Purchase Originations
202
Median Total Costs
$4,016
−39.9% vs national ($6,680)
↑ $205 vs prior year
Median Rate
6.000%
−7.5% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$800
Median Lender Credits
$575
Denial Rate
3.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 202 | 6.000% | $4,016 | $800 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Vermont | 202 | 6.000% | $4,016 | #5 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,751 | 5.938% | — | 4 | −$265 | |
| 2 | $3,884 | 5.875% | — | 43 | −$132 | |
| 3 | $3,955 | 6.125% | — | 22 | −$61 | |
| 4 | $3,970 | 5.875% | — | 80 | −$46 | |
| 5 | $4,010 | 6.125% | — | 13 | −$6 | |
| 6 | $4,096 | 5.938% | — | 10 | +$80 | |
| 7 | $4,127 | 6.250% | — | 3 | +$111 | |
| 8 | $4,148 | 6.000% | — | 4 | +$132 | |
| 9 | $4,338 | 6.250% | — | 10 | +$322 | |
| 10 | $4,887 | 6.250% | — | 3 | +$871 | |
| 11 | $5,615 | 6.000% | — | 4 | +$1,599 | |
| 12 | $5,731 | 6.375% | — | 3 | +$1,715 | |
| 13 | $5,831 | 5.875% | — | 3 | +$1,815 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Vermont Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $4,016 | $7,127 | −$3,111 (−43.7%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.