Finance Atlas

Banking & Mortgage-Lending Access in Vermont

63 FDIC-insured institutions (12 currently active) are recorded in Vermont in FDIC BankFind. HMDA 2024 data report an overall mortgage application denial rate of 20.1% in Vermont.

FDIC data as of 2026 · HMDA data year 2024 · Last export: June 20, 2026

63
FDIC institutions (total)
12
Currently active
20.1%
Overall denial rate (HMDA 2024)
11,750
Loans originated (2024)
This page is a reference catalog of provenanced public data. It informs and compares; it does not recommend lenders and gives no financial advice. HMDA denial-rate figures are reported statistics and do not establish why rates differ across applicant groups. To verify a lender's FDIC status, use FDIC BankFind. To file a complaint, visit the CFPB. To find a HUD-approved housing counselor: HUD.gov.

How many FDIC-insured institutions are in Vermont?

FDIC BankFind records 63 FDIC-insured institutions (all historical) in Vermont, of which 12 are currently active. Counts include banks, savings banks, and other insured depository institutions across all charter classes.

Metric Count
Total FDIC-insured institutions (historical) 63
Currently active 12

Source: FDIC BankFind (src:fdic:bankfind:2026). Verify: https://banks.data.fdic.gov/

What types of banks are chartered in Vermont?

FDIC uses charter class codes to categorize insured depository institutions. The breakdown for Vermont:

Charter class Description Count
N National bank (OCC-chartered) 30
NM State non-member bank (Fed non-member) 20
SI Savings institution (OTS-supervised) 5
SL Savings institution (state-chartered S&L) 4
SB Savings bank (state-chartered) 2
NC Non-deposit trust company 1
SM State member bank (Fed member) 1

Source: FDIC BankFind (src:fdic:bankfind:2026). Charter class labels per FDIC BankFind official definitions.

What was the mortgage application denial rate in Vermont? (HMDA 2024)

HMDA 2024 data report an overall mortgage application denial rate of 20.1% in Vermont. The table below shows reported denial rates by applicant race where available in the HMDA dataset.

Methodology note: HMDA captures race where the applicant chose to report it. Denial rates reflect all recorded denial reasons (credit history, DTI, collateral, etc.) and do not establish why rates differ across groups. These figures are descriptive FFIEC statistics, not findings of lending discrimination.
Applicant group (reported) Denial rate
Overall 20.1%
White applicants 19.6%
Black applicants 44.1%
Black/White denial rate ratio 2.25x

Source: FFIEC HMDA (src:ffiec:hmda:2024). Verify: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=VT

Mortgage origination volume in Vermont (2024)

HMDA 2024 data record 11,750 originated mortgage loans in Vermont , totaling $3.2B , with an average loan size of $276,366.

Metric Value
Originated loans (2024) 11,750
Total origination volume $3.2B
Average loan size $276,366

Source: FFIEC HMDA (src:ffiec:hmda:2024).

Sources & provenance

FDIC data — source id src:fdic:bankfind:2026, as of 2026. Verify via FDIC BankFind: https://banks.data.fdic.gov/

HMDA data — source id src:ffiec:hmda:2024, data year 2024. Verify via FFIEC Data Browser: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=VT

Data exported June 20, 2026 · content hash a3a44bbc228dc7df · machine-readable brief: /finance/states/vt/context.md

Where to act