermont's lowest- and highest-cost ranked lenders in 2025 was $4,940 on a typical loan — borrowers using Guild Mortgage paid roughly 157% more than borrowers using EastRise Federal Credit Union on similar loans.
Source: FFIEC HMDA 2025 (n=8,171)
In 2025, 205 mortgage lenders originated 8,171 reportable loans in Vermont according to FFIEC HMDA data. The median borrower paid $5,915 in total loan costs. That is 39.4% above the national median across all 50 states and DC.
Vermont's median total loan cost was $5,915, 39.4% above the national median of $4,242. On a typical loan, that translates to roughly $1,673 more than borrowers paid in the average state.
EastRise Federal Credit Union posted the lowest median total loan costs at $3,138, 46.9% below the Vermont median. Across the ranked lenders, 7 earned an A grade against peer averages and 2 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Vermont are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | EastRise Federal Credit Union | $3,138 | $795 | 1,530 | A |
| 2 | Rocket Mortgage | $5,976 | $3,805 | 784 | C |
| 3 | Emm Loans LLC | $5,291 | $1,655 | 616 | B |
| 4 | Union Bank | $4,158 | $1,077 | 503 | A |
| 5 | Northeast Home Loan, LLC | $5,709 | $1,865 | 435 | C |
| 6 | Vermont Federal Credit Union | $3,707 | $800 | 337 | A |
| 7 | Mascoma Bank | $4,292 | $695 | 287 | A |
| 8 | CMG Financial | $6,102 | $1,870 | 242 | D |
| 9 | Northfield Savings Bank | $3,545 | $300 | 181 | A |
| 10 | Mortgage Research Center, LLC | $5,615 | $3,019 | 167 | C |
Vermont median total loan cost
Vermont borrowers paid a median $5,915 in total loan costs in 2025, based on 8,171 HMDA-reported loans across 205 lenders.
FFIEC HMDA 2025
Lender spread in Vermont
In Vermont, the gap between EastRise Federal Credit Union ($3,138 median) and Guild Mortgage ($8,078 median) was $4,940 on a typical 2025 loan.
FFIEC HMDA 2025
Vermont vs. national
Vermont closing costs ran 39.4% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Vermont was $1,890, with the typical lender clustering tightly around that figure. Discount points appeared on 35% of loans, with a median paid amount of $1,986 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 31% of loans, with a median credit of $500.
Avg $3,640
Median $1,986 when present
Median $500 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Vermont) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Vermont
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