Growing again
The bank made 271 loans in 2025, up 23% from 220. Similar lenders, national banks making between half and twice as many loans, grew 5%; the whole market grew 10%. It is still well short of the 506 loans it made in 2020.
Applications / Mortgage Analytics / Lenders / Vermont / Community National Bank
Community National Bank
Derby, VT · National bank · OCC · $1.3 billion assets · 271 loans in 2025
Community National Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
271
loans originated, 2025
318
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community National Bank lends far more in poorer neighborhoods than most similar banks, and in 2025 its lending grew faster than at about eight in ten of them.
A lender to poorer places
Nearly a third of its loans, 31.0%, went to low- and moderate-income (LMI) neighborhoods, against 16.5% at similar lenders. More than nine in ten peers had a lower share. LMI borrowers took 36.2% of its loans, against 25.4%. It made no loans in majority-minority neighborhoods, which may simply reflect where it lends: non-metro Vermont and New Hampshire may hold few of them.
Mobile homes and repairs
Manufactured homes made up 8.1% of its loans, against 1.4% at peers. Home-improvement loans were 11.8%, and purchases 57.2%. Its typical loan, $205,000, was the same as its peers'.
Eighth in its home market
In non-metro Vermont, where it has lent since 2004, it ranked 8 of 264 lenders. EastRise Federal Credit Union leads that market.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
271 loans in 2025, against a peak of 506 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Community National Bank took 318 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
57.2% of its 2025 loans were purchase loans; 99.3% were conventional loans.
Purchase 57.2% · Refinance 26.6% · Home improvement 11.8% · Other 4.4%
Conventional 99.3% · VA 0.7% · of 271 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
2 states, 1 metro, 16 counties
| State | Loans | Share |
|---|---|---|
| Vermont | 262 | 96.7% |
| New Hampshire | 9 | 3.3% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Burlington-South Burlington | 17 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OQ3UC55Y6EPP22 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 270504 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 11368 | 2008–2017 |
Established 15 January 1851. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Community National Bank's data.
The data and the software behind these pages
Community National Bank's data
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Community National Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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