Median rate spread
+0.03 ppAPR relative to the prime offer benchmarkMiddle 50%: -0.24 to +0.38 pp
THE MORTGAGE DATA EXPLORER 2025 DATA EDITION
The rate people
actually got.
Average rates only tell part of the story. See the full range
of what borrowers paid, and find where you fit.
Four states. Real HMDA data. Explore Delaware, Rhode Island, Vermont and Wyoming for 2024 and 2025. Select a state below. These are not national statistics.
Data status ↗Explore Vermont mortgages
Public HMDA records2025 · All loan types · All purposes
VERMONT OVERVIEW2025 · All loan types · All purposes
Median interest rate
6.38%The interest rate before feesAnnual figure · 2025 loans only
Application denial rate
13.4%Denied ÷ originated and denied applications7,052 eligible applications
Originated mortgages
6,107Owner-occupied, first-lien mortgages0.5% missing rate spread
There’s more to a rate than the average.
How mortgage pricing is distributed across borrowers.
Share of originated loans Outer range
In 2025, Vermont borrowers paid a median rate spread of +0.03 percentage points. The middle 80 percent ranged from -0.47 to +0.80.
Rate spread in percentage points. Bars show the number of originated loans.
| Spread interval (pp) | Loans |
|---|---|
| Below -1.0 | 65 |
| -1.0 to -0.8 | 100 |
| -0.8 to -0.6 | 207 |
| -0.6 to -0.4 | 463 |
| -0.4 to -0.2 | 917 |
| -0.2 to 0.0 | 1124 |
| 0.0 to 0.2 | 990 |
| 0.2 to 0.4 | 764 |
| 0.4 to 0.6 | 490 |
| 0.6 to 0.8 | 353 |
| 0.8 to 1.0 | 214 |
| 1.0 to 1.2 | 147 |
| 1.2 to 1.4 | 108 |
| 1.4 to 1.6 | 60 |
| 1.6 to 1.8 | 29 |
| 1.8 to 2.0 | 19 |
| 2.0 to 2.2 | 9 |
| 2.2 to 2.4 | 3 |
| 2.4 to 2.6 | 2 |
| 2.6 to 2.8 | 3 |
| 2.8 to 3.0 | 3 |
| +3.0 and above | 6 |
10TH PERCENTILE-0.47 pp
MEDIAN+0.03 pp
90TH PERCENTILE+0.80 pp
FFIEC HMDA 2025 snapshot, Vermont subset. Retrieved 2026-09-10, September 10, 2026. Source and method ↗
LOOK BEYOND THE HEADLINE
Explore all lenders ↗Different lenders. Different outcomes.
A starting point for comparison, not a lender ranking.
| Lender | Median spread | Denial rate | Loans | |
|---|---|---|---|---|
| EASTRISE FEDERAL CREDIT UNION | -0.25 pp | 4.1% | 958 | ↗ |
| EMM LOANS LLC | +0.18 pp | 1.3% | 549 | ↗ |
| Rocket Mortgage, LLC | +0.36 pp | 24.4% | 489 | ↗ |
| NORTHEAST HOME LOAN, LLC | -0.08 pp | 2.0% | 393 | ↗ |
| Union Bank | +0.07 pp | 4.1% | 347 | ↗ |
| VERMONT FEDERAL CREDIT UNION | -0.24 pp | 7.7% | 264 | ↗ |
| CMG MORTGAGE, INC. | +0.12 pp | 5.3% | 233 | ↗ |
| Mascoma Bank | -0.07 pp | 18.2% | 175 | ↗ |
Vermont originations, ordered by volume. Borrower mix and loan characteristics affect every comparison.
Your market has its own story.
Explore pricing and lending outcomes by location.
Delaware2025 data↗Wyoming2025 data↗Rhode Island2025 data↗Vermont2025 data↗A little context goes a long way.
01 What is rate spread, exactly? ↗02 The true cost of a lower rate ↗03 What this data can and cannot tell you ↗Visit the field guide →▤
Public data. Clear methods. No shortcuts.
Every number needs context. We explain the filters, the limits, and what’s missing.